Document:

<PAGE>

                                                                   Exhibit 10.42

                                      LEASE

                                     BETWEEN

                  AMERICAN PREPAID PROFESSIONAL SERVICES, INC.,

                                    AS TENANT

                                       AND

                           200 WEST JACKSON OWNER LLC,

                                   AS LANDLORD

                  200 WEST JACKSON BOULEVARD, CHICAGO, ILLINOIS

THE SUBMISSION OF AN UNSIGNED COPY OF THIS DOCUMENT TO TENANT FOR TENANT'S
CONSIDERATION DOES NOT CONSTITUTE AN OFFER TO LEASE THE PREMISES OR AN OPTION TO
OR FOR THE PREMISES. THIS DOCUMENT SHALL BECOME EFFECTIVE AND BINDING ONLY UPON
THE EXECUTION AND DELIVERY OF THIS LEASE BY BOTH LANDLORD AND TENANT.

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                            PAGE
                                                                            ----
<S>                                                                         <C>
ARTICLE 1  BASIC DATA; DEFINITIONS.......................................      1
           1.1   Basic Data..............................................      1
           1.2   Additional Definitions..................................      2
           1.3   Enumeration of Exhibits.................................      3

ARTICLE 2  PREMISES AND APPURTENANT RIGHTS...............................      3
           2.1   Lease of Premises.......................................      3
           2.2   Appurtenant Rights and Reservations.....................      3

ARTICLE 3  BASIC RENT....................................................      4
           3.1   Payment.................................................      4

ARTICLE 4  COMMENCEMENT AND CONDITION....................................      4
           4.1   Commencement Date.......................................      4
           4.2   Preparation of the Premises.............................      4

ARTICLE 5  USE OF PREMISES...............................................      4
           5.1   Permitted Use...........................................      4
           5.2   Installations and Alterations by Tenant.................      5
           5.3   Extra Hazardous Use.....................................      6
           5.4   Hazardous Materials.....................................      6

ARTICLE 6  ASSIGNMENT AND SUBLETTING.....................................      7
           6.1   Prohibition.............................................      7
           6.2   Acceptance of Rent......................................      7
           6.3   Excess Payments.........................................      8
           6.4   Landlord's Recapture Right..............................      8
           6.5   Further Requirements....................................      8

ARTICLE 7  RESPONSIBILITY FOR REPAIRS AND CONDITION OF PREMISES;
           SERVICES TO BE FURNISHED BY LANDLORD..........................      9
           7.1   Landlord Repairs........................................      9
           7.2   Tenant Repairs..........................................      9
           7.3   Floor Load - Heavy Machinery............................     10
           7.4   Utility Services........................................     10
           7.5   Other Services..........................................     11
           7.6   Interruption of Service.................................     12

ARTICLE 8  REAL ESTATE TAXES.............................................     13
           8.1   Payments on Account of Real Estate Taxes................     13
           8.2   Abatement...............................................     14

ARTICLE 9  OPERATING AND UTILITY EXPENSES................................     14
           9.1   Definitions.............................................     14
           9.2   Tenant's Payment of Operating Expenses..................     14
           9.3   Utility Payments........................................     15

ARTICLE 10 INDEMNITY AND PUBLIC LIABILITY INSURANCE......................     15
           10.1  Tenant's Indemnity......................................     15
           10.2  Tenant Insurance........................................     16
           10.3  Tenant's Risk...........................................     16
           10.4  Waiver of Subrogation...................................     17

ARTICLE 11 FIRE, EMINENT DOMAIN, ETC.....................................     17
           11.1  Landlord's Right of Termination.........................     17
           11.2  Restoration; Tenant's Right of Termination..............     17
           11.3  Landlord's Insurance....................................     18
           11.4  Abatement of Rent.......................................     18
           11.5  Condemnation Award......................................     19
</TABLE>

                                       i

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<TABLE>
<S>                                                                         <C>
ARTICLE 12 HOLDING OVER; SURRENDER.......................................     19
           12.1  Holding Oven............................................     19
           12.2  Surrender of Premises...................................     19

ARTICLE 13 RIGHTS OF MORTGAGEES; TRANSFER OF TITLE.......................     20
           13.1  Rights of Mortgagees....................................     20
           13.2  Assignment of Rents and Transfer of Title...............     20
           13.3  Notice to Mortgagee.....................................     20

ARTICLE 14 DEFAULT; REMEDIES.............................................     21
           14.1  Tenant's Default........................................     21
           14.2  Landlord's Remedies.....................................     23
           14.3  Additional Rent.........................................     25
           14.4  Remedying Defaults......................................     25
           14.5  Remedies Cumulative.....................................     25
           14.6  Enforcement Costs.......................................     25
           14.7  Waiver..................................................     25
           14.8  Security Deposit........................................     25
           14.9  Landlord's Default......................................     26

ARTICLE 15 MISCELLANEOUS PROVISIONS......................................     26
           15.1  Rights of Access........................................     26
           15.2  Covenant of Quiet Enjoyment.............................     26
           15.3  Landlord's Liability....................................     26
           15.4  Estoppel Certificate....................................     27
           15.5  Brokerage...............................................     27
           15.6  Rules and Regulations...................................     27
           15.7  Financial Statements....................................     27
           15.8  Substitute Space........................................     27
           15.9  Invalidity of Particular Provisions.....................     27
           15.10 Provisions Binding, Etc.................................     27
           15.11 Recording...............................................     28
           15.12 Notice..................................................     28
           15.13 When Lease Becomes Binding; Entire Agreement;
                 Modification............................................     28
           15.14 Paragraph Headings and Interpretation of Sections.......     28
           15.15 Dispute Resolution......................................     28
           15.16 Waiver of Jury Trial....................................     29
           15.17 Time Is of the Essence..................................     29
           15.18 Multiple Counterparts...................................     29
           15.19 Governing Law...........................................     29

EXHIBIT A  Location Plan of Premises.....................................    A-1

EXHIBIT B  Intentionally Omitted.........................................    B-l

EXHIBIT C  Commencement Date Letter......................................    C-l

EXHIBIT D  Operating Expenses............................................    D-1

EXHIBIT E  Rules and Regulations of Building.............................    E-l

EXHIBIT F  Workletter....................................................    F-1

EXHIBIT G  Additional Provisions.........................................    G-l

EXHIBIT H  Cleaning Specifications.......................................    H-1
</TABLE>

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<PAGE>

                                      LEASE

     THIS LEASE is dated as of October 15, 2003 between the Landlord and the
Tenant named below, and is of space in the Building described below.

BASIC DATA; DEFINITIONS

     BASIC DATA. Each reference in this Lease to any of the following terms
shall be construed to mean the following:

     LANDLORD: 200 West Jackson Owner LLC, a Delaware limited liability company

     LANDLORD'S ADDRESS: 200 West Jackson Street
                         Suite 1310
                         Chicago, Illinois 60606

     TENANT: American Prepaid Professional Services, Inc., a Florida corporation

     TENANT'S ADDRESS: 200 West Jackson Street
                       Suite 900
                       Chicago, Illinois 60606

     GUARANTOR(S): None.

     PROPERTY: The land located in Chicago, Illinois, together with the Building
and other improvements thereon.

     BUILDING: The 29-story building commonly known and numbered as 200 West
Jackson Boulevard.

     BUILDING RENTABLE AREA: Agreed to be 468,929 square feet.

     PREMISES: The portion of the Building known as Suite No. 900 located on the
9th floor as shown on the location plan attached hereto as EXHIBIT A.

     PREMISES RENTABLE AREA: Agreed to be 17,289 square feet.

     BASIC RENT: The Basic Rent is as follows:

<TABLE>
<CAPTION>
                   ANNUAL RENTAL                   MONTHLY
PERIOD OR MONTHS      RATE PER        ANNUAL     PAYMENT OF
     OF TERM        SQUARE FOOT     BASIC RENT   BASIC RENT
----------------   -------------   -----------   ----------
<S>                <C>             <C>           <C>
 7/1/04-6/30/05        $24.00      $414,936.00   $34,578.00
 7/1/05-6/30/06        $24.40      $421,851.60   $35,154.30
 7/1/06-6/30/07        $24.80      $428,767.20   $35,730.60
 7/1/07-6/30/08        $25.20      $435,682.80   $36,306.90
 7/1/08-6/30/09        $25.60      $442,598.40   $36,883.20
 7/1/09-10/31/09       $26.00      $149,838.00*  $37,459.50
</TABLE>

*    based on a 4-month period

Notwithstanding anything to the contrary contained in this Lease and provided
that Tenant is not then in default under any of the terms, covenants or
conditions of this Lease beyond any applicable cure periods, Basic Rent and
Escalation Charges (as hereinafter defined) shall abate in full and Tenant shall
have no liability therefor during the first 7 full calendar months of the Term.

                                                                      (initials)

<PAGE>

     BASE YEAR: Calendar year 2004

     TENANT'S PROPORTIONATE SHARE: 3.6869% (which is based on the ratio of (a)
Premises Rentable Area to (b) Building Rentable Area).

     SECURITY DEPOSIT: None.

     SCHEDULED COMMENCEMENT DATE: July 1, 2004.

     TERM: Five (5) years and four (4) months, commencing on the Commencement
Date (as defined in SECTION 4.1) and expiring at the close of the last day of
the sixty-fourth (64th) full calendar month following the Commencement Date. The
Term shall include any extension thereof that is expressly provided for by this
Lease and that is effected strictly in accordance with this Lease; if no
extension of the Term is expressly provided for by this Lease, no right to
extend the Term shall be implied by this provision.

     PERMITTED USES: Executive and general offices.

     CONSTRUCTION DEADLINE: N/A.

     LANDLORD'S CONTRIBUTION: An amount equal to $380,358.00 (i.e., $22.00 per
square foot of Premises Rentable Area).

     LANDLORD'S CONSTRUCTION REPRESENTATIVE: John Wegforth

     TENANT'S CONSTRUCTION REPRESENTATIVE: Rosa Vichcales

     BROKER: MB Real Estate Services, LLC and CB Richard Ellis, Inc.

     1.2 ADDITIONAL DEFINITIONS. When used in Lease, the capitalized terms set
forth below shall bear the meanings set forth below.

     ADDITIONAL RENT: All charges and sums payable by Tenant as set forth in
this Lease, other than and in addition to Basic Rent.

     BUSINESS DAY: All days except Saturdays, Sundays, New Year's Day, Martin
Luther King Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day,
Christmas Day, and such other days on which landlords of comparable buildings
determine are holidays.

     ENVIRONMENTAL CONDITION: Any disposal, release or threat of release of
Hazardous Materials on, from or about the Building or the Property or storage of
Hazardous Materials on, from or about the Building or the Property.

     ENVIRONMENTAL LAWS: Any federal, state and/or local statute, ordinance,
bylaw, code, rule and/or regulation now or hereafter enacted, pertaining to any
aspect of the environment or human health, including, without limitation, the
Environmental Protection Act of Illinois, 415 ILCS 5/1 et seq., and state and
local superlien and environmental statutes and ordinances, with implementing
regulations, rules and guidelines, and the Comprehensive Environmental Response,
Compensation and Liability Act of 1980, 42 U.S.C. Section 9601 et seq., the
Resource Conservation and Recovery Act of 1976, 42 U.S.C. Section 6901 et seq.,
the Toxic Substances Control Act, 15 U.S.C. Section 2061 et seq., the Federal
Clean Water Act, 33 U.S.C. Section 1251, and the Federal Clean Air Act, 42
U.S.C. Section 7401 et seq.

     ESCALATION CHARGES: The Additional Rent arising pursuant to ARTICLE 8 and
ARTICLE 9 of this Lease.

     FORCE MAJEURE: Collectively and individually, strikes or other labor
trouble, fire or other casualty, acts of God, war, terrorist acts, civil
disturbances, governmental preemption of priorities or other controls in
connection with a national or other public emergency or shortages of fuel,
supplies or labor resulting therefrom, or any other cause, whether similar or
dissimilar, beyond the reasonable control of the party required to perform an
obligation, other than the payment of Rent or any Security Deposit.

                                       2

<PAGE>

     HAZARDOUS MATERIALS: Shall mean each and every element, compound, chemical
mixture, contaminant, pollutant, material, waste or other substance which is
defined, determined or identified as hazardous or toxic under any Environmental
Law, including, without limitation, any "oil," "hazardous material," "hazardous
waste," "hazardous substance" or "chemical substance or mixture", as the
foregoing terms (in quotations) are defined in any Environmental Laws.

     LAND: The land that constitutes a portion of the Property.

     LEASE YEAR: Means each period of one year during the Term commencing on the
Commencement Date or on any anniversary thereof, or, if the Commencement Date
does not fall on the first day of a calendar month, the first Lease Year shall
consist of the partial calendar month following the Commencement Date and the
succeeding twelve full calendar months, and each succeeding Lease Year shall
consist of a one-year period commencing on the first day of the calendar month
following the calendar month in which the Commencement Date fell.

     1.3 ENUMERATION OF EXHIBITS. The following Exhibits are a part of this
Lease, are incorporated herein by reference attached hereto, and are to be
treated as a part of this Lease for all purposes: EXHIBIT A - Location Plan of
the Premises; EXHIBIT B - Intentionally omitted; EXHIBIT C - Commencement Date
Letter - Intentionally Omitted; EXHIBIT D - Operating Expenses; EXHIBIT E -
Rules and Regulations; EXHIBIT F - Workletter; EXHIBIT G - Additional
Provisions; and EXHIBIT H - Cleaning Specifications. Undertakings contained in
such Exhibits are agreements on the part of Landlord and Tenant, as the case may
be, to perform the obligations stated therein.

                                    ARTICLE 2
                         PREMISES AND APPURTENANT RIGHTS

     2.1 LEASE OF PREMISES. Landlord hereby leases to Tenant and Tenant hereby
leases from Landlord the Premises for the Term and upon the terms and conditions
hereinafter set forth.

     2.2 APPURTENANT RIGHTS AND RESERVATIONS.

          (a) Tenant shall have, as appurtenant to the Premises, the
     non-exclusive right to use, and permit its invitees to use in common with
     Landlord and others, (i) public or common lobbies, hallways, stairways,
     elevators and common walkways necessary for access to the Building and the
     Premises, and if the portion of the Premises on any floor includes less
     than the entire floor, the common toilets, corridors and elevator lobby of
     such floor; and (ii) the loading areas, pedestrian sidewalks, landscaped
     areas, trash enclosures, and other areas or facilities, if any, which are
     located in or on the Property and designated by Landlord from time to time
     for the non-exclusive use of tenants and other occupants of the Building
     (the "COMMON FACILITIES"); but such rights shall always be subject to
     reasonable rules and regulations from time to time established by Landlord
     pursuant to SECTION 15.6 (the "RULES AND REGULATIONS") and to the right of
     Landlord to designate and change from time to time areas and facilities so
     to be used.

          (b) Excepted and excluded from the Premises and the Common Facilities
     are the ceiling, floor, perimeter walls and exterior windows (except the
     inner surface of each thereof), and any space in the Premises used for
     shafts, stacks, pipes, conduits, fan rooms, ducts, electric or other
     utilities, sinks or other Building facilities, but the entry doors (and
     related glass and finish work) to the Premises are a part thereof. Landlord
     shall have the right to place in the Premises (but in such manner as to
     reduce to a minimum interference with Tenant's use of the Premises)
     interior storm windows, sun control devices, utility lines, equipment,
     stacks, pipes, conduits, ducts and the like. In the event that Tenant shall
     install any hung ceilings or walls in the Premises, Tenant shall install
     and maintain, as Landlord may require, proper access panels therein to
     afford access to any facilities above the ceiling or within or behind the
     walls. Tenant shall be entitled to install any such ceilings or walls only
     in compliance with the other terms and conditions of this Lease

          (c) Landlord, at its sole cost and expense, shall cause Tenant's name
     to be listed on the building directory in the Building lobby.

                                       3

<PAGE>

                                    ARTICLE 3
                                   BASIC RENT

     3.1 PAYMENT.

          (a) Tenant agrees to pay the Basic Rent and Additional Rent to
     Landlord, or as directed by Landlord, commencing on the Commencement Date,
     without offset, abatement (except as provided in SECTION 11.4), deduction
     or demand. Basic Rent shall be payable in equal monthly installments, in
     advance, on the first day of each and every calendar month during the Term
     of this Lease, to Landlord at Landlord's Address or at such other place as
     Landlord shall from time to time designate by notice, in lawful money of
     the United States. In the event that any installment of Basic Rent or any
     regularly scheduled payment of Additional Rent is not paid within five (5)
     days following the date due, Tenant shall pay, in addition to any charges
     under SECTION 14.4, at Landlord's request an administrative fee equal to 5%
     of the overdue payment. Landlord and Tenant agree that all amounts due from
     Tenant under or in respect of this Lease, whether labeled Basic Rent,
     Escalation Charges, Additional Rent or otherwise, shall be considered as
     rental reserved under this Lease for all purposes, including without
     limitation regulations promulgated pursuant to the Bankruptcy Code, and
     including further without limitation Section 502(b) thereof.

          (b) Basic Rent for any partial month shall be pro-rated on a daily
     basis, and if the first day on which Tenant must pay Basic Rent shall be
     other than the first day of a calendar month, the first payment which
     Tenant shall make to Landlord shall be equal to a proportionate part of the
     monthly installment of Basic Rent for the partial month from the first day
     on which Tenant must pay Basic Rent to the last day of the month in which
     such day occurs, plus the installment of Basic Rent for the succeeding
     calendar month.

                                    ARTICLE 4
                           COMMENCEMENT AND CONDITION

     4.1 COMMENCEMENT DATE. The "COMMENCEMENT DATE" shall be the Scheduled
Commencement Date set forth in SECTION 1.1.

     4.2 PREPARATION OF THE PREMISES.

     Tenant shall perform improvements to the Premises in accordance with the
provisions with of SECTION 5.2 of this Lease and the Workletter attached hereto
as EXHIBIT F. The Premises are being leased in their present condition, AS IS,
WITHOUT REPRESENTATION OR WARRANTY by Landlord except as expressly set forth
herein. Tenant acknowledges that it has inspected the Premises and Common
Facilities and has found the same satisfactory.

                                    ARTICLE 5
                                 USE OF PREMISES

     5.1 PERMITTED USE.

          (a) Tenant agrees that the Premises shall be used and occupied by
     Tenant only for Permitted Uses and for no other use without Landlord's
     express written consent.

          (b) Tenant agrees to conform to the following provisions during the
     Term of this Lease:

               (i) Tenant shall cause all freight to be delivered to or removed
          from the Building and the Premises in accordance with the Rules and
          Regulations established by Landlord therefor;

               (ii) Tenant will not place on the exterior of the Premises
          (including both interior and exterior surfaces of doors and interior
          surfaces of windows) or on any part of the Building outside the
          Premises, any sign, symbol, advertisement or the like visible to
          public view outside of the Premises. Landlord will not

                                       4

<PAGE>

          withhold consent for signs or lettering on the entry doors to the
          Premises provided such signs conform to sign standards for the
          Building adopted by Landlord in its sole discretion and Tenant has
          submitted to Landlord a plan or sketch in reasonable detail (showing,
          without limitation, size, color, location, materials and method of
          affixation) of the sign to be placed on such entry doors. Landlord
          agrees, however, to maintain a tenant directory in the lobby of the
          Building (and, in the case of multi-tenant floors, in that floor's
          elevator lobby) in which will be placed Tenant's name and the location
          of the Premises in the Building;

               (iii) Tenant shall not perform any act or carry on any practice
          which may injure the Premises, or any other part of the Building, or
          cause any offensive odors or loud noise or constitute a nuisance or a
          menace to any other tenant or tenants or other persons in the
          Building;

               (iv) Tenant shall, in its use of the Premises, comply with the
          requirements of all applicable governmental laws, rules and
          regulations, including, without limitation, the Americans With
          Disabilities Act of 1990 and the City of Chicago; and

               (v) Tenant shall not abandon the Premises and cease paying Rent
          therefor without Landlord's prior written consent, which consent shall
          not be unreasonably withheld.

     5.2 INSTALLATIONS AND ALTERATIONS BY TENANT.

          (a) Tenant shall make no alterations, additions (including, for the
     purposes hereof, wall-to-wall carpeting), or improvements (collectively,
     "ALTERATIONS") in or to the Premises (including any Alterations necessary
     for Tenant's initial occupancy of the Premises) without Landlord's prior
     written consent, which consent shall not be unreasonably withheld or
     delayed with respect to non-structural Alterations that do not affect or
     involve the Building's electrical, plumbing or mechanical systems or any
     other Building systems. Any Alterations shall be in accordance with the
     Rules and Regulations in effect with respect thereto and with plans and
     specifications meeting the requirements set forth in the Rules and
     Regulations and approved in advance by Landlord. All work shall (i) be
     performed in a good and workmanlike manner and in compliance with all
     applicable laws, ordinances and regulations; (ii) be made at Tenant's sole
     cost and expense; (iii) become part of the Premises and the property of
     Landlord; and (iv) be coordinated with any work being performed by Landlord
     in such a manner as not to damage the Building or interfere with the
     construction or operation of the Building. At Landlord's request, Tenant
     shall, before its work is started, secure assurances satisfactory to
     Landlord in its reasonable discretion protecting Landlord against claims
     arising out of the furnishing of labor and materials for the Alterations.
     If any Alterations shall involve the removal of fixtures, equipment or
     other property in the Premises which are not Tenant's Removable Property,
     such fixtures, equipment or property shall be promptly replaced by Tenant
     at its expense with new fixtures, equipment or property of like utility and
     of at least equal quality. Tenant shall promptly reimburse Landlord for all
     reasonable costs, including attorneys', architects', engineers', and
     consultants' fees, incurred by Landlord in connection with any request from
     Tenant pursuant to this SECTION 5.2 in an amount not to exceed 5% of the
     hard construction costs of such alterations.

          (b) All articles of personal property and all business fixtures,
     machinery and equipment and furniture owned or installed by Tenant solely
     at its expense in the Premises ("TENANT'S REMOVABLE PROPERLY") shall remain
     the property of Tenant and may be removed by Tenant at any time prior to
     the expiration or earlier termination of the Term, provided that Tenant, at
     its expense, shall repair any damage to the Building caused by such
     removal.

          (c) Notice is hereby given that Landlord shall not be liable for any
     labor or materials furnished or to be furnished to Tenant upon credit, and
     that no mechanic's or other lien for any such labor or materials shall
     attach to or affect the reversion or other estate or interest of Landlord
     in and to the Premises, the Building or the Property. To the maximum extent
     permitted by law, before such time as any contractor commences to perform
     work on behalf of Tenant, such contractor (and any subcontractors) shall
     furnish

                                       5

<PAGE>

     a written statement acknowledging the provisions set forth in the prior
     clause. Tenant agrees to pay promptly when due the entire cost of any work
     done on behalf of Tenant, its agents, employees or independent contractors,
     and not to cause or permit any liens for labor or materials performed or
     furnished in connection therewith to attach to all or any part of the
     Property and immediately to discharge any such liens which may so attach.
     If, notwithstanding the foregoing, any lien is filed against all or any
     part of the Property for work claimed to have been done for, or materials
     claimed to have been furnished to, Tenant or its agents, employees or
     independent contractors, Tenant, at its sole cost and expense, shall cause
     such lien to be dissolved promptly after receipt of notice that such lien
     has been filed, by the payment thereof or by the filing of a bond
     sufficient to accomplish the foregoing. If Tenant shall fail to discharge
     any such lien, Landlord may, at its option, discharge such lien and treat
     the cost thereof (including reasonable attorneys' fees incurred in
     connection therewith) as Additional Rent payable upon demand, it being
     expressly agreed that such discharge by Landlord shall not be deemed to
     waive or release the Event of Default in not discharging such lien. Tenant
     shall indemnify and hold Landlord harmless from and against any and all
     expenses, liens, claims, liabilities and damages based on or arising,
     directly or indirectly, by reason of the making of any alterations,
     additions or improvements by or on behalf of Tenant to the Premises under
     this Section, which obligation shall survive the expiration or termination
     of this Lease.

          (d) In the course of any work being performed by Tenant (including,
     without limitation, the "field installation" of any Tenant's Removable
     Property), Tenant agrees to use labor compatible with that being employed
     by Landlord for work in the Building or on the Property or other buildings
     owned by Landlord or its affiliates (which term, for purposes hereof, shall
     include, without limitation, entities which control or are under common
     control with or are controlled by Landlord or, if Landlord is a partnership
     or limited liability company, by any partner or member of Landlord) and not
     to employ or permit the use of any labor or otherwise take any action which
     might result in a labor dispute involving personnel providing services in
     the Building or on the Property pursuant to arrangements made by Landlord.

     5.3 EXTRA HAZARDOUS USE. Tenant covenants and agrees mat Tenant will not do
or permit anything to be done in or upon the Premises, or bring in anything or
keep anything therein, which shall increase the rate of property or liability
insurance on the Premises or the Property above the standard rate applicable to
Premises being occupied for the Permitted Uses. If the premium or rates payable
with respect to any policy or policies of insurance carried by or on behalf of
Landlord with respect to the Property increases as a result of any act or
activity on or use of the Premises during the Term or payment by the insurer of
any claim arising from any act or neglect of Tenant, its employees, agents,
contractors or invitees, Tenant shall pay such increase, from time to time,
within fifteen (15) days after demand therefor by Landlord, as Additional Rent.

     5.4 HAZARDOUS MATERIALS.

          (a) Tenant may use chemicals such as adhesives, lubricants, ink,
     solvents and cleaning fluids of the kind and in amounts and in the manner
     customarily found and used in business offices in order to conduct its
     business at the Premises and to maintain and operate the business machines
     located in the Premises, provided Tenant complies with all applicable
     Environmental Laws. Tenant shall not use, store, handle, treat, transport,
     release or dispose of any other Hazardous Materials on or about the
     Premises or the Property without Landlord's prior written consent, which
     Landlord may withhold or condition in Landlord's sole discretion.

          (b) Any handling, treatment, transportation, storage, disposal or use
     of Hazardous Materials by Tenant in or about the Premises or the Property
     and Tenant's use of the Premises shall comply with all applicable
     Environmental Laws. Tenant shall, within ten (10) Business Days of
     Landlord's written request therefor, disclose in writing all Hazardous
     Materials that are being used by Tenant in the Premises, the nature of such
     use and the manner of storage and disposal. Without Landlord's prior
     written consent, Tenant shall not conduct any sampling or investigation of
     soil or groundwater on the Property to determine the presence of any
     constituents therein.

                                       6

<PAGE>

          (c) Tenant shall indemnify, defend upon demand with counsel reasonably
     acceptable to Landlord, and hold Landlord harmless from and against, any
     liabilities, losses claims, damages, interest, penalties, fines, attorneys'
     fees, experts' fees, court costs, remediation costs, and other expenses
     which result from the use, storage, handling, treatment, transportation,
     release, threat of release or disposal of Hazardous Materials in or about
     the Premises or the Property by Tenant or Tenant's agents, employees,
     contractors or invitees. The provisions of this PARAGRAPH (C) shall survive
     the expiration or earlier termination of this Lease.

          (d) Tenant shall give written notice to Landlord as soon as reasonably
     practicable of (i) any communication received by Tenant from any
     governmental authority concerning Hazardous Materials which relates to the
     Premises or the Property, and (ii) any Environmental Condition of which
     Tenant is aware.

                                    ARTICLE 6
                            ASSIGNMENT AND SUBLETTING

     6.1 PROHIBITION.

          (a) Tenant covenants and agrees that neither this Lease nor the term
     and estate hereby granted, nor any interest herein or therein, will be
     assigned, mortgaged, pledged, encumbered or otherwise transferred, whether
     voluntarily, involuntarily, by operation of law or otherwise, and that
     neither the Premises nor any part thereof will be encumbered in any manner
     by reason of any act or omission on the part of Tenant, or used or occupied
     or permitted to be used or occupied, by anyone other than Tenant, or for
     any use or purpose other than a Permitted Use, or be sublet (which term,
     without limitation, shall include granting of concessions, licenses and the
     like) in whole or in part, or be offered or advertised for assignment or
     subletting by Tenant or any person acting on behalf of Tenant, without, in
     each case, the prior written consent of Landlord which consent shall not be
     unreasonably withheld, conditioned or delayed. Without limiting the
     foregoing, any agreement pursuant to which: (x) Tenant is relieved from the
     obligation to pay, or a third party agrees to pay on Tenant's behalf, all
     or any portion of the Basic Rent or Additional Rent under this Lease;
     and/or (y) a third party undertakes or is granted by or on behalf of Tenant
     the right to assign or attempt to assign this Lease or sublet or attempt to
     sublet all or any portion of the Premises, shall for all purposes hereof be
     deemed to be an assignment of this Lease and subject to the provisions of
     this ARTICLE 6. The provisions of this PARAGRAPH (A) shall apply to a
     transfer (by one or more transfers) of a controlling portion of or interest
     in the stock or partnership or membership interests or other evidences of
     equity interests of Tenant as if such transfer were an assignment of this
     Lease; provided that if equity interests in Tenant at any time are or
     become traded on a public stock exchange, the transfer of equity interests
     in Tenant on a public stock exchange shall not be deemed an assignment
     within the meaning of this Article.

          (b) The provisions of PARAGRAPH (A) shall not apply to either (x)
     transactions with an entity into or with which Tenant is merged or
     consolidated, or to which all or substantially all of Tenant's assets are
     transferred, or (y) transactions with any entity which controls or is
     controlled by Tenant or is under common control with Tenant; provided that
     in any such event: (i) the successor to Tenant has a net worth, computed in
     accordance with generally accepted accounting principles consistently
     applied, at least equal to the greater of (1) the net worth of Tenant
     immediately prior to such merger, consolidation or transfer, or (2) the net
     worth of Tenant herein named on the date of this Lease, (ii) proof
     satisfactory to Landlord of such net worth shall have been delivered to
     Landlord at least ten (10) days prior to the effective date of any such
     transaction, and (iii) the assignee agrees directly with Landlord, by
     written instrument in form satisfactory to Landlord in its reasonable
     discretion, to be bound by all the obligations of Tenant hereunder,
     including, without limitation, the covenant against further assignment and
     subletting.

     6.2 ACCEPTANCE OF RENT. If this Lease be assigned, or if the Premises or
any part thereof be sublet or occupied by anyone other than Tenant, whether or
not in violation of the terms and conditions of the Lease, Landlord may, at any
time and from time to time, collect rent and other charges from the assignee,
subtenant or occupant, and apply the net amount collected

                                       7

<PAGE>

to the rent and other charges herein reserved, but no such assignment,
subletting, occupancy, collection or modification of any provisions of this
Lease shall be deemed a waiver of this covenant, or the acceptance of the
assignee, subtenant or occupant as a tenant or a release of Tenant from the
further performance of covenants on the part of Tenant to be performed
hereunder. Any consent by Landlord to a particular assignment, subletting or
occupancy or other act for which Landlord's consent is required under PARAGRAPH
(A) of SECTION 6.1 shall not in any way diminish the prohibition stated in
PARAGRAPH (A) of SECTION 6.1 as to any further such assignment, subletting or
occupancy or other act or the continuing liability of the original named Tenant.
No assignment or subletting hereunder shall relieve Tenant from its obligations
hereunder, and Tenant shall remain fully and primarily liable therefor. Landlord
may revoke any consent by Landlord to a particular assignment, subletting or
occupancy if the assignment or sublease does not provide that the assignee,
subtenant or other occupant agrees to be independently bound by and upon all of
the covenants, agreements, terms, provisions and conditions set forth in this
Lease on the part of Tenant to be kept and performed.

     6.3 EXCESS PAYMENTS. If Tenant assigns this Lease or sublets the Premises
or any portion thereof, Tenant shall pay to Landlord as Additional Rent fifty
percent (50%) of the amount, if any, by which (a) any and all compensation
received by Tenant as a result of such assignment or subletting, net of (i)
reasonable expenses actually incurred by Tenant in connection with such
assignment or subletting (prorated over the term of the assignment or
subletting) and (ii) any amounts paid/reimbursed to Landlord pursuant to SECTION
6.5 below, exceeds (b) in the case of an assignment, the Basic Rent and
Additional Rent under this Lease, and in the case of a subletting, the portion
of the Basic Rent and Additional Rent allocable to the portion of the Premises
subject to such subletting. Such payments shall be made on the date the
corresponding payments under this Lease are due. Notwithstanding the foregoing,
the provisions of this Section shall impose no obligation on Landlord to
consent to an assignment of this Lease or a subletting of all or a portion of
the Premises.

     6.4 LANDLORD'S RECAPTURE RIGHT. Notwithstanding anything herein to the
contrary, in addition to withholding or granting consent with respect to any
proposed assignment of this Lease or proposed sublease of all or a portion of
the Premises, Landlord shall have the right, to be exercised in writing within
thirty (30) days after written notice from Tenant seeking Landlord's consent to
assign this Lease or sublease all or any portion of the Premises, to terminate
this Lease (in the event of a proposed assignment) or recapture that portion of
the Premises to be subleased (in the event of a proposed sublease). In the case
of a proposed assignment, this Lease shall terminate as of the date (the
"RECAPTURE DATE") which is the later of (a) thirty (30) days after the date of
Landlord's election, and (b) the proposed effective date of such assignment or
sublease, as if such date were the last day of the Term of this Lease. If
Landlord exercises the rights under this Section in connection with a proposed
sublease, this Lease shall be deemed amended to eliminate the proposed sublease
premises from the Premises as of the Recapture Date, and thereafter all Basic
Rent and Escalation Charges shall be appropriately prorated to reflect the
reduction of the Premises as of the Recapture Date.

     6.5 FURTHER REQUIREMENTS. Tenant shall reimburse Landlord within ten (10)
days following Landlord's invoice therefor, as Additional Rent, for any
reasonable out-of-pocket costs (including reasonable attorneys' fees and
expenses) incurred by Landlord in connection with any actual or proposed
assignment or sublease or other act described in PARAGRAPH (A) of SECTION 6.1,
whether or not consummated, including the costs of making investigations as to
the acceptability of the proposed assignee or subtenant. Any sublease to which
Landlord gives its consent shall not be valid unless and until Tenant and the
sublessee execute a consent agreement in form and substance satisfactory to
Landlord in its reasonable discretion and a fully executed counterpart of such
sublease has been delivered to Landlord. Any sublease shall provide that: (i)
the term of the sublease ends no later than one day before the last day of the
Term of this Lease; (ii) such sublease is subject and subordinate to this Lease;
(iii) Landlord may enforce the provisions of the sublease, including collection
of rents; and (iv) in the event of termination of this Lease or reentry or
repossession of the Premises by Landlord, Landlord may, at its sole discretion
and option, take over all of the right, title and interest of Tenant, as
sublessor, under such sublease, and such subtenant shall, at Landlord's option,
attorn to Landlord, but nevertheless Landlord shall not (A) be liable for any
previous act or omission of Tenant under such sublease; (B) be subject to any
defense or offset previously accrued in favor of the subtenant against Tenant;
or (C) be bound by any previous modification of such sublease made without
Landlord's written consent or by any previous prepayment of more than one
month's rent.

                                       8

<PAGE>

                                    ARTICLE 7
      RESPONSIBILITY FOR REPAIRS AND CONDITION OF PREMISES; SERVICES TO BE
                              FURNISHED BY LANDLORD

     7.1 LANDLORD REPAIRS.

          (a) Except as otherwise provided in this Lease, Landlord agrees to
     keep in good order, condition and repair the roof, public areas, exterior
     walls (including exterior glass) and structure of the Building (including
     all plumbing, mechanical and electrical systems installed by Landlord, but
     specifically excluding any supplemental beating, ventilation or air
     conditioning equipment or systems installed at Tenant's request or as a
     result of Tenant's requirements in excess of Building standard design
     criteria), all insofar as they affect the Premises, except that Landlord
     shall in no event be responsible to Tenant for the repair of glass in the
     Premises, the doors (or related glass and finish work) leading to the
     Premises, or any condition in the Premises or the Building caused by any
     act or neglect of Tenant, its invitees or contractors. Landlord shall also
     keep and maintain all Common Facilities in a good and clean order,
     condition and repair, free of snow and ice and accumulation of dirt and
     rubbish, and shall keep and maintain all landscaped areas on the Property
     in a neat and orderly condition. Landlord shall not be responsible to make
     any improvements or repairs to the Building other than as expressly in this
     SECTION 7.1 provided, unless expressly provided otherwise in this Lease.

          (b) Landlord shall never be liable for any failure to make repairs
     which Landlord has undertaken to make under the provisions of this SECTION
     7.1 or elsewhere in this Lease, unless Tenant has given notice to Landlord
     of the need to make such repairs, and Landlord has failed to commence to
     make such repairs within a reasonable time after receipt of such notice, or
     fails to proceed with reasonable diligence to complete such repairs.

          (c) If Landlord shall be required to make any repairs or alterations
     to the Premises to comply with any laws or requirements of public
     authorities hereafter in effect, or with any directions, rules or
     regulations of governmental agencies having or purporting to have
     jurisdiction, and if the cost to Landlord of making such repairs or
     alterations, together with the cost of other such repairs or alterations
     theretofore required, would exceed an amount equal to fifteen months' Basic
     Rent in the aggregate, Landlord may (but shall not be required to) elect to
     terminate this Lease by giving Tenant notice of its desire to do so, which
     notice shall set forth a date not less than ninety (90) days from the
     giving of such notice on which this Lease shall terminate with the same
     force and effect as if such date were the date originally set forth herein
     as the expiration hereof. Tenant may, however, void Landlord's election to
     so terminate this Lease by giving Landlord notice, within fifteen days
     after the date of Landlord's notice to Tenant, to the effect that Tenant
     shall, at Tenant's expense, promptly and diligently cause all such repairs
     or alterations to be performed in the Premises, and Tenant shall hold
     Landlord harmless from and against any and all costs, expenses, penalties
     and/or liabilities (including without limitation reasonable legal fees and
     costs) in connection therewith.

     7.2 TENANT REPAIRS.

          (a) Tenant will keep the Premises and every part thereof neat and
     clean, and will maintain the same in good order, condition and repair,
     excepting only those repairs and maintenance obligations for which Landlord
     is responsible under the terms of this Lease, reasonable wear and tear of
     the Premises, and damage by fire or other casualty or as a consequence of
     the exercise of the power of eminent domain; and Tenant shall surrender the
     Premises, at the end of the Term, in such condition. Without limitation,
     Tenant shall comply with all laws, codes and ordinances from time to time
     in effect and all directions, rules and regulations of governmental
     agencies having jurisdiction, and the standards recommended by the Chicago
     Board of Fire Underwriters applicable to Tenant's use and occupancy of the
     Premises, and shall, at Tenant's expense, obtain all permits, licenses and
     the like required thereby. Subject to SECTION 10.4 regarding waiver of
     subrogation, Tenant shall be responsible for the cost of repairs which may
     be made necessary by reason of damage to the Building caused by any act or
     neglect of Tenant, or its contractors or invitees (including any damage by
     fire or other casualty arising therefrom).

                                       9

<PAGE>

          (b) If repairs are required to be made by Tenant pursuant to the terms
     hereof, and Tenant fails to make the repairs within a reasonable time after
     receipt of such written notice, Landlord may make or cause such repairs to
     be made (but shall not be required to do so), and the provisions of SECTION
     14.4 shall be applicable to the costs thereof. Landlord shall not be
     responsible to Tenant for any loss or damage whatsoever that may accrue to
     Tenant's stock or business by reason of Landlord's making such repairs.

     7.3 FLOOR LOAD - HEAVY MACHINERY.

          (a) Tenant shall not place a load upon any floor in the Premises
     exceeding fifty (50) pounds live load per square foot of usable area of the
     Premises. Landlord reserves the right to prescribe the weight and position
     of all business machines and mechanical equipment, including safes, which
     shall be placed so as to distribute the weight. Business machines and
     mechanical equipment shall be placed and maintained by Tenant at Tenant's
     expense in settings sufficient, in Landlord's judgment, to absorb and
     prevent vibration, noise and annoyance. Tenant shall not move any safe,
     heavy machinery, heavy equipment, freight, bulky matter or fixtures into or
     out of the Building without Landlord's prior consent, which consent may
     include a requirement to provide insurance, naming Landlord as an insured,
     in such amounts as Landlord may deem reasonable. Landlord has examined the
     Premises and has determined that as of the date hereof, the placement of
     Tenant's personal property and equipment do not exceed the floor load
     limitation set forth above.

          (b) If any such safe, machinery, equipment, freight, bulky matter or
     fixtures requires special handling, Tenant agrees to employ only persons
     holding a Master Rigger's License to do such work, and that all work in
     connection therewith shall comply with applicable laws and regulations. Any
     such moving shall be at the sole risk and hazard of Tenant, and Tenant will
     exonerate, indemnify and save Landlord harmless against and from any
     liability, loss, injury, claim or suit resulting directly or indirectly
     from such moving.

     7.4 UTILITY SERVICES.

          (a) Landlord shall, on all Business Days from 8:00 a.m. to 6:00 p.m.
     and on Saturdays from 8:00 a.m. to 1:00 p.m., furnish heating and cooling
     as normal seasonal changes may require to provide reasonably comfortable
     space temperature and ventilation for occupants of the Premises under
     normal business operation at an occupancy of not more than one person per
     140 square feet of usable area and an electrical load not exceeding 2.5
     watts per usable square foot. If Tenant shall require air conditioning,
     heating or ventilation outside the hours and days above specified, Landlord
     may furnish such service and Tenant shall pay therefore such charges as may
     from time to time be in effect for the Building upon demand as Additional
     Rent. As of the date hereof, Landlord's current charge for after-hours air
     conditioning, heating and ventilation is $120.00 per hour and is subject to
     change from time to time. In the event Tenant introduces into the Premises
     personnel or equipment which overloads the capacity of the Building system
     or in any other way interferes with the system's ability to perform
     adequately its proper functions, supplementary systems may, if and as
     needed, at Landlord's option, be provided by Landlord, and the cost of such
     supplementary systems shall be payable by Tenant to Landlord upon demand as
     Additional Rent.

          (b) Tenant agrees in its use of the Premises (i) not to exceed the
     electrical standard for the Premises, and (ii) that its total connected
     lighting load it will not exceed the maximum from time to time permitted
     under applicable governmental regulations. The electrical standard for the
     Premises is designed to meet a demand requirement not to exceed 4.78 watts
     per usable square foot of the Premises for 120/208 volt, three phase power.
     If, without in any way derogating from the foregoing limitation, Tenant
     shall require electricity in excess of the requirements set forth above,
     Tenant shall notify Landlord and Landlord may (without being obligated to
     do so) supply such additional service or equipment at Tenant's sole cost
     and expense. Landlord shall purchase and install, at Tenant's expense, all
     lamps, tubes, bulbs, starters and ballasts. In order to assure that the
     foregoing requirements are not exceeded and to avert possible adverse
     effect on the Building's electric system, Tenant shall not, without
     Landlord's prior consent, connect any fixtures, appliances or equipment to
     the Building's electric

                                       10

<PAGE>

     distribution system other than personal computers, facsimilie transceivers,
     typewriters, pencil sharpeners, adding machines, photocopiers, word and
     data processors, clocks, radios, hand-held or desk top calculators,
     dictaphones, desktop computers and other similar small electrical equipment
     normally found in business offices. All charges to Tenant under this
     paragraph shall be due and payable as Additional Rent within thirty (30)
     days after receiving Landlord's invoice therefor. Landlord has examined the
     Premises and has determined that as of the date hereof, Tenant's equipment
     in the Premises does not exceed the limitations set forth above.

          (c) From time to time during the Term of this Lease, Landlord shall
     have the right to have an independent electrical consultant selected by
     Landlord make a survey of Tenant's electric usage, the result of which
     survey shall be conclusively binding upon Landlord and Tenant. In the event
     that such survey shows that Tenant has exceeded the requirements set forth
     in PARAGRAPH (B), in addition to any other rights Landlord may have
     hereunder, Tenant shall, upon demand, reimburse Landlord for the cost of
     such survey and the cost, as determined by such consultant, of electricity
     usage in excess of such requirements as Additional Rent.

          (d) Tenant acknowledges that electricity to the Premises is separately
     metered and Tenant shall pay the applicable public utility company directly
     for all electrical services in the Premises.

     7.5 OTHER SERVICES.

     Landlord shall also provide:

          (a) Passenger elevator service from the existing passenger elevator
     system in common with Landlord and others entitled thereto.

          (b) Warm water for lavatory purposes and cold water (at temperatures
     supplied by the city in which the Property is located) for drinking,
     lavatory and toilet purposes. If Tenant uses water for any purpose other
     than for ordinary lavatory and drinking purposes, Landlord may assess a
     reasonable charge for the additional water so used, or install a water
     meter and thereby measure Tenant's water consumption for all purposes. In
     the latter event, Tenant shall pay the cost of the meter and the cost of
     installation thereof as Additional Rent upon demand and shall keep such
     meter and installation equipment in good working order and repair. Tenant
     agrees to pay for water consumed, as shown on such meter, together with the
     sewer charge based on such meter charges, as and when bills are rendered,
     and in the event Tenant fails timely to make any such payment, Landlord may
     pay such charges and collect the same from Tenant upon demand as Additional
     Rent.

          (c) Cleaning and janitorial services to the Premises, provided the
     same are kept in order by Tenant, substantially in accordance with the
     cleaning standards from time to time in effect for the Building. The
     cleaning specifications for the Building as of the date hereof are attached
     hereto as EXHIBIT H. and remain subject to change from time to time.

          (d) Access to the Premises at all times, subject to security
     precautions from time to time in effect, if any, and subject always to
     restrictions based on emergency conditions.

     Landlord shall provide one or more attendants in or about the lobby of the
     Building which service shall be consistent with that of buildings
     comparable to the Building in the West Loop of downtown Chicago, and the
     costs of such services shall constitute Operating Expenses in accordance
     with the provisions of ARTICLE 9 hereof. Tenant expressly acknowledges and
     agrees that, if provided: (i) such attendants shall not serve as police
     officers, and will be unarmed, and will not be trained in situations
     involving potentially physical confrontation; and (ii) such attendants will
     be solely an amenity to tenants of the Building for purposes such as
     assisting visitors and invitees of tenants and others in the Building,
     monitoring fire control and alarm equipment, and summoning emergency
     services to the Building as and when needed, and not for the purpose of
     securing any individual tenant premises or guaranteeing the physical safety
     of Tenant's

                                       11

<PAGE>

     Premises or of Tenant's employees, agents, contractors or invitees. If and
     to the extent that Tenant desires to provide security for the Premises or
     for such persons or their property, Tenant shall be responsible for so
     doing, after having first consulted with Landlord and after obtaining
     Landlord's consent, which shall not be unreasonably withheld. Except to the
     extent caused by the gross negligence or willful misconduct of Landlord,
     Landlord expressly disclaims any and all responsibility and/or liability
     for the physical safety of Tenant's property, and for that of Tenant's
     employees, agents, contractors and invitees, and, without in any way
     limiting the operation of ARTICLE 10 hereof, Tenant, for itself and its
     agents, contractors, invitees and employees, hereby expressly waives any
     claim, action, cause of action or other right which may accrue or arise as
     a result of any damage or injury to the person or property of Tenant or any
     such agent, invitee, contractor or employee, except to the extent caused by
     the gross negligence or willful misconduct of Landlord. Tenant agrees that,
     as between Landlord and Tenant, it is Tenant's responsibility to advise its
     employees, agents, contractors and invitees as to necessary and appropriate
     safety precautions.

     7.6 INTERRUPTION OF SERVICE.

          (a) Landlord reserves the right to curtail, suspend, interrupt and/or
     stop the supply of water, sewage, electrical current, cleaning, and other
     services, and to curtail, suspend, interrupt and/or stop use of entrances
     and/or lobbies serving access to the Building, or other portions of the
     Property, without thereby incurring any liability to Tenant, when necessary
     by reason of accident or emergency, or for repairs, alterations,
     replacements or improvements in the judgment of Landlord reasonably
     exercised desirable or necessary, or when prevented from supplying such
     services or use due to any act or neglect of Tenant or Tenant's agents
     employees, contractors or invitees or any person claiming by, through or
     under Tenant or by Force Majeure, including, but not limited to, strikes,
     lockouts, difficulty in obtaining materials, accidents, laws or orders, or
     inability, by exercise of reasonable diligence, to obtain electricity,
     water, gas, steam, coal, oil or other suitable fuel or power. Except as set
     forth in PARAGRAPH (B) below, no diminution or abatement of rent or other
     compensation, nor any direct, indirect or consequential damages shall or
     will be claimed by Tenant as a result of, nor shall this Lease or any of
     the obligations of Tenant be affected or reduced by reason of, any such
     interruption, curtailment, suspension or stoppage in the furnishing of the
     foregoing services or use, irrespective of the cause thereof. Except as set
     forth in PARAGRAPH (B) below, failure or omission on the part of Landlord
     to furnish any of the foregoing services or use as provided in this
     paragraph shall not be construed as an eviction of Tenant, actual or
     constructive, nor entitle Tenant to an abatement of rent, nor to render the
     Landlord liable in damages, nor release Tenant from prompt fulfillment of
     any of its covenants under this Lease.

          (b) Notwithstanding anything contained in this Lease to the contrary,
     if (i) an interruption or curtailment, suspension or stoppage of an
     Essential Service (as said term is hereinafter defined) shall occur, except
     any of the same due to any act or neglect of Tenant or Tenant's agents
     employees, contractors or invitees or any person claiming by, through or
     under Tenant (any such interruption of an Essential Service being
     hereinafter referred to as a "SERVICE INTERRUPTION"), and (ii) such Service
     Interruption occurs or continues as a result of the negligence or a
     wrongful conduct of the Landlord or Landlord's agents, servants, employees
     or contractors, and (iii) such Service Interruption continues for more than
     five (5) consecutive Business Days after Landlord shall have received
     notice thereof from Tenant, and (iv) as a result of such Service
     Interruption, the conduct of Tenant's normal operations in the Premises are
     materially and adversely affected, then there shall be an abatement of one
     day's Basic Rent and Escalation Charges for each day during which such
     Service Interruption continues after such five (5) Business Day period;
     provided, however, that if any part of the Premises is reasonably useable
     for Tenant's normal business operations or if Tenant conducts all or any
     part of its operations in any portion of the Premises notwithstanding such
     Service Interruption, then the amount of each daily abatement of Basic Rent
     and Escalation Charges shall only be proportionate to the nature and extent
     of the interruption of Tenant's normal operations or ability to use the
     Premises. In the event of a (a) Service Interruption that continues for 180
     days after Landlord shall have received notice thereof from Tenant, and (b)
     occurs or continues as a result of the negligence or a wrongful conduct of
     the Landlord or Landlord's agents, servants, employees or contractors, and
     (c) as a result of

                                       12

<PAGE>

     such Service Interruption, the conduct of Tenant's normal operations in the
     Premises are materially and adversely affected, and (d) such Service
     Interruption is not being diligently remedied by Landlord, Tenant, as its
     sole remedy, shall have the right to elect to terminate this Lease within
     ten (10) days after the expiration of said one hundred eighty (180) day
     period by delivering written notice thereof to Landlord. The rights granted
     to Tenant under this PARAGRAPH (B) shall be Tenant's sole and exclusive
     remedy resulting from a failure of Landlord to provide services, and
     Landlord shall not otherwise be liable for any loss or damage suffered or
     sustained by Tenant resulting from any failure or cessation of services.
     For purposes hereof, the term "ESSENTIAL SERVICES" shall mean the following
     services: access to the Premises, water and sewer/septic service and
     electricity, but only to the extent that Landlord has an obligation to
     provide same to Tenant under this Lease. Any abatement of Basic Rent under
     this paragraph shall apply only with respect to Basic Rent allocable to the
     period after each of the conditions set forth in subsections (i) through
     (iv) hereof shall have been satisfied and only during such times as each of
     such conditions shall exist.

                                    ARTICLE 8
                                REAL ESTATE TAXES

     8.1 PAYMENTS ON ACCOUNT OF REAL ESTATE TAXES.

          (a) "TAX YEAR" shall mean a twelve-month period commencing on January
     1 and falling wholly or partially within the Term, and "TAXES" shall mean
     (i) all taxes, assessments (special or otherwise), levies, fees and all
     other government levies, exactions and charges of every kind and nature,
     general and special, ordinary and extraordinary, foreseen and unforeseen,
     which are, at any time prior to or during the Term, imposed or levied upon
     or assessed against the Property or any portion thereof, or against any
     Basic Rent, Additional Rent or other rent of any kind or nature payable to
     Landlord by anyone on account of the ownership, leasing or operation of the
     Property, or which arise on account of or in respect of the ownership,
     development, leasing, operation or use of the Property or any portion
     thereof; (ii) all gross receipts taxes or similar taxes imposed or levied
     upon, assessed against or measured by any Basic Rent, Additional Rent or
     other rent of any kind or nature or other sum payable to Landlord by anyone
     on account of the ownership, development, leasing, operation, or use of the
     Property or any portion thereof; (iii) all value added, use and similar
     taxes at any time levied, assessed or payable on account of the ownership,
     development, leasing, operation, or use of the Property or any portion
     thereof; and (iv) reasonable expenses of any proceeding for abatement of
     any of the foregoing items included in Taxes, but the amount of special
     taxes or special assessments included in Taxes shall be limited to the
     amount of the installment (plus any interest, other than penalty interest,
     payable thereon) of such special tax or special assessment required to be
     paid during the year in respect of which such Taxes are being determined.
     There shall be excluded from Taxes all income, estate, succession,
     inheritance and transfer taxes of Landlord; provided, however, that if at
     any time during the Term the present system of ad valorem taxation of real
     property shall be changed so that a capital levy, franchise, income,
     profits, sales, rental, use and occupancy, or other tax or charge shall in
     whole or in part be substituted for, or added to, such ad valorem tax and
     levied against, or be payable by, Landlord with respect to the Property or
     any portion thereof, such tax or charge shall be included in the term
     "TAXES" for the purposes of this Article.

          (b) Tenant shall pay to Landlord as Additional Rent for Taxes an
     amount equal to Tenant's Proportionate Share of the increase in Taxes for
     any calendar year over Taxes for the Base Year. If the calendar year is
     only partially within the Term, the payment to be made by Tenant shall be
     proportionately reduced. The obligation of Tenant to make this payment
     shall survive the expiration or other termination of the Lease. The tax and
     assessment bills used in calculating Tenant's obligation for Additional
     Rent for Taxes in each calendar year shall be those which become due for
     payment during such calendar year, without regard to the period for which
     the tax assessment is levied or assessed and without regard to whether or
     not the Lease was in existence during such period. If, however, there is a
     change in the time payment of taxes during the term of the Lease which
     would result in Tenant paying taxes allocable to a

                                       13

<PAGE>

     period longer or shorter than the term of the Lease, the tax payments for
     the last calendar year shall be equitably adjusted so that the period for
     which Tenant pays taxes is the of the same duration as the term of the
     Lease (though it may not be the same period of time).

          (c) Estimated payments by Tenant on account of Taxes shall be made on
     the first day of each and every calendar month during the Term of this
     Lease, in the fashion herein provided for the payment of Basic Rent. The
     monthly amount so to be paid to Landlord shall be sufficient to provide
     Landlord by the time real estate tax payments are due with a sum equal to
     Tenant's required payment, as reasonably estimated by Landlord from time to
     time, on account of Taxes for the then current Tax Year. Promptly after
     receipt by Landlord of bills for such Taxes, Landlord shall advise Tenant
     of the amount thereof and the computation of Tenant's payment on account
     thereof. If estimated payments theretofore made by Tenant for the Tax Year
     covered by such bills exceed the required payment on account thereof for
     such Tax Year, Landlord shall credit the amount of overpayment against
     subsequent obligations of Tenant on account of Taxes (or promptly refund
     such overpayment if the Term of this Lease has ended and Tenant has no
     further obligation to Landlord); but if the required payments on account
     thereof for such Tax Year are greater than estimated payments theretofore
     made on account thereof for such Tax Year, Tenant shall pay the difference
     to Landlord within thirty (30) days after being so advised by Landlord, and
     the obligation to make such payment for any period within the Term shall
     survive expiration of the Term.

     8.2 ABATEMENT If Landlord contests the amount of any taxes or assessments,
the attorneys fees and expenses incurred in conducting such a contest shall
be considered a part of the tax payment for the purposes of this provision. If
the result of such a contest if to defer the time of payment of taxes to a later
date or to obligate the Landlord to pay any additional taxes or assessments in
the year in which the tax or assessment was originally due, Taxes shall be
recalculated and Tenant shall pay the additional amount due. In the event of a
reduction of Taxes for which Tenant has paid its Proportionate Share of the
increase in Taxes over the Taxes for the Base Year, Tenant shall receive a
credit (or refund in the event this Lease has terminated) for Tenant's
Proportionate Share of such reduction in the increase of Taxes over Taxes for
the Base Year. Tenant shall have the right to examine the tax and assessment
bills on written request. Tenant shall have the right to examine the tax and
assessment bills on written request.

                                    ARTICLE 9
                         OPERATING AND UTILITY EXPENSES

     9.1 DEFINITIONS. "OPERATING YEAR" shall mean each calendar year all or any
part of which falls within the Term, and "OPERATING EXPENSES" shall mean the
aggregate costs and expenses incurred by Landlord with respect to the operation,
administration, cleaning, repair, maintenance and management of the Property,
all as set forth in EXHIBIT D attached hereto, provided that if during any
portion of the Operating Year for which Operating Expenses are being computed,
less than all of the Building was occupied by tenants or Landlord was not
supplying all tenants with the services being supplied under this Lease, actual
Operating Expenses incurred shall be extrapolated reasonably by Landlord on an
item by item basis to the estimated Operating Expenses that would have been
incurred if the Building were fully occupied for such Operating Year and such
services were being supplied to all tenants, and such extrapolated amount shall,
for the purposes hereof, be deemed to be the Operating Expenses for such
Operating Year.

     9.2 TENANT'S PAYMENT OF OPERATING EXPENSES.

          (a) Tenant shall pay to Landlord as Additional Rent for Operating
     Expense, an amount equal to Tenant's Proportionate Share of the increase,
     if any, in Operating Expenses over Operating Expenses for the Base Year. If
     the calendar year is only partially within the Term, the payment to be made
     by Tenant shall be proportionately reduced. The obligation of Tenant to
     make this payment shall survive the expiration or other termination of the
     Lease.

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<PAGE>

          (b) Estimated payments by Tenant on account of Operating Expenses
     shall be made on the first day of each and every calendar month during the
     Term of this Lease, in the fashion herein provided for the payment of
     Basic Rent. The monthly amount to be paid to Landlord shall be sufficient
     to provide Landlord by the end of each Operating Year a sum equal to
     Tenant's required payment, as reasonably estimated by Landlord from time to
     time during each Operating Year, on account of Operating Expenses for such
     Operating Year. After the end of each Operating Year, Landlord shall submit
     to Tenant a reasonably detailed accounting of Operating Expenses for such
     Operating Year. If estimated payments theretofore made for such Operating
     Year by Tenant exceed Tenant's required payment on account thereof for such
     Operating Year according to such statement, Landlord shall credit the
     amount of overpayment against subsequent obligations of Tenant with respect
     to Operating Expenses (or promptly refund such overpayment if the Term of
     this Lease has ended and Tenant has no further obligation to Landlord); but
     if the required payments on account thereof for such Operating Year are
     greater than the estimated payments (if any) theretofore made on account
     thereof for such Operating Year, Tenant shall make payment to Landlord
     within thirty (30) days after being so advised by Landlord, and the
     obligation to make such payment for any period within the Term shall
     survive expiration of the Term.

          (c) Tenant shall have the right to have a CPA licensed in the state in
     which the audit occurs examine, copy and audit Landlord's books and records
     establishing Operating Expenses for any Operating Year for a period of six
     (6) months following the date that Tenant receives the statement of
     Operating Expenses for such Operating Year from Landlord. Tenant shall give
     Landlord not less than thirty (30) days prior notice of its intention to
     examine and audit such books and records, and such examination and audit
     shall take place at such place within the continental United States as
     Landlord routinely maintains such books and records, unless Landlord elects
     to have such examination and audit take place in another location
     designated by Landlord in the city and state in which the Property is
     located. All costs of the examination and audit shall be borne by Tenant;
     provided, however, that if such examination and audit establishes that the
     actual Operating Expenses for the Operating Year in question are less than
     the amount set forth as the annual Operating Expenses on the annual
     statement delivered to Tenant by at least five percent (5%), then Landlord
     shall pay the reasonable costs of such examination and audit. If, pursuant
     to the audit, the payments made for such Operating Year by Tenant exceed
     Tenant's required payment on account thereof for such Operating Year,
     Landlord shall credit the amount of overpayment against subsequent
     obligations of Tenant with respect to Operating Expenses (or promptly
     refund such overpayment if the Term of this Lease has ended and Tenant has
     no further obligation to Landlord); but, if the payments made by Tenant for
     such Operating Year are less than Tenant's required payment as established
     by the examination and audit, Tenant shall pay the deficiency to Landlord
     within thirty (30) days after conclusion of the examination and audit, and
     the obligation to make such payment for any period within the Term shall
     survive expiration of the Term. If Tenant does not elect to exercise its
     right to examine and audit Landlord's books and records for any Operating
     Year within the time period provided for by this paragraph, Tenant shall
     have no further right to challenge Landlord's statement of Operating
     Expenses.

     9.3 UTILITY PAYMENTS. Tenant shall be responsible for the payment of all
utilities used and consumed in the Premises. If Landlord separately meters the
Premises directly to the applicable utility company, as provided in Section 7.4
above, Tenant shall pay all such charges directly to the utility company on or
before the date when due. The obligation to pay for electricity used and
consumed in the Premises during the last month of the Term hereof shall survive
expiration of the Term.

                                   ARTICLE 10
                    INDEMNITY AND PUBLIC LIABILITY INSURANCE

     10.1 TENANT'S INDEMNITY. Except to the extent arising from the gross
negligence or willful misconduct of Landlord or its agents or employees, Tenant
agrees to indemnify and save harmless Landlord and Landlord's partners, members,
shareholders, officers, directors, managers, employees, agents and contractors
and any Holder from and against all claims, losses,

                                       15

<PAGE>

cost, damages, liability or expenses of whatever nature arising: (i) from any
accident, injury or damage whatsoever to any person, or to the property of any
person, occurring in or about the Premises; (ii) from any accident, injury or
damage whatsoever to any person, or to the property of any person, occurring
outside of the Premises but on or about the Property, where such accident,
damage or injury results or is claimed to have resulted from any act or omission
on the part of Tenant or Tenant's agents, employees, contractors, invitees or
sublessees; or (iii) the use or occupancy of the Premises or of any business
conducted therein or any thing or work whatsoever done or any condition created
(other than by Landlord) in or about the Premises, and, in any case, occurring
after the Commencement Date (or such earlier date as of which Tenant takes
possession of the Premises) until the expiration of the Term of this Lease and
thereafter so long as Tenant is in occupancy of any part of the Premises. This
indemnity and hold harmless agreement shall include indemnity against all
losses, costs, damages, expenses and liabilities incurred in or in connection
with any such claim or any proceeding brought thereon, including, without
limitation, reasonable attorneys' fees and costs. The provisions of this SECTION
10.1 shall survive the expiration or earlier termination of this Lease.

     10.2 TENANT INSURANCE. Tenant agrees to maintain in full force from the
date upon which Tenant first enters the Premises for any reason, throughout the
Term of this Lease, and thereafter so long as Tenant is in occupancy of any part
of the Premises, (a) a policy of commercial general liability and property
damage insurance (including broad form contractual liability, independent
contractor's hazard and completed operations coverage) in at least the amounts
of $3,000,000 per occurrence/$4,000,000 aggregate (combined single limit) for
property damage, bodily injury or death, or such commercially reasonably greater
amounts as Landlord in its reasonable discretion shall from time to time
request, under which Tenant is named as an insured and Landlord, and, at
Landlord's request, Landlord's property manager, any Holder, and such other
persons as Landlord reasonably may request are named as additional insureds, and
under which the insurer agrees to indemnify and hold Landlord and such other
additional named insureds harmless from and against all cost, expense and/or
liability arising out of or based upon any and all claims, accidents, injuries
and damages set forth in SECTION 10.1 and (b) "all-risk" property insurance on a
"replacement cost" basis, insuring Tenant's Removable Property and any
Alterations made by Tenant pursuant to SECTION 5.2, to the extent that the same
have not become the property of Landlord. Tenant may satisfy such insurance
requirements by including the Premises in a so-called "blanket" and/or
"umbrella" insurance policy, provided that the amount of coverage allocated to
the Premises pursuant to a "per location" endorsement shall fulfill the
requirements set forth herein. Tenant's insurance shall be primary to, and not
contributory with any insurance carried by Landlord, whose insurance shall be
considered excess only. Each policy required hereunder shall be non-cancelable
and non-amendable with respect to Landlord and Landlord's said designees without
thirty (30) days' prior notice, shall be written on an "occurrence" basis, and a
duplicate original or certificates thereof satisfactory to Landlord, together
with a photocopy of the entire policy, shall be delivered to Landlord. The
policies of insurance required to be maintained by Tenant hereunder shall be
issued by companies domiciled in the United States and qualified and licensed to
conduct business in the state in which the Property is located, and shall be
rated A:X or better in the most current issue of Best's Insurance Reports.
Tenant's insurance policies shall not include deductibles in excess of Five
Thousand Dollars ($5,000.00).

     10.3 TENANT'S RISK. Tenant agrees to use and occupy the Premises and to use
such other portions of the Property as Tenant is herein given the right to use
at Tenant's own risk. Landlord shall not be liable to Tenant, its employees,
agents, invitees or contractors for any damage, injury, loss, compensation, or
claim (including, but not limited to, claims for the interruption of or loss to
Tenant's business) based on, arising out of or resulting from any cause
whatsoever, including, but not limited to, repairs to any portion of the
Premises or the Property, any fire, robbery, theft, mysterious disappearance
and/or any other crime or casualty, the actions of any other tenants of the
Building or of any other person or persons, or any leakage in any part or
portion of the Premises or the Building, or from water, rain or snow that may
leak into, or flow from any part of the Premises or the Building, or from
drains, pipes or plumbing fixtures in the Building, unless due to the gross
negligence or willful misconduct of Landlord or Landlord's agents, contractors
or employees. Any goods, property or personal effects stored or placed in or
about the Premises shall be at the sole risk of Tenant, and neither Landlord nor
Landlord's insurers shall in any manner be held responsible therefor. Landlord
shall not be responsible or liable to Tenant, or to those claiming by, through
or under Tenant, for any loss or damage that may be occasioned by or through the
acts or omissions of persons occupying adjoining premises

                                       16

<PAGE>

or any part of the premises adjacent to or connecting with the Premises or any
part of the Property or otherwise. Notwithstanding the foregoing, Landlord shall
not be released from liability for any injury, loss, damages or liability to the
extent arising from any gross negligence or willful misconduct of Landlord, its
servants, employees or agents acting within the scope of their authority on or
about the Premises; provided, however, that in no event shall Landlord, its
servants, employees or agents have any liability to Tenant based on any loss
with respect to or interruption in the operation of Tenant's business. The
provisions of this SECTION 10.3 shall be applicable from and after the execution
of this Lease and until the end of the Term of this Lease, and during such
further period as Tenant may use or be in occupancy of any part of the Premises
or of the Building.

     10.4 WAIVER OF SUBROGATION. The parties hereto shall each procure an
appropriate clause in, or endorsement on, any property insurance policy on the
Premises or any personal property, fixtures or equipment located thereon or
therein, pursuant to which the insurer waives subrogation or consents to a
waiver of right of recovery in favor of either party, its respective agents or
employees. Having obtained such clauses and/or endorsements, each party hereby
agrees that it will not make any claim against or seek to recover from the other
or its agents or employees for any loss or damage to its property or the
property of others resulting from fire or other perils covered by such property
insurance regardless of the cause or origin of such loss or damage, including,
but not limited to, the negligence of such other party or its agents or
employees.

                                   ARTICLE 11
                           FIRE, EMINENT DOMAIN, ETC.

     11.1 LANDLORD'S RIGHT OF TERMINATION. If the Premises or the Building are
substantially damaged by fixed or casualty (the term "substantially damaged"
meaning damage of such a character that the same cannot, in the ordinary course,
reasonably be expected to be repaired within ninety (90) days from the time that
repair work would commence), or if any part of the Building is taken by any
exercise of the right of eminent domain, then Landlord shall have the right to
terminate this Lease (even if Landlord's entire interest in the Premises may
have been divested) by giving notice of Landlord's election so to do within
ninety (90) days after the occurrence of such casualty or the effective date of
such taking, whereupon this Lease shall terminate thirty (30) days after the
date of such notice with the same force and effect as if such date were the date
originally established as the expiration date hereof. Landlord shall deliver to
Tenant a notice ("DAMAGE NOTICE") advising Tenant of Landlord's estimate of the
time required to substantially complete Landlord's Restoration Work (as
hereinafter defined).

     11.2 RESTORATION; TENANT'S RIGHT OF TERMINATION.

          (a) If the Premises or the Building are damaged by fire or other
     casualty, and this Lease is not terminated pursuant to SECTION 11.1,
     Landlord shall thereafter use reasonable efforts to restore the Building
     and the Premises to proper condition for Tenant's use and occupation
     (excluding Tenant's Restoration Work, as defined below), provided that
     Landlord's obligation shall be limited to the amount of insurance proceeds
     available therefor, and Landlord shall not be obligated to commence
     restoration until Landlord has received the insurance proceeds ("LANDLORD'S
     RESTORATION WORK"). Landlord's Restoration Work shall not include, and
     Tenant shall be solely responsible for, the repair and restoring, at
     Tenant's sole cost and expense, of Tenant Alterations necessary for
     Tenant's initial occupancy of the Premises, any Alterations made by Tenant
     pursuant to SECTION 5.2, and Tenant's Removable Property ("TENANT'S
     RESTORATION WORK")). Notwithstanding anything to the contrary contained
     herein, if in Landlord's sole discretion, it would be appropriate for
     safety reasons, health reasons or the efficient operation or restoration of
     the Building or the Premises for Landlord to perform all or a portion of
     Tenant's Restoration Work on behalf of Tenant, then (x) Landlord shall give
     Tenant a notice specifying the portion of Tenant's Restoration Work to be
     performed by Landlord (the "SPECIFIED RESTORATION WORK"), (y) Landlord
     shall perform the Specified Restoration Work, and (z) Tenant shall pay to
     Landlord within ten (10) days following the giving of Landlord's written
     demand therefor the cost of such Specified Restoration Work.

                                       17

<PAGE>

          (b) Landlord shall not carry any insurance on Tenant's Removable
     Property or on the Alterations that constitute part of Tenant's Restoration
     Work and shall not be obligated to repair or replace Tenant's Removable
     Property or such Alterations (whether or not installed by or at the expense
     of Landlord). Tenant shall look solely to its insurance for recovery of any
     damage to or loss of Tenant's Removable Property or any Alterations. Tenant
     shall notify Landlord promptly of any casualty in the Premises. In the
     event of a partial or total destruction of the Premises, Tenant shall as
     soon as practicable (but no later than five (5) Business Days after
     receiving a notice from Landlord) remove any and all of Tenant's Removable
     Property from the Premises or the portion thereof destroyed, as the case
     may be, and if Tenant does not promptly so remove Tenant's Removable
     Property, Landlord, at Tenant's expense, may discard the same or may remove
     Tenant's Removable Property to a public warehouse for deposit or retain the
     same in its own possession and at its discretion may sell the same at
     either public auction or private sale, the proceeds of which shall be
     applied first to the expenses of removal, storage and sale, second to any
     sums owed by Tenant to Landlord, with any balance remaining to be paid to
     Tenant; if the expenses of such removal, storage and sale shall exceed the
     proceeds of any sale, Tenant shall pay such excess to Landlord upon demand.
     Tenant shall be solely responsible for arranging for any visits to the
     Premises by Tenant's insurance adjuster that may be desired by Tenant prior
     to the removal of Tenant's Removable Property by Tenant or Landlord, as
     provided in this SECTION 11.2(B), or the performance by Landlord of
     Landlord's Restoration Work or the Specified Restoration Work and Landlord
     shall be under no obligation to delay the performance of same, nor shall
     Landlord have any liability to Tenant in the event that Tenant fails to do
     so. Tenant shall promptly permit Landlord access to the Premises for the
     purpose of performing Landlord's Restoration Work and, if applicable, the
     Specified Restoration Work.

          (c) If, for any reason the Premises or the Building are substantially
     damaged (as defined in SECTION 11.1 above), Tenant shall have the right to
     terminate this Lease by giving notice to Landlord thereof within thirty
     (30) days after receipt of Landlord's Damage Notice. Further, if Landlord's
     Restoration Work shall not be substantially completed within six months
     after the expiration of the ninety-day period referred to in SECTION 11.1
     (which six-month period may be extended for such periods of time as
     Landlord is prevented from proceeding with or completing Landlord's
     Restoration Work due to Force Majeure, but in no event for more than an
     additional three months), Tenant shall have the right to terminate this
     Lease by giving notice to Landlord thereof within thirty (30) days after
     the expiration of such period (as so extended) provided Landlord's
     Restoration Work is not completed within such period. This Lease shall
     cease and come to an end without further liability or obligation on the
     part of either party thirty (30) days after such giving of notice by Tenant
     unless, within such thirty-day period, Landlord substantially completes
     Landlord's Restoration Work. Such right of termination shall be Tenant's
     sole and exclusive remedy at law or in equity for Landlord's failure so to
     complete Landlord's Restoration Work, and time shall be of the essence with
     respect thereto.

     11.3 LANDLORD'S INSURANCE. Landlord agrees to maintain in full force and
effect, during the Term of this Lease, property damage insurance with such
deductibles and in such amounts as may from time to time be carried by
reasonably prudent owners of similar buildings in the area in which the Property
is located, provided that in no event shall Landlord be required to carry other
than fire and extended coverage insurance or insurance in amounts greater than
80% of the actual insurable cash value of the Building (excluding footings and
foundations). Landlord may satisfy such insurance requirements by including the
Property in a so-called "blanket" insurance policy, provided that the amount of
coverage allocated to the Property shall fulfill the foregoing requirements.

     11.4 ABATEMENT OF RENT. If the Premises or the Building are damaged by fire
or other casualty, Basic Rent and Escalation Charges payable by Tenant shall
abate proportionately for the period from the date of such fire or other
casualty until the earlier of (a) the date that Landlord substantially completes
Landlord's Restoration Work (provided, that if Landlord would have completed
Landlord's Restoration Work at an earlier date but for Tenant having failed to
cooperate with Landlord in effecting such Work or collecting insurance proceeds,
then the Premises shall be deemed to have been repaired and restored on such
earlier date and the abatement shall cease), or (b) the date Tenant or any
subtenant reoccupies any portion of the Premises (in which case the Basic Rent
and Escalation Charges allocable to such reoccupied

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<PAGE>

portion shall be payable by Tenant from the date of such occupancy).
Notwithstanding any provision contained in this Lease to the contrary, (i) there
shall be no abatement with respect to any portion of the Premises which has not
been rendered untenantable by reason of fire or other casualty and which is
accessible, whether or not other portions of the Premises are untenantable, and
(ii) any abatement of Basic Rent or Escalation Charges applicable to any portion
of the Premises which was rendered untenantable by reason of a casualty shall
cease on the earliest of the dates referred to in clauses (a) or (b) of the
preceding sentence provided such portion is accessible, whether or not other
portions of the Premises remain untenantable. Landlord's determination of the
date Landlord's Restoration Work to the Premises shall have been substantially
completed shall be controlling unless Tenant disputes same by notice to Landlord
given within ten (10) days after such determination by Landlord, and pending
resolution of such dispute, Tenant shall pay Basic Rent and Escalation Charges
in accordance with Landlord's determination. Notwithstanding the foregoing, if
by reason of any act or omission by Tenant, any subtenant or any of their
respective partners, directors, officers, servants, employees, agents or
contractors, Landlord, any Mortgagee shall be unable to collect all of the
insurance proceeds (including, without limitation, rent insurance proceeds)
applicable to the casualty, then, without prejudice to any other remedies which
may be available against Tenant, there shall be no abatement of Basic Rent or of
Escalation Charges. If the Premises shall be affected by any exercise of the
power of eminent domain, Basic Rent and Escalation Charges payable by Tenant
shall be justly and equitably abated and reduced according to the nature and
extent of the loss of use thereof suffered by Tenant. In no event shall Landlord
have any liability for damages to Tenant for inconvenience, annoyance, or
interruption of business arising from any fire or other casualty or eminent
domain.

     11.5 CONDEMNATION AWARD. Landlord shall have and hereby reserves and
excepts, and Tenant hereby grants and assigns to Landlord, all rights to recover
for damages to the Property and the leasehold interest hereby created, and to
compensation accrued or hereafter to accrue by reason of any taking, by exercise
of the right of eminent domain, and by way of confirming the foregoing, Tenant
hereby grants and assigns, and covenants with Landlord to grant and assign to
Landlord, all rights to such damages or compensation, and covenants to deliver
such further assignments and assurances thereof as Landlord may from time to
time request. Nothing contained herein shall be construed to prevent Tenant from
prosecuting in any condemnation proceedings a claim for the value of any of
Tenant's Removable Property installed in the Premises by Tenant at Tenant's
expense and for relocation expenses, provided that such action shall not affect
the amount of compensation otherwise recoverable by Landlord from the
taking authority.

                                   ARTICLE 12
                             HOLDING OVER; SURRENDER

     12.1 HOLDING OVER. Any holding over by Tenant after the expiration of the
Term of this Lease for a period of 90 days or less shall be treated as a daily
tenancy at sufferance at a Basic Rent equal to 150% of the Basic Rent then in
effect plus Escalation Charges and other Additional Rent herein provided
(prorated on a daily basis), and Tenant shall not be liable for consequential
damages in connection therewith. From and after the 91st day of the holdover,
(a) Tenant shall pay to Landlord all damages, direct and/or indirect, sustained
by reason of any such holding over and (b) such holdover shall constitute a
month-to-month tenancy at the rate of 150% of the Basic Rent and Escalation
Charges payable during the last year of the Term; provided, however, at
Landlord's option, such holdover shall constitute a renewal of one (1) year at
the rate of 125% of the Basic Rent and Escalation Charges payable during the
last year of the Term. In all other respects, any holding over shall be on the
terms and conditions set forth in this Lease as far as applicable.

     12.2 SURRENDER OF PREMISES. Upon the expiration or earlier termination of
the Term of this Lease, Tenant shall peaceably quit and surrender to Landlord
the Premises in neat and clean condition and in good order, condition and
repair, together with all alterations, additions and improvements which may have
been made or installed in, on or to the Premises prior to or during the Term of
this Lease (except as hereinafter provided), excepting only ordinary wear and
use and damage by fire or other casualty for which, under other provisions of
this Lease, Tenant has no responsibility to repair or restore. Tenant shall
remove all of Tenant's Removable Property, all wiring and cabling installed by
Tenant prior to or during the Term and, to the extent

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<PAGE>

specified by Landlord, all alterations and additions made by Tenant and all
partitions wholly within the Premises unless installed initially by Landlord in
preparing the Premises for Tenant's occupancy; and shall repair any damages to
the Premises or the Building caused by such removal. Any Tenant's Removable
Property which shall remain in the Building or on the Premises after the
expiration or termination of the Term of this Lease shall be deemed conclusively
to have been abandoned, and either may be retained by Landlord as its property
or may be disposed of in such manner as Landlord may see fit, at Tenant's sole
cost and expense. At Tenant's written request delivered at the time Tenant
requests Landlord's approval of any Tenant Alterations, Landlord shall notify
Tenant which portions, if any, of such Tenant Alterations (including, but not
limited to, wiring and cabling) must be removed by Tenant at the expiration or
earlier termination of the Term. At the end of the Term, Tenant shall not be
required to remove any wiring or cabling existing in the Premises as of the date
hereof.

                                   ARTICLE 13
                    RIGHTS OF MORTGAGEES; TRANSFER OF TITLE

     13.1 RIGHTS OF MORTGAGEES.

          (a) This Lease shall be subordinate to any mortgage, deed of trust or
     ground lease or similar encumbrance (collectively, a "MORTGAGE", and the
     holder thereof from time to time the "HOLDER") from time to time
     encumbering the Premises, whether executed and delivered prior to or
     subsequent to the date of this Lease, unless the Holder shall elect
     otherwise. If this Lease is subordinate to any Mortgage and the Holder or
     any other party shall succeed to the interest of Landlord pursuant to the
     Mortgage (such Holder or other party, a "SUCCESSOR"), at the election of
     the Successor, Tenant shall attorn to the Successor and this Lease shall
     continue in full force and effect between the Successor and Tenant. Not
     more than fifteen (15) days after Landlord's written request, Tenant agrees
     to execute such instruments of subordination or attornment in confirmation
     of the foregoing agreement as the Successor reasonably may request.

          (b) Notwithstanding the foregoing, if this Lease is subordinate to a
     Mortgage as aforesaid, then upon the written request of Tenant, Landlord
     agrees to use commercially reasonable efforts to obtain the Holder's
     written agreement that, subject to such reasonable qualifications as the
     Holder may impose, in the event that the Holder or any other party shall
     succeed to the interest of Landlord hereunder pursuant to such Mortgage, so
     long as no Event of Default exists hereunder, Tenant's right to possession
     of the Premises shall not be disturbed and Tenant's other rights hereunder
     shall not be adversely affected by any foreclosure of such Mortgage. For
     purposes hereof, the term "commercially reasonable efforts" shall not
     include the payment of any sum of money or the consent to less favorable
     terms and conditions with respect to the obligations or indebtedness
     secured or created by the Mortgage. In the event that, despite using
     commercially reasonable efforts, Landlord is unable to obtain such an
     agreement, then this Lease nonetheless shall be subordinate as aforesaid.

     13.2 ASSIGNMENT OF RENTS AND TRANSFER OF TITLE.

          (a) With reference to any assignment by Landlord of Landlord's
     interest in this Lease, or the rents payable hereunder, conditional in
     nature or otherwise, which assignment is made to the holder of a mortgage
     on property which includes the Premises, Tenant agrees that the execution
     thereof by Landlord, and the acceptance thereof by the holder of such
     mortgage shall never be treated as an assumption by such holder of any of
     the obligations of Landlord hereunder unless such holder shall, by notice
     sent to Tenant, specifically otherwise elect and, except as aforesaid, such
     holder shall be treated as having assumed Landlord's obligations hereunder
     only upon foreclosure of such holder's mortgage and the taking of
     possession of the Premises.

          (b) In the event of any transfer of title to the Property by Landlord,
     Landlord shall thereafter be entirely freed and relieved from the
     performance and observance of all covenants and obligations hereunder.

     13.3 NOTICE TO MORTGAGEE. After receiving notice from Landlord of any
Holder of a Mortgage which includes the Premises, no notice from Tenant to
Landlord alleging any default

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by Landlord shall be effective unless and until a copy of the same is given to
such Holder (provided Tenant shall have been furnished with the name and address
of such Holder), and the curing of any of Landlord's defaults by such Holder
shall be treated as performance by Landlord.

                                   ARTICLE 14
                                DEFAULT; REMEDIES

     14.1 TENANT'S DEFAULT.

          (a) If at any time subsequent to the date of this Lease any one or
     more of the following events (herein referred to as an "EVENT OF DEFAULT")
     shall occur:

               (i) Tenant shall fail to pay the Basic Rent, Escalation Charges
          or any other Additional Rent hereunder when due and such failure shall
          continue for three (3) Business Days after notice to Tenant from
          Landlord; or

               (ii) Tenant shall neglect or fail to perform or observe any other
          covenant herein contained on Tenant's part to be performed or observed
          and Tenant shall fail to remedy the same within thirty (30) days after
          notice to Tenant specifying such neglect or failure, or if such
          failure is of such a nature that Tenant cannot reasonably remedy the
          same within such thirty (30) day period, Tenant shall fail to commence
          promptly (and in any event within such thirty (30) day period) to
          remedy the same and to prosecute such remedy to completion with
          diligence and continuity (and in any event, within ninety (90) days
          after the notice described in this SUBPARAGRAPH (II)); or

               (iii) Tenant's leasehold interest in the Premises shall be taken
          on execution or by other process of law directed against Tenant; or

               (iv) Tenant shall make an assignment for the benefit of creditors
          or shall be adjudicated insolvent, or shall file any petition or
          answer seeking any reorganization, arrangement, composition,
          readjustment, liquidation, dissolution or similar relief for itself
          under any present or future Federal, State or other statute, law or
          regulation for the relief of debtors (other than the Bankruptcy Code,
          as hereinafter defined), or shall seek or consent to or acquiesce in
          the appointment of any trustee, receiver or liquidator of Tenant or of
          all or any substantial part of its properties, or shall admit in
          writing its inability to pay its debts generally as they become due;
          or

               (v) An Event of Bankruptcy (as hereinafter defined) shall occur
          with respect to Tenant; or

               (vi) A petition shall be filed against Tenant under any law
          (including, but not limited to, the Bankruptcy Code) seeking any
          reorganization, arrangement, composition, readjustment, liquidation,
          dissolution, or similar relief under any present or future Federal,
          State or other statute, law or regulation and shall remain undismissed
          or unstayed for an aggregate of sixty (60) days (whether or not
          consecutive), or if any trustee, conservator, receiver or liquidator
          of Tenant or of all or any substantial part of its properties shall be
          appointed without the consent or acquiescence of Tenant and such
          appointment shall remain unvacated or unstayed for an aggregate of
          sixty (60) days (whether or not consecutive);

               (vii) If: (x) Tenant shall fail to pay the Basic Rent, Escalation
          Charges or any other Additional Rent hereunder when due or shall fail
          to perform or observe any other covenant herein contained on Tenant's
          part to be performed or observed and Tenant shall cure any such
          failure within the applicable grace period set forth in clauses (i) or
          (ii) above; or (y) an Event of Default of the kind set forth in
          clauses (i) or (ii) above shall occur and Landlord shall, in its sole
          discretion, permit Tenant to cure such Event of Default after the
          applicable grace period has expired; and the same or a similar failure
          shall occur more than once within the next 365 days (whether or not
          such similar failure is cured within the applicable grace period); or

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<PAGE>

               (viii) The occurrence of any of the events described in
          PARAGRAPHS (A)(IV)-(A)(VI) with respect to any guarantor of all or any
          portions of Tenant's obligations under this Lease;

then in any such case Landlord may terminate this Lease as hereinafter provided
and exercise any other rights or remedies available under this Lease, at law or
in equity.

          (b) For purposes of CLAUSE (A)(V) above, an "EVENT OF BANKRUPTCY"
     means the filing of a voluntary petition by Tenant, or the entry of an
     order for relief against Tenant, under Chapter 7, 11, or 13 of the
     Bankruptcy Code, and the term "BANKRUPTCY CODE" means 11 U.S.C. Section
     101, et seq.. If an Event of Bankruptcy occurs, then the trustee of
     Tenant's bankruptcy estate or Tenant as debtor-in-possession may (subject
     to final approval of the court) assume this Lease, and may subsequently
     assign it, only if it does the following within sixty (60) days after the
     date of the filing of the voluntary petition, the entry of the order for
     relief (or such additional time as a court of competent jurisdiction may
     grant, for cause, upon a motion made within the original sixty-day
     period):

               (i) file a motion to assume the Lease with the appropriate court;

               (ii) satisfy all of the following conditions, which Landlord and
          Tenant acknowledge to be commercially reasonable:

                    (A) cure all Events of Default of Tenant under this Lease or
               provide Landlord with Adequate Assurance (as defined below) that
               it will (x) cure all monetary Events of Default of Tenant
               hereunder within ten (10) days from the date of the assumption;
               and (y) cure all non-monetary Events of Default of Tenant
               hereunder within thirty (30) days from the date of the
               assumption;

                    (B) compensate Landlord and any other person or entity, or
               provide Landlord with Adequate Assurance that within ten (10)
               days after the date of the assumption, it will compensate
               Landlord and such other person or entity, for any pecuniary loss
               that Landlord and such other person or entity incurred as a
               result of any Event of Default, the trustee, or the
               debtor-in-possession;

                    (C) provide Landlord with Adequate Assurance of Future
               Performance (as defined below) of all of TENANT'S obligations
               under this Lease; and

                    (D) deliver to Landlord a written statement that the
               conditions herein have been satisfied.

          (c) For purposes only of the foregoing PARAGRAPH (B), and in addition
     to any other requirements under the Bankruptcy Code, any future federal
     bankruptcy law and applicable case law, "ADEQUATE ASSURANCE" means at least
     meeting the following conditions, which Landlord and Tenant acknowledge to
     be commercially reasonable:

               (i) entering an order segregating sufficient cash to pay Landlord
          and any other person or entity under PARAGRAPH (B) above, and

               (ii) granting to Landlord a valid first lien and security
          interest (in form acceptable to Landlord) in all property comprising
          the Tenant's "property of the estate," as that term is defined in
          Section 541 of the Bankruptcy Code, located on, used at or relating to
          the Premises, which lien and security interest secures the trustee's
          or debtor-in-possession's obligation to cure the monetary and
          nonmonetary defaults under the Lease within the periods set forth in
          PARAGRAPH (B) above.

          (d) For purposes only of PARAGRAPH (B) above, and in addition to any
     other requirements under the Bankruptcy Code, any future federal
     bankruptcy law and applicable case law, "ADEQUATE ASSURANCE OF FUTURE
     PERFORMANCE" means at least

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<PAGE>

     meeting the following conditions, which Landlord and Tenant acknowledge to
     be commercially reasonable;

               (i) the trustee or debtor-in-possession depositing with Landlord,
          as security for the timely payment of rent and other monetary
          obligations, an amount equal to the sum of two (2) months' Basic Rent
          plus an amount equal to two (2) months' installments on account of
          Escalation Charges;

               (ii) the trustee or the debtor-in-possession agreeing to pay in
          advance, on each day that the Basic Rent is payable, the monthly
          installments on account of Escalation Charges;

               (iii) the trustee or debtor-in-possession providing adequate
          assurance of the source of the rent and other consideration due under
          this Lease;

               (iv) Tenant's bankruptcy estate and the trustee or
          debtor-in-possession providing Adequate Assurance of the feasibility
          of the bankruptcy estate (and any successor after the conclusion of
          the Tenant's bankruptcy proceedings) continuing to have sufficient
          unencumbered assets after the payment of all secured obligations and
          administrative expenses to assure Landlord that the bankruptcy estate
          (and any successor after the conclusion of the Tenant's bankruptcy
          proceedings) will have sufficient funds to fulfill Tenant's
          obligations hereunder.

          (e) If the trustee or the debtor-in-possession assumes the Lease under
     PARAGRAPH (B) above and applicable bankruptcy law, it may assign its
     interest in this Lease only if the proposed assignee first provides
     Landlord with Adequate Assurance of Future Performance of all of Tenant's
     obligations under the Lease, and if Landlord determines, in the exercise of
     its reasonable business judgment, that the assignment of this Lease will
     not breach any other lease, or any mortgage, financing agreement, or other
     agreement relating to the Property by which Landlord or the Property is
     then bound (and Landlord shall not be required to obtain consents or
     waivers from any third party required under any lease, mortgage, financing
     agreement, or other such agreement by which Landlord is then bound).

          (f) For purposes only of PARAGRAPH (E) above, and in addition to any
     other requirements under the Bankruptcy Code, any future federal bankruptcy
     law and applicable case law, "ADEQUATE ASSURANCE OF FUTURE PERFORMANCE"
     means at least the satisfaction of the following conditions, which Landlord
     and Tenant acknowledge to be commercially reasonable:

               (i) the proposed assignee submitting a current financial
          statement, audited by a certified public accountant, that allows a net
          worth and working capital in amounts determined in the reasonable
          business judgment of Landlord to be sufficient to assure the future
          performance by the assignee of Tenant's obligation under this Lease;
          and

               (ii) if requested by Landlord in the exercise of its reasonable
          business judgment, the proposed assignee obtaining a guarantee (in
          form and substance satisfactory to Landlord) from one or more persons
          who satisfy Landlord's standards of creditworthiness.

     14.2 LANDLORD'S REMEDIES. Upon the occurrence of an Event of Default:

          (a) Landlord may terminate this Lease by serving written notice on
     Tenant of Landlord's election to do so, and may thereafter forthwith
     proceed to recover possession of the Premises (together with all
     alterations, installations, improvements, additions, and other physical
     changes to the Premises) in accordance with the laws of the State of
     Illinois. If Landlord elects to terminate this Lease, Landlord shall be
     entitled to recover forthwith as damages a sum of money equal to the total
     of (i) the cost of recovering the Premises, (ii) the unpaid Basic Rent,
     Escalation Charges and other sums payable hereunder earned at the time of
     termination, plus interest thereon at the rate set forth in Section 14.4,
     (iii) the present value of the balance of the Basic Rent, Escalation
     Charges and other sums payable hereunder and other amounts owed hereunder
     for the remainder

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<PAGE>

     of the Term, less the fair market value of the Basic Rent, Escalation
     Charges and other sums payable hereunder for the Premises for said period
     (also reduced to present value), and (iv) any other sum of money and
     damages owed by Tenant to Landlord; or

          (b) Landlord may terminate Tenant's right to possession of the
     Premises without terminating the Lease and Landlord may forthwith proceed
     to recover possession of the Premises in accordance with the laws of the
     State of Illinois. If Landlord elects to terminate Tenant's right to
     possession without terminating the Lease, Tenant shall remain liable for
     all Basic Rent, Escalation Charges and other sums payable hereunder and
     other charges due hereunder and for all costs incurred by Landlord in
     recovering possession of the Premises. Landlord shall thereafter use
     reasonable efforts to relet the Premises for such rent, for such term
     (whether greater or less than the remaining Term of this Lease) and upon
     such terms and conditions as Landlord shall find acceptable. For the
     purposes of reletting the Premises, Landlord may decorate and/or make any
     repairs, changes, alterations or additions as may be reasonably necessary.
     Landlord shall not be required to give priority to its efforts to relet the
     Premises over its efforts to relet any other vacant space in the Building.
     If Landlord succeeds in reletting the Premises, the Net Rental (as
     hereinafter defined) from time to time received by Landlord therefrom over
     the remaining term of this Lease shall be applied to reduce Tenant's
     obligations to Landlord hereunder. The term "NET RENTAL" shall, for
     purposes hereof, mean the gross rental actually received by Landlord from
     such reletting less the amount of all costs incurred by Landlord in
     connection with such reletting (including, without limitation, broker's
     fees, attorneys' fees, costs of preparing the Premises for occupancy and
     any inducements granted to the new tenant). Tenant shall timely pay all
     amounts owed to Landlord during the Term. No delivery or recovery of any
     amount due Landlord pursuant to this Lease shall be any defense in any
     action to recover any amount not theretofore reduced to judgment in favor
     of Landlord, nor shall the reletting pursuant to this Section 14.2 be
     construed as an election on the part of Landlord to terminate this Lease
     unless a written notice of such intention shall be given to Tenant by
     Landlord. Notwithstanding any such reletting without termination, Landlord
     may at any time thereafter elect to terminate this Lease for such previous
     breach or Event of Default. If Landlord does in fact relet the Premises,
     Tenant shall not be entitled to any rentals or other consideration from
     such reletting, if any, that exceed any amounts owed by Tenant to Landlord;
     or

          (c) Landlord may, without judicial process and without having any
     liability therefor, enter upon the Premises and do whatever Tenant is
     obligated to do under the terms of this Lease and Tenant agrees to
     reimburse Landlord on demand for any expenses which Landlord may incur in
     effecting compliance with Tenant's obligations under this Lease, and Tenant
     further agrees that Landlord shall not be liable for any damages resulting
     to Tenant from such action, WHETHER CAUSED BY THE NEGLIGENCE OF LANDLORD OR
     OTHERWISE.

          (d) Landlord shall not be required to serve Tenant with any notices or
     demands as a prerequisite to its exercise of any of its rights or remedies
     under this Lease, other than those notices and demands specifically
     required under this Lease. Tenant expressly waives the service of any
     statutory demand or notice which is a prerequisite to Landlord's
     commencement of eviction proceedings against Tenant, including demands and
     notices specified in 735 ILCS Sections 5/9-209 and 5/9-210, it being agreed
     that the notices delivered by Landlord pursuant to SECTION 14.1 above shall
     constitute such statutory demands and notices.

          (e) In the event Landlord has repossessed the Premises in accordance
     with this Lease and/or in accordance with applicable law, and in the
     further event that any property is found remaining upon the Premises at the
     time of such repossession of the Premises by Landlord, then Landlord may
     remove and store in any warehouse, at Tenant's cost, or, in Landlord's sole
     discretion, Landlord may deem abandoned by Tenant and dispose of in
     accordance with applicable law, any property found upon the Premises at the
     time of such re-entry of the Premises by Landlord or termination of
     Tenant's right to the Premises. The provisions of this Section 14.2 will
     be construed consistent with Illinois law, so that remedies of Landlord
     herein described are available to Landlord to the full extent but only to
     the extent that they are not invalid or unenforceable under Illinois law.

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<PAGE>

     14.3 ADDITIONAL RENT. If Tenant shall fail to pay when due any sums under
this Lease designated as an Escalation Charge or other Additional Rent, Landlord
shall have the same rights and remedies as Landlord has hereunder for failure to
pay Basic Rent.

     14.4 REMEDYING DEFAULTS. Landlord shall have the right, but shall not be
required, to pay such sums or do any act which requires the expenditure of
monies which may be necessary or appropriate by reason of the failure or neglect
of Tenant to perform any of the provisions of this Lease, and in the event of
the exercise of such right by Landlord, Tenant agrees to pay to Landlord
forthwith upon demand all such sums, together with interest thereon at a rate
equal to 3% plus the prime rate published from time to time in The Wall Street
Journal or its successor publication (but in no event more than 12% per annum),
as Additional Rent. Any payment of Basic Rent, Escalation Charges or other sums
payable hereunder not paid when due shall, at the option of Landlord, bear
interest at a rate equal to 3% plus the prime rate published from time to time
in The Wall Street Journal or its successor publication (but in no event more
than 12% per annum) from the due date thereof and shall be payable forthwith on
demand by Landlord, as Additional Rent.

     14.5 REMEDIES CUMULATIVE. The specified remedies to which Landlord may
resort hereunder are not intended to be exclusive of any remedies or means of
redress to which Landlord may at any time be entitled lawfully, and Landlord may
invoke any remedy (including the remedy of specific performance) allowed at law
or in equity as if specific remedies were not herein provided for.

     14.6 ENFORCEMENT COSTS. Tenant shall pay all costs and expenses (including,
without limitation, attorneys' fees and expenses at both the trial and appellate
levels) incurred by or on behalf of Landlord in connection with the successful
enforcement of any rights of Landlord or obligations of Tenant hereunder,
whether or not occasioned by an Event of Default.

     14.7 WAIVER. Failure on the part of Landlord or Tenant to complain of any
action or non-action on the part of the other, no matter how long the same may
continue, shall never be a waiver by Tenant or Landlord, respectively, of any of
the other's rights hereunder. Further, no waiver at any time of any of the
provisions hereof by Landlord or Tenant shall be construed as a waiver of any of
the other provisions hereof, and a waiver at any time of any of the provisions
hereof shall not be construed as a waiver at any subsequent time of the same
provisions. The consent or approval of Landlord or Tenant to or of any action by
the other requiring such consent or approval shall not be construed to waive or
render unnecessary Landlord's or Tenant's consent or approval to or of any
subsequent similar act by the other. No payment by Tenant, or acceptance by
Landlord, of a lesser amount than shall be due from Tenant to Landlord shall be
treated otherwise than as a payment on account of the earliest installment of
any payment due from Tenant under the provisions hereof. The acceptance by
Landlord of a check for a lesser amount with an endorsement or statement
thereon, or upon any letter accompanying such check, that such lesser amount is
payment in full, shall be given no effect, and Landlord may accept such check
without prejudice to any other rights or remedies which Landlord may have
against Tenant.

     14.8 SECURITY DEPOSIT. If a security deposit is specified in SECTION 1.1
hereof, Tenant agrees that the same will be paid upon execution and delivery of
this Lease, and that Landlord shall hold the same throughout the Term of this
Lease as security for the performance by Tenant of all obligations on the part
of Tenant hereunder. Landlord shall have the right from time to time, without
prejudice to any other remedy Landlord may have on account thereof, to apply
such deposit, or any part thereof, to Landlord's damages arising from, or to
cure, any Event of Default. If Landlord shall so apply any or all of such
deposit, Tenant shall immediately upon demand deposit with Landlord the amount
so applied to be held as security hereunder. Landlord shall return the deposit,
or so much thereof as shall not have theretofore been applied in accordance with
the terms of this Section, to Tenant on the expiration or earlier termination of
the Term of this Lease and surrender of possession of the Premises by Tenant to
Landlord at such time, provided that there is then existing no Event of Default
(nor any circumstance which, with the passage of time or the giving of notice,
or both, would constitute an Event of Default). While Landlord holds such
deposit, Landlord shall have no obligation to pay interest on the same and shall
have the right to commingle the same with Landlord's other funds. If Landlord
conveys Landlord's interest under this Lease, the deposit, or any part thereof
not previously applied, may be turned over by Landlord to Landlord's grantee,
and, if so turned over, Tenant agrees to look solely to such grantee for proper
application of the deposit in accordance with the

                                       25

<PAGE>

terms of this Section, and the return thereof in accordance herewith. The holder
of a mortgage shall not be responsible to Tenant for the return or application
of any such deposit, whether or not it succeeds to the position of Landlord
hereunder, unless such deposit shall have been received in hand by such holder.

     14.9 LANDLORD'S DEFAULT. Landlord shall in no event be in default under
this Lease unless Landlord shall neglect or fail to perform any of its
obligations hereunder and shall fail to remedy the same within thirty (30) days
after notice to Landlord specifying such neglect or failure, or if such failure
is of such a nature that Landlord cannot reasonably remedy the same within such
thirty (30) day period, Landlord shall fail to commence promptly (and in any
event within such thirty (30) day period) to remedy the same and to prosecute
such remedy to completion with diligence and continuity.

                                   ARTICLE 15
                            MISCELLANEOUS PROVISIONS

     15.1 RIGHTS OF ACCESS. Landlord, its agents, contractors and employees
shall have the right to enter the Premises at all reasonable hours with
reasonable prior notice (except in the event of an emergency, in which event no
notice shall be required) for the purpose of inspecting the Premises, doing
maintenance or making repairs or otherwise exercising its rights or fulfilling
its obligations under this Lease, and Landlord also shall have the right to make
access available at all reasonable hours to prospective or existing mortgagees,
purchasers or tenants of any part of the Property.

     15.2 COVENANT OF QUIET ENJOYMENT. Subject to the terms and conditions of
this Lease, on payment of the Basic Rent and Escalation Charges and other
Additional Rent and observing, keeping and performing all of the other terms and
conditions of this Lease on Tenant's part to be observed, kept and performed,
Tenant shall lawfully, peaceably and quietly enjoy the Premises during the term
hereof, without hindrance or ejection by any persons lawfully claiming under
Landlord to have title to the Premises superior to Tenant. The foregoing
covenant of quiet enjoyment is in lieu of any other covenant, express or
implied.

     15.3 LANDLORD'S LIABILITY.

          (a) Tenant agrees to look solely to Landlord's equity interest in the
     Property at the time of recovery for recovery of any judgment against
     Landlord, and agrees that neither Landlord, its partners, members or their
     officers, agents and employees nor any successor of Landlord, its partners,
     members or their officers, agents and employees shall be personally liable
     for any such judgment, or for the payment of any monetary obligation to
     Tenant. The provision contained in the foregoing sentence is not intended
     to, and shall not, limit any right that Tenant might otherwise have to
     obtain injunctive relief against Landlord or any successor of Landlord, or
     to take any action not involving the personal liability of Landlord or any
     successor of Landlord to respond in monetary damages from Landlord's assets
     other than Landlord's equity interest in the Property.

          (b) In no event shall Landlord ever be liable to Tenant for any loss
     of business or any other indirect or consequential damages suffered by
     Tenant from whatever cause.

          (c) Where provision is made in this Lease for Landlord's consent, and
     Tenant shall request such consent, and Landlord shall fail or refuse to
     give such consent, Tenant shall not be entitled to any damages for any
     withholding by Landlord of its consent, it being intended that Tenant's
     sole remedy shall be an action for specific performance or injunction, and
     that such remedy shall be available only in those cases where Landlord has
     expressly agreed in writing not to unreasonably withhold its consent.
     Furthermore, whenever Tenant requests Landlord's consent or approval
     (whether or not provided for herein), Tenant shall pay to Landlord, on
     demand, as Additional Rent, any reasonable expenses incurred by Landlord
     (including without limitation reasonable attorneys' fees and costs, if
     any) in connection therewith.

          (d) Any repairs or restoration required or permitted to be made by
     Landlord under this Lease may be made during normal business hours, and
     Landlord shall have no

                                       26

<PAGE>

     liability for damages to Tenant for inconvenience, annoyance or
     interruption of business arising therefrom.

     15.4 ESTOPPEL CERTIFICATE. Tenant shall, at any time and from time to time,
upon not less than ten (10) business days prior written notice by Landlord,
execute, acknowledge and deliver to Landlord an estoppel certificate containing
such statements of fact as Landlord reasonably requests.

     15.5 BROKERAGE. Tenant warrants and represents that Tenant has dealt with
no broker in connection with the consummation of this Lease other than Broker,
and, in the event of any brokerage claims against Landlord predicated upon prior
dealings with Tenant, Tenant agrees to defend the same and indemnify Landlord
against any such claim (except any claim by Broker).

     15.6 RULES AND REGULATIONS. Tenant shall abide by the Rules and Regulations
from time to time established by Landlord, it being agreed that such Rules and
Regulations will be established and applied by Landlord in a non-discriminatory
fashion, such that all Rules and Regulations shall be generally applicable to
other tenants of the Building of similar nature to the Tenant named herein.
Landlord agrees to use reasonable efforts to insure that any such Rules and
Regulations are uniformly enforced, but Landlord shall not be liable to Tenant
for violation of the same by any other tenant or occupant of the Building, or
persons having business with them. In the event that there shall be a conflict
between such Rules and Regulations and the provisions of this Lease, the
provisions of this Lease shall control. The Rules and Regulations currently in
effect are set forth in EXHIBIT E.

     15.7 FINANCIAL STATEMENTS. Tenant shall, at any time and from time to time
but in no event more frequently man once per twelve month period, upon not less
than ten (10) Business Days' prior written notice by Landlord, deliver to
Landlord Tenant's and each Guarantor's most recently audited, or if not
available, unaudited, financial statements, in form reasonably satisfactory to
Landlord.

     15.8 SUBSTITUTE SPACE. If Landlord so requests, Tenant shall vacate the
Premises and relinquish its rights with respect to the same provided that
Landlord shall provide to Tenant substitute space in the Building, such space to
be (i) located above the 9th floor of the Building and (ii) reasonably
comparable in size, layout, finish and utility to the Premises, and further
provided that Landlord shall, at its sole cost and expense, move Tenant and
Tenant's Removable Property from the Premises to such new space in such manner
as will minimize, to the greatest extent practicable, undue interference with
the business or operations of Tenant. Any such substitute space shall, from and
after such relocation, be treated as the Premises demised under this Lease, and
shall be occupied by Tenant under the same terms, provisions and conditions as
are set forth in this Lease. Landlord shall not have the right to relocate
Tenant during the first two years of the Term. Landlord shall reimburse Tenant
for its reasonable out-of-pocket costs in connection with printing and
distributing relocation notices to Tenant's customers and one month's supply of
stationery showing Tenant's new address.

     15.9 INVALIDITY OF PARTICULAR PROVISIONS. If any term or provision of this
Lease, or the application thereof to any person or circumstance shall, to any
extent, be invalid or unenforceable, the remainder of this Lease, or the
application of such term or provision to persons or circumstances other than
those as to which it is held invalid or unenforceable, shall not be affected
thereby, and each term and provision of this Lease shall be valid and be
enforced to the fullest extent permitted by law.

     15.10 PROVISIONS BINDING, ETC. Except as herein otherwise provided, the
terms hereof shall be binding upon and shall inure to the benefit of the
successors and assigns, respectively, of Landlord and Tenant (except in the case
of Tenant, only such successors and assigns as may be permitted hereunder) and,
if Tenant shall be an individual, upon and to his heirs, executors,
administrators, successors and permitted assigns. Each term and each provision
of this Lease to be performed by Tenant shall be construed to be both a covenant
and a condition. Any reference in this Lease to successors and assigns of Tenant
shall not be construed to constitute a consent to assignment by Tenant. Tenant
represents and warrants that Tenant is not, and the entities or individuals
constituting Tenant or which may own or control Tenant or which may be owned or
controlled by Tenant are not, among the individuals or entities identified on
any list compiled pursuant to Executive Order 13224 for the purpose of
identifying suspected terrorists.

                                       27

<PAGE>

     15.11 RECORDING. Tenant agrees not to record this Lease, but, if the Term
of this Lease (including any extended term) is seven (7) years or longer, each
party hereto agrees, on the request of the other, to execute a notice of lease
in recordable form and complying with applicable law. In no event shall such
document set forth the rent or other charges payable by Tenant under this
Lease; and any such document shall expressly state that it is executed pursuant
to the provisions contained in this Lease, and is not intended to vary the terms
and conditions of this Lease. At Landlord's request, promptly upon expiration of
or earlier termination of the Term, Tenant shall execute and deliver to Landlord
a release of any document recorded in the real property records for the location
of the Property evidencing this Lease, and Tenant hereby appoints Landlord
Tenant's attorney-in-fact, coupled with an interest, to execute any such
document if Tenant fails to respond to Landlord's request to do so within
fifteen (15) days. The obligations of Tenant under this Section shall survive
the expiration or any earlier termination of the Term.

     15.12 NOTICE. All notices or other communications required hereunder shall
be in writing and shall be deemed duly given if delivered in person (with
receipt therefor), if sent by reputable overnight delivery or courier service
(e.g., Federal Express) providing for receipted delivery, or if sent by
certified or registered mail, return receipt requested, postage prepaid, to the
following address:

          (a) if to Landlord at Landlord's Address, to the attention of Property
     Manager; with a copy to Boston Capital Institutional Advisors LLC, One
     Boston Place, Suite 2100, Boston, Massachusetts 02108, Attention: William
     H. Kremer, and a copy to Lawrence R. Cahill, P.C., Goodwin Procter LLP,
     Exchange Place, 53 State Street, Boston, Massachusetts 02109 and a copy to
     James L. Beard, Esq., Piper Rudnick, 203 North LaSalle Street, Suite 1800,
     Chicago, Illinois 60601.

          (b) if to Tenant, at Tenant's Address, with a copy to the attention of
     Bruce Mitchell, CompBenefits Corporation, 100 Mansell Court East, Suite
     400, Roswell, Georgia 30076.

     Where receipt of notice or other communication shall be conclusively
established by either (i) return of a return receipt indicating that the notice
has been delivered; or (ii) return of the letter containing the notice with an
indication from the courier or postal service that the addressee has refused to
accept delivery of the notice. Either party may change its address for the
giving of notices by notice given in accordance with this Section.

     15.13 WHEN LEASE BECOMES BINDING; ENTIRE AGREEMENT; MODIFICATION. The
submission of this document for examination and negotiation does not constitute
an offer to lease, or a reservation of, or option for, the Premises, and this
document shall become effective and binding only upon the execution and delivery
hereof by both Landlord and Tenant. This Lease is the entire agreement between
Landlord and Tenant, and this Lease expressly supersedes any negotiations,
considerations, representations and understandings and proposals or other
written documents relating hereto. This Lease may be modified or altered only by
written agreement between Landlord and Tenant, and no act or omission of any
employee or agent of Landlord shall alter, change or modify any of the
provisions hereof.

     15.14 PARAGRAPH HEADINGS AND INTERPRETATION OF SECTIONS. The paragraph
headings throughout this instrument are for convenience and reference only, and
the words contained therein shall in no way be held to explain, modify, amplify
or aid in the interpretation, construction or meaning of the provisions of this
Lease. The provisions of this Lease shall be construed as a whole, according to
their common meaning (except where a precise legal interpretation is clearly
evidenced), and not for or against either party. Use in this Lease of the words
"including," "such as" or words of similar import, when followed by any general
term, statement or matter, shall not be construed to limit such term, statement
or matter to the specified item(s), whether or not language of non-limitation,
such as "without limitation" or "including, but not limited to," or words of
similar import, are used with reference thereto, but rather shall be deemed to
refer to all other terms or matters that could fall within a reasonably broad
scope of such term, statement or matter.

     15.15 DISPUTE RESOLUTION. In the event of a dispute between Landlord and
Tenant pursuant to this Lease (other than a dispute relating to the payment of
Basic Rent and Escalation Charges) the parties agree that prior to pursuing
other available remedies (excluding giving

                                       28

<PAGE>

notices of default), they will attempt to directly negotiate resolution of their
dispute. If negotiation is unsuccessful, then they agree to participate in at
least three hours of mediation to be facilitated by a mediator mutually
acceptable to them under the mediation procedures set by the mediator. The
mediation session shall be conducted within thirty (30) days of the date on
which the mediator receives the request to mediate. The costs of such mediation
shall be shared equally by the parties.

     15.16 WAIVER OF JURY TRIAL. Landlord and Tenant hereby each waive trial by
jury in any action, proceeding or counterclaim brought by either against the
other, on or in respect of any matter whatsoever arising out of or in any way
connected with this Lease, the relationship of Landlord and Tenant or Tenant's
use or occupancy of the Premises.

     15.17 TIME IS OF THE ESSENCE. Time is of the essence of each provision of
this Lease.

     15.18 MULTIPLE COUNTERPARTS. This Lease may be executed in multiple
counterparts, each of which shall be deemed an original and all of which
together shall constitute one and the same document.

     15.19 GOVERNING LAW. This Lease shall be governed by the laws of the State
of Illinois.

                                       29

<PAGE>

     IN "WITNESS WHEREOF, Landlord and Tenant have caused this Lease to be duly
executed, under seal, by persons hereunto duly authorized, as of the date first
set forth above.

LANDLORD:

200 WEST JACKSON OWNER LLC,
A DELAWARE LIMITED LIABILITY COMPANY

By: 200 West Jackson Manager LLC, a
    Delaware limited liability company,
    its Manager

By: MassMutual/Boston Capital Mezzanine
    Partners II, L.P., a Delaware limited
    partnership, its sole Member and
    Manager

By: Boston Mass II, LLC, a Delaware
    limited liability company, its
    General Partner

By: David L. Babson & Company Inc., a
    Massachusetts corporation, a Manager

By: /s/ ROBERT F. LITTLE
    ------------------------------------
Name: ROBERT F. LITTLE
Title: MANAGING DIRECTOR

By: Boston Capital Institutional
    Advisors LLC, a Delaware limited
    liability company, a Manager

By: /s/ KARL W. WELLER
    ------------------------------------
Name: KARL W. WELLER
Title: EXECUTIVE VICE PRESIDENT

TENANT:

AMERICAN PREPAID PROFESSIONAL SERVICES,
INC., A FLORIDA CORPORATION

By: /s/ BRUCE A. MITCHELL
    ------------------------------------
Name: BRUCE A. MITCHELL
Title: EX VP

                                       30

<PAGE>

                                    EXHIBIT A
                           LOCATION PLAN OF PREMISES

                                       A-1

<PAGE>

BUILDING:
200 WEST JACKSON BLVD.
CHICAGO ILLINOIS

                                  (FLOOR PLAN)

<PAGE>

                                    EXHIBIT B

                             SITE PLAN OF BUILDING

                             INTENTIONALLY OMITTED

                                       B-1

<PAGE>

                                    EXHIBIT C

                            COMMENCEMENT DATE LETTER

                              INTENTIONALLY OMITTED

                                       C-1

<PAGE>

                                    EXHIBIT D
                               OPERATING EXPENSES

     Operating Expenses shall include the following, without limitation:

     1. All expenses incurred by Landlord or Landlord's agents which shall be
directly related to employment of personnel at or below the level of property
manager or general manager, including amounts incurred for wages, salaries and
other compensation for services, payroll, social security, unemployment and
similar taxes, workmen's compensation insurance, disability benefits, pensions,
hospitalization, retirement plans and group insurance, uniforms and working
clothes and the cleaning thereof, and expenses imposed on Landlord or Landlord's
agents pursuant to any collective bargaining agreement for the services of
employees of Landlord or Landlord's agents in connection with the operation,
repair, maintenance, cleaning, management and protection of the Property,
including, without limitation, day and night supervisors, manager, accountants,
bookkeepers, janitors, carpenters, engineers, mechanics, electricians and
plumbers and personnel engaged in supervision of any of the persons mentioned
above; provided that, if any such employee is also employed on other property of
Landlord, such compensation shall be suitably prorated among the Property and
such other properties.

     2. The cost of services, utilities, materials and supplies furnished or
used in the operation, repair, maintenance, cleaning, management and protection
of the Property.

     3. The cost of replacements for tools and other similar equipment used in
the repair, maintenance, cleaning and protection of the Property, provided that,
in the case of any such equipment used jointly on other property of Landlord,
such costs shall be suitably prorated among the Property and such other
properties.

     4. Where the Property is managed by Landlord or an affiliate of Landlord, a
sum equal to the amounts customarily charged by management firms in the Greater
Chicago area for similar properties, but in no event more than three (3%) of
gross annual income for the first two years of the Term and thereafter, in no
event more than five percent (5%) of gross annual income, whether or not
actually paid, or where managed by other than Landlord or an affiliate thereof,
the amounts accrued for management, together with, in either case, amounts
accrued for legal and other professional fees relating to the Property, but
excluding such fees and commissions paid in connection with services rendered
for securing or renewing leases and for matters not related to the normal
administration and operation of the Property.

     5. Premiums for insurance against damage or loss to the Property from such
hazards as Landlord shall determine, including, but not by way of limitation,
insurance covering loss of rent attributable to any such hazards, and public
liability insurance.

     6. If, during the Term of this Lease, Landlord shall make a capital
expenditure, the total cost of which is not properly includable in Operating
Expenses for the Operating Year in which it was made, there shall nevertheless
be included in such Operating Expenses for the Operating Year in which it was
made and in Operating Expenses for each succeeding Operating Year the annual
charge-off of such capital expenditure. Annual charge-off shall be determined by
dividing the original capital expenditure plus an interest factor, reasonably
determined by Landlord, as being the interest rate then being charged for
long-term mortgages by institutional lenders on like properties within the
locality in which the Property is located, by the number of years of useful life
of the capital expenditure; and the useful life shall be determined reasonably
by Landlord in accordance with generally accepted accounting principles and
practices in effect at the time of making such expenditure.

     7. Costs for electricity, water and sewer use charges, gas and other
utilities supplied to the Property and not paid for directly by tenants.

     8. Betterment assessments, provided the same are apportioned equally over
the longest period permitted by law, and to the extent, if any, not included in
Taxes.

     9. Amounts paid to independent contractors for services, materials and
supplies furnished for the operation, repair, maintenance, cleaning and
protection of the Property.

                                       D-1

<PAGE>

Operating Expenses shall not include repairs or other work to the extent
Landlord is reimbursed by insurance or condemnation proceeds; leasing
commissions, advertising and other promotional expenditures, or costs of
renovating or improving space for a prospective tenant, other than ordinary
maintenance provided to all tenants of the Building; attorney's fees, costs and
disbursements and other expenses, all of which are incurred in connection with
negotiation or disputes with tenants, other occupants of the Building or
prospective tenants; Taxes (as defined in Section 8.1(a) of the Lease),
franchise, income or other taxes measured or based upon Landlord's income; costs
associated with the cure or correction of design or construction defects in
connection with the original construction of the Building; costs related to the
removal, cleaning, abatement or remediation of "hazardous materials" in or about
the Building or the Property, except to the extent such removal, cleaning,
abatement or remediation is related to the general repair and maintenance of the
Building or the Property; Landlord's costs of electricity and other services
sold separately to tenants for which Landlord is reimbursed as an additional
charge over and above base rent; depreciation, amortization and interest (except
to the extent such interest is amortized as set forth in item 6. above);
organizational expenses associated with the creation and operation of the entity
which constitutes Landlord; fines, costs, penalties or interest resulting from
the adjudicated negligence or willful misconduct or violation of any
governmental law or ordinance by Landlord; capital expenditures except as set
forth above; or costs with respect to acquisition of major art work, paintings,
sculptures, antiques or other objects of art or other furnishings of an unusual
nature or extraordinary value.

                                       D-2

<PAGE>

                                    EXHIBIT E
                        RULES AND REGULATIONS OF BUILDING

          The following regulations are generally applicable:

     1. The public sidewalks, entrances, passages, courts, elevators,
vestibules, stairways, corridors or halls shall not be obstructed or encumbered
by Tenant (except as necessary for deliveries) or used for any purpose other
than ingress and egress to and from the Premises.

     2. No awnings, curtains, blinds, shades, screens or other projections shall
be attached to or hung in, or used in connection with, any window of the
Premises or any outside wall of the Building, unless previously approved in
writing by Landlord. Such awnings, curtains, blinds, shades, screens or other
projections must be of a quality, type, design and color, and attached in the
manner, approved by Landlord.

     3. No show cases or other articles shall be put in front of or affixed to
any part of the exterior of the Building, nor, if the Building is occupied by
more than one tenant, displayed through interior windows into the atrium of the
Building, nor placed in the halls, corridors or vestibules, provided that show
cases or articles may be displayed through interior windows into the atrium of
the Building (if any) with Landlord's prior written approval, such approval not
to be unreasonably withheld or delayed so long as such display does not adverse
affect the aesthetic integrity of the Building.

     4. The water and wash closets and other plumbing fixtures shall not be used
for any purposes other than those for which they were designed and constructed,
and no sweepings, rubbish, rags, acids or like substances shall be deposited
therein. All damages resulting from any misuse of the fixtures shall be borne by
the Tenant.

     5. Tenant shall not use the Premises or any part thereof or permit the
Premises or any part thereof to be used as a public employment bureau or for the
sale of property of any kind at auction, except in connection with Tenant's
business.

     6. Tenant must, upon the termination of its tenancy, return to the Landlord
all locks, cylinders and keys to offices and toilet rooms of the Premises.

     7. Landlord reserves the right to exclude from the Building after business
hours and at all hours on days other than Business Days all persons connected
with or calling upon the Tenant who do not present a pass to the Building signed
by the Tenant or who are not escorted in the Building by an employee of Tenant.
Tenant shall be responsible for all persons for whom it issues any such pass and
shall be liable to the Landlord for all wrongful acts of such persons.

     8. The requirements of Tenant will be attended to only upon application at
the Building Management Office. Employees of Landlord shall not perform any work
or do anything outside of their regular duties, unless under special
instructions from the office of the Landlord.

     9. There shall not be used in any space in the Building, or in the public
halls of the Building, either by Tenant or by jobbers or others, in the delivery
or receipt of merchandise, any hand trucks, except those equipped with rubber
tires and side guards.

     10. No bicycles, vehicles or animals of any kind shall be brought into or
kept in or about the Premises, except for seeing eye dogs.

     11. No tenant shall make, or permit to be made, any unseemly or disturbing
noises or disturb or interfere with occupants of this or any neighboring
building or premises or those having business with them whether by use of any
musical instrument, radio, talking machine, unmusical noise, or in any other
way. No tenant shall throw anything out of the doors, windows or skylights or
down the passageways.

     12. The Premises shall not be used for lodging or sleeping or for any
immoral or illegal purpose.

                                       E-1

<PAGE>

     13. No smoking shall be permitted in the Premises or the Building. Smoking
shall only be permitted in smoking areas outside of the Building which have been
designated by the Landlord.

     14. Landlord shall have the right, exercisable without notice and without
liability to any tenant, to change the name and street address of the Building.

     15. Tenant shall not use the name of the Building for any purpose other
than Tenant's business address; Tenant shall not use the name of the Building
for Tenant's business address after Tenant vacates the Premises; nor shall
Tenant use any picture or likeness of the Building in any circulars, notices,
advertisements or correspondence.

     16. No article which is explosive or inherently dangerous is allowed in the
Building.

     17. Tenant shall not represent itself as being associated with any company
or corporation by which the Building may be known.

     18. Room-to-room canvasses to solicit business from other tenants of the
Building are not permitted; Tenant shall not advertise the business, profession
or activities of Tenant conducted in the Building in any manner which violates
any code of ethics by any recognized association or organization pertaining to
such business, profession or activities.

     19. Tenant shall not waste electricity, water or air-conditioning and shall
cooperate fully with Landlord to assure the most effective and efficient
operation of the Building's heating and air-conditioning systems.

     20. No locks or similar devices shall be attached to any door except by
Landlord and Landlord shall have the right to retain a key to all such locks.
Tenant may not install any locks without Landlord's prior approval, which
approval shall not be unreasonably withheld.

     21. Except with the prior approval of Landlord, all cleaning, repairing,
janitorial, decorating, painting or other services and work in and about the
Premises shall be done only by authorized Building personnel.

     21. To the extent permitted by law, Tenant shall not cause or permit
picketing or other activity which would interfere with the business of Landlord
or any other tenant or occupant of the Building, or distribution of written
materials involving its employees in or about the Building, except in those
locations and subject to time and other limitations as to which Landlord may
give prior written consent.

     22. Tenant shall not cook, otherwise prepare or sell any food or beverages
in or from the Premises or use the Premises for housing accommodations or
lodging or sleeping purposes except that Tenant may install and maintain vending
machines, coffee/beverage stations and food warming equipment and eating
facilities for the benefit of its employees or guests, provide the same are
maintained in compliance with applicable laws and regulations and do not disturb
other tenants in the Building with odor, refuse or pests.

     23. Tenant shall not permit the use of any apparatus for sound production
or transmission in such manner that the sound so transmitted or produced shall
be audible or vibrations therefrom shall be detectable beyond the Premises; nor
permit objectionable odors or vapors to emanate from the Premises.

     24. No floor covering shall be affixed to any floor in the Premises by
means of glue or other adhesive without Landlord's prior written consent not to
be unreasonably withheld.

     25. Tenant shall only use the freight elevator for mail carts, dollies and
other similar devices for delivering material between floors that Tenant may
occupy.

     26. The rules and regulations set forth in Attachment I to this Exhibit,
which is by this reference made a part hereof, are applicable to any Alterations
being undertaken by or for Tenant in the Premises pursuant to Section 5.2 of the
Lease.

                                      E-2

<PAGE>

                            ATTACHMENT I TO EXHIBIT E
                  RULES AND REGULATIONS FOR TENANT ALTERATIONS

A. General

     1. All Alterations made by Tenant in, to or about the Premises shall be
made in accordance with the requirements of this Exhibit and by contractors or
mechanics approved by Landlord.

     2. Tenant shall, prior to the commencement of any work, submit for
Landlord's written approval, complete plans for the Alterations, with full
details and specifications for all of the Alterations, in compliance with
Section D below.

     3. Alterations must comply with the Building Code applicable to the
Property and the requirements, rules and regulations and any other governmental
agencies having jurisdiction.

     4. No work shall be permitted to commence before Tenant obtains and
furnishes to Landlord copies of all necessary licenses and permits from all
governmental authorities having jurisdiction.

     5. All demolition, removals or other categories of work that may
inconvenience other tenants or disturb Building operations, must be scheduled
and performed before or after normal business hours, and Tenant shall provide
Landlord with at least 24 hours' notice prior to proceeding with such work.

     6. All inquiries, submissions, approvals and all other matters shall be
processed through Landlord's property manager.

     7. All work, if performed by a contractor or subcontractor, shall be
subject to reasonable supervision and inspection by Landlord's representative.
Such supervision and inspection shall be at Tenant's sole expense and Tenant
shall pay Landlord's reasonable charges for such supervision and inspection (in
an amount not to exceed 5% of the hard construction costs of such work) as
Additional Rent within thirty (30) days after receiving Landlord's invoice
therefor.

 B. Prior to Commencement of Work

     1. Tenant shall submit to the Building manager a request to perform the
work. The request shall include the following enclosures:

          (i)  A list of Tenant's contractors and/or subcontractors for
               Landlord's approval.

          (ii) Four complete sets of plans and specifications properly stamped
               by a registered architect or professional engineer.

          (iii) A properly executed building permit application form.

          (iv) Four executed copies of the Insurance Requirements Agreement in
               the form attached to this Exhibit as Attachment II and made a
               part hereof from Tenant's contractor and, if requested by
               Landlord, from the contractor's subcontractors.

          (v)  Contractor's and subcontractor's insurance certificates,
               including an indemnity in accordance with the Insurance
               Requirements Agreement.

     2. Landlord will return the following to Tenant:

          (i)  Two sets of plans approved or a disapproved with specific
               comments as to the reasons therefor (such approval or comments
               shall not constitute a waiver of approval of governmental
               authorities).

                                      E-3

<PAGE>

          (ii) Two fully executed copies of the Insurance Requirements
               Agreement.

     3. Landlord's approval of the plans, drawings, specifications or other
submissions in respect of any Alterations shall create no liability or
responsibility on the part of Landlord for their completeness, design
sufficiency or compliance with requirements of any applicable laws, rules or
regulations of any governmental or quasi-governmental agency, board or
authority.

     4. Tenant shall obtain a building permit from the Building Department and
necessary permits from other governmental agencies. Tenant shall be responsible
for keeping current all permits. Tenant shall submit copies of all approved
plans and permits to Landlord and shall post the original permit on the Premises
prior to the commencement of any work.

C. Requirements and Procedures

     1. All structural and floor loading requirements shall be subject to the
prior approval of Landlord's structural engineer.

     2. All mechanical (HVAC, plumbing and sprinkler) and electrical
requirements shall be subject to the approval of Landlord's mechanical and
electrical engineers and all mechanical and electrical work shall be performed
by contractors who are engaged by Landlord in constructing, operating or
maintaining the Building. When necessary, Landlord will require engineering and
shop drawings, which drawings must be approved by Landlord before work is
started. Drawings are to be prepared by Tenant and all approvals shall be
obtained by Tenant.

     3. Elevator service for construction work shall be charged to Tenant at
standard Building rates after normal business hours. Prior arrangements for
elevator use shall be made with Building manager by Tenant. No material or
equipment shall be carried under or on top of elevators. If an operating
engineer is required by any union regulations, such engineer shall be paid for
by Tenant after normal business hours.

     4. If shutdown of risers and mains for electrical, HVAC, sprinkler and
plumbing work is required, such work shall be supervised by Landlord's
representative. No work will be performed in Building mechanical equipment rooms
without Landlord's approval and under Landlord's supervision.

     5. Tenant's contractor shall:

          (i)  have a superintendent or foreman on the Premises at all times;

          (ii) police the job at all times, continually keeping the Premises
               orderly;

          (iii) maintain cleanliness and protection of all areas, including
               elevators and lobbies.

          (iv) protect the front and top of all peripheral HVAC units and
               thoroughly clean them at the completion of work;

          (v)  block off supply and return grills, diffusers and ducts to keep
               dust from entering into the Building air conditioning system; and

          (vi) avoid the disturbance of other tenants.

     6. If Tenant's contractor is negligent in any of its responsibilities,
Tenant shall be charged for corrective work.

     7. All equipment and installations must be equal to the standards generally
in effect with respect to the remainder of the Building. Any deviation from such
standards will be permitted only if indicated or specified on the plans and
specifications and approved by Landlord.

                                      E-4

<PAGE>

     8. A properly executed air balancing report signed by a professional
engineer shall be submitted to Landlord upon the completion of all HVAC work.

     9. Upon completion of the Alterations, Tenant shall submit to Landlord a
permanent certificate of occupancy and final approval by the other governmental
agencies having jurisdiction.

     10. Tenant shall submit to Landlord a final "as-built" set of drawings
showing all items of the Alterations in full detail.

     11. Additional and differing provisions in the Lease, if any, will be
applicable and will take precedence.

D. Standards for Plans and Specifications.

     Whenever Tenant shall be required by the terms of the Lease (including this
Exhibit) to submit plans to Landlord in connection with any Alterations, such
plans shall include at least the following:

     1. Floor plan indicating location of partitions and doors (details required
of partition and door types).

     2. Location of standard electrical convenience outlets and telephone
outlets.

     3. Location and details of special electrical outlets; e.g., photocopiers,
etc.

     4. Reflected ceiling plan showing layout of standard ceiling and lighting
fixtures. Partitions to be shown lightly with switches located indicating
fixtures to be controlled.

     5. Locations and details of special ceiling conditions, lighting fixtures,
speakers, etc.

     6. Location and specifications of floor-covering, paint or paneling with
paint colors referenced to standard color system.

     7. Finish schedule plan indicating wall covering, paint, or paneling with
paint colors referenced to standard color system.

     8. Details and specifications of special millwork, glass partitions,
rolling doors and grilles, blackboards, shelves, etc.

     9. Hardware schedule indicating door number keyed to plan, size, hardware
required including butts, latchsets or locksets, closures, stops, and any
special items such as thresholds, soundproofing, etc. Keying schedule is
required.

     10. Verified dimensions of all built-in equipment (file cabinets, lockers,
plan files, etc.)

     11. Location and weights of storage files.

     12. Location of any special soundproofing requirements.

     13. Location and details of special floor areas exceeding 50 pounds of live
load per square foot.

     14. All structural, mechanical, plumbing and electrical drawings, to be
prepared by the base building consulting engineers, necessary to complete the
Premises in accordance with Tenant's Plans.

     15. All drawings to be uniform size (30" x 46") and shall incorporate the
standard project electrical and plumbing symbols and be at a scale of 1/8" = 1'
or larger.

     16. All drawings shall be stamped by an architect (or, where applicable, an
engineer) licensed in the jurisdiction in which the Property is located and
without limiting

                                      E-5

<PAGE>

the foregoing, shall be sufficient in all respects for submission to applicable
authorization in connection with a building permit application.

                                      E-6

<PAGE>

                           ATTACHMENT II TO EXHIBIT E
                       CONTRACTOR'S INSURANCE REQUIREMENTS

Building: 200 West Jackson Street; Chicago, Illinois

Landlord: 200 West Jackson Owner, LLC

Tenant:   American Prepaid Professional Services, Inc.

Premises: Suite 900 on the 9th floor of the Building

The undersigned contractor or subcontractor ("CONTRACTOR") has been hired by the
tenant named above (hereinafter called "TENANT") of the Building named above (or
by Tenant's contractor) to perform certain work ("WORK") for Tenant in the
Premises identified above. Contractor and Tenant have requested the landlord
named above ("LANDLORD") to grant Contractor access to the Building and its
facilities in connection with the performance of the Work, and Landlord agrees
to grant such access to Contractor upon and subject to the following terms and
conditions:

     1. Contractor agrees to indemnify and save harmless Landlord and its
respective officers, employees and agents and their affiliates, subsidiaries and
partners, and each of them, from and with respect to any claims, demands, suits,
liabilities, losses and expenses, including reasonable attorneys' fees, arising
out of or in connection with the Work (and/or imposed by law upon any or all of
them) because of personal injuries, bodily injury (including death at any time
resulting therefrom) and loss of or damage to property, including consequential
damages, whether such injuries to person or property are claimed to be due to
negligence of the Contractor, Tenant, Landlord or any other party entitled to be
indemnified as aforesaid except to the extent specifically prohibited by law
(and any such prohibition shall not void this Agreement but shall be applied
only to the minimum extent required by law).

     2. Contractor shall provide and maintain at its own expense, until
completion of the Work, the following insurance:

          (a) Workmen's Compensation and Employers, Liability Insurance covering
each and every workman employed in, about or upon the Work, as provided for in
each and every statute applicable to Workmen's Compensation and Employers'
Liability Insurance.

          (b) Comprehensive General Liability Insurance including coverages for
Protective and Contractual Liability (to specifically include coverage for the
indemnification clause of this Agreement) for not less than the following
limits:

          Personal Injury:
          $3,000,000 per person
          $10,000,000 per
          occurrence

          Property Damage:
          $3,000,000 per occurrence $3,000,000 aggregate

          (c) Comprehensive Automobile Liability Insurance (covering all owned,
non-owned and/or hired motor vehicles to be used in connection with the Work)
for not less than the following limits:

          Bodily Injury:
          $1,000,000 per person
          $1,000,000 per occurrence

          Property Damage:
          $1,000,000 per occurrence

     Contractor shall furnish a certificate from its insurance carrier or
carriers to the Building office before commencing the Work, showing that it has
complied with the above requirements regarding insurance and providing that the
insurer will give Landlord ten (10) days' prior written notice of the
cancellation of any of the foregoing policies.

                                      E-7

<PAGE>

     3. Contractor shall require all of its subcontractors engaged in the Work
to provide the following insurance:

          (a) Comprehensive General Liability Insurance including Protective and
Contractual Liability coverages with limits of liability at least equal to the
limits stated in paragraph 2(b).

          (b) Comprehensive Automobile Liability Insurance (covering all owned,
non-owned and/or hired motor vehicles to be used in connection with the Work)
with limits of liability at least equal to the limits stated in paragraph 2(c).

     Upon the request of Landlord, Contractor shall require all of its
subcontractors engaged in the Work to execute an Insurance Requirements
agreement in the same form as this Agreement.

     Agreed to and executed this day of ______, 20__.

                                        Contractor:

                                        By:
                                            ------------------------------------

                                        By:
                                            ------------------------------------

                                        By:
                                            ------------------------------------

                                      E-8

<PAGE>

                                    EXHIBIT F
                                   WORKLETTER

     1. ACCEPTANCE OF PREMISES; WORKLETTER. Tenant accepts the Premises in "as
is" condition. The performance by Tenant of the construction of the initial
Tenant Alterations and the payment by Landlord of Landlord's Contribution shall
be governed by the terms of this workletter ("WORKLETTER") and the Lease.

     2. SPACE PLANS.

          (a) PREPARATION AND DELIVERY. Tenant shall deliver to Landlord a space
     plan prepared by a design consultant reasonably acceptable to Landlord (the
     "ARCHITECT") depicting improvements to be installed in the Premises (the
     "SPACE PLANS").

          (b) APPROVAL PROCESS. Landlord shall notify Tenant in writing whether
     it approves of the submitted Space Plans within five (5) days after
     Tenant's submission thereof. If Landlord disapproves of such Space Plans,
     then Landlord shall notify Tenant thereof specifying in reasonable detail
     the reasons for such disapproval, in which case Tenant shall, within five
     (5) Business Days after such notice, revise such Space Plans in accordance
     with Landlord's objections and submit to Landlord for its review and
     approval. Landlord shall notify Tenant in writing whether it approves of
     the resubmitted Space Plans within three (3) Business Days after its
     receipt thereof. This process shall be repeated until the Space Plans have
     been finally approved by Landlord and Tenant.

     3. WORKING DRAWINGS.

          (a) PREPARATION AND DELIVERY. Tenant shall provide to Landlord for its
     approval final working drawings, prepared by the Architect, of all
     improvements that Tenant proposes to install in the Premises as part of the
     Work (as hereinafter defined); such working drawings shall include the
     partition layout, ceiling plan, electrical outlets and switches, telephone
     outlets, drawings for any modifications to the mechanical and plumbing
     systems of the Building, and detailed plans and specifications for the
     construction of the improvements called for under this Workletter in
     accordance with all applicable Laws.

          (b) APPROVAL PROCESS. Landlord shall notify Tenant in writing whether
     it approves of the submitted working drawings within five (5) Business Days
     after Tenant's submission thereof. If Landlord disapproves of such working
     drawings, then Landlord shall notify Tenant in writing thereof specifying
     in reasonable detail the reasons for such disapproval, in which case Tenant
     shall, within five (5) Business Days after such notice, revise such working
     drawings in accordance with Landlord's objections and submit the revised
     working drawings to Landlord for its review and approval. Landlord shall
     notify Tenant in writing whether it approves of the resubmitted working
     drawings within five (5) Business Days after its receipt thereof. This
     process shall be repeated until the working drawings have been finally
     approved by Tenant and Landlord.

     4. LANDLORD'S APPROVAL; PERFORMANCE OF WORK. If any of Tenant's proposed
construction work will affect the Building's structure or systems of the
Building, including but not limited to electrical, mechanical life safety and
HVAC (collectively, "Building's Systems"), then the working drawings pertaining
thereto must be approved by Landlord's engineer. Landlord's approval of such
working drawings shall not be unreasonably withheld, delayed or conditioned,
provided that (1) they comply with all laws, (2) the improvements depicted
thereon do not adversely affect (in the reasonable discretion of Landlord) the
Building's structure or the Building's Systems (including the Building's
restrooms or mechanical rooms), the exterior appearance of the Building, or the
appearance of the Building's Common Facilities, (3) such working drawings are
sufficiently detailed to allow construction of the improvements in a good and
workmanlike manner, and (4) the improvements depicted thereon conform to the
rules and regulations promulgated from time to time by Landlord for the
construction of Tenant Alterations. As used herein, "WORKING DRAWINGS" shall
mean the final working drawings approved by Landlord, as amended from time to
time by any approved changes thereto, and

                                       F-1

<PAGE>

"WORK" shall mean all improvements to be constructed in accordance with and as
indicated on the Working Drawings, together with any work required by
governmental authorities to be made to other areas of the Building as a result
of the improvements indicated by the Working Drawings. Landlord's approval of
the Working Drawings shall not be a representation or warranty of Landlord that
such drawings are adequate for any use or comply with any Law, but shall merely
be the consent of Landlord thereto. After the Working Drawings have been
approved, and Tenant has complied with all the terms and conditions set forth
herein and the insurance requirements attached to this Workletter, Tenant shall
cause the Work to be performed substantially in accordance with the Working
Drawings and the provisions of SECTION 5.2 of the Lease and the Rules and
Regulations for Tenant Alterations promulgated by Landlord from time to time,
except to the extent such provisions are inconsistent with this Workletter.
Tenant shall have the right to competitively bid the Work; provided, however,
the contractors and subcontractors shall be subject to Landlord's reasonable
approval.

     5. CHANGE ORDERS. Tenant may initiate changes in the Work. Each such change
must receive the prior written approval of Landlord, such approval not to be
unreasonably withheld, delayed or conditioned; however, if such requested change
would adversely affect (in the reasonable discretion of Landlord) (a) the
Building's structure or the Building's Systems (including the Building's
restrooms or mechanical rooms), (b) the exterior appearance of the Building, or
(c) the appearance of the Building's Common Facilities, Landlord may withhold
its consent in its sole and absolute discretion. Tenant shall, upon completion
of the Work, furnish Landlord with an accurate architectural "as-built" plan of
the Work as constructed, which plan shall be incorporated into this Workletter
by this reference for all purposes.

     6. EXCESS COSTS. The entire cost of performing the Work (including design
of the Work and preparation of the Working Drawings, architectural fees and
expenses, costs of construction labor and materials, electrical usage during
construction, additional janitorial services, general tenant signage, related
taxes and insurance costs, and the construction supervision fee referenced in
SECTION 7 of this Workletter, all of which costs are herein collectively called
the "TOTAL CONSTRUCTION COSTS") in excess of the Landlord's Contribution
{hereinafter defined) shall be paid by Tenant. Tenant shall not be charged by
Landlord for hoisting, security or elevator operator service during normal
business hours.

     7. LANDLORD'S CONTRIBUTION. Landlord shall provide to Tenant a construction
allowance (the "Landlord's Contribution") in the amount of $380,358.00 (i.e.,
$22.00 per square foot in the Premises). Landlord shall disburse up to
$207,468.00 (i.e. $12.00 per square foot in the Premises) of the Landlord's
Contribution within thirty (30) days following Tenant's request therefor, at any
time following the full execution and delivery of this Lease by all parties.
Additionally, up to $172,890.00 (i.e. $10.00 per square foot in the Premises),
being the balance of the Landlord's Contribution, shall be paid to the general
contractor and architect in period disbursements, within 20 days following
receipt by Landlord of each of the following with respect to the portion of the
Work reflected in each disbursement: (1) receipted bills covering all labor and
materials expended and used in such portion of the Work; (2) a sworn
contractor's affidavit from the construction manager and a request to disburse
from Tenant; (3) contractor's, subcontractor's, and materials supplier's lien
waivers for such portion of the Work; and (4) the certification of Tenant and
its architect that such portion of the Work has been completed in a good and
workmanlike manner in accordance with approved plans, and in accordance with
applicable Laws. Such portion of the Landlord's Contribution shall be disbursed
in the amount reflected on the receipted bills meeting the requirements above.
Prior to the final disbursement of the Landlord's Contribution, Tenant shall
provide Landlord with full and final lien waivers for all Work, and Tenant shall
provide Landlord with as-built plans of the Work within 90 days after completion
of the Work. Tenant shall reimburse Landlord for the reasonable actual costs or
expenses actually incurred by Landlord, if any, for third party review of
Tenant's Space Plans, Working Drawings or the Work within thirty (30) days
following Landlord's demand therefor. Notwithstanding anything herein to the
contrary, Landlord shall not be obligated to disburse any portion of the
Landlord's Contribution during the continuance of an uncured Event of Default
under the Lease, and Landlord's obligation to disburse shall only resume when
and if such Event of Default is cured. The Landlord's Contribution must be used
within twelve (12) months following the Commencement Date or shall be deemed
forfeited with no further obligation by Landlord with respect thereto.

                                                                      (initials)

                                       F-2

<PAGE>

     8. CONSTRUCTION REPRESENTATIVES. Landlord's Construction Representative and
Tenant's Construction Representative for coordination of construction and
approval of the Tenant Alterations and any change orders will be as set forth in
SECTION 1.1 of the Lease, provided that either party may change its
representative upon written notice to the other.

                                                                      (initials)

                                      F-3

<PAGE>

                                    EXHIBIT G
                              ADDITIONAL PROVISIONS

I.   EXTENSION OPTION.

     A. Landlord hereby grants to Tenant an option to extend the Term of this
Lease ("Extension Option") on terms, conditions and provisions to be negotiated
by Landlord and Tenant for one (1) period of five (5) years (the "Extension
Period"), which Extension Period shall commence on the date immediately
following the last day of the initial Term.

     B. Tenant's Extension Option shall be exercisable by written notice
("Tenant's Extension Notice") from Tenant to Landlord given no later than twelve
(12) months prior to the expiration of the initial Term, time being of the
essence. If not so exercised, Tenant's Extension Option shall thereupon expire.

     C. The Basic Rent during the Extension Period shall equal the "Fair Market
Rental Rate" as hereinafter defined. Tenant shall continue to pay Escalation
Charges for the Premises during the Extension Period in accordance with the
terms of this Lease. For purposes of this Lease, the "Fair Market Rental Rate"
shall mean the rent at which the Premises would be leased for the extension of
the Term, in its then-existing condition, in an arms-length transaction between
a willing landlord and tenant in the office space market existing in the West
Loop area of downtown Chicago, Illinois (taking into account the location of the
Building in such submarket) on the applicable date, taking into account all
relevant facts and considerations, including base rents, rent escalations, rent
abatements, allowances (such as tenant improvements, space planning, working
drawing and moving allowances), commissions, operating expenses, real estate
taxes and other economic terms contained in recently signed leases for premises
of similar size, location and configuration in comparable buildings in the such
submarket (taking into account the location of the Building in such submarket).
The Landlord and Tenant hereby agree that the creditworthiness of tenants shall
be a relevant factor in determining Fair Market Rental Rate hereunder. Landlord
and Tenant shall negotiate the Basic Rent and Escalation Charges for the
Premises applicable to the Extension Period in good faith for a period of thirty
(30) days following Landlord's receipt of Tenant's Extension Notice. If Landlord
and Tenant are unable to agree in writing within said thirty (30) day period, on
the Basic Rent and Escalation Charges for the Premises payable during the
Extension Period, either party, by delivery of written notice (an "ARBITRATION
NOTICE") to the other within ten (10) days following the expiration of the
aforesaid thirty (30) day period, shall have the right to cause the Basic Rent
and Escalation Charges to be determined by arbitration pursuant to Paragraph F.
below. In the event neither party timely delivers an Arbitration Notice,
Tenant's Extension Option shall be null and void and of no force or effect.

     D. Tenant may only exercise its Extension Option and an exercise thereof
shall only be effective, if at the time of Tenant's exercise of the Extension
Option and on the commencement date of the Extension Period, this Lease is in
full force and effect and no event or circumstance exists which, with the giving
of notice or the passage of time, or both, could constitute a default by Tenant
under this Lease, and, inasmuch as the Extension Option is intended only for the
original Tenant named in this Lease, at least one full floor in the Building is
then occupied by the original Tenant herein, and Tenant has not assigned this
Lease. Without limitation of the foregoing, no sublessee or assignee shall be
entitled to exercise the Extension Option.

     E. Upon the agreement by Landlord and Tenant as to the terms, conditions
and provisions applicable to the Extension Period, at the request of either
party hereto and within thirty (30) days after such request, Landlord and Tenant
shall enter into a written amendment to this Lease confirming the terms,
conditions and provisions applicable to the Extension Period as determined in
accordance with the provisions of this Section I, with such revisions to the
Basic Rent and Escalation Charges provisions of this Lease as may be necessary.

     F. If either party timely delivers an Arbitration Notice to the other,
within five (5) business days following delivery of the Arbitration Notice,
Landlord and Tenant shall each simultaneously submit to each other in a sealed
envelope its good faith estimate of the Fair Market Rental Rate. If the higher
of such estimate is not more than one hundred five percent

                                      G-1

<PAGE>

(105%) of the lower of such estimates, then the Fair Market Rental Rate shall
be the mean average of the two estimates.

     If Landlord and Tenant are unable to resolve the determination of the Fair
Market Rental Rate by exchange of estimates, then within five (5) business days
after the exchange of estimates, each of the parties shall select an appraiser.
If the two appraisers are unable to agree upon either the Landlord's or the
Tenant's estimate of the Fair Market Rental Rate within fifteen (15) days after
the appointment of fee second appraiser, the two appraisers shall jointly
nominate and appoint a third appraiser within fifteen (15) days after the
expiration of the previous fifteen (15) day period and give written notice of
such appointment to both parties. Once the appraisers have been selected as
provided above, then, as soon as thereafter as practicable, but in any case
within thirty (30) days, the appraisers shall select one of the two estimates of
the Fair Market Rental Rate submitted by Landlord and Tenant, and the estimate
so selected by a majority of the appraisers shall be the Fair Market Rental Rate
for the Extension Period. The decision of the appraisers of the Fair Market
Rental Rate shall be submitted in writing to, and be final and binding on,
Landlord and Tenant. Each appraiser shall afford both parties a hearing and the
right to submit evidence, with the privilege of cross examination in connection
with its determination of the Fair Market Rental Rate. In the event any
appraiser appointed as aforesaid shall die or become unable or unwilling to act
before completion of the appraisal, such appraiser's successor shall be
appointed in the same manner as provided above. Any appraiser appointed
hereunder shall (i) be independent of both parties (and of all persons and
entities with an interest in either party); (ii) have not less than five (5)
years' experience in the appraisal of real property in the Chicago metropolitan
area; and (iii) hold the professional designation M.A.I. or if the designation
M.A.I. ceases to exist, a comparable designation from an equivalent professional
appraiser organization. All appraisal fees and expenses shall be borne equally
by the parties.

II.  RIGHT OF FIRST OFFER

     Landlord hereby grants to Tenant the continuous right of first offer to
lease any and all space located on the 8th or 10th floors of the Building (each
such space referred to herein as an "Offer Space") on the terms and conditions
hereinafter set forth:

     A. Prior to offering the Offer Space to the public for lease, Landlord
shall give Tenant written notice (an "Offer Notice") of the date of commencement
of the term of the demise (the "Offer Space Commencement Date"), the location
and square footage thereof, and the rental rate and other economic terms
applicable to such Offer Space, which shall be at the Fair Market Rental Rate as
defined in Section C below as reasonably determined by Landlord. The Offer Space
Commencement Date shall not be less than ninety (90) days after the date on
which Landlord and Tenant execute an amendment documenting the demise of the
Offer Space, which amendment shall be fully executed and delivered within
forty-five (45) days after the Offer Notice is given by Landlord.

     B. Tenant's right to lease the Offer Space from Landlord shall be
exercisable by written notice from Tenant to Landlord of Tenant's election to
exercise said right given not later than five (5) business days after Landlord's
Offer Notice is given, time being of the essence. Tenant may not elect to lease
less than the entire area of Offer Space described in Landlord's Offer Notice.
If Tenant does not timely exercise its option to lease the entire Offer Space,
Tenant's right to lease the Offer Space shall thereupon expire and Landlord
shall have the right to lease the Offer Space to a third party; provided,
however, in the event Landlord does not enter into a new lease with a third
party for the Offer Space within twenty-four (24) months following the date
Landlord's Office Notice is given, Tenant shall once again have a right of first
offer with respect to such Offer Space on such terms and otherwise as set forth
in this SECTION II.

     C. The Basic Rent for the Offer Space shall equal the "Fair Market Rental
Rate" as hereinafter defined and Tenant shall to pay Escalation Charges for the
Offer Space on the terms set forth in this Lease. For purposes of determining
Rent for the Offer Space, the "Fair Market Rental Rate" shall mean the rent at
which the Offer Space would be leased for the term set forth in the Offer
Notice, in its then-existing condition, in an arms-length transaction between a
willing landlord, and tenant in the office space market existing in the West
Loop area of downtown Chicago, Illinois (taking into account the location of the
Building in such submarket) on the applicable date, taking into account all
relevant facts and considerations, including base rents, rent escalations, rent
abatements, allowances (such as tenant improvements, space

                                      G-2

<PAGE>

planning, working drawing and moving allowances), commissions, operating
expenses, real estate taxes and other economic terms contained in recently
signed leases for premises of similar size, location and configuration in
comparable buildings in the such submarket (taking into account the location of
the Building in such submarket). The Landlord and Tenant hereby agree that the
creditworthiness of tenants shall be a relevant factor in determining Fair
Market Rental Rate hereunder.

     D. Tenant may only exercise its right to lease the Offer Space, and an
exercise thereof shall only be effective, if at the time of Tenant's exercise of
said right and on the Offer Space Commencement Date, this Lease is in full force
and effect and Tenant is not in default under this Lease and (inasmuch as such
options are intended only for the benefit of the original named Tenant), the
entire Premises is occupied by the original named Tenant. In addition to the
condition set forth in the first sentence of this subparagraph (D), if Tenant is
in default under this Lease within thirty (30) days prior to the Offer Space
Commencement Date, and has not cured such default prior to said Offer Space
Commencement Date, then, at Landlord's option, Tenant's right to exercise its
option may be terminated and rendered null and void by notice thereof from
Landlord to Tenant. No sublessee or assignee shall be entitled to exercise such
option.

     E. If Tenant has validly exercised its right to lease the Offer Space,
then, effective as of the Offer Space Commencement Date, such Offer Space shall
be included in the Premises, subject to all of the terms, conditions and
provisions of this Lease, except as follows:

               (i) The Premises Rentable Area shall be increased by the rentable
          area of the Offer Space, and Tenant's Proportionate Share shall be
          increased in a corresponding manner;

               (ii) The term of the demise covering such Offer Space shall
          commence on the Offer Space Commencement Date and shall expire on the
          date set forth in the Offer Notice;

               (iii) The monthly Basic Rent for such Offer Space shall be at the
          rental rate set forth in the Offer Notice;

               (iv) Such other terms shall be included as are reasonably
          required to conform to the terms upon which Landlord was prepared to
          lease the Offer Space to a third party; and

               (v) Landlord shall perform and/or pay the cost of tenant
          improvements in the Offer Space to the same extent as described in
          the Offer Notice.

     F. If Tenant has validly exercised its right to lease the Offer Space, at
the request of either party hereto, Landlord and Tenant shall enter into a
written amendment to this Lease confirming the terms, conditions and provisions
applicable to such Offer Space as determined in accordance herewith.

     G. If Landlord should be unable on the Offer Space Commencement Date to
deliver possession of all or any portion of the Offer Space to be delivered on
such Offer Space Commencement Date despite Landlord's exercise of good faith and
reasonable efforts to do so, Landlord shall not be subject to any liability for
failure to deliver possession. Such failure to deliver possession shall not
affect either the validity of this Lease or the obligations of either Landlord
or Tenant hereunder or be construed to extend the expiration of the Term of this
Lease either as to such Offer Space or the balance of the Premises; provided,
however, that under such circumstances, Rent shall not commence as to such Offer
Space until Landlord is able to deliver possession, and Tenant shall
nevertheless have the right to rescend its exercise its right to lease the Offer
Space if Landlord is unable to deliver possession of all or any portion of the
Offer Space on the date which is 120 days after the original Office Space
Commencement Date, subject to extension for events of force majeure and delays
caused by Tenant.

     H. Tenant's right of first offer is expressly subject and subordinate to
the expansion and renewal rights now or hereafter existing of other tenants in
the Building to lease the Offer Space.

                                      G-3

<PAGE>

III. STORAGE SPACE

     At Tenant's request and to the extent available (as determined by Landlord
in its sole discretion), in addition to the office portion of the Premises,
Landlord shall lease to Tenant storage space (the "Storage Space") of a size and
in an area in the Building designated by Landlord and reasonably acceptable to
Tenant. Landlord shall have the right, by delivery of 60 days prior written
notice, to relocate Tenant's Storage Space to other storage space in the
Building of comparable size, utility and access to the original Storage Space.
If Tenant leases the Storage Space from Landlord, the Storage Space shall
constitute part of the Premises; provided, however, Landlord shall not be
obligated to furnish any Building services with respect to the Storage Space
other than freight elevator service in common with other tenants in the Building
on a first come, first served basis, and Building standard electric lighting,
and Tenant shall accept the Storage Space in its "as is" condition. Throughout
the initial Term, Tenant shall pay Basic Rent for the Storage Space on a monthly
basis at the annual rate of $20.00 per square foot, and Tenant shall not be
obligated to pay Escalation Charges with respect to the Storage Space.

                                      G-4

<PAGE>

                                    EXHIBIT H
                             CLEANING SPECIFICATIONS

<TABLE>
<CAPTION>
SERVICE TO TENANT AREAS                                                FREQUENCY
-----------------------                                                ---------
<S>                                                                    <C>
Empty all waste baskets and trash containers and remove refuse to      5/week
trash disposal area.

Clean exterior surfaces of waste baskets and trash containers to       2/month
remove any residue.

Empty, clean and damp wipe all ash trays and cigarette urns.           5/week

Dust all mid-range furniture, file cabinets and desktops.              5/week

High dusting.                                                          1/week

Low dusting.                                                           1/week

Clean and disinfect telephones.                                        1/week

Damp wipe sink/coffee bar areas.                                       5/week

Spot clean all glass, polished chrome and aluminum, brass, bronze      1/week
and stainless steal to remove dirt, fingerprints and smudges.

Wipe all doors facing, doors, light switch and receptacle covers,      1/month
walls and partitions as needed to remove dust, dirt, smudges, stains
and fingerprints.

Dust all wood paneling to remove dust.                                 4/year

Vacuum all fabric-covered walls to remove dust.                        4/year

Vacuum all upholstered or fabric-covered furniture.                    1/month

Damp wipe all vinyl-covered furniture.                                 1/month

Dust and clean overhead vents to remove dust and dirt.                 1/month

Damp wipe door knobs.                                                  1/week

Dust Venetian blinds.                                                  2/year

Clean metal kickplates to remove dust, dirt, stains, smudges and       2/month
scuff and heel marks.

Vacuum high traffic carpeted areas.                                    5/week

Detail vacuum corners, edges and under furniture.                      1/month

Spot clean carpets to remove spills, spots and stains. Normal wear     1/week
and tear accepted.

Dust mop all hard surface floors and wet wipe spots.                   3/week

Wet mop all hard surface floors.                                       1/week

Polish all floor surfaces with a heavy duty commercial buffer.         1/month

Refinish all floor surfaces with two coats of non-skid premium         2/years
quality floor finish.
</TABLE>

                                       H-1

<PAGE>

                            FIRST AMENDMENT TO LEASE

     THIS FIRST AMENDMENT TO LEASE (this "AMENDMENT") is made as of the 8th day
of September, 2004, by and between 200 WEST JACKSON OWNER LLC, a Delaware
limited liability company ("LANDLORD"), and COMPBENEFITS DENTAL AND VISION
COMPANY, a Florida corporation ("TENANT").

                                    RECITALS

     A. WHEREAS, Landlord and Tenant (formerly known as American Prepaid
Professional Services, Inc.) have entered into that certain lease dated October
15, 2003 (the "LEASE"), leasing to Tenant certain premises in the building
situated on the real estate located at 200 West Jackson Boulevard, Chicago,
Illinois (the "LAND") and known as 200 West Jackson (the "BUILDING");

     B. WHEREAS, pursuant to the Lease, Tenant is currently leasing 17,289
rentable square feet of space on the 9th floor of the Building commonly known as
Suite 900, for a term expiring on October 31, 2009 (the "TERMINATION DATE") (the
"ORIGINAL PREMISES"); and

     C. WHEREAS, Tenant has requested that additional space containing
approximately 5,123 rentable square feet (the "EXPANSION PREMISES RENTABLE
AREA") on the 7th floor of the Building commonly known as Suite 750 and depicted
on EXHIBIT A attached hereto (the "EXPANSION PREMISES") be added to the Original
Premises and that the Lease be appropriately amended, and Landlord is willing to
do the same on the following terms and conditions.

     NOW, THEREFORE, in consideration of the mutual covenants contained herein
and other good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, Landlord and Tenant hereby amend the Lease as follows:

     1. DEFINITIONS. The capitalized terms used herein shall have the same
definitions and meanings as set forth in the Lease unless otherwise defined
herein or modified by the provisions hereof. In addition, terms not defined in
the Lease but defined herein will, when delineated with initial capital letters,
have the meanings ascribed thereto in this Amendment. Terms and phrases that are
not delineated herein shall have the meanings commonly ascribed thereto.

     2. EXPANSION. Effective as of the Expansion Effective Date (defined below),
the Premises Rentable Area, as defined in the Lease, is increased from 17,289
rentable square feet on the 9th floor to 22,412 rentable square feet on the 7th
and 9th floors by the addition of the Expansion Premises, and from and after the
Expansion Effective Date, the Original Premises and the Expansion Premises,
collectively, shall be deemed the Premises, as defined in the Lease. The Term
for the Expansion Premises shall commence on the Expansion Effective Date and
end on the Termination Date. The Expansion Premises is subject to all the terms
and conditions of the Lease except as expressly modified herein and except that
Tenant shall not be entitled to receive any allowances, abatements or other
financial concessions granted with respect to the Original Premises unless such
allowances, abatements and other financial concessions are expressly

<PAGE>

provided for herein with respect to Expansion Premises. The "EXPANSION EFFECTIVE
DATE" shall be October 1, 2004; provided, however, the Expansion Effective Date
shall be delayed to the extent that Landlord fails to deliver possession of the
Expansion Premises for any reason (other than delays by Tenant), including but
not limited to, holding over by prior occupants. Any such delay in the Expansion
Effective Date shall not subject Landlord to any liability for any loss or
damage resulting therefrom. Notwithstanding anything to the contrary contained
herein, in the event the Expansion Effective Date has not occurred on or before
November 1, 2004 (the "Outside Delivery Date") for any reason other than any
delay caused by Tenant or an event of Force Majeure, Tenant, as its sole remedy,
shall have the right to terminate the Lease with respect to the Expansion
Premises by giving Landlord written notice of termination on or before the
earlier to occur of (i) 5 Business Days following the Outside Delivery Date and
(ii) the date on which Landlord delivers the Expansion Premises to Tenant vacant
and free of any other tenancy.

     3. BASIC RENT. Tenant shall continue to pay Basic Rent for the Original
Premises in accordance with the terms of the Lease through the Termination Date.
Effective as of the Expansion Effective Date, the schedule of Basic Rent for the
Expansion Premises through the Termination Date is as follows:

<TABLE>
<CAPTION>
                   ANNUAL RENTAL RATE                       MONTHLY BASIC
     PERIOD          PER SQUARE FOOT    ANNUAL BASIC RENT        RENT
     ------        ------------------   -----------------   -------------
<S>                <C>                  <C>                 <C>
 10/1/04-6/30/05         $24.00           $ 92,214.00*        $10,246.00
  7/1/05-6/30/06         $24.40           $125,001.24         $10,416.77
  7/1/06-6/30/07         $24.80           $127,050.36         $10,587.53
  7/1/07-6/30/08         $25.20           $129,099.60         $10,758.30
  7/1/08-6/30/09         $25.60           $131,148.84         $10,929.07
 7/1/09-10/31/09         $26.00           $ 44,399.32**       $11,099.83
</TABLE>

*    based on a 9-month period

**   based on a 4-month period

Notwithstanding anything to the contrary contained in the Lease, as amended
hereby, and provided that Tenant is not then in default under any of the terms,
covenants or conditions of the Lease, as amended hereby, beyond any applicable
cure periods, Basic Rent and Escalation Charges (as defined in the Lease)
attributable to the Expansion Premises shall abate in full, and Tenant shall
have no liability therefore, until April 19, 2005, at which time Tenant shall
commence the payment of Basic Rent and Escalation Charges for the Expansion
Premises in accordance with the terms of this Amendment.

All such Basic Rent shall be payable in accordance with the terms of the Lease.

     4. ESCALATION CHARGES. Tenant shall continue to pay Escalation Charges for
the Original Premises in accordance with the terms of the Lease. In addition,
from and after April 19, 2005 through the Termination Date, Tenant shall pay
Escalation Charges for the Expansion Premises, and Tenant's Proportionate Share
for the Expansion Premises shall be

                                        2

<PAGE>

1.0925% (which is based on the Expansion Premises Rentable Area divided by the
Building Rentable Area). All such Escalation Charges shall be payable in
accordance with the terms of the Lease.

     5. PERFORMANCE OF WORK. Tenant accepts the Expansion Premises in "as is"
condition, without representation or warranty by Landlord, except as set forth
herein. Except as expressly set forth herein, Landlord shall not be obligated to
make any improvements or alterations to the Expansion Premises, the Original
Premises or the Building in connection with this Amendment, and any alterations
or improvements to the Original Premises and the Expansion Premises shall be
performed by Tenant at its sole cost and expense in compliance with the
provisions of the Lease, except as expressly provided in the work letter
attached hereto as EXHIBIT B. Landlord, at its sole cost and expense, shall
demise the Expansion Premises and shall bring the Building's electrical,
life-safety, and heating, ventilation and air conditioning systems to the
perimeter of the Expansion Premises.

     6. LIMITATION OF LIABILITY. Landlord shall have no personal liability under
the Lease, as amended hereby; Landlord's liability shall be as set forth in
Section 15.3 of the Lease.

     7. NO OFFER. The submission of this Amendment to Tenant shall not be
construed as an offer, nor shall Tenant have any rights under this Amendment
unless Landlord executes a copy of this Amendment and delivers it to Tenant.

     8. INCORPORATION OF LEASE TERMS; CONFLICT. With the exception of those
matters set forth in this Amendment, Tenant's leasing of the Premises (i.e., the
Original Premises and the Expansion Premises) shall be subject to all terms,
covenants and conditions of the Lease. In the event of any conflict or
inconsistency between the terms of this Amendment and the terms of the Lease,
the terms of this Amendment shall control.

     9. RATIFICATION. Tenant hereby ratifies and confirms Tenant's obligations
under the Lease, and Tenant hereby represents and warrants to Landlord that
Tenant has no defenses thereto. Tenant hereby further confirms and ratifies
that, as of the date of this Amendment, the Lease is and remains in good
standing and in full force and effect.

     10. MISCELLANEOUS. The Lease and this Amendment shall be construed as one
instrument. In that regard, the Lease and this Amendment, including all exhibits
and addenda to each such document, constitute the entire agreement between the
parties relative to the subject matter hereof and thereof and supersede all
prior and contemporaneous agreements and understandings of Landlord and Tenant
in connection therewith. There have been no additional oral or written
representations or agreements by and between Landlord and Tenant. This Amendment
inures to the benefit of and shall be binding upon Landlord and Tenant and their
respective successors and permitted assigns. The recitals to this Amendment are
hereby incorporated as if fully set forth herein.

     11. MULTIPLE COUNTERPARTS. To facilitate execution hereof, this Amendment
may be executed in one or more counterparts as may be convenient or required,
and an executed copy hereof delivered by facsimile shall have the effect of an
original, executed instrument. All

                                        3

<PAGE>

counterparts hereof shall collectively constitute a single instrument; but in
making proof of this Amendment, it shall not be necessary to produce or account
for more than one such counterpart. It shall not be necessary for the signature
of, or on behalf of, each party hereto, or that the signature of all persons
required to bind any such party, appear on each counterpart hereof. Each
signature page to any counterpart hereof may be detached from such counterpart
without impairing the legal effect of the signatures thereon and thereafter
attached to another counterpart hereof identical thereto except having attached
to it additional signature pages.

     12. NO CONSTRUCTION AGAINST DRAFTSMAN. No inference in favor of or against
any party shall be drawn from the fact that such party has drafted any provision
of this Amendment or that such provisions have been drafted on behalf of said
party.

     13. BROKER. Landlord and Tenant each warrant to the other that it has not
dealt with any broker or agent, other than MB Real Estate Services LLC and CB
Richard Ellis, Inc., in connection with the negotiation or execution of the
Lease. Tenant and Landlord shall each indemnify the other against all costs,
expenses, attorneys' fees, and other liability for commissions or other
compensation claimed by any broker or agent claiming the same by, through, or
under the indemnifying party.

                                        4

<PAGE>

     This Amendment is executed by the undersigned as of the date first above
written.

LANDLORD:

200 WEST JACKSON OWNER LLC,
A DELAWARE LIMITED LIABILITY COMPANY

By: 200 West Jackson Manager LLC,
    a Delaware limited liability company,
    its Manager

By: MassMutual/Boston Capital Mezzanine
    Partners II, L.P., a Delaware
    limited partnership, its sole Member
    and Manager

By: Boston Mass II, LLC, a Delaware
    limited liability company, its
    General Partner

By: Babson Capital Management LLC, a
    Delaware limited liability company,
    a Manager

By: /s/ ROBERT F. LITTLE
    ------------------------------------
Name: ROBERT F. LITTLE
Title: MANAGING DIRECTOR

By: Boston Capital Institutional
    Advisors LLC, a Delaware limited
    liability company, a Manager

By: /s/ KARL W. WELLER
    ------------------------------------
Name: KARL W. WELLER
Title: EXECUTIVE VICE PRESIDENT

TENANT:

COMPBENEFITS DENTAL AND VISION COMPANY,
A FLORIDA CORPORATION

By: /s/ BRUCE A. MITCHELL
    ------------------------------------
Name: BRUCE A. MITCHELL
Title: Ex VP

                                        5

<PAGE>

                                   EXHIBIT A

                 OUTLINE AND LOCATION OF THE EXPANSION PREMISES

                                  (FLOOR PLAN)

200 WEST JACKSON BLVD.
CHICAGO ILLINOIS

                                       A-1

<PAGE>

                                    EXHIBIT B

                                   WORKLETTER

     1. ACCEPTANCE OF EXPANSION PREMISES; WORKLETTER. Subject to the provisions
set forth in Section 5 of the Amendment, Tenant accepts the Expansion Premises
in "as is" condition. The performance by Tenant of the construction of the
initial Tenant Alterations in the Expansion Premises and the payment by Landlord
of Landlord's Expansion Premises Contribution (as defined hereinafter) shall be
governed by the terms of this workletter ("WORKLETTER") and the Lease.

     2. SPACE PLANS.

          (a) PREPARATION AND DELIVERY. Tenant shall deliver to Landlord a space
     plan for the Expansion Premises prepared by a design consultant reasonably
     acceptable to Landlord (the "ARCHITECT") depicting improvements to be
     installed in the Expansion Premises (the "SPACE PLANS").

          (B) APPROVAL PROCESS. Landlord shall notify Tenant in writing whether
     it approves of the submitted Space Plans within five (5) days after
     Tenant's submission thereof. If Landlord disapproves of such Space Plans,
     then Landlord shall notify Tenant thereof specifying in reasonable detail
     the reasons for such disapproval, in which case Tenant shall, within three
     (3) Business Days after such notice, revise such Space Plans in accordance
     with Landlord's objections and submit to Landlord for its review and
     approval. Landlord shall notify Tenant in writing whether it approves of
     the resubmitted Space Plans within three (3) Business Days after its
     receipt thereof. This process shall be repeated until the Space Plans have
     been finally approved by Landlord and Tenant.

     3. WORKING DRAWINGS.

          (a) PREPARATION AND DELIVERY. Tenant shall provide to Landlord for its
     approval final working drawings, prepared by the Architect, of all
     improvements that Tenant proposes to install in the Expansion Premises as
     part of the Work (as hereinafter defined); such working drawings shall
     include the partition layout, ceiling plan, electrical outlets and
     switches, telephone outlets, drawings for any modifications to the
     mechanical and plumbing systems of the Building, and detailed plans and
     specifications for the construction of the improvements called for under
     this Workletter in accordance with all applicable Laws.

          (b) APPROVAL PROCESS. Landlord shall notify Tenant in writing whether
     it approves of the submitted working drawings within five (5) Business Days
     after Tenant's submission thereof. If Landlord disapproves of such working
     drawings, then Landlord shall notify Tenant in writing thereof specifying
     in

                                       B-1

<PAGE>

     reasonable detail the reasons for such disapproval, in which case Tenant
     shall, within five (5) Business Days after such notice, revise such working
     drawings in accordance with Landlord's objections and submit the revised
     working drawings to Landlord for its review and approval. Landlord shall
     notify Tenant in writing whether it approves of the resubmitted working
     drawings within five (5) Business Days after its receipt thereof. This
     process shall be repeated until the working drawings have been finally
     approved by Tenant and Landlord.

     4. LANDLORD'S APPROVAL; PERFORMANCE OF WORK. If any of Tenant's proposed
construction work will affect the Building's structure or systems of the
Building, including but not limited to electrical, mechanical life safety and
HVAC (collectively, "BUILDING'S SYSTEMS"), then the working drawings pertaining
thereto must be approved by Landlord's engineer. Landlord's approval of such
working drawings shall not be unreasonably withheld, delayed or conditioned,
provided that (1) they comply with all laws, (2) the improvements depicted
thereon do not adversely affect (in the reasonable discretion of Landlord) the
Building's structure or the Building's Systems (including the Building's
restrooms or mechanical rooms), the exterior appearance of the Building, or the
appearance of the Building's Common Facilities, (3) such working drawings are
sufficiently detailed to allow construction of the improvements in a good and
workmanlike manner, and (4) the improvements depicted thereon conform to the
rules and regulations promulgated from time to time by Landlord for the
construction of Tenant Alterations. As used herein, "WORKING DRAWINGS" shall
mean the final working drawings approved by Landlord, as amended from time to
time by any approved changes thereto, and "WORK" shall mean all improvements to
be constructed in accordance with and as indicated on the Working Drawings,
together with any work required by governmental authorities to be made to other
areas of the Building as a result of the improvements indicated by the Working
Drawings. Landlord's approval of the Working Drawings shall not be a
representation or warranty of Landlord that such drawings are adequate for any
use or comply with any Law, but shall merely be the consent of Landlord thereto.
After the Working Drawings have been approved, and Tenant has complied with all
the terms and conditions set forth herein and the insurance requirements
attached to this Workletter, Tenant shall cause the Work to be performed
substantially in accordance with the Working Drawings and the provisions of
SECTION 5.2 of the Lease and the Rules and Regulations for Tenant Alterations
promulgated by Landlord from time to time, except to the extent such provisions
are inconsistent with this Workletter. Tenant shall have the right to
competitively bid the Work; provided, however, the contractors and
subcontractors shall be subject to Landlord's reasonable approval.

     5. CHANGE ORDERS. Tenant may initiate changes in the Work. Each such change
must receive the prior written approval of Landlord, such approval not to be
unreasonably withheld, delayed or conditioned; however, if such requested change
would adversely affect (in the reasonable discretion of Landlord) (a) the
Building's structure or the Building's Systems (including the Building's
restrooms or mechanical rooms), (b) the exterior appearance of the Building, or
(c) the appearance of the Building's Common Facilities, Landlord may withhold
its consent in its sole and absolute discretion. Tenant

                                       B-2

<PAGE>

shall, upon completion of the Work, furnish Landlord with an accurate
architectural "as-built" plan of the Work as constructed, which plan shall be
incorporated into this Workletter by this reference for all purposes.

     6. EXCESS COSTS. The entire cost of performing the Work (including design
of the Work and preparation of the Working Drawings, architectural fees and
expenses, costs of construction labor and materials, electrical usage during
construction, additional janitorial services, general tenant signage, related
taxes and insurance costs, and the review fees referenced in SECTION 7 of this
Workletter, all of which costs are herein collectively called the "TOTAL
CONSTRUCTION COSTS") in excess of the Landlord's Expansion Premises Contribution
(hereinafter defined) shall be paid by Tenant. Tenant shall not be charged by
Landlord for hoisting, security or elevator operator service during normal
business hours.

     7. LANDLORD'S EXPANSION PREMISES CONTRIBUTION. Landlord shall provide to
Tenant a construction allowance (the "LANDLORD'S EXPANSION PREMISES
CONTRIBUTION") in the amount of $107,070.70 (i.e., $20.90 per square foot in the
Expansion Premises). Landlord shall disburse the Landlord's Expansion Premises
Contribution within thirty (30) days following Tenant's request therefor, at any
time following the full execution and delivery of this Lease by all parties, to
the general contractor in periodic disbursements, within 20 days following
receipt by Landlord of each of the following with respect to the portion of the
Work reflected in each disbursement: (1) receipted bills covering all labor and
materials expended and used in such portion of the Work; (2) a sworn
contractor's affidavit from the construction manager and a request to disburse
from Tenant; (3) contractor's, subcontractor's, and materials supplier's lien
waivers for such portion of the Work; and (4) the certification of Tenant and
its architect that such portion of the Work has been completed in a good and
workmanlike manner in accordance with approved plans, and in accordance with
applicable Laws. The Landlord's Expansion Premises Contribution shall be
disbursed in the amount reflected on the receipted bills meeting the
requirements above. Prior to the final disbursement of the Landlord's Expansion
Premises Contribution, Tenant shall provide Landlord with full and final lien
waivers for all Work, and Tenant shall provide Landlord with as-built plans of
the Work within 90 days after completion of the Work. Tenant shall reimburse
Landlord for the reasonable actual costs or expenses actually incurred by
Landlord, if any, for third party review of Tenant's Space Plans, Working
Drawings or the Work within thirty (30) days following Landlord's demand
therefor. Notwithstanding anything herein to the contrary, Landlord shall not be
obligated to disburse any portion of the Landlord's Expansion Premises
Contribution during the continuance of an uncured Event of Default under the
Lease, as amended by the Amendment to which this Workletter is attached, and
Landlord's obligation to disburse shall only resume when and if such Event of
Default is cured. In the event the Landlord's Expansion Premises Contribution
exceeds the Total Construction Costs, up to $61,476.00 (i.e., $12.00 per square
foot in the Expansion Premises) of the Landlord's Expansion Premises
Contribution unused after payment of the Total Construction Costs shall be
applied to the payments of Rent next due under the Lease; provided, however, any
portion of the Landlord's Expansion Premises Contribution not disbursed within
twelve

                                       B-3

<PAGE>

(12) months following the Expansion Effective Date shall be deemed forfeited
with no further obligation by Landlord with respect thereto.

     8. CONSTRUCTION REPRESENTATIVES. Landlord's Construction Representative and
Tenant's Construction Representative for coordination of construction and
approval of the Tenant Alterations in the Expansion Premises and any change
orders will be as set forth in SECTION 1.1 of the Lease, provided that either
party may change its representative upon written notice to the other.

                                       B-4<PAGE>

                                                                   Exhibit 10.43

                                 LEASE AGREEMENT

                                 BY AND BETWEEN
                   1511 N. WESTSHORE PARTNERS, LTD. ("LESSOR")
                                       AND
                          VISION CARE. INC. ("LESSEE")
                     1511 N. WESTSHORE BOULEVARD, SUITE 1000
                              TAMPA, FLORIDA 33607

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
SECTION   CAPTION                                                           PAGE
-------   -------                                                           ----
<S>       <C>                                                               <C>
   1.     PREMISES.......................................................     1
   2.     TERM...........................................................     1
   3.     USE............................................................     2
   4.     RENTAL.........................................................     2
   5.     BUILDING SERVICES..............................................     4
   6.     PEACEFUL ENJOYMENT.............................................     5
   7.     PAYMENTS.......................................................     5
   8.     REPAIRS AND RE-ENTRY...........................................     5
   9.     ALTERATIONS AND IMPROVEMENTS...................................     5
  10.     ASSIGNMENT OR SUBLEASE.........................................     5
  11.     LEGAL USE AND VIOLATIONS OF INSURANCE COVERAGE.................     7
  12.     INDEMNITY LIABILITY............................................     7
  13.     RULES OF BUILDING..............................................     7
  14.     ENTRY FOR REPAIRS AND INSPECTION...............................     8
  15.     USE OF BUILDING NAME...........................................     8
  16.     GRAPHICS.......................................................     8
  17.     DEFACING PREMISES AND OVERLOADING..............................     8
  18.     LIABILITY INSURANCE............................................     9
  19.     CASUALTY INSURANCE.............................................     9
  20.     CONDEMNATION...................................................     9
  21.     LOSS OR DAMAGE.................................................     9
  22.     ABANDONMENT....................................................     9
</TABLE>

                                                                      (initials)

<PAGE>

<TABLE>
<S>       <C>                                                               <C>
  23.     HOLDING OVER...................................................    10
  24.     LOSS BY FIRE OR OTHER CAUSES...................................    10
  25.     WAIVER OF SUBROGATION RIGHTS...................................    10
  26.     ATTORNEY'S FEES................................................    11
  27.     AMENDMENT OF LEASE.............................................    11
  28.     TRANSFER OF LESSOR'S RIGHTS....................................    11
  29.     DEFAULT BY LESSEE..............................................    11
  30.     REMEDIES FOR LESSEE'S DEFAULT..................................    11
  31.     WAIVER OF DEFAULT OR REMEDY....................................    12
  32.     RIGHTS OF MORTGAGEE............................................    12
  33.     ESTOPPEL CERTIFICATES..........................................    13
  34.     SUCCESSORS.....................................................    13
  35.     RENT TAX.......................................................    13
  36.     PARKING........................................................    13
  37.     INTEREST.......................................................    13
  38.     CONTINUATION OF LEASE AFTER TERMINATION........................    13
  39.     NOTICES........................................................    14
  40.     CHARGES FOR SERVICES...........................................    14
  41.     SCHEDULES......................................................    14
  42.     SEPARABILITY...................................................    14
  43.     GOVERNING LAWS.................................................    14
  44.     CAPTIONS.......................................................    14
  45.     LESSOR'S LIEN..................................................    14
  46.     NO LIENS.......................................................    15
  47.     SHOWING PREMISES...............................................    15
  48.     COMMISSIONS....................................................    15
  49.     LONG FORM LEASE................................................    15
  50.     TENANT IMPROVEMENTS............................................    15
  51.     HAZARDOUS MATERIALS............................................    15
  52.     RADON DISCLOSURE...............................................    16
  53.     NO MERGER......................................................    17
</TABLE>

                                                                      (initials)

<PAGE>

<TABLE>
<S>       <C>                                                               <C>
  54.     EXTERIOR BALCONIES.............................................    17
  55.     CONDITION OF LEASE.............................................    17
  56.     OPTION TO RENEW................................................    17
          SIGNATURE PAGE.................................................    18
</TABLE>

        EXHIBITS

"A"     DEMISED PREMISES
"A-1"   SCHEMATIC SPACE PLAN
"B"     WORKLETTER
"C"     BUILDING RULES AND REGULATIONS
"C-1"   FITNESS CENTER RULES AND REGULATIONS
"C-2"   EMPLOYER'S RELEASE OF LIABILITY AND INDEMNITY AGREEMENT
"C-3"   EMPLOYEE'S RELEASE OF LIABILITY AND INDEMNITY AGREEMENT
"D"     RESERVED PARKING SPACES

                                                                      (initials)

<PAGE>

                              TOWERMARC CORPORATION

                                 LEASE AGREEMENT

                                 BY AND BETWEEN
                   1511 N. WESTSHORE PARTNERS, LTD. ("LESSOR")
                                       AND
                          VISION CARE, INC. ("LESSEE")
                     1511 N. WESTSHORE BOULEVARD, SUITE 1000
                              TAMPA, FLORIDA 33607

     THIS LEASE AGREEMENT, made and entered into as of the 8th day of June,
1994, by and between 1511 N. Westshore Partners, Ltd. (hereinafter referred to
as the "Lessor"), and Vision Care, Inc. (hereinafter referred to as the
"Lessee").

     1. PREMISES. Lessor hereby leases to Lessee and Lessee hereby rents from
Lessor, approximately twelve thousand six hundred seventy five (12,675) square
feet of rentable area comprising the entire tenth floor of the Building, as
defined herein and shown on Exhibit "A" attached hereto and made a part hereof
by reference, (hereinafter referred to as the Premises) and known as Suite 1000
in the Tower Place Building (hereinafter referred to as the "Building") located
at 1511 N. Westshore Boulevard, Tampa, Florida, 33607. For the purposes of this
Lease, rentable area shall be the area actually occupied and used exclusively by
the Lessee plus a designated percentage of this area representing an allocated
share of the common area(s) of the Building.

     2. TERM.

          (a) The term of this Lease shall be for a period of sixty-two (62)
months, commencing on the first (1st) day of September, 1994, or the date on
which the Premises are available for occupancy, whichever last occurs,
hereinafter referred to as the "Commencement Date", and expiring at midnight on
the 31st day of October, 1999, hereinafter referred to as the "Expiration Date".

          (b) Notwithstanding Paragraph (a), above, if the Premises require
improvements prior to occupancy thereof, and the completion of said improvements
is delayed beyond the aforesaid Commencement Date of this Lease, then the
Commencement and Expiration Dates of this Lease, respectively, shall be deemed
to have been extended until the date the Premises are, in fact, ready for
occupancy by Lessee, and shall terminate the aforesaid number of months
thereafter, provided, however, should such delay be the result of Lessee's
failure to (i) timely provide Lessor with the information necessary to prepare
the Plans for Lessee's Improvements, (ii) timely approve the Plans prepared by
Lessor for Lessee's Improvements or (iii) adhere to the approved Plans by
requesting changes thereon or otherwise delaying construction of Lessee's
Improvements, then, the term of this Lease shall commence as provided for in
Paragraph (a), above, irrespective of whether or not for any reason the

                                                                      (initials)

                                                                               1

<PAGE>

Premises are not ready for occupancy on or before the date specified above.

          (c) Notwithstanding Paragraph (a), above, if the Premises require
improvements prior to occupancy thereof, and the Lessee (as opposed to the
Lessor) employs a contractor to complete all or any part of the improvements to
the Premises, it is agreed that the term of this Lease shall commence as
provided for in Paragraph (a), above, irrespective of whether or not for any
reason the Premises are not ready for occupancy on or before the date specified
above.

     3. USE. Lessee covenants that the Premises will be continuously used and
occupied during the full term of this Lease for the purpose(s) of general office
use and will not use and occupy the Premises for any other purpose without the
prior written consent of Lessor. In no event, however, shall the Lessee be
allowed to use the Premises as a travel agency without the prior written consent
of Lessor, which consent may be withheld in Lessor's sole unfettered discretion.

     4. RENTAL.

          (a) BASE RENT. In consideration for this Lease and subject to the
adjustments hereinafter specified in this Lease, as rental for the Premises, the
Lessee hereby agrees to pay to the Lessor, without deduction, set-off, prior
notice or demand, Base Rent as follows:

<TABLE>
<CAPTION>
Lease Period                         Annual Rent   Monthly Rent
------------                         -----------   ------------
<S>                                  <C>           <C>
September 1, 1994-August 31, 1995      $231,324       $19,277
September 1, 1995-August 31, 1996      $237,660       $19,805
September 1, 1996-August 31, 1997      $243,996       $20,333
September 1, 1997-August 31, 1998      $250,332       $20,861
September 1, 1998-August 31, 1999      $256,668       $21,389
September 1, 1999-October 31, 1999     $ 42,778       $21,389
</TABLE>

     All rental installments shall be payable on the first day of the month in
advance by Lessee as herein provided to Lessor at their place of business as
specified in Paragraph 39 herein until notice to the contrary is given by
Lessor. The first such monthly installment shall be due and payable at the time
of the execution of this Lease. If the beginning date of this Lease commences on
any day of the month other than on the first day, the monthly Base Rent for the
unexpired portion of said month shall be prorated and paid on a per diem basis,
and the Lessor shall credit the difference, if any, toward the payment of the
rent for the next calendar month. Other remedies for nonpayment of rent
notwithstanding, if the monthly rental payment is not received by Lessor on or
before the tenth day of the month for which rent is due, or if any other payment
due Lessor by Lessee is not received by Lessor on or before the tenth day of the
month next following the month in which Lessee was invoiced, a service charge of
five per cent (5%) of such past due amount shall become due and payable in
addition to such amounts owed under this Lease.

          (b) ADDITIONAL RENTS. In the event the operating expenses (as defined
below) of the Building of which the Premises are a part shall, in any calendar
year during the term of this Lease, exceed the sum of $7.00 per square foot of
rentable area (the "Expense Stop"),

                                                                      (initials)

                                                                               2

<PAGE>

Lessee agrees to pay as additional rental Lessee's pro rata share of the excess
operating expenses. Notwithstanding the foregoing, Lessor hereby acknowledges
and agrees that Lessee shall not be responsible for paying operating expenses in
excess of the Expense Stop which are attributable to increases in "controllable
operating expenses" (as defined below), which exceed five percent (5%) of the
Expense Stop compounded annually. For the purposes hereof, "controllable
operating expenses" shall mean all of those expenses identified as "operating
expenses" below, excluding however, real estate taxes, insurance premiums, and
utility costs and expenses. There shall be no limitation on the amount of pass
through to Lessee for those excess operating expenses which are not considered
controllable operating expenses. Lessor may, within nine (9) months following
the close of any calendar year for which additional rental is due under this
Paragraph, invoice Lessee for the excess operating expenses. The invoice shall
include in reasonable detail the computations of the additional rental, and
Lessee agrees to make payment of the additional rental to Lessor within ten (10)
days following receipt of the invoice. In addition to Lessor's right to invoice
Lessee for actual excess operating expenses, if any, at the end of each calendar
year, Lessor shall have the right but not the obligation, at any time during the
term of this Lease, to estimate excess operating expenses for the coming
calendar year (or remaining part thereof) and invoice Lessee for its pro rata
share of such estimated excess operating expenses. Lessee shall pay monthly,
concurrent with each Base Rent payment due hereunder, an amount equal to
one-twelfth (1/12) the estimated annual excess operating expenses, such payment
being considered "Additional Rent". In the event of an overpayment or
underpayment by Lessee, each party hereby agrees to an appropriate adjustment to
be paid or credited, as the case may be, as determined by the accounting of
actual operating expenses as provided herein, to the Additional Rent payment
next becoming due from Lessee. Appropriate proration shall be made for partial
periods. Lessee shall have the right, at its own expense and at a reasonable
time, to inspect Lessor's books at the Lessor or its agent's place of business,
relevant to the additional rentals due under this paragraph, or at Lessor's
option, Lessor shall provide to Lessee a statement of operating expenses in
reasonable detail. Lessee's obligation to pay this rent shall survive the
termination of the Lease.

     The term "operating expenses", as used above, includes all expenses
incurred with respect to the maintenance, management and operation of the
Building of which the Premises are a part, including, but not limited to,
maintenance and repair costs, electricity, fuel, water, sewer, gas and other
utility charges, security, window washing, janitorial services, trash removal,
landscaping and pest control, wages and fringe benefits payable to employees of
Lessor whose duties are connected with the operations and maintenance of the
Building, amounts paid to contractors or subcontractors for work or services
performed in connection with the operation, management and maintenance of the
Building, all services, supplies, repairs, replacements or other expenses for
maintaining, managing and operating the Building including common area and
parking area maintenance. The term "operating expenses" also includes all real
property taxes and installments of special assessments, all insurance premiums
Lessor is required to pay or deems necessary to pay, including public liability
insurance with respect to the Building. The term "operating expenses" does not
include income and franchise taxes of Lessor, expenses incurred in leasing to or
procuring of tenants, leasing commissions, advertising expenses, expenses for
the renovating of space for new tenants, capital improvements, interest or
principal payments on any mortgage or other indebtedness of Lessor, nor
depreciation allowance or expense, provided however, there shall be included as
an operating expense of the Building,

                                                                      (initials)

                                                                               3

<PAGE>

depreciation for capital expenditures made by Lessor to reduce operating
expenses, if Lessor shall have reasonably determined that the annual reduction
in operating expenses shall exceed depreciation therefor, such depreciation to
be determined by dividing the original cost of such capital expenditure by the
number of years of useful life to be reasonably determined by Lessor in
accordance with generally accepted financial accounting principles and practices
in effect at the time of acquisition of the capital item.

     The term "common area(s)", as used in this Lease shall mean the portions of
the Building, as well as all parking area(s), both covered and uncovered and all
landscaped and recreational areas, provided and maintained by the Lessor for the
common use and benefit of the tenants of the Building generally and the
employees, invitees, and licensees of such tenants. Lessee's pro rata share of
the operating expenses described above shall be determined by multiplying the
amount of such operating and maintenance costs by a factor, the numerator of
which shall be the rentable area of the Premises (as stated in Paragraph 1 of
this Lease) and the denominator of which shall be the rentable area of the
entire building. For the purpose of this Lease this factor shall be .07.

     5. BUILDING SERVICES. Lessor agrees to provide in the Building: (a)
restroom and drinking fountain facilities on each floor of the Building; (b)
heated and refrigerated air-conditioning in season, and at such temperatures and
in such amounts and at such hours as are specified by Lessor to be standard
(such hours are specified in the Building Rules and Regulations), above standard
or after hours services to be furnished only if so requested by Lessee and
approved by Lessor, and Lessee shall bear the entire cost of such service. The
air-conditioning system in the Building is based upon an occupancy of not more
than one person per 150 square feet of usable area, and upon a combined lighting
and standard electrical load not to exceed 2.5 watts per square foot of the
usable area. In the event Lessee exceeds this condition or introduces onto the
Premises equipment which overloads the system, and/or in any other way causes
the system not to adequately perform its proper functions, supplementary systems
may at Lessor's option be provided to the Premises by the Lessor at the Lessee's
sole expense; (c) adequate elevator service; (d) janitorial service after
standard business hours five (5) days a week; (e) electrical current for
ordinary purposes connected with the aforesaid use of the Premises. Lessor shall
provide electrical power to the Premises for up to 1.5 watts per square foot of
usable area for lighting and 1.0 watts per square foot of usable area for office
machines through standard receptacles for the typical office space. Lessor shall
not bear the utility costs (including air-conditioning costs) occasioned by
electronic data processing machines, computers and similar machines of high
electrical consumption if such consumption exceeds the capacity limits provided
for herein, provided however, Lessor shall provide 24 hour per day electrical
service and supplemental HVAC to Lessee's Computer Room only, as such room is
identified on EXHIBIT "A-1" attached hereto; and (f) electrical lighting service
for all public areas and special service areas of the Building in the manner and
to the extent deemed by Lessor to be standard. Provided, however, that failure
by Lessor to any extent to furnish, or any stoppage of, these defined services,
resulting from causes beyond the control of Lessor or not the fault of Lessor
from any other cause (including without limitation, the unavailability of fuel
or energy or any applicable laws, rules or regulations relating thereto), shall
not render Lessor liable in any respect for damages to either person or
property, nor be construed as an eviction of Lessee, nor work an abatement of
rent, nor relieve Lessee from fulfillment of any covenant or agreement

                                                                      (initials)

                                                                               4

<PAGE>

hereof. Should any equipment or machinery break down or for any cause, cease to
function properly, Lessor shall use reasonable diligence to repair the same
promptly, but Lessee shall have no claim for rebate of rent or damages on
account of interruptions in service occasioned thereby or resulting therefrom;
and Lessor shall incur no liability whatsoever for any loss, damage or
interruption of services caused by a strike or labor stoppage (whether such
shall involve employees of Lessor or others), interruptions of transportation,
unavailability of materials, parts, machinery or supplies, acts of God, or other
causes beyond Lessor's control.

     6. PEACEFUL ENJOYMENT. Lessee shall, and may peacefully, have, hold and
enjoy the Premises subject to the other terms thereof, and provided Lessee pays
the rentals herein recited and perform all of its covenants and agreements
herein contained.

     7. PAYMENTS. Lessee will pay all rents and sums provided to be paid Lessor
hereunder at the time and in the manner herein provided. Time is of the essence
as regards all rents and other sums provided to be paid to Lessor.

     8. REPAIRS AND RE-ENTRY. Lessee will, at Lessee's own cost and expense,
repair or replace any damage or injury done to the Building, the Premises, or
any part thereof, caused by Lessee or Lessee's agents, employees, invitees or
visitors. If Lessee fails to make such repairs or replacements promptly, or
within fifteen (15) days of occurrence, Lessor may, at its option, make such
repairs or replacements, and Lessee shall repay the cost thereof to Lessor on
demand. Lessee will not commit or allow any waste or damage to be committed on
any portion of the Premises or the Building and shall at the termination of this
Lease, by lapse of time or otherwise, deliver the Premises to Lessor broom clean
and in as good condition as at date of possession of Lessee, ordinary wear and
tear excepted, and upon such termination of Lease, Lessor shall have the right
to re-enter and resume possession of the Premises.

     9. ALTERATIONS AND IMPROVEMENTS. Except as otherwise provided in the Work
Letter attached hereto as EXHIBIT "B" all installations and improvements now or
hereafter placed on the Premises other than Building Standard Improvements shall
be for Lessee's account and at Lessee's cost (and Lessee shall pay ad valorem
taxes and increased insurance thereon or attributable thereto), which cost shall
be payable by Lessee to Lessor in advance. Lessee shall not make or allow to be
made any alterations or physical additions in or to the Premises without first
obtaining the written consent of Lessor. Any alterations, physical additions or
improvements to the Premises made by Lessee shall at once become the property of
the Lessor and shall be surrendered to Lessor upon the termination of this
Lease. Lessor, at its option, may require Lessee to remove any physical
additions and/or repair any alterations in order to restore the Premises to the
condition existing prior to the time Lessee took possession, all costs of
removal and/or alterations to be borne by Lessee. This clause shall not apply to
movable equipment, furniture or trade fixtures owned by Lessee which may be
removed by Lessee at the end of the term of this Lease if Lessee is not then in
default and If such equipment and furniture is not then subject to any other
rights, liens and interests of Lessor.

     10. ASSIGNMENT AND SUBLETTING. Lessee shall not assign, mortgage, pledge,
or encumber this Lease, or permit all or any part of the Premises to be
subleased

                                                                      (initials)

                                                                               5

<PAGE>

without the prior written consent of Lessor and Lessor's mortgagee, if any,
which consent shall not be unreasonably withheld or delayed. Any transfer of
this Lease by merger, consolidation, reorganization, or liquidation of Lessee,
or by operation of law, or change in ownership of or power to vote the majority
of the outstanding voting stock of a corporate Lessee, or by change in ownership
of a controlling partnership interest in a partnership Lessee, shall constitute
an assignment for the purposes of this paragraph. Notwithstanding the foregoing,
Lessee shall have the right to assign or sublease part or all of the Premises to
any of its subsidiaries, affiliates or any parent corporation of Lessee with
prior written notice to Lessor, provided that: (i) Lessee continues to be
primarily liable on its obligations as set forth herein; (ii) any such assignee
or sublessee shall assume and be bound by all covenants and obligations of
Lessee herewith; (iii) the proposed assignee or sublessee is, in Lessor's good
faith judgement, compatible with other tenants in the Building and seeks to use
the Premises only for the Permitted Lessee and for a use that is not prohibited
under the terms of a lease with another tenant in the Building; and (iv) such
use would not result in a material change in the number of personnel working in,
or members of the general public visiting, the Premises.

     In addition to other reasonable bases, Lessee hereby agrees that Lessor
shall be deemed to be reasonable in withholding its consent, if: (a) such
proposed assignment or sublease is for a term less than the whole of the
remaining Lease term; or (b) Lessee is in default under any of the terms,
covenants, conditions, provisions and agreements of this lease at the time of
request for consent or on the effective date of such subletting or assignment;
or (c) the proposed subtenant or assignee is, in Lessor's good faith judgement,
incompatible with other tenants in the Building, or seeks to use any portion of
the Premises for a use not consistent with other uses in the Building, or is
financially incapable of assuming the obligations of this Lease; or (d) the
proposed assignee or sublessee or its business is subject to compliance with
additional requirements of the law (including related regulation) commonly known
as the "Americans With Disabilities Act" beyond those requirements which are
applicable to the Lessee, unless the proposed assignee or sublessee shall (i)
first deliver plans and specifications for complying with such additional
requirements and obtain Lessors consent thereto, and (ii) comply with all
Lessor's conditions for or contained in such consent, including without
limitation, requirements for security to assure the lien-free completion of such
improvements by and at the sole cost and expense of Lessee or its sublessee or
assignee. Lessee shall submit to Lessor the name of the proposed assignee or
subtenant, the terms of the proposed assignment or subletting, the nature of the
proposed subtenant's or assignee's business and such information as to the
assignee's or subtenant's financial responsibility and general reputation as
Lessor may reasonably require.

     No subletting or assignment, even with the consent of Lessor, shall relieve
Lessee of its primary obligation to pay the Rent and to perform all of the other
obligations to be performed by Lessee hereunder. The acceptance of Rent by
Lessor from any other person or entity shall not be deemed to be a waiver by
Lessor of any provision of this Lease or to be a consent to any assignment,
subletting or other transfer, or a novation. Consent to one assignment,
subletting or other transfer shall not be deemed to constitute consent to any
subsequent assignment, subletting or transfer.

     In the case of a proposed subletting of a portion of the Premises, Lessor
may, at Lessor's

                                                                      (initials)

                                                                               6

<PAGE>

option, elect to terminate the Lease with respect to that portion of the
Premises being proposed for subletting. The effective date of any such
termination shall be thirty (30) days after the proposed effective date of any
proposed assignment or subletting.

     One-half of any proceeds in excess of Lessee's Base Rent and Lessee's pro
rata share of excess operating expenses which is received by Lessee pursuant to
an assignment or subletting consented to by Lessor, less reasonable brokerage
commissions actually paid by Lessee, and less other reasonable costs incurred by
Lessee in connection with making the space available for lease, shall be
remitted to Lessor as additional Rent within ten (10) days of receipt by Lessee.
For purposes of this Paragraph, all money or value in whatever form received by
Lessee from or on account of any party as consideration for an assignment or
subletting shall be deemed to be proceeds received by Lessee pursuant to an
assignment or subletting.

     11. LEGAL USE AND VIOLATIONS OF INSURANCE COVERAGE. Lessee will not occupy
or use, or permit any portion of the Premises to be occupied or used, or do or
permit to be done anything in or about the Building, for any business or purpose
which is unlawful or immoral, in part or in whole, or deemed to be hazardous in
any manner, or which will be disreputable or harmful to be character or
reputation of the Building or which will be bothersome to other tenants of the
Building or visitors to the Building, or which will be a nuisance. Lessee will
not do anything or permit anything to be done in or about the Premises or
Building which will in any way increase the rate of insurance on the Building
and/or its contents; and in the event that, by reason of acts or omissions of
Lessee there shall be an increase in rate of any insurance on the Building or
its contents, then Lessee hereby agrees to pay such increase in full and to
remedy such condition upon five (5) days written demand by Lessor.

     12. INDEMNITY LIABILITY. Lessee indemnifies and save harmless Lessor of and
from any and all fines, suit, claims, demands and actions of any kind (including
expenses and attorney's fees) by reason of any breach, violation, or
nonperformance of any condition hereof, including failure to abide by the rules
of the Building, or any act or omission on the part of Lessee, its agents,
invitees, or employees. Lessee is familiar with the Premises and acknowledges
that the same are received by Lessee in good state of repair and accepted by
Lessee in the condition in which they are now or shall be when ready for
occupancy. Lessor shall not be liable to Lessee or Lessee's agents, employees,
invitees or visitors for any damage to persons or property due to condition,
design, or defect in the Building, or its mechanical systems, or in the
Premises, which may now exist or hereafter occur unless such damage is due to
the negligence or wilful misconduct of Lessor. Upon completion of the tenant
improvements to be installed in the Premises, Lessee accepts the Premises as
suitable for the purposes for which the same are leased and assumes all risks of
damage to persons or property, and agrees that no representations except such as
are contained herein or endorsed hereon have been made to the Lessee respecting
the condition of the Premises.

     13. RULES OF BUILDING. Lessee and Lessee's agents, employees, invitees and
visitors shall comply fully with all requirements of the rules of the Building
and of the Fitness Center (if applicable) which may be made by Lessor. A copy of
such rules shall be furnished

                                                                      (initials)

                                                                               7

<PAGE>

to Lessee and such rules may be changed or amended by Lessor from time to time.
If the present version of said rules shall be printed on a separate schedule,
such schcdule(s) shall be attached to this Lease as Exhibit "C" and made a part
hereof as fully and completely as though copied herein in detail.

     14. ENTRY FOR REPAIRS AND INSPECTION. Lessee will permit Lessor or its
officers, agents or representatives the right to enter into and upon any and all
parts of the Premises, during normal business hours with advance notice to
inspect same or clean or make repairs or alterations or additions as Lessor may
deem necessary or desirable, and Lessee shall not be entitled to any abatement
or reduction of rent by reason thereof; provided, however, that nothing herein
requires Lessor to make any such repairs, alterations or additions. Lessor shall
be entitled to enter upon the Premises at any time to make emergency repairs.

     15. USE OF BUILDING NAME. The Lessee shall not, except to designate the
Lessee's business address (and then only in a conventional manner and without
emphasis or display) use the name of the Building or any simulation or
abbreviation of such name for any purpose whatsoever. The Lessor reserves the
right to change the name of the Building at any time. The Lessee will
discontinue using such name, and any simulation or abbreviation thereof for the
purpose of designating the Lessee's business address within thirty (30) days
after the Lessor shall notify the Lessee that the Building is no longer known by
such name.

     16. GRAPHICS. Lessor will furnish and install a suitable building directory
and establish suite numbers to facilitate locating and identifying Lessee's
Premises. In order to effect uniformity, to control graphics, and to maintain
dignified aesthetics, Lessor will also furnish and install at the entrance
door to Lessee's Premises a uniform suite number plate and a name plate, at
Lessor's sole expense. All signs, letters, and numerals shall be in the graphics
standard for the Building and no others shall be used or permitted on the
Premises without Lessor's prior written consent.

     17. DEFACING PREMISES AND OVERLOADING. Lessee shall not place anything or
allow anything to be placed on or near any door, partition, wall or window which
may be unsightly from outside the Premises, and Lessee shall not place or permit
to be placed any article of any kind on any window ledge or on the exterior
walls, windows, blinds, shades, awnings or other forms of inside or outside
window coverings. No inside or outside window coverings or window ventilators,
or similar devices, shall be placed in or about the outside windows in the
Premises except to the extent, if any, that the character, shape, color,
material and make thereof is first approved by the Lessor, and Lessee shall not
do any painting or decorating in the Premises or make, paint, cut or drill into,
or in any way deface any part of the Premises or Building without the prior
consent of Lessor. Lessee shall not overload any floor or part thereof in the
Premises, or any facility in the Building or any public corridors or elevators
therein, and shall not bring in or remove any large or heavy articles, without
Lessor's prior written consent. Lessor may direct and control the locations of
safes and all other heavy articles. Furniture and other large or heavy articles,
may be brought into the Building, removed therefrom or moved from place to place
within the Building only at times and in the manner designated by Lessor. Lessee
agrees not to place any load on any portion of the Premises or

                                                                      (initials)

                                                                               8

<PAGE>

other portions of the Building or its equipment that would exceed the allowable
load limits for the Building, as specified by Lessor.

     18. LIABILITY INSURANCE. Lessee and Lessor shall, each at its own expense,
maintain a policy or policies of comprehensive general liability insurance with
respect to the respective activities of each in the Building, and on the
Property with the premiums thereon fully paid on or before due date, issued by
and binding upon an insurance company approved by Lessor, such insurance to
afford minimum protection of not less than $1,000,000 per occurrence combined
single limit coverage of bodily injury, property damage or combination thereof.
Lessor shall not be required to maintain insurance against thefts within the
Premises, or the Building. If requested by either party, the requested party
shall promptly deliver to the other certificates or other satisfactory evidence
of insurance indicating that all premiums have been paid and that the policies
are in full force and effect.

     19. CASUALTY INSURANCE. Lessor shall at all times during the term of this
Lease maintain a policy or policies of insurance with the premiums paid in
advance, issued by and binding upon some solvent insurance company, insuring the
Building against loss or damage by fire, explosion or other hazards and
contingencies for the full insurable value; provided, that Lessor shall not be
obligated in any way or manner to insure any personal property (including, but
not limited to, any furniture, machinery, goods or supplies) of Lessee or which
Lessee may have upon or within the Premises or any fixtures installed by or paid
for by Lessee upon or within the Premises or any additional improvements which
Lessee may construct on the Premises. Lessee shall maintain, at all times during
the term of this Lease, adequate insurance on its personal property and other
improvements within the Premises.

     20. CONDEMNATION. If the Premises, or any part thereof, or any interest
therein, be taken by virtue of (or sold under threat of) eminent domain or for
any public or quasi-public use or purpose, this Lease and the estate hereby
granted, at the option of the Lessor, shall terminate as of the date possession
transfers to the condemning authority. If any part of the Building other than
the Premises be so taken, the Lessor shall have the right to terminate this
Lease at the date of such taking or within six (6) months thereafter by giving
the Lessee thirty (30) days prior written notice of the date of such
termination. Any interest which Lessee may have or claim to have against the
condemning authority in any award resulting from any condemnation proceedings
shall be limited to removal and relocation expenses for Lessee's furniture,
movable fixtures, and other personal property, and interruption to business
expenses.

     21. LOSS OR DAMAGE. Lessor shall not be liable or responsible for any loss
or damage to any property or person occasioned by theft, fire, water, wind,
vandalism, rain, snow, leakage of Building, act of God, public enemy,
injunction, riot, strike, insurrection, war, court order, requisition or order
of governmental body or authority, unavailability of fuel or energy, or other
matter beyond the control of Lessor, or for any damage or inconvenience which
may arise through repair or alteration of any part of the Building, or failure
to make such repairs, or from any cause, whatever unless caused solely by
Lessor's negligence or wilful misconduct.

     22. ABANDONMENT. If the Premises are abandoned by Lessee, Lessor shall have

                                                                      (initials)

                                                                               9

<PAGE>

the right, but not the obligation, to relet same for the remainder of the period
covered hereby; and if the rent is not received through such reletting at least
equal to the rent provided for hereunder, Lessee shall pay and satisfy any
deficiencies between the amount of the rent called for and that received through
reletting, and all expenses incurred by such other reletting including but
not limited to the cost of renovating, altering and decorating for a new
occupant. Nothing herein shall be construed as in any way denying Lessor the
right, in case of abandonment of the Premises, or other breach of this Contract
by Lessee, to treat the same as an entire breach of this Contract and any and
all damages occasioned Lessor thereby, or pursue any other remedy provided by
law or this Lease.

     23. HOLDING OVER. In case of holding over by Lessee after expiration or
termination of this Lease without Lessor's prior written consent, Lessee will
pay as rent for each month or part thereof, during such holdover period, twice
the rent provided in Paragraph 4(a) above. No holding over by Lessee after the
term of this Lease without consent and acquiescence of Lessor shall operate to
extend the Lease for a longer period than one (1) month; and any holding over
with the prior written consent of Lessor shall thereafter constitute a rental
from month to month, at the rent specified in this Paragraph 23.

     24. LOSS BY FIRE OR OTHER CAUSES. Lessee shall, in case of fire, or loss or
damage to the Premises from other causes, give immediate notice thereof to
Lessor. In the event of damage to the Premises by fire or other causes resulting
from fault or negligence of Lessee or Lessee's agents, employees, invitees or
visitors, the same shall be repaired by and at the sole expense of Lessee under
the direction and supervision of Lessor or if such damage is covered by Lessor's
casualty insurance, Lessee shall be fully responsible for satisfying any
deductible amount payable in connection with a claim made on its behalf. Lessor
agrees, at its expense, to repair promptly any damage of the Premises not
resulting from the fault or negligence of Lessee or Lessee's agents, employees,
invitees or visitors, except that Lessee agrees to repair and replace its own
furniture, furnishings, fixtures, personal property, and equipment, and the
rent, until such repairs shall be made, shall be equitably apportioned according
to the part of the Premises which is usable by Lessee, except that, if such
damage be so extensive that the replacement of all or substantially all of the
Building be required, then and in that event, at the option of Lessor, this
Lease will be canceled and of no force and effect from after the date of the
occurrence of such damage. No penalty shall accrue for reasonable delay which
may arise by reason of adjustment of insurance on the part of Lessor, and for
reasonable delay on account of causes beyond Lessor's control (such as described
in Paragraphs 5 and 21 hereof).

     25. WAIVER OR SUBROGATION RIGHTS. Anything in this Lease to the contrary
notwithstanding, Lessor and Lessee each hereby waives any and all rights of
recovery, claim, action, or cause of action, against the other, its agents,
officers, or employees, for any loss or damage that may occur to the Premises,
or any improvements thereto, or the Building of which the Premises are a part,
or any improvements thereto, or any personal property of such party therein, by
reason of fire, the elements, or any other cause(s) which are insured against
policies referred to in Paragraphs 18 and 19 hereof, regardless of cause or
origin, including negligence of the other party hereto, its agents, officers, or
employees. Lessor and Lessee will

                                                                      (initials)

                                                                              10

<PAGE>

both exert their best efforts to cause all insurance policies to include an
endorsement to effect the provision of this Section. '

     26. ATTORNEY'S FEES. In the event that either party defaults in the
performance of any of the terms, covenants, agreements or conditions contained
in this Lease and the aggrieved party places the enforcement of this Lease, or
any part thereof, or the collection of any rent or other sum due, or to become
due hereunder, or recovery of the possession of the Premises, in the hands of an
attorney, or files suit upon the same, the defaulting party agrees to pay the
prevailing party's reasonable attorney's fees and all reasonable costs and
expenses, and payment of the same shall be secured in like manner as is herein
provided, as to security for rent.

     27. AMENDMENT OF LEASE. This agreement may not be altered, changed, or
amended, except by an instrument in writing, signed by all parties hereto.

     28. TRANSFER OF LESSOR'S RIGHTS. Lessor shall have the right to transfer
and assign in whole or in part all and every feature of its rights and
obligations hereunder and in the Building and property referred to herein. Such
transfers or assignments may be made either to a corporation, partnership,
trust, individual or group of individuals, and, howsoever made, are to be in all
things respected and recognized by Lessee.

     29. DEFAULT BY LESSEE. The following shall be deemed to be events of
default under this Lease:

          (a) Lessee shall fail to pay within ten (10) days of when due any
installment of rent or any other payment required pursuant to this Lease;

          (b) Lessee shall abandon any substantial portion of the Premises;

          (c) Lessee shall fail to comply with any term, provision or covenant
of this Lease, other than the payment of rent, and the failure is not cured
within twenty (20) days after written notice to Lessee;

          (d) Lessee shall file a petition or be adjudged bankrupt or insolvent
under the National Bankruptcy Act, as amended or any similar law or statute of
the United States or any state; or a receiver or trustee shall be appointed for
all or substantially all of the assets of Lessee; or Lessee shall make a
transfer in fraud of creditors or shall make an assignment for the benefit of
creditors;

          (e) Lessee shall do or permit to be done any act which results in a
lien being filed against the Premises; or

          (f) There shall occur, during any twelve (12) month period during the
term of this Lease, more than two (2) events of default, as specified in
subsections (a) through (e) above, regardless of whether such defaults have been
cured by Lessee within the allowed grace periods.

     30. REMEDIES FOR LESSEE'S DEFAULT. Upon the occurrence of any event of
default set forth in this Lease Agreement, Lessor shall have the option to
pursue any one or more of the following remedies without any notice or demand:

          (a) Terminate this Lease, in which event Lessee shall immediately
surrender

                                                                      (initials)

                                                                              11

<PAGE>

the Premises to Lessor, and if Lessee fails to surrender the Premises, Lessor
may, without prejudice to any other remedy which it may have for possession or
arrearages in rent, enter upon and take possession of the Premises, and lock
out, expel or remove Lessee and any other person who may be occupying all or any
part of the Premises without being liable for prosecution of any claim for
damages. Lessee agrees to pay on demand the amount of all loss and damage which
Lessor may suffer by reason of the termination of the Lease under this
subparagraph, whether through inability to relet the Premises on satisfactory
terms or otherwise;

          (b) Enter upon and take possession of the Premises, and lock out,
expel or remove Lessee and any other person who may be occupying all or any part
of the Premises without being liable for any claim for damages, and relet the
Premises on behalf of Lessee and receive directly the rent by reason of the
reletting. Lessee agrees to pay Lessor on demand any deficiency that may arise
by reason of any reletting of the Premises; further Lessee agrees to reimburse
Lessor for any expenditures made by it for remodeling or repairing in order to
relet the Premises;

          (c) Enter upon the Premises, without being liable for prosecution of
any claim for damages, and do whatever Lessee is obligated to do under the terms
of this Lease. Lessee agrees to reimburse Lessor on demand for any expenses
which Lessor may incur in effecting compliance with Lessee's obligations under
this Lease; further, Lessee agrees that Lessor shall not be liable for any
damages resulting to Lessee from effecting compliance with Lessee's obligations
under this subparagraph caused by the negligence of Lessor or otherwise.

     31. WAIVER OF DEFAULT OR REMEDY. Failure of Lessor to declare an event of
default immediately upon its occurrence, or delay in taking any action in
connection with an event of default, shall not constitute a waiver of the
default, but Lessor shall have the right to declare the default at any time and
take such action as is lawful or authorized under this Lease, Pursuit of any one
or more of the remedies set forth in Paragraph 30 above shall not preclude
pursuit of any one or more of the other remedies provided elsewhere in this
Lease or provided by law, nor shall pursuit of any remedy provided constitute a
forfeiture or waiver of any rent or damages accruing to Lessor by reason of the
violation of any of the terms, provisions or covenants of this Lease. Failure by
Lessor to enforce one or more of the remedies provided upon an event of default
shall not be deemed or construed to constitute a waiver of the default or of any
violation or breach of any of the terms, provisions and covenants contained in
this Lease.

     32. RIGHTS OF MORTGAGEE. Lessee accepts this Lease subject and subordinate
to any recorded mortgage, deed of trust or other lien presently existing upon
the Premises. Lessor is hereby irrevocably vested with full power and authority
to subordinate Lessee's interest under this Lease to any mortgage, deed of trust
or other lien hereafter placed on the Premises, and Lessee agrees upon demand to
execute additional instruments subordinating this Lease as Lessor or its
Mortgagee may require. If the interests of Lessor under this Lease shall be
transferred by reason of foreclosure or other proceedings for enforcement of any
mortgage on the Premises, Lessee shall be bound to the transferee (sometimes
called the "Purchaser") under the terms, covenants and conditions of this Lease
for the balance of the term remaining, and any extensions or renewals, with the
same force and effect as if the Purchaser were Lessor under this Lease, and
Lessee agrees to attorn to the Purchaser, including the mortgagee under any such

                                                                      (initials)

                                                                              12

<PAGE>

mortgage if it be the Purchaser, as its Lessor, the attornment to be effective
and self-operative without the execution of any further instruments upon the
Purchaser succeeding to the interest of Lessor under this Lease. The respective
rights and obligations of Lessee and the Purchaser upon the attornment, to the
extent of the then remaining balance of the term of this Lease, and any
extensions and renewals, shall be and are the same as those set forth in this
Lease and Lessor agrees to use its best reasonable efforts to obtain a
Subordination and Non-Disturbance Agreement from its mortgagee to this effect.

     33. ESTOPPEL CERTIFICATES. Lessee agrees to furnish promptly, from time to
time, upon request of Lessor or Lessor's mortgagee, a statement certifying that,
to the extent that such is true and correct, Lessee is in possession of the
Premises; the Premises are acceptable; the Lease is in full force and effect;
the Lease is unmodified; Lessee claims no present charge, lien, or claim of
offset against rent; the rent is paid for the current month, but is not paid and
will not be paid for more than one (1) month in advance; there is no existing
default by reason of some act or omission by Lessor; and such other matters as
may be reasonably required by Lessor or Lessor's mortgagee.

     34. SUCCESSORS. This Lease shall be binding upon and inure to the benefit
of Lessor and Lessee and their respective heirs, personal representatives,
successors and assigns. It is hereby covenanted and agreed that should Lessor's
interest in the Premises cease to exist for any reason during the term of this
Lease, then notwithstanding the happening of such event this Lease nevertheless
shall remain unimpaired and in full force and effect and Lessee hereunder agrees
to attorn to the then owner of the Premises.

     35. RENT TAX. Lessee shall pay and be liable for all rental, sales and use
taxes or other similar taxes, if any, levied or imposed by any city, state,
county or other governmental body having authority, such payments to be in
addition to all other payments required to be paid to Lessor by Lessee under the
terms of this Lease. Any such payment shall be paid concurrently with the
payment of the rent upon which the tax is based as set forth above.

     36. PARKING. During the term of this Lease, Lessee shall have the
nonexclusive use in common with Lessor, other tenants of the Building, their
guests and invitees, of the nonreserved common automobile parking areas,
driveways, and footways, subject to rules and regulations for the use thereof as
prescribed from time to time by Lessor. Lessor shall have the right to reserve
parking spaces as it elects and condition use thereof on such terms as it
elects. Lessor hereby grants to Lessee the exclusive right to use three (3)
reserved parking spaces in the Building's parking garage as shown on EXHIBIT "D"
attached hereto at no charge to Lessee during the initial term of this Lease.

     37. INTEREST. Monies owed by Lessee to the Lessor shall, after due date,
bear interest rate at the maximum legal rate.

     38. CONTINUATION OF LEASE AFTER TERMINATION. No receipt of money by Lessor
from Lessee after the termination of this Lease, or after the service of any
notice, or after commencement of any suit, or after final judgment for
possession of the Premises shall

                                                                      (initials)

                                                                              13

<PAGE>

reinstate, continue or extend the term of this Lease or affect any such notice,
demand or suit.

     39. NOTICES. Any notice or document required or permitted to be delivered
hereunder shall be deemed to be delivered or given when (a) actually received
or (b) signed for or "refused" as indicated on the postal service return
receipt. Delivery may be by personal delivery or by United States mail, postage
prepaid, certified or registered mail, or by deposit with a nationally
recognized express courier addressed to the parties hereto at the respective
addresses set out opposite their names below, or at such other address as they
may hereafter specify by written notice delivered in accordance herewith:

          LESSOR: 1511 N. Westshore Partners, Ltd., c/o Towermarc Corporation,
1511 N. Westshore Boulevard, Suite 200, Tampa, Florida 33607.

          LESSEE: Vision Care, Inc., 1511 N. Westshore Boulevard, Suite 1000,
Tampa, Florida 33607.

     40. CHARGES FOR SERVICES. It is further understood and agreed that any
expenses Lessor may incur for any materials, supplies, services, or for work
done on the Premises by order of the Lessee other than the initial tenant
improvements being installed by Lessor pursuant to Paragraph 51 hereof,
including an amount equal to ten percent (10%) of such expenses for Lessor's
administration and performance of such service or charges, shall be promptly
paid by Lessee to Lessor, and shall be included in any lien for rent due and
unpaid.

     41. SCHEDULES. All schedules initialed by both parties hereto and attached
to this Lease shall be a part of this Contract whether or not said schedules are
specifically referred to in the Lease.

     42. SEPARABILITY. In the event that any provisions or part of a provision
of this Lease is held invalid, the other provisions and parts of provisions
shall remain in full force and effect,

     43. GOVERNING LAWS. This Lease shall be governed by and construed according
to the laws of the State of Florida.

     44. CAPTIONS. Captions are inserted for convenience only, and shall not
affect or limit the construction of this Lease.

     45. LESSOR'S LIEN. A first lien and security interest is hereby expressly
reserved by Lessor and granted by Lessee upon the terms of this Lease Agreement
and in and to all interest in this Leasehold for the payment of rent for the
performance of any other obligations, and for the satisfaction of any cause of
action which may accrue to the Lessor by the provisions of this Lease Agreement.
A first lien and security interest is also expressly reserved by Lessor and
granted by Lessee in and to all personal property, furniture, fixtures,
improvements, and all other property which Lessee may have, bring, use, erect,
or put in place or that may be had, bought, used, erected, or put in place upon
the Premises by or through Lessee or other persons

                                                                      (initials)

                                                                              14

<PAGE>

for the payment of rent and also for the satisfaction of any causes of action
which may accrue to Lessor by the provisions of this Lease Agreement. Lessee
hereby agrees to execute any instrument required by the Lessor in order to
perfect its security interest hereunder. Notwithstanding anything to the
contrary contained herein, if Lessee is not in default under the terms and
conditions of this Lease, Lessor agrees to subordinate its first lien and
security interest granted herein in all personal property, furniture, fixtures
and improvements of Lessee in the Premises to the lien and security interest of
a bona fide third party providing financing or equipment leasing to Lessee.
Lessor agrees to execute such documents reasonably required to affect such
subordination, provided such documents are reasonable in Lessor's sole
discretion.

     46. NO LIENS. Anything to the contrary, herein notwithstanding, if Lessee
makes any repairs or alterations to the Premises, whether or not with Lessor's
prior consent, the Lessor's interest in the Building and Premises shall not be
subject to liens for improvements made by the Lessee.

     47. SHOWING PREMISES. Lessor shall have the right during normal business
hours, and upon reasonable notice to Lessee, to show the Premises to prospective
purchasers or mortgagees of the Building and during the last twelve (12) months
of the Lease term to show the Premises to prospective tenants.

     48. COMMISSIONS. Lessor and Lessee hereby indemnify and agree to hold each
other harmless against any loss, claim, expense or liability with respect to any
commissions or brokerage fees claimed on account of the execution and/or renewal
of this Lease due to any action of the indemnifying party.

     49. LONG FORM LEASE. This "Long Form Lease" shall not be recorded, but it
is agreed that the parties hereto may, at the option of either party, be
required to execute a short form of this "Long Form Lease" and that the short
form may be recorded. It is agreed that this "Long Form Lease" shall prevail in
the event that any of the provisions of the "Short Form Lease" conflict with the
provisions of this "Long Form Lease."

     50. TENANT IMPROVEMENTS. Lessor hereby agrees to provide certain tenant
improvements in the Premises, at no charge to Lessee, generally in accordance
with the Schematic Space Plan attached hereto as EXHIBIT "A-l" and in accordance
with the Workletter attached hereto as EXHIBIT "B". In the event that the Lessee
shall make or direct any changes to be made to the tenant improvements which do
not conform to EXHIBIT "A-l" or the Workletter, which changes result in an
increase in the cost of the tenant improvements to Lessor, such excess costs
shall be the sole responsibility of Lessee.

     51. HAZARDOUS MATERIALS. Lessee hereby agrees that it will not cause or
permit the storage, use, generation or disposition of any Hazardous Materials
(as defined below) in, on, or about the Premises or the Property, by Lessee, its
agents, employees or contractors. Lessee will not permit the Premises to be used
or operated in a manner that may cause the Premises or the Property to be
contaminated by any Hazardous Materials in violation of any Hazardous Materials
Laws. Lessee will immediately advise Lessor in writing of (i) any and all

                                                                      (initials)

                                                                              15

<PAGE>

enforcement, cleanup, remedial, removal, or any other governmental or regulatory
actions instituted, completed or threatened pursuant to any Hazardous Materials
Laws relating to any Hazardous Materials affecting the Premises, and (ii) all
claims made or threatened by any third party Lessee, Lessor or the Premises,
relating to damage, contribution, cost recovery, compensation, loss or injury
resulting from any Hazardous Materials on or about the Premises. Without
Lessor's prior written consent, Lessee will not take any remedial action or
enter into any agreements for settlements in response to the presence of any
Hazardous Materials in, on or about the Premises.

     Lessee will be solely responsible for and will defend, indemnify and hold
Lessor, its agent and employees harmless from and against any and all claims,
costs and liabilities, including attorneys fees and costs, arising out of or in
connection with Lessee's breach of its obligations in this Paragraph 51. Lessee
will be solely responsible for and will defend, indemnify, and hold Lessor, its
agents, and employees, harmless from and against any and all claims, costs, and
liabilities, including attorneys fees and costs, arising out of or in connection
with the removal, cleanup, and restoration work and materials necessary to
return the Premises and any other property of whatever nature located on the
Property to their condition existing prior to the appearance of Lessee's
Hazardous Materials on the Premises. Lessee's obligations under this Paragraph
51 will survive the expiration or other termination of this Lease.

     For the purpose of this Section of the Lease, "Hazardous Materials" means
any explosives, radioactive materials, hazardous wastes, or hazardous
substances, including without limitation substances defined as "Hazardous
Substances" in the Comprehensive Environmental Response Compensation and
Liability Act of 1980, as amended, 42 U.S.C. Sec. 9601-9657; the Hazardous
Materials Transportation Act of 1975, 49 U.S.C. Sec. 1801-1812; the Resource
Conservation and Recovery Act of 1976, 42 U.S.C. Sec. 6901-6987; or any other
federal, state, or local statute, law, ordinance, code, rule, regulation, order,
or decree, regulating, relating to or imposing liability or standards of conduct
concerning hazardous materials, wastes or substances now or at any time
hereinafter in effect (collectively, "Hazardous Materials Laws").

     Notwithstanding anything to the contrary contained herein, Lessee hereby
disavows and disclaims any knowledge, responsibility, or liability whatsoever as
to the presence of any Hazardous Materials which may be present on the Premises,
the Building, or the Property, on or before the date Lessee has occupied the
Premises. Lessor hereby agrees that it shall defend, indemnify, and hold Lessee,
its agents and employees harmless from and against any and all claims, costs,
and liabilities, including attorneys fees and costs arising out of or in
connection with any Hazardous Materials which may be present on the Premises,
the Building, or the Property prior to Lessee's date of occupancy of the
Premises.

     52. RADON DISCLOSURE. Radon is a naturally occurring radioactive gas that,
when it has accumulated in a structure in sufficient quantities, may present
health risks to persons who are exposed to it. Levels of radon that exceed
federal and state guidelines have been found in structures in the State of
Florida. Additional information regarding radon and radon testing may be
acquired from the county Public Health Unit. Lessor makes no representations to
Lessee concerning the presence or absence of radon gas in the Premises or

                                                                      (initials)

                                                                              16

<PAGE>

the Building at any time or in any quantity. By executing this Lease, Lessee
expressly releases Lessor from any loss, claim, liability or damage now or
hereafter arising from or relating to the presence at any time of such
substances in the Premises or the Building.

     53. NO MERGER. The voluntary or other surrender of this Lease by Lessee for
the cancellation of this Lease by mutual agreement of Lessee and Lessor or the
termination of this Lease on account of Lessee's default, will not constitute a
merger, and will, at Lessor's option (a) terminate all or any subleases and
subtenancies, or (b) operate as an assignment to Lessor of all or any subleases
or subtenancies. Lessor's option under this Paragraph 42 will be exercised by
written notice to Lessee and all known sublessee's or subtenants in the Premises
or any part of the Premises.

     54. EXTERIOR BALCONIES. In addition to the use of the Premises, Lessor
hereby grants to Lessee the right to use each of the four (4) exterior balconies
accessed from the Premises on the tenth floor of the Building. Lessee hereby
acknowledges that it assumes all risk for the safety and welfare of its
employees, contractors, agents, guests, and invitees in the use of said
balconies and Lessee hereby agrees to release, indemnify, and hold harmless
Lessor, its agents, contractors, officers, directors, and affiliates from and
against any and all liability, and claims or causes of action resulting from
Lessee's use of said balconies, including without limitation, bodily injury,
death, or property damage. Lessee hereby agrees to use the balconies in a safe
and proper manner at all times during the term of this Lease.

     55. CONDITION OF LEASE. This Lease Agreement is expressly conditioned upon
Lessor entering into a fully binding Amendment to Lease Agreement between Lessor
and The Rolm Company ("Rolm"), the tenant currently in possession of the
Premises. Such Amendment must effectively bind and obligate Rolm to fully vacate
the Premises and for Lessor to relocate Rolm to other space within the Tower
Place Building in order to accommodate Lessee's occupation of the demised
Premises. Such Amendment must be fully executed between Lessor and Rolm no later
than June 29th 1994, failing which this Lease shall be null and void and of no
force and effect.

     56. OPTION TO RENEW. Lessor hereby grants to Lessee an option to renew this
Lease for one (1) additional successive term of five (5) years (the "Renewal
Term") upon the same general terms and conditions as contained herein, provided
however, the rental rate payable by Lessee during such Renewal Term shall be the
then prevailing market rental rate quoted by Lessor for comparable space in the
Building, but in any event, not less than the rental rate payable by the Lessee
during the last year of the initial term of this Lease. In order for Lessee to
exercise its option to renew this Lease, Lessee must not be in default under the
terms and conditions hereof and Lessee must provide Lessor with written notice
of its intent to renew the Lease no later than nine (9) months prior to the
expiration of the Lease term. In the event that the Lessor and Lessee are unable
to reach a mutually satisfactory agreement as to the rental rate to be payable
by Lessee during the Renewal Term within sixty (60) days after the date Lessee
has notified Lessor of its intent to renew, then this option to renew the Lease
shall be null and void and of no further force and effect. If Lessor and Lessee
are able to reach a mutually satisfactory agreement as to the rental rate to be
payable by Lessee during the Renewal Term,

                                                                      (initials)

                                                                              17

<PAGE>

then Lessor and Lessee shall promptly enter into an amendment to this Lease,
effectively extending the term of this Lease for the Renewal Term.

WITNESS:                                LESSOR: 1511 N. WESTSHORE PARTNERS, LTD.
                                                SECOND BENJAMIN, INC.
                                                GENERAL PARTNER

/s/ Illegible                           By: /s/ Illegible
-------------------------------------       ------------------------------------
                                        ITS: VICE PRESIDENT
-------------------------------------   DATE: 6/8/94
(Print name as signed above)

/s/ Illegible
-------------------------------------

-------------------------------------
(Print name as signed above)

WITNESS:                                LESSEE: VISION CARE, INC.

/s/ Illegible                           By: /s/ Illegible
-------------------------------------       ------------------------------------
                                        ITS: President
-------------------------------------   DATE: 6/6/94
(Print name as signed above)

/s/ LUIS M. PERNA
-------------------------------------
LUIS M. PERNA
(Print name as signed above)

                                                                      (initials)

                                                                              18

<PAGE>

                                    EXHIBIT A

                            North Westshore Boulevard

                                  (FLOOR PLAN)

                          (TOWERMARC CORPORATION LOGO)

                                                                      (initials)

<PAGE>

                              EXHIBIT "A-1" (CONT.)

                           FLORIDA VISION SERVICE PLAN

Floor Covering

     Install 32 ounce cut pile carpet throughout
     Install vinyl floor in break/tel. room
     Install vinyl baseboard throughout

Computer Room

     Existing raised floor, existing 3 ton HVAC unit above ceiling, and
telephone room to remain "As Is" with exception to the electrical needs as shown
on the attached floor plan.

Wallcover

     Existing wallcovering to remain "As Is" in reception, small conference, and
waiting areas. Install wallcovering to match existing in reception and Allen's
office.

Millwork

     Reuse existing counter tops and cabinets in break and mail room

                                                                      (initials)

<PAGE>

                                   EXHIBIT "B"
                                   WORKLETTER
                        TOWER PLACE BUILDING, SUITE 1000
                           LEASE DATED JUNE ___, 1994

     Vision Care, Inc. (hereinafter called "Lessee") and 1511 N. Westshore
Partners, Ltd. (hereinafter called "Lessor") are simultaneously executing a
Lease Agreement (the "Amendment") for space more particularly described therein
as "the New Premises or Demised Premises" in the Tower Place Building.

     To induce Lessee to enter into said Amendment, and in consideration of the
mutual covenants hereinafter contained, the Lessor and Lessee mutually agree as
follows:

     1. Lessor agrees at its sole expense and without charge to Lessee to
complete the improvements in accordance with all laws and regulations sufficient
to Lessor to obtain a Certificate of Occupancy from the City of Tampa Department
of Inspection as identified on the Architectural Space Plans (the "Plans"),
which are to be prepared by Lessor generally in accordance with the Schematic
Space Plan attached as EXHIBIT "A-1" to the Lease. In the event that Lessee
shall make or direct any changes to the Schematic Space Plan or the Plans, which
result in an increase in the cost of the tenant improvements, such excess costs
shall be the sole responsibility of the Lessee.

     2. If Lessee shall desire any excess standard finishes or additional or
nonstandard work, over and above that specified in EXHIBIT "A-1" attached hereto
(hereinafter referred to as "Above Standard Improvements") to be constructed in
the Demised Premises by Lessor or by Lessee, Lessee shall cause similar plans,
drawings and specifications for such work to be drawn at Lessee's sole expense
(either by arranging therefor with Landlord's Architects and/or Engineers, or by
consultants of its own selection). All such plans for Above Standard
Improvements shall expressly be subject to Lessor's written approval, which
Lessor covenants it will not unreasonably withhold.

     3. If Lessor agrees to construct any Above Standard Improvements in the
Premises, such work shall be performed by Lessor, at Lessee's sole expense, at
the prices as actually invoiced to the Lessor plus a ten percent (10%) markup on
labor and materials for Lessor's overhead. Lessee hereby, agrees to pay to
Lessor the costs for such Above Standard Improvements as follows: (a) Lessee
shall pay to Lessor, prior to the commencement of the construction of the work,
an amount equal to fifty percent (50%) of the estimated cost of the Above
Standard Improvements; (b) prior to the occupancy of the Premises by the Lessee,
Lessee shall pay to Lessor the balance of the cost of the Above Standard
Improvements (as such amount can be reasonably estimated based on available
data). Upon determination of the final actual cost of the Above Standard
Improvements, Lessor shall submit to Lessee an accounting of the actual costs
and there shall be a subsequent adjustment between the parties for any shortfall
or overage in payment. Such adjustment shall be due within ten (10) days of
receipt of invoice from the party owed. All sums due by the Lessee hereunder
shall be deemed Additional Rent and failure to pay such amounts when due shall
be a default under the Lease and subject to Lessor's remedies for default as set
forth in the Lease.

                                                                      (initials)

<PAGE>

     4. The Lessee and its agents may be allowed to enter the Premises during
construction, so that Lessee may perform through its own contractors such other
work and decorations as Lessee may desire, at the same time mat Lessor's
contractors are working in the space, provided however, Lessee or its
contractors do not interfere with the progress of the work.

     The foregoing conditional license to enter the Premises during construction
is conditioned on Lessee's workmen, mechanics and agents working harmoniously
with and not interfering with the labor employed by Lessor, Lessor's mechanics,
contractors or agents or by any other Lessee or their contractor. If, at any
time, such entry shall cause disharmony or interference therewith, this license
may be immediately withdrawn by Lessor, Such entry shall be deemed to be under
all of the terms, covenants, provisions, and conditions of the Lease except as
to the covenant to pay rent. Lessor shall not be liable, other than for its own
or its own agent's negligence, for any injury, loss or damage which may occur to
any of the Lessee's decorations, installation or any persons employed by the
Lessee prior to the commencement of the term of this Lease, the same being
solely at Lessee's risk.

LESSOR: 1511 N. Westshore Partners, Ltd.
        Second Benjamin, Inc. - General Partner

        BY: /s/ Illegible                             DATE 6/8/94
            ---------------------------------------
        ITS: VICE PRESIDENT

LESSEE: Vision Care Inc.

        BY: /s/ Illegible                             DATE 6/6/94
            ---------------------------------------
        ITS: President

                                                                      (initials)

<PAGE>

                                    EXHIBIT C

                       BUILDING HOURS, RULES & REGULATIONS

1. The term "normal business hours" is defined as 8:00 a.m. to 6:00 p.m., Monday
through Friday and 8:00 a.m. to 12:00 p.m. on Saturdays, exclusive of holidays.
The following dates shall constitute holidays:

     a.   New Years Day

     b.   Memorial Day

     c.   Independence Day

     d.   Labor Day

     e.   Thanksgiving Day

     f.   The Friday following Thanksgiving

     g.   Christmas Day

     h.   Any other holiday recognized and taken by Tenants occupying at least
          one half (1/2) of the rentable area of office space in the Building.

If in the case of any holiday, a different day shall be observed than the
respective day above described, then that day which constitutes the day observed
by national banks in Tampa, Florida, on account of such holiday shall constitute
the holiday.

2. Heating, ventilation and air conditioning are furnished by Landlord during
normal business hours only.

The HVAC system is not in operation during legal holidays. After hours and
holiday HVAC is available by contacting the management office in writing prior
to 12:00 p.m. of that day, proceeding such request Tenant will be charged a rate
per hour per the terms of the lease (typical = $35).

3. None of the sidewalks, entrances, elevators, vestibules, halls or stairways
shall be obstructed by Tenants or used for any purpose other than ingress and
egress to and from the leased premises and for going from one part of the
Building to another. No rubbish, trash, litter or materials of any nature shall
be thrown or stored in these areas.

4. Tenant shall not place or install, on the leased premises or any part of the
Building or parking area, any explosive, gasoline, kerosene, oil, acids,
caustics or any other flammable, explosive, or hazardous materials that would in
any way increase the rate of fire or other insurance on the Building or on
property kept therein or obstruct, or interfere with the rights of or otherwise
injure or annoy other Tenants or do anything in conflict with valid pertinent
laws, rules or regulations of any governmental authority. Any such materials
placed or installed in the Building in accordance with applicable rules and
regulations must receive prior written consent of Landlord.

5. Movement into or out of the Building of deliveries, furniture

                                                                      (initials)

<PAGE>

or equipment shall be restricted to hours, stairways and elevators designated by
Landlord. Unless Landlord notifies Tenant otherwise, only the freight elevator
may be used for such purposes, and such elevator may be used only during normal
business hours unless prior written approval of Landlord has been obtained. All
such movement and delivery shall be under the supervision of the Building
Manager and carried out in a manner agreed upon by the Tenant and the Building
Manager by prearrangement. Prearrangement shall include time, method, routing
and any limitations imposed for reasons of safety or nondisturbance of others.
Landlord may require that movement of furniture or equipment which interferes
with normal Building traffic be made at hours other than normal business hours.

6. Except in emergencies, requests by Tenants will be attended to only after the
person(s) authorized by Tenant, in writing to Landlord, has made the request of
the building management office. Landlord's employees are not allowed to perform
any work outside their regular duties unless authorized and directed by the
Building Manager. Tenant may not contract with Landlord's employees for the
performance of paid or free services to Tenant. If, at the request of the
Tenant, Landlord or Landlord's agents furnish services, goods, labor or material
to Tenant which are not viewed to be furnished under the terms and conditions of
the lease, Tenant agrees that it shall promptly pay for the same upon receipt of
a written statement therefore. Such charges by the Landlord shall be reasonable
and in accordance with the customary price for similar services rendered by
third party contractors.

7. Safes and other heavy articles shall be carried onto the leased premises only
at such times and in such manner as prescribed by Landlord. Landlord shall have
the right to specify weight limitations and positioning of safes or other heavy
articles. All damage done to the Building by installation, presence, or removal
of a safe or other article owned or controlled by Tenant on the leased premises
shall be paid for by the Tenant.

8. No person shall permit the delivery or preparation of food for consumption in
the Building, or the facilities for the preparation of food without Landlord's
prior written consent. No person shall use the Building for housing, lodging,
sleeping or any immoral or illegal purpose.

                                                                      (initials)

<PAGE>

9. Corridor doors, when not in use, shall be kept closed. No additional locks
shall be placed on any doors in the leased premises without prior written
consent of Landlord. Tenant shall not change, alter, or replace locks provided
by Landlord on doors in the Building, except with prior written permission from
Landlord. All necessary keys shall be furnished by Landlord, and Landlord shall
be entitled to have a key to every door in Tenant's leased premises. Tenant
shall surrender all keys upon termination of Tenant's right of occupancy; and at
such time Tenant shall give Landlord the combination to all vaults or other such
locks remaining in Tenant's leased premises after surrender by Tenant.

10. No person shall operate, or permit to be operated, any musical or sound
producing instrument or make improper noises inside the building or otherwise
create a nuisance or interfere in any way with other tenants or persons having
business with them.

11. No tenant shall permit odors to emanate from his premises. Tenant shall
comply with all laws relating to fire, safety, and sanitation and any
requirements of Landlord's insurance company with respect to the same.

12. Canvassing, soliciting, or peddling in the Building is prohibited and Tenant
shall cooperate to prevent same.

13. Landlord reserves the right to expel from to disallow entrance to the
Building to anyone who does not reasonable satisfy a building security guard or
a member of the building management staff that they have a right to enter the
building. Landlord shall not be liable for damages for any good faith error with
regard to admission or exclusion from the building of any person. In case of
fire, destruction, invasion, mob, riot or other commotion, Landlord reserves the
right to prevent access to the building by closing the doors or otherwise.
Tenant shall be responsible for any person they permit to access the building
after normal business hours.

14. No birds, animals or dogs (except in the company of a blind person) shall be
brought into or kept in or about the building or common areas.

15. No bicycles, motorcycles or similar vehicles shall be allowed into the
building or parked other than in designated areas for such vehicle. No trailers
or large trucks may be parked in the building parking areas except for temporary
loading or unloading and only in areas designated by Landlord. Parking within
the loading zones will be done in strict conformance with Landlord's direction.

16. Tenant shall neither place nor permit to be placed any signs, advertisements
or notices in or upon any part of the building except building standard signage
upon the doors of the leased premises, and all signs shall be installed for
Tenant by Landlord, the cost of such installation to be paid by Tenant. All
signs shall be of such size, color, form, and material as may be

                                                                      (initials)

<PAGE>

specified by Landlord. Landlord shall have the right to remove all signs not
previously approved in writing by Landlord without notice and at the cost of
Tenant.

17. No person shall install any radio or television antenna on the roof, or on
or in any part of the inside or outside of the building, except a tenant who
does so inside the leased premises and which is not visible in any way from the
outside of the building or outside the leased premises. No person shall operate
any electrical device in or on the building from which may emanate electrical
waves which may interfere or impair radio, telephone, or television broadcasting
or reception form or in the building.

18. No person shall operate any space heater, stoves, engines or other machinery
or equipment not typical of an office building without Landlord's prior written
consent. No person shall use any illumination or power for the operation of any
equipment or device other than electricity which is provided by Landlord.

19. Plumbing fixtures and appliances shall be used only for the purposes for
which they were constructed. No sweeping, rubbish, rags or other unsuitable
material may be thrown or placed in plumbing fixtures or appliances. The cost of
any stoppage or damage resulting from negligence or improper use of these
fixtures or appliances by a Tenant or Tenant's agents, employees, invitees or
visitors shall be paid for by the Tenant.

20. No person shall place anything or permit anything to be placed near the
glass of any window, door, partition or wall which may appear unsightly from
outside the Building or leased Premises. Tenant shall cooperate with Landlord by
keeping the window blinds fully down and turned at a 45 degree angle to the
outside to maximize the effectiveness of the cooling system.

21. Each Tenant shall cooperate with Landlord's employees, agents and cleaning
personnel in keeping the leased premises neat and clean. No Tenant shall employ
his own cleaning or service personnel except with the prior written permission
of the Landlord and, when so employed, such personnel shall be subject to the
regulations and control of Landlord (but not as agent or servant of Landlord).
Any special cleaning requested by Tenant and performed by Landlord or Landlord's
employees, agents or contractors shall be promptly paid for by Tenant.

22. Landlord shall, at reasonable hours, have the right to enter the leased
premises to examine the same or to make such repairs or alterations as may be
deemed necessary or to exhibit the same to prospective tenants.

23. Landlord shall not be responsible for lost or stolen personal property,
equipment, money or jewelry from Tenant's leased premises or form the common
areas of the building including the parking garage, regardless of whether such
loss occurs when the area is locked against entry. Landlord will not be liable
to Tenant or

                                                                      (initials)

<PAGE>

Tenant's employees, customers, invitees or visitors for any damages or losses to
persons or property caused by other Tenants in the Building or for damages or
losses caused by theft, burglary, assault, vandalism or other crimes. Landlord
shall not by liable for personal injury or loss to Tenant's property from fire,
flood, water leaks, rain, hail, ice, snow, smoke, lightning, wind, explosions,
interruption of utilities or other occurrences unless such injury or damage is
caused by the gross negligence or willful misconduct of Landlord.

24. Tenant shall refer all contractors, contractor's representatives and
installation technicians who render any service on or to Tenant's leased
premises to the Building Manager for approval and supervision before performance
of any service.

25. Removal of furniture or equipment from the Building will require
presentation of written authorization by an authorized representative of the
Tenant. Security guards, janitors and other Building employees will have the
right to challenge all persons leaving the Building with such items.

26. Landlord reserves the right to exclude or expel from the Building any person
who, in the reasonable judgement of Landlord, is intoxicated or under the
influence of liquor or drugs or who shall in any manner do any act in violation
of any rules and regulations of the Building.

27. Tenant shall, give prompt notice to the Building Manager, to the best of
Tenant's knowledge, of any accidents involving injury to persons or property,
including plumbing, electrical, heating, air conditioning, stairwell, corridor
and elevator problems and/or personal injury and property damage caused thereby.

28. Unless otherwise provided for in the lease, Landlord shall not be liable for
damages from stoppage of elevators for repair, service or improvements. Nor
shall Landlord be liable for delays of any duration in connection with the same.

29. Parking is provided for employees of the Tenant permanently assigned and
stationed in the Building as well as customers and guests of the Tenants.
Non-exclusive use of the parking areas in common with other tenants in the
Building is provided. Subject to rules and regulations Landlord imposes for its
use from time to time. Tenant's employees, customers, invitees and guests will
at all times recognize the designated spaces for cars, handicapped, loading
zones and drives. Improperly parked vehicles are subject to towing at the
vehicles owner's expense.

30. Use of the Fitness Center shall be controlled and limited by the Fitness
Center Rules and Regulations.

31. Landlord reserves the right to make such other and further rules and
regulations and/or to amend and modify these Rules and Regulations each as in
its judgement may be necessary for the

                                                                      (initials)

<PAGE>

safety, protection, care and cleanliness of the Building, the operation thereof,
the preservation of good order therein and the protection and comfort of its
Tenants, their employees, agents and invitees. All Tenants and other persons
entering the Building agree to abide by all such rules and regulations herein
stated, and any additional rules and regulations which are adopted. Landlord
shall not be liable to Tenant or Tenant's agents, employees, invitees or
visitors for any damage to person(s) or property due to the failure of such
parties to abide by the Rules and Regulations of the Building.

32. Smoking of cigarettes, cigars, pipes, other tobacco products or illegal
substances is prohibited in all common areas of the building, including, but not
limited to, restrooms, Cafe', building walkways and entrances, elevators,
stairwells, hallways, lobbies, balconies, health or fitness centers, mail rooms,
vending rooms, loading docks, mechanical and electrical rooms, roofs, or other
areas unless specifically posted as a designated smoking area.

33. These rules, and any additional rules, amendments or modifications hereafter
made, shall be binding upon all Tenants of the Building, each Tenant's agents,
servants, employees, customers, invitees and visitors, and all other persons
entering the Building or the property of which the Building forms a part.

                                                                      (initials)

<PAGE>

                                   EXHIBIT C-l

RULES AND REGULATIONS OF THE TOWER PLACE FITNESS CENTER

1.   The Fitness Center will be open to tenants Monday through Friday from 7:00
     a.m. through 7:00 p.m. The Fitness Center will be locked during all
     non-operating hours.

2.   Only full time employees of tenants permanently assigned and stationed in
     the building may use the facility. No visitors are allowed without prior
     express written permission of the management of the building.

3.   No one is authorized to use the facility until he or she has executed a
     release of liability form and submitted it to the property manager.

4.   Anyone using the facility uses it at his own risk and assumes full and
     complete responsibility for any injury or loss that might be suffered as a
     result of such use.

5.   All equipment and facilities must be used in accordance with their
     instructions.

6.   No smoking allowed in the facility.

7.   No alcoholic beverages allowed in the facility. No glass bottles or other
     breakable containers allowed in the facility.

8.   Proper attire must be worn at all times.

9.   No equipment shall be removed from the facility.

10.  No permanent locks are to be left on the lockers.

11.  No clothes, towels or personal articles are to be left in the lockers or
     facilities.

12.  Building management reserves the right to enforce the foregoing rules and
     regulations which may be amended from time to time. This shall include,
     without limitation, denying access to any individual or tenant who has been
     observed frequently violating the rules and regulations.

13.  The fitness center is for the use and benefit of the employees of the
     building tenants only. Please help us keep the facility safe and clean by
     following the rules and regulations.

14.  If you have any questions regarding the use of the fitness center, please
     call the property manager at 287-8855.

                                                                      (initials)

<PAGE>

                                   EXHIBIT C-2

                  RELEASE OF LIABILITY AND INDEMNITY AGREEMENT

          This Agreement is made and entered into as of June ___, 1994, by and
     between 1511 N. Westshore Partners, Ltd. ("Lessor") and VISION CARE,
     INCORPORATED ("Leesee").

1.   RECITALS:

          Lessor is the owner of the Building, known as Tower Place (the
     "Building") located at 1511 N. Westshore Boulevard, Tampa, Florida.

          Lessor and Lessee have entered into a Lease Agreement dated
     June ____, 1994, for a portion of the Building (the "Premises").

          Lessor, at its sole expense, has constructed a Fitness Center, located
     on the first floor of the Building which will be open for the benefit and
     enjoyment of the tenants of the Building. The use of the Fitness Center
     will be subject to certain Rules and Regulations, a copy of which is
     attached hereto as Exhibit "B-1", and the instructions for the specific use
     of the equipment in the Fitness Center, which are conspicuously posted in
     the Fitness Center.

          The Lessor and Lessee, in order to properly administer the use of the
     Fitness Center, and to insure that those using the Fitness Center will
     comply with the Rules and Regulations and the instructions for the use of
     the equipment in the Fitness Center, do hereby agree that:

2.   WARRANTIES AND REPRESENTATIONS;

     A.   Lessor shall provide to the Lessee the Rules and Regulations of the
          Fitness Center, which may from time to time be modified or amended by
          the Lessor.

     B.   The Lessee shall be solely responsible for distributing these Rules
          and Regulations to its employees and further for insuring that these
          Rules and Regulations are strictly followed.

     C.   Lessee shall limit the use of the Fitness Center to those employees
          who have signed and submitted a Release of Liability form to Lessor.

     D.   The Lessor shall have the right, at its sole discretion, to strictly
          enforce the Rules and Regulations, including without limitation, the
          right to deny access to any employee of the Lessee who has been
          observed violating the Rules and Regulations.

     E.   Any employee of the Lessee using the Fitness Center, does so at his
          own risk and, along

                                                                      (initials)

<PAGE>

          with the Lessee, assumes full and complete responsibility for any
          injury or loss, including damage to the Property, which might be
          suffered as a result of such use.

     F.   The Lessee hereby releases Lessor from any liability for any claim
          whatsoever that they might have arising out of any injury which their
          employee may sustain, directly or indirectly, as a result of their
          employees' use of the Fitness Center and further Lessee agrees to
          indemnify and hold harmless the Lessor from any claims or other cause
          or action whatsoever by any party including its employee(s) for any
          injury which their employee, agent, or servant might sustain as a
          result of their use of the Fitness Center.

          IN WITNESS WHEREOF the parties have executed this Agreement as of the
date first above written.

WITNESS:                                LESSOR:

                                        1511 N. Westshore Partners, Ltd.
                                        Second Benjamin, Inc.- General Partner

-------------------------------------   By: /s/ Illegible
                                            ------------------------------------
-------------------------------------   ITS: VICE PRESIDENT

WITNESS:                                LESSEE:
                                        VISION CARE, INC

/s/ Illegible
-------------------------------------   By: /s/ Illegible
/s/ Illegible                               ------------------------------------
-------------------------------------   ITS: PRESIDENT

                                                                      (initials)

<PAGE>

                               CONSENT TO SUBLEASE

Highwoods Non-Orlando, LLC, a Delaware limited liability company, as trustee
under an unrecorded, land trust agreement dated October 9, 2000, known as Tampa
Properties Trust, as successor in interest to MG-HTW, LLC ("Landlord"), as
Landlord under that certain Lease (the "Lease") dated June 8, 1994, by and
between Landlord and CompBenefits Corporation, as the parent company of Vision
Care, Inc., ("Tenant"), as Tenant, subject to and specifically conditioned upon
the following terms and conditions hereby grants its consent to the Sublease
dated _____________, 2003, made by and between, the Tenant, as sublessor, and
John Hancock Life Insurance Company, ("Subtenant"), as Subtenant, a copy of
which is attached hereto as Exhibit A (the "Sublease") covering certain premises
(the "Premises") as more particularly described in the Sublease, in the building
known as Tower Place with an address of 1511 N. Westshore Boulevard, Tampa,
Florida, 33607.

     The capitalized terms used herein and not otherwise defined shall have the
meanings ascribed thereto in the Lease. This Consent to Sublease and the
acknowledgment and acceptance of the conditions hereof may be executed in
counterparts, each of which shall be considered an original but constituting one
and the same document

As conditions to the consent of Landlord to the Sublease, it is understood and
agreed as follows:

1.   NO RELEASE. This Consent to Sublease shall in no way  release the Tenant or
     any person or entity claiming by, through or under Tenant, including
     Subtenant, from any of its covenants, agreements, liabilities and duties
     under the Lease (including, without limitation, all duties to cause and
     keep Landlord and others named or referred to in the Lease fully insured
     and indemnified with respect to any acts or omissions of Subtenant or its
     agents, employees or invitees or other matters arising by reason of the
     Sublease or Subtenant's use or occupancy of the Premises), as the same may
     be amended from time to time, without respect to any provision to the
     contrary in the Sublease.

2.   SPECIFIC PROVISIONS OF LEASE AND SUBLEASE. This Consent to Sublease
     consenting to a sublease to Subtenant does not constitute approval by
     Landlord of any of the provisions of the Sublease document or agreement
     thereto or therewith; nor shall the same be construed to amend the Lease in
     any respect, any  purported modifications being solely for the purpose of
     setting forth the rights and obligations as between Tenant and Subtenant,
     but not binding Landlord.

3.   AMENDMENT OF SUBLEASE. Tenant and Subtenant shall not amend in any respect
     the Sublease without the prior written approval of Landlord. In no event
     shall any such amendment affect or modify or be deemed to affect or modify
     the Lease in any respect.

4.   LIMITED CONSENT. Except as otherwise set forth herein, this Consent to
     Sublease does not and shall not be construed or implied to be a consent to
     any other matter for which Landlord's consent is required under the Lease,
     including without limitation, any alterations under Section 10 of the
     Lease.

5.   TENANT'S CONTINUING LIABILITY. Tenant shall be liable to Landlord for any
     default under the Lease, whether such default is caused by Tenant or
     Subtenant or anyone claiming by or through either Tenant or Subtenant, but
     the foregoing shall not be deemed to restrict or diminish any right which
     Landlord may have against Subtenant pursuant to the Lease, in law or in
     equity for violation, of the Lease or otherwise, including, without
     limitation, the right to enjoin or otherwise restrain any violation of the
     Lease by Subtenant.

6.   ACCEPTANCE BY TENANT AND SUBTENANT. Tenant and Subtenant understand and
     acknowledge that Landlord has agreed to execute this Consent to Sublease
     based upon Tenant's and Subtenant's acknowledgment and

                                     Page 1

<PAGE>

     acceptance of the terms and conditions hereof.

7.   SUBORDINATION. The Sublease is, in all respects, subject and subordinate to
     the Lease, as the same may be amended. Furthermore, in the case of any
     conflict between the provisions of this Consent to Sublease or the Lease
     and the provisions of the Sublease, the provisions of this Consent to
     Sublease or the Lease, as the case may be, shall prevail unaffected by the
     Sublease.

8.   ADDITIONAL RENT. Notwithstanding anything to the contrary herein, Tenant
     acknowledges and agrees that Tenant will promptly pay to Landlord
     throughout the Term of the Lease any Additional Rent owed to Landlord as
     required under Section 4 of the Lease, and otherwise comply with the
     provisions of Section 4 and any other Section of the Lease which may be
     relevant to the Sublease. Without limiting the generality of the foregoing,
     Tenant specifically agrees to pay all of Landlord's reasonable costs,
     charges and expenses, including attorneys' fees, incurred in connection
     with the Sublease and this Consent to Sublease upon, submission of bills
     therefor, and that the failure to pay the same upon demand shall be a
     default under the Lease.

9.   TERMINATION OF LEASE. If at any time prior to the expiration of the term of
     the Sublease the Lease shall be in default beyond the applicable curative
     periods, terminate or be terminated for any reason (or Tenant's right to
     possession shall terminate without termination of the Lease), the Sublease
     shall simultaneously terminate. However, Subtenant agrees, at the election
     and upon written demand of Landlord, and not otherwise, to attorn to
     Landlord for the remainder of the term of the Sublease, such attornment to
     be upon all of the terms and conditions of the Lease, except the Base Rent
     set forth in the Sublease shall be substituted for the Base Rent set forth
     in the Lease and the computation of Additional Rent as provided in the
     Lease shall be modified as set forth in the Sublease. The foregoing
     provisions of this paragraph shall apply notwithstanding that, as a matter
     of law, the Sublease may otherwise terminate upon the termination of the
     Lease and shall be self-operative upon such written demand of the Landlord,
     and no further instrument shall be required to give effect to said
     provisions. Upon the demand of Landlord, however, Subtenant agrees to
     execute, from time to time, documents in confirmation of the foregoing
     provisions of this paragraph satisfactory to Landlord in which Subtenant
     shall acknowledge such attornment and shall set forth the terms and
     conditions of its tenancy. Nothing contained in this paragraph shall be
     construed to impair or modify any right otherwise exercisable by the
     Landlord, whether under the Lease, any other agreement or in law.

10.  SERVICES. Tenant hereby agrees that Landlord may furnish to the Premises
     services requested by Subtenant other than or in addition to those to be
     provided under the Lease, and bill the Subtenant directly for such services
     for the convenience of and without notice to Tenant. Subtenant hereby
     agrees to pay Landlord all amounts which may become due for such services
     on the due dates therefor. If Subtenant shall fail to do so, however, and
     if Tenant has been notified in advance in writing about the furnishing of
     such other or additional services to Subtenant and Tenant does not notify
     Landlord of its protest of same within ten (10) days following such notice,
     Tenant agrees to pay such amounts to Landlord upon demand as Additional
     Rent under the Lease, and the failure to pay the same upon demand shall be
     a payment default under the Lease.

11.  NO WAIVER; NO PRIVITY. Nothing herein contained shall be deemed a waiver of
     any of the Landlord's rights under the Lease. In no event, however, shall
     Landlord be deemed to be in privity of contract with Subtenant or owe any
     obligation or duty to Subtenant under the Lease or otherwise, any duties of
     Landlord under the Lease being in favor of, for the benefit of and
     enforceable solely by Tenant

                                     Page 2

<PAGE>

12.  NOTICES. Subtenant agrees to promptly deliver a copy to Landlord of all
     notices of default and all other notices sent to Tenant under the Sublease,
     other than ministerial notices, and Tenant agrees to promptly deliver a
     copy to Landlord of all such notices sent to Subtenant under the Sublease.
     All copies of any such notices shall be delivered personally or sent by
     United States registered or certified mail, postage prepaid, return receipt
     requested, to Highwoods Non-Orlando, LLC, 3111 W. Dr. Martin Luther King,
     Jr. Blvd., Suite 300, Tampa, Florida 33607, Attn: Lease Administrator, or
     to such other place or persons as Landlord or its agent may from time to
     time designate.

13.  RESERVATION OF RIGHTS. This Consent to Sublease shall be deemed limited
     solely to the Sublease, and Landlord reserves the right to consent or to
     withhold consent and all other rights under the Lease with respect to any
     other matters including, without limitation, any proposed alterations
     (except as otherwise set forth herein) and with respect to any further or
     additional subleases, assignments or transfers of the Lease or any interest
     therein or thereto including, without limitation, a sublease or any
     assignment of this Sublease.

14.  RIGHT TO CURE SUBTENANT DEFAULT. Tenant shall be notified in writing of any
     events of default of the Lease by Subtenant in the event Landlord intends
     to declare a default under the Lease as to Subtenant and in such event,
     Tenant shall have the right to timely cure such default as set forth in the
     Lease.

15.  ALTERATIONS AT TERMINATION. Upon termination of the Lease and Sublease, as
     the case may be, Tenant and Subtenant, as the case may be, shall leave in
     the Premises all tenant improvements now located within the Premises
     together with any alterations or improvements described on Subtenant's
     plans and specifications which have been submitted to Landlord and which
     plans and specifications Landlord has in writing approved of and consented
     to ("Subtenant's Work"). Any additions, improvements, or alterations to
     the Premises installed by the Tenant or Subtenant after __________, 2003,
     other than Subtenant's Work, shall be removed at Tenant's or Subtenant's
     cost, as appropriate, unless prior to construction or installation, Tenant
     or Subtenant, as appropriate, obtains Landlord's prior written consent
     (which consent shall not be unreasonably withheld or delayed), to leave
     same upon termination. All such items left in the Premises shall be left in
     good condition and repair, reasonable wear and tear excepted.

16.  RELEASE OF LANDLORD. Tenant acknowledges and agrees that through the date
     hereof, Landlord, its predecessors in interest, and their respective
     partners, directors, officers, employees and agents have fully and
     completely performed all of the obligations on their part to be performed
     under the Lease, and thus Tenant has no claim or cause of action against
     them under the Lease or otherwise.

17.  TENANT AND SUBTENANT BOUND. By executing this Consent to Sublease, Tenant
     and Subtenant acknowledge and agree to be bound by all of the terms and
     conditions of Landlord's consent to the Sublease as set forth herein.

18.  NO OFFER. This Consent to Sublease is submitted on the understanding that
     it will not be considered an offer and will not bind Landlord in any way
     until (a) Tenant and Subtenant have duly executed and delivered duplicate
     originals to Landlord and (b) Landlord has executed and delivered one of
     such originals to Tenant and Subtenant.

19.  DATE OF CONSENT TO SUBLEASE. For reference purposes only, this Consent to
     Sublease is dated this ______day of December, 2003.

                                     Page 3

<PAGE>

     IN WITNESS WHEREOF, this Consent to Sublease has been executed on behalf of
Landlord, Tenant, and Subtenant as of the Date of this Sublease.

WITNESSES:                              LANDLORD:

                                        Highwoods Non-Orlando, LLC,
-------------------------------------   a Delaware limited liability company,
                                        as trustee under an unrecorded
-------------------------------------   land trust agreement dated
Print Name                              October 9, 2000, known as
                                        Tampa Properties Trust

-------------------------------------   By: Highwoods Realty Limited
                                            Partnership,
-------------------------------------       A North Carolina limited
Print Name                                  partnership, as Agent

                                        By: Highwoods Properties, Inc.,
                                            a Maryland corporation,
                                            its sole general partner

                                        By:
                                            ------------------------------------
                                            Stephen A. Meyers
                                        Title: Vice President - Tampa
                                        Date:
                                              ----------------------------------

                                        TENANT:
                                        COMPBENEFITS CORPORATION
/s/ Kimela S. Comstock
-------------------------------------
Kimela S. Comstock                      By: /s/ Bruce A. Mitchell
(Print or type name)                        ------------------------------------
                                            (Print Name)
                                        Title: Ex. VP.
/s/ Rosa M Vichcales                    Date Executed: 12/18/03
-------------------------------------
Rosa Vichcales
(Print or type name)

                                        SUBTENANT:
                                        JOHN HANCOCK LIFE INSURANCE COMPANY

/s/ Illegible
-------------------------------------   By: /s/ William H. Palmer
                                            ------------------------------------
-------------------------------------       William H. Palmer
(Print or type name)                        Senior Vice President
                                        Date Executed: 12/16/03

/s/ Marilyn Puopolo
-------------------------------------
/s/ Marilyn Puopolo
-------------------------------------
(Print or type name)

                                     Page 4

<PAGE>

                       FIRST AMENDMENT TO LEASE AGREEMENT

THIS FIRST AMENDMENT TO LEASE AGREEMENT (the "First Amendment") is made and
entered into as of the 3rd day of December, 1998 by and between Highwoods/
Florida Holdings L.P. having an office at 9720 Princess Palm Avenue, Suite 140,
Tampa, Florida 33619, ("Landlord") and Vision Care, Inc. having an office at
1511 N. Westshore Blvd., Suite 101, Tampa, FL 33607("Tenant").

                                   WITNESSETH

A.   Landlord, as successor in interest to 1511 N. Westshore Partners, Ltd., and
     Tenant entered into a Lease Agreement (the "Original Lease") for an initial
     lease term commencing September 1, 1994, with an expiration date being
     October 31, 1999, relating to certain premises (the "Premises") in the
     building known as Tower Place, having a street address of 1511 N. Westshore
     Blvd., Tampa, FL 33607 (the "Building").

B.   Landlord and Tenant desire to amend the Lease to, among other things,
     expand the Premises consisting of 7,349 rentable square feet located on the
     sixth (6th) floor (Expansion Area) and extend the term of the Lease until
     December 31, 2004, and revise the base annual rent.

NOW, THEREFORE, in consideration of the following provisions and for other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:

1.   Recitals. The recitals set forth hereinabove are true and correct and such
     recitals and the Lease are incorporated herein by this reference.

2.   Leased Premises. The term "Leased Premises" or "Premises" is hereby stated
     to be that portion of the Building containing 20,024 rentable square feet
     (Suite 610 consisting of 5,075 rsf, Suite 620 consisting of 2,274 rsf and
     Suite 1000 consisting of 12,675 rsf).

3.   Term. The Lease Term, which expires on October 31, 1999, is changed and
     extended to, and shall expire on, midnight of December 31, 2004. This
     period shall hereinafter be referred to as the "First Renewal Term".
     Landlord shall deliver the Expansion Area for construction on or before
     December 1, 1998, and deliver the Expansion Area substantially completed on
     or before January 15, 1999. Notwithstanding the above, Landlord will
     provide a thirty (30) day construction period which is scheduled to be
     December 1, 1998 to December 31, 1998. In the event Landlord does not
     deliver the Premises for the Expansion Area in a substantially completed
     form on or before January 1, 1999, and such delay, is caused by Landlord,
     the Commencement Date for the Expansion Area only shall be extended one (1)
     day for every day delayed and the Expiration Date for the entire Premises
     shall be extended one (1) day for every day delayed.

4.   Rent. Article 4, entitled "Annual Base Rent" is hereby revised with the
     following:

     Rent for the Premises for the period 1/15/99 - 12/31/2004 has been
     determined as follows:

<TABLE>
<CAPTION>
                    Area    Rate per    Monthly       Annual
     Period        Leased    Sq. Ft.   Base Rent    Base Rent
     ------        ------   --------   ---------   -----------
<S>                <C>      <C>        <C>         <C>
1/15/99-12/31/99   20,024    $21.00     $35,042    $391,817.83
1/1/00-12/31/00    20,024    $21.53     $35,926    $   431,112
1/1/01-12/31/01    20,024    $22.07     $36,828    $   441,936
1/1/02-12/31/02    20,024    $22.62     $37,745    $   452,940
1/1/03-12/31/03    20,024    $23.19     $38,696    $   464,352
1/1/04-12/31/04    20,024    $23.78     $39,681    $   476,172
</TABLE>

<PAGE>

     The above amounts do not include applicable Florida State sales and use
     taxes, which taxes shall be paid by Tenant with each payment of Base
     Monthly Rent. Tenant shall be entitled to an abatement of rent for the
     month of February 1999 on the 6th floor space.

5.   Tenant Improvements. Landlord shall provide Tenant with a design and tenant
     improvement allowance of $140,168 to be applied toward the design and
     construction of any and/or all suites leased by Tenant. Should Tenant
     Improvements exceed this allowance, Landlord at Tenant's option shall agree
     to amortize up to an additional $4.00 psf over the term of the Lease at an
     interest rate of eight percent (8%) and increase the Annual Base Rent
     accordingly. Notwithstanding the above, Tenant may use the allowance
     towards the design and construction of the Premises and such construction
     may include Tenant's telecommunication cabling.

6.   Additional Rent. The Expense Stop defined in Paragraph 4.b of the Original
     Lease Agreement shall be changed from "$7.00" to the "actual Operating
     Expenses for calendar year 1998".

7.   Radon Disclosure. The following is given to comply with Section 404.056(8),
     Florida Statutes: Radon is a naturally occurring radioactive gas that, when
     it has accumulated in a building in sufficient quantities, may present
     health risks to persons who are exposed to it over a time. Levels of radon
     that exceed federal and state guidelines have been found in buildings in
     Florida. Additional information regarding radon and radon testing may be
     obtained from your county public health unit.

8.   No Smoking. Tenant shall not allow any smoking in the Premises except in
     the rooms Designed and constructed to accommodate smoking and to prevent
     smoke from entering the plenum or any other portion of the Premises or the
     Building. Landlord reserves the right to promulgate additional rules for
     the Building which may include fines upon tenants of the building who do
     not cause their employees to comply with rules prohibiting or limiting
     smoking in the Premises, the Building and/or areas adjacent to the
     Building.

9.   Effective Date. The provisions of this First Amendment shall become
     effective as of the Effective Date, which shall be the date Landlord signed
     this First Amendment.

10.  Other Lease Provisions. Except as amended by this First Amendment, the
     Lease and all of its terms and provisions shall remain in full force and
     effect. In the event of any conflict between the provisions of this
     Amendment and provision of the Lease, the provisions of this First
     Amendment shall control. All capitalized terms herein shall have the same
     meanings as they have in the Lease, unless otherwise defined herein.

11.  Parking. All parking provided in original Lease shall be the same as the
     current Lease, except Tenant shall be entitled to a total parking ratio of
     5 spaces per 1,000 rentable square feet leased by Tenant, free of charge,
     located on floors 2 through 6 of the parking garage; included in this ratio
     shall be three (3) reserved parking spaces.

12.  Renewal Option. By providing nine (9) months' written notice, Tenant shall
     have an option to extend their Lease one (1) additional, five (5) year
     Lease Term under market terms and conditions. If the parties cannot agree
     on the market terms and conditions, the parties will arbitrate to resolve.

13.  Subordination. Landlord will provide Tenant with Subordination and
     Non-Disturbance Agreement from all current and future mortgagees.

13.5 Liens. Paragraph 45 of the Lease shall be deleted.

<PAGE>

14.  Expansion. RIGHT OF FIRST REFUSAL. Provided Tenant is not in default as of
     the date of exercise of its right of first refusal, and Tenant has not done
     anything nor failed to do anything that, with the passage of time and/or
     the giving of notice, would constitute a default hereunder, Tenant shall
     have a right of first refusal on all or a portion of the seventh (7th)
     floor totaling 18,678 rentable square feet of Additional Space in the
     Building as depicted on Exhibit A. In no event shall the expansion area
     takedown be less than fifty percent (50%) of the entire floor. Provided
     Landlord receives a bona fide offer from a third party on any portion of
     the Additional Space, Landlord will provide Tenant with such notice of
     offer, and Tenant shall have ten (10) days to agree to lease space offered
     at same rental rate then being paid by Tenant with prorated Tenant
     Improvements, notwithstanding the above, the lease term for expansion space
     shall be coterminous with the original term; however, no less than a total
     term of three (3) years.

15.  No Default by Landlord. Tenant hereby acknowledges that to the best of
     Tenant's current actual knowledge, without investigation or inquiry, as of
     the date of execution of this First Amendment, there exists no defenses or
     offsets to enforcement of the Lease by Landlord and Landlord is not in
     default in the performance of the Lease. Landlord acknowledges that Tenant
     is not in default under the Lease.

16.  Brokerage. Tenant and Landlord represents and warrants that each has dealt
     with no other broker other than Tenant's broker, Cushman and Wakefield, and
     Landlord's broker, Highwoods Florida G.P. Corporation (HIW) in connection
     with this transaction.

17.  Florida Law. This First Amendment and the Lease shall be construed and
     interpreted. under the laws of the State of Florida.

18.  Condition. This document is subject to Landlord executing two (2) separate
     Surrender of Lease Agreements by and between Landlord, Private Healthcare
     Systems, Inc. and St. Augustine Healthcare.

<PAGE>

IN WITNESS WHEREOF, this First Amendment has been duly executed by the parties
hereto effective as of the Effective Date.

WITNESSES:                              "LANDLORD":
                                        Highwoods/Florida Holdings L.P.
                                        By its Agent, Highwoods Properties, Inc.
/s/ Steve Gamty
-------------------------------------
Printed Name: Steve Gamty               By: /s/ Stephen A. Meyers
                                            ------------------------------------
                                        Printed Name: Stephen A. Meyers,
/s/ Illegible                                         Regional Vice President
-------------------------------------   Date: 1-12-99
Printed Name:
              -----------------------

                                        "TENANT":
                                        Vision Care, Inc.
/s/ Illegible
-------------------------------------
Printed Name:                           By: /s/ Stanley Shapiro
              -----------------------       ------------------------------------
                                        Printed Name: Stanley Shapiro
                                        Title: President
/s/ Nori Pino                           Date: 11/18/98
-------------------------------------
Printed Name: Nori Pino

<PAGE>

                                   EXHIBIT A

                                  (FLOOR PLAN)

<PAGE>

                       SECOND AMENDMENT TO LEASE AGREEMENT

THIS SECOND AMENDMENT TO LEASE AGREEMENT (the "Second Amendment") is made and
entered into as of the 31st day of August, 2001 by and between MG-HIW, LLC, as
trustee under an unrecorded land trust agreement, dated as of October 9, 2000,
known as Tampa Properties Trust, by Highwoods Realty Limited Partnership as
property manager, having an office at 3111 W. Dr. Martin Luther King, Jr.
Boulevard, Suite 300, Tampa, Florida 33607, as successor in interest to
Highwoods/Florida Holdings, L.P. ("Landlord") and CompBenefits Corporation
("Tenant").

                                   WITNESSETH

A.   Landlord and Tenant, parent company and owner of Vision Care, Inc., entered
     into a Lease Agreement (the "Original Lease") dated June 8, 1994,
     subsequently modified and amended by a certain First Amendment to Lease
     Agreement dated December 3, 1998, (such documents are collectively
     hereinafter referred to as the "Prime Lease") and relating to certain
     premises (the "Premises") in the building known as Tower Place, having a
     street address of 1511 N. Westshore Boulevard, Tampa, Florida 33607 (the
     "Building"). CompBenefits expressly assumes all of the obligations of
     Vision Care, Inc. under this Lease.

B.   Landlord and Tenant desire to amend the Lease to, among other things,
     expand the Premises and revise the base annual rent.

NOW, THEREFORE, in consideration of the following provisions and for other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows:

1.   Recitals. The recitals set forth hereinabove are true and correct, and such
     recitals and the Lease are incorporated herein by this reference.

2.   Leased Premises. Currently Tenant leases 20,024 rentable square feet
     consisting of Suites 610 and 620 totaling 7,349 rentable square feet on the
     sixth floor and Suite 1000 totaling 12,675 rentable square feet on the 10th
     floor of the Building. Effective upon substantial build-out of the Premises
     as described in Exhibit "C" ("Second Expansion Commencement Date"), Tenant
     shall expand into Suite 870 consisting of 4,862 rentable square feet
     located on the eighth floor ("Second Expansion Space"); upon Second
     Expansion Commencement Date", Tenant's total Premises shall consist then of
     24,886 rentable square feet on the sixth, eighth and tenth floors as
     depicted in Exhibit A.

3.   Term. The Lease Term for Suites 610, 620 and 1000 shall expire on December
     31, 2004. The Lease Term for Suite 870 shall expire five (5) years from the
     Second Expansion Commencement Date. Tenant shall be entitled to two (2)
     weeks early occupancy prior to the Second Expansion Commencement Date.

4.   Rent. Rent for Suites 610, 620 and 1000 shall remain as stated in the
     Original Lease and First Amendment to Lease Agreement. Article 4, entitled
     "Rent" is hereby revised to add the following:

     Rent for Suite 870 has been determined as follows:

<TABLE>
<CAPTION>
                  Area    Rate per     Monthly       Annual
    Period       Leased    Sq. Ft.    Base Rent    Base Rent
    ------       ------   --------   ----------   -----------
<S>              <C>      <C>        <C>          <C>
3/1/02-2/28/03    4,862    $22.00    $ 8,913.67   $106,964.04
3/1/03-2/28/04    4,862    $22,66    $ 9,181.09   $110,172.96
3/1/04-2/28/05    4,862    $23.34    $ 9,456.59   $113,479.08
3/1/05-2/28/06    4,862    $24.04    $ 9,740.21   $116,882.52
3/1/06-2/28/07    4,862    $24.76    $10,031.93   $120,383.16
</TABLE>

                                       1

<PAGE>

*    Estimated substantial completion date is November 1, 2001. The actual date
     is pursuant to substantial completion as described in Exhibit "C" attached
     hereto. The expiration date shall be 60 months from the date of Substantial
     Completion.

     The above amounts do not include applicable Florida State sales and use
     taxes, which taxes shall be paid by Tenant with each payment of Base
     Monthly Rent.

5.   Tenant Improvements. Landlord shall provide Tenant with a tenant
     improvement allowance of $72,930.00 as described in Exhibit "C".

6.   Additional Rent. The Expense Stop for Suites 610, 620 and 1000 shall be the
     Expense Stop stated in the Original Lease and the First Amendment. The
     Expense Stop for the Second Expansion Space shall be as described in
     Exhibit "B" attached hereto.

7.   Subordination-Attornment-Landlord Financing. This Lease is and shall be
     subject and subordinate to any and all mortgages, deeds of trust, deeds to
     secure debt and related documents now or at any time hereafter covering the
     Premises (including all advances made thereunder), and to all extensions,
     increases, amendments, renewals, replacements and restatements thereof
     (collectively, a "Mortgage") for the benefit of any and all holders of any
     notes, guaranties, indebtedness or other obligations secured by any such
     Mortgage (each such holder, together with its successors and assigns and
     any nominees or designees thereof, a "Mortgagee"). Tenant agrees that such
     subordination shall be self-operative and that no documentation other than
     this Lease is required to evidence such subordination. Notwithstanding the
     forgoing, if any Mortgagee elects at any time to have this Lease be
     superior to the lien of any Mortgage and gives notice of such election to
     Tenant, then this Lease will be deemed superior to the lien of such
     Mortgage(s) whether this Lease is dated prior or subsequent to the date of
     such Mortgage(s) or the date of recording thereof. In confirmation of such
     subordinate or superior position, as the case may be, and without limiting
     the self-operative nature of this Section, Tenant will execute such
     documents as may be required by Mortgagee within five (5) days of receipt.
     Tenant hereby agrees to attorn to each successor owner of the Building and
     recognize such successor owner as Tenant's landlord under this Lease as if
     this Lease was a direct lease between such successor owner and Tenant,
     whether such ownership is acquired by sale, foreclosure of a Mortgage,
     transfer in lieu of foreclosure or otherwise. In the event of any alleged
     default by Landlord under this Lease, Tenant shall give written notice
     thereof to each Mortgagee, provided that prior to such notice Tenant has
     been notified (by way of notice of an Assignment of Rents and Leases, or
     otherwise) of the name and address of such Mortgagee. If Landlord fails to
     cure such default, after such notice and cure period, Mortgagee shall have
     an additional 30 days following a second written notice from Tenant or, if
     such default cannot be cured by Mortgagee within that time, such additional
     time as may be necessary in order to cure the same, provided that, within
     such 30 day period, Mortgagee commences and diligently pursues a cure of
     such default (including commencement of foreclosure proceedings if
     necessary to effect such cure). Tenant's sole remedy for any default by
     Landlord hereunder will be equitable relief or actual damages, and in no
     event shall Landlord or any Mortgagee be responsible for any consequential
     damages or lost profit incurred by Tenant as a result of any default by
     Landlord hereunder. If a Mortgagee or any transferee following any
     foreclosure of any Mortgage or transfer in lieu of foreclosure succeeds to
     Landlord's interest as a result of foreclosure, transfer in lieu of
     foreclosure or otherwise, then such party shall not be: (i) liable for any
     default or accrued obligation of Landlord, nor subject to any claim,
     counterclaim, setoff or defense that Tenant may have against Landlord; (ii)
     bound by any amendment, waiver or modification (including an agreement for
     early termination) of this Lease entered into or given without such party's
     consent at any time after notice to Tenant that such party requires such
     consent; (iii) bound by any payment of Rent more than 30

                                        2

<PAGE>

     days in advance; (iv) liable for any security deposit or other monies not
     actually received by such party; and (v) liable beyond such party's
     interest in the Premises. Tenant agrees to pay Rent (and will receive
     credit under this Lease) as directed in any notice from any Mortgagee which
     states that Landlord is in default under a Mortgage and that such Mortgagee
     is entitled to collect Rent.

8.   Relocation. Landlord has the right on or before 48 months from Lease
     Commencement upon 60 days' prior written notice to Tenant to substitute
     other space within the Building, including substantially comparable tenant
     finish, for all or a substantial portion of the Premises (the "Substitute
     Premises"). Tenant shall relocate to the Substitute Premises on the date
     specified in Landlord's notice which will be no sooner than 60 days after
     notice. Landlord will pay all reasonable expenses, such as stationary and
     notification to clients but not limited to incurred by Tenant to move its
     furniture, fixtures, and equipment to the Substitute Premises. The suite
     number designation and Exhibit A shall be deemed revised to reflect the
     description of the Substitute Premises. Landlord shall provide, at
     Landlord's cost, new suite signage. Except for such revisions, the
     provisions of this Lease are applicable to the Substitute Premises which
     are the Premises following Tenant's move; at the request of either party
     following Landlord's notice, the parties shall execute an amendment to the
     Lease evidencing such relocation and revisions to the Lease.

9.   HVAC. Landlord and Tenant agree that the existing 5 ton air conditioning
     unit which replaced the 3 ton air conditioning unit in the computer room
     located on the 10th floor will be maintained and serviced by Landlord at
     Landlord's expense. Notwithstanding the above, Tenant shall be responsible
     for all Tenant supplied equipment, and Landlord shall not be responsible
     for any damage caused by interruption of service. In the event Tenant
     installs an HVAC unit in Suite 870. such costs shall be paid by the Tenant
     Improvement Allowance and serviced, maintained and any such HVAC unit shall
     be separately metered by Tenant at Tenant's cost.

10.  Radon Disclosure. The following is given to comply with Section 404.056(8),
     Florida Statutes: Radon is a naturally occurring radioactive gas that, when
     it has accumulated in a building in sufficient quantities, may present
     health risks to persons who are exposed to it over a time. Levels of radon
     that exceed federal and state guidelines have been found in buildings in
     Florida. Additional information regarding radon and radon testing may be
     obtained from your county public health unit.

11.  No Smoking. Tenant shall not allow any smoking in the Premises except in
     the rooms designed and constructed to accommodate smoking and to prevent
     smoke from entering the plenum or any other portion of the Premises or the
     Building. Landlord reserves the right to promulgate additional rules for
     the Building which may include fines upon tenants of the Building who do
     not cause their employees and invitees to comply with rules prohibiting or
     limiting smoking in the Premises, the Building and/or areas adjacent to the
     Building.

12.  Effective Date. The provisions of this Second Amendment shall become
     effective as of the Effective Date, which shall be upon full execution of
     this Second Amendment.

13.  Other Lease Provisions. Except as amended by this Second Amendment, the
     Lease and all of its terms and provisions shall remain in full force and
     effect. In the event of any conflict between the provisions of this
     Amendment and provision of the Lease, the provisions of the Second
     Amendment shall control. ALL capitalized terms herein shall have the same
     meanings as they have in the Lease, unless otherwise defined herein.

14.  No Default by Landlord. Tenant hereby acknowledges that to the best of
     Tenant's current actual knowledge, without investigation or inquiry, as of
     the date of execution of this Second

                                        3

<PAGE>

     Amendment, there exists no defenses or offsets to enforcement of the Lease
     by Landlord and Landlord is not in default in the performance of the Lease.
     Landlord acknowledges that Tenant is not in default under the Lease.

15.  Brokerage. Landlord and Tenant represent and warrant that they neither
     consulted nor negotiated with any broker or finder with respect to the
     Premises except CB Richard Ellis, as Tenant's broker and Highwoods Florida
     G. P. Corporation, as Landlord's Broker, both of whom shall be paid by
     Landlord pursuant to a separate fee agreement. Landlord and Tenant agree to
     indemnify, protect, defend, and save the other harmless from and against
     any claims for fees or commissions from anyone with whom they have dealt in
     connection with the Premises or this Agreement including attorneys' fees
     incurred in connection with the defense of any such claim.

16.  Florida Law. This Second Amendment and the Lease shall be construed and
     interpreted under the laws of the State of Florida.

17.  Parking. Attached hereto as Exhibit "D" is the Parking Agreement.

18.  RIGHT OF FIRST OFFER.

          A.   Notice of Availability

          When Landlord is made aware that the premises known as Suite 820 and
          outlined on the plan attached hereto (the "Offer Space") as Exhibit
          "A" is becoming available for lease to Tenant. Landlord shall, by
          notice, offer to lease the Offer Space to Tenant. The Offer Space
          shall be deemed available for lease to Tenant when the existing lease
          (or the first lease of presently vacant Offer Space) expires or
          terminates and tenants in the Building (if any) with prior rights to
          lease and the tenant or subtenant then in possession of the Offer
          Space have no desire to enter into a lease of the Offer Space with
          Landlord. The notice shall set out the rent which Landlord would
          accept for the Offer Space at that time and the date(s) (if any) that
          another tenant of the Building has prior rights to lease the Offer
          Space.

          B.   Right of First Offer

          Tenant may lease the Offer Space upon the terms and conditions set out
          in this Section 18, only if:

          (a)  Tenant delivers to Landlord written notice exercising its right
               to lease the Offer Space within five (5) days of Landlord's
               notice of availability of the Offer Space.

          (b)  Tenant has complied with and performed all of the terms and
               covenants of the Lease and is not in default hereunder at the
               time Landlord gives its notice of availability or at the
               commencement of the lease of Offer Space.

          (d)  There has been no effective change of control of Tenant at the
               time of Landlord's notice of availability or commencement of the
               lease of Offer Space.

          If Tenant fails to exercise its right to lease the Offer Space, Tenant
          shall have no further right to lease the Offer Space under this
          Section 18.

                                        4

<PAGE>

          C.   Terms

          A lease of space under this Section 18 shall contain the following:

          (a)  Annual Rent shall be equal to the amount set out in Landlord's
               notice of availability of the Offer Space, but in no event will
               the rent be lower than the Base Rent currently being paid by
               Tenant;

          (b)  The term shall begin on the date the Offer Space becomes
               available for releasing and end on the expiration or earlier
               termination of this Lease but in no event less than a three (3)
               year term, subject to the same option to renew (if any) as set
               forth in this Lease or such earlier date (if any) that another
               tenant of the Building leases the Offer Space pursuant to rights
               superior to those of Tenant;

          (c)  Landlord shall provide, at Landlord's cost, a proportionate share
               (based on the term of the Offer Space) of Tenant Improvements
               offered in this Second Amendment.

          (d)  The other terms and conditions shall be as set out in Landlord's
               then-current standard form of lease for the Building.

          D.   Documentation.

          Landlord and Tenant shall execute and deliver appropriate
          documentation to evidence any lease of space under this Section 18.

19.  Right to Renew.

     19.01 Grant. Landlord grants to Tenant the one-time option to renew this
          Lease upon the terms and conditions set out in this Article 19 if:

     (a)  Tenant delivers to Landlord, not later than six (6) months prior to
          the end of the original Term, written notice exercising its option to
          renew this Lease.

     (b)  Tenant has complied with and performed all of the terms and covenants
          of this Lease, and is not in default hereunder at the time it
          exercises its option or at the commencement of the renewal term.

     (c)  and

     (d)  No effective change of control of Tenant has occurred at the time it
          exercises its option or at the commencement of the renewal term.

     19.02 Terms. During the renewal term:

     (a)  Base Rent shall be the Market Rent as agreed by Landlord and Tenant
          but in no event less than the Base Rent payable in regard to the
          highest amount payable during the original Term; such Base Rent shall
          increase annually;

     (b)  The term of the renewal Lease shall be three (3) years, commencing
          upon the expiration of the original Term with no further right of
          renewal; and

     (c)  The remaining terms and conditions of the renewal Lease shall be as
          set out in Landlord's then current standard form of Lease for the
          Building, and shall include other typical provisions governing
          escalation of Base Rent, operating expenses and similar matters.

                                        5

<PAGE>

     19.03 Documentation.

     Landlord and Tenant shall execute and deliver appropriate documentation to
     evidence renewal and the terms and conditions of the renewal Lease within
     30 days from Tenant's written notice exercising it's right to renew. If
     such document is not fully executed within such period, Tenant shall not
     have a right to renew.

                                        6

<PAGE>

20.  Antenna Right. Tenant shall have the non-exclusive right to install,
     operate and maintain no more than two (2) antennae on the roof of the
     Building on a site approved by Landlord. Tenant shall submit plans for the
     design and installation of the antennae for Landlord's reasonable approval.
     Tenant shall be responsible for all costs of installation, including any
     structural improvements, roof repairs or related costs incurred as a result
     of such installation. Such antennae shall not interfere with the operations
     of Landlord or other tenants occupying the Building or the roof. The
     equipment shall remain the property of the Tenant, and upon Lease
     expiration, Tenant shall remove the antennae and restore the roof to its
     original condition.

                                        7

<PAGE>

21.  Notices.

          LANDLORD:           MG-HIW TAMPA, LLC
                              c/o Highwoods Properties, Inc.
                              3100 Smoketree Court, Suite 600
                              Raleigh, North Carolina 27604
                              Attn: Corporate Counsel

          WITH A COPY TO:     MG-HIW TAMPA, LLC
                              c/o Miller Global Properties, LLC
                              4643 South Ulster Street, Suite 1500
                              Denver, Colorado 80237
                              Attn: Paul Hogan and Donald Spiegleman

          WITH A COPY TO:     Highwoods Properties, Inc.
                              3111 W. Martin Luther King, Jr. Blvd., #300
                              Tampa, Florida 33607
                              Attn: Lease Administrator

     RENT PAYMENT ADDRESS:    MG-HIW TAMPA, LLC
                              c/o MG-HIW, LLC
                              Department #NC00020
                              P.O. Box 530110
                              Atlanta, Georgia 30353-0110

     LANDLORD'S TAX I.D.:     84-1566927

     TENANT'S NOTICE ADDRESS: COMPBENEFITS CORPORATION
                              100 Mansell Court East
                              Suite 400
                              Roswell, Georgia 30076
                              Attn: General Counsel

                                        8

<PAGE>

IN WITNESS WHEREOF, this Second Amendment has been duly executed by the parties
hereto effective as of the Effective Date.

                                        "LANDLORD":

WITNESSES:                              MG-HIW, LLC, as trustee under an
                                        unrecorded land trust agreement, dated
                                        as of October 9, 2000, known as Tampa
/s/ LINDA TEERY                         Properties Trust
-------------------------------------
LINDA TEERY
Print Name                              By: Highwoods Realty L P, as property
                                        manager

/s/ Melanie Garlock                     By: /s/ Stephen A. Meyers
-------------------------------------       ------------------------------------
Melanie Garlock                         Name: Stephen A. Meyers
Print Name                              Title: Vice President - Tampa
                                        Date: 9/26/01

                                        "TENANT":

WITNESSES:                              COMPBENEFITS CORPORATION

/s/ Kimela S. Comstock                  By: /s/ Bruce A. Mitchell
-------------------------------------       ------------------------------------
Kimela S. Comstock                      Printed Name: Bruce A. Mitchell
Print Name                              Title: Ex. Vice President
                                        Date: 9/19/01

/s/ Rosa M Vichcales
-------------------------------------
Rosa Vichcales
Print Name

WITNESSES:                              VISION CARE, INC.

/s/ Kimela S. Comstock                  By: /s/ Bruce A. Mitchell
-------------------------------------       ------------------------------------
Kimela S. Comstock                      Printed Name: Bruce A. Mitchell
Print Name                              Title: Ex. Vice President
                                        Date: 9/19/01

/s/ Rosa M Vichcales
-------------------------------------
Rosa Vichcales
Print Name

                                        9

<PAGE>

                                   EXHIBIT "A"

                                  (FLOOR PLAN)

S4.1
floor plan
07/11/01     not to scale
REVISED      7/12/01

VCI CompBenefits

Eighth Floor - Tower Place - 1511 North Westshore Boulevard Tampa Florida 33607

                                     ALFONSO ARCHITECTS
                                     INTERIORS
                                     1705 North 16th Street Tampa, Florida 33605
                                     Phone: 813 247 3333 Fax: 813 247 7609

4,228 SF

                                       10

<PAGE>

                                   EXHIBIT "A"
                                    Continued

                                  (FLOOR PLAN)

                             (MEASURE AMERICA LOGO)

        8TH FLOOR                MEASURE AMERICA         Measured by: SB 1/12/00
       Tower Place         5835 Memorial Hwy., ste. 19   Drawn by: JCQ   1/22/00
1151 N. Westshore. Blvd.         Tampa, FL 33615         Printed by: SLA  2/2/00
        Tampa. FL              phone: 813.806.9100
                                fax 813.806.9101

<PAGE>

                                   EXHIBIT "A"
                                    Continued

                            North Westshore Boulevard

                                  (FLOOR PLAN)

                                                              (TOWER PLACE LOGO)

Suites 610 + 620
(Approximate location)
7,349 RSF

<PAGE>

                                   EXHIBIT "A"
                                    Continued

                            North Westshore Boulevard

                                  (FLOOR PLAN)

                                                              (TOWER PLACE LOGO)

12,675 RSF

<PAGE>

                                   EXHIBIT "B"

                                   [BASE YEAR]
                               FOR SUITE 870 ONLY

     ADDITIONAL RENT - OPERATING EXPENSE PASS THROUGHS. For the calendar year
commencing on January 1, 2002 and for each calendar year thereafter, Tenant
shall pay to Landlord as Additional Rent, in a lump sum or on a monthly basis.
Tenant's Proportionate Share of any increase in Operating Expenses (as
hereinafter defined) incurred by Landlord's operation or maintenance of the
Building above the Operating Expenses incurred by Landlord during calendar year
2002 (the "Base Year") grossed up to reflect 95% occupancy. For purposes of
calculating Tenant's Proportionate Share of real and personal property taxes,
Landlord shall use the Base Year or the year in which the Building and
improvements are completed and are fully assessed, whichever shall be later.
Tenant's Proportionate Share shall be calculated by dividing the 4,862 rentable
square feet of the Premises by the 182,214 net rentable square feet of the
Building, which equals 2.67%. If during any calendar year the occupancy of the
rentable area of the Building is less than full, then Operating Expenses (as
hereinafter defined) will be adjusted for such calendar year at a rate of 95%
occupancy.

     As used herein, the term "Operating Expenses" shall mean direct costs of
operation, repair and maintenance as determined by standard accounting practices
and shall include, by way of illustration but shall not be limited to, ad
valorem real and personal property taxes, hazard and liability insurance
premiums, utilities, heat, air conditioning, janitorial service, labor,
materials, supplies, equipment and tools, permits, licenses, inspection fees,
management fees, and common area expenses; provided, however, the term
"Operating Expenses" shall not include depreciation on the Building or equipment
therein, interest, executive salaries, real estate brokers' commissions, or
other expenses that do not relate to the operation of the Building. The annual
statement of Operating Expenses shall be accounted for and reported in
accordance with generally accepted accounting principles (the "Annual
Statement").

     For the calendar year commencing on January 1, 2003 and for each calendar
year thereafter during the Term, Landlord shall estimate the amount the
Operating Expenses shall increase for such calendar year above the Operating
Expenses incurred during the Base Year. Landlord shall send to Tenant a written
statement of the amount of Tenant's Proportionate Share of any estimated
increase in Operating Expenses and Tenant shall pay to Landlord, monthly or
annually, Tenant's Proportionate Share of such increase in Operating Expenses
plus any applicable sales or use taxes payable by Tenant hereunder. Within one
hundred twenty (120) days after the end of each calendar year, Landlord shall
send a copy of the Annual Statement to Tenant. Pursuant to the Annual Statement,
Tenant shall pay to Landlord Additional Rent as owed or Landlord shall adjust
Tenant's Rent payments if Landlord owes Tenant a credit, such payment or
adjustment to be made within thirty (30) days after the Annual Statement is
received by Tenant. After the Expiration Date, or any termination of this Lease,
Landlord shall send Tenant the final Annual Statement for the Term, and Tenant
shall pay to Landlord Additional Rent as owed or if Landlord owes Tenant a
credit, then Landlord shall pay Tenant a refund. If this Lease expires or
terminates on a day other than December 31, then Additional Rent shall be
prorated on a 365-day calendar year (or 366 if a leap year). With reasonable
prior written notice to Landlord, Tenant, at Tenant's expense, shall have the
right to audit the Operating Expenses once per year at Landlord's office in
Tampa, Florida, provided such audit is completed within ninety (90) days of
Tenant's receipt of an Annual Statement.

                                       11

<PAGE>

                                   EXHIBIT "C"

                               TENANT IMPROVEMENTS
                                [LANDLORD BUILDS]

WORK LETTER, 1. The following terms shall have the following definitions: (a)
"Commencement Date" shall mean the earlier to occur of (i) the date when Tenant
takes possession of the Premises or any portion of the Premises for its business
purposes, or (ii) the date of substantial completion of the Tenant Improvements.
Substantial completion shall be deemed to have occurred on the date that a
Certificate of Occupancy or its equivalent is issued by the appropriate local
governmental entity with respect to the Tenant Improvements, notwithstanding
that minor punchlist items or insubstantial details with respect to
construction, decoration, or mechanical adjustment remain to be performed.
Landlord shall, in accordance with the foregoing, determine the Commencement
Date and shall notify Tenant of the date so determined. Tenant shall, if
Landlord so requests, thereafter execute a letter confirming the Commencement
Date and the expiration date of this Lease. The failure of Tenant to execute
such letter shall not affect the validity of the Commencement Date as determined
by Landlord; (b) "Plans" shall mean a permit set (final construction drawings)
of plans and specifications for the improvements to the Premises desired by
Tenant and shall include the following; fully dimensioned architectural plan;
electric/telephone outlet diagram; reflective ceiling plan with light switches;
mechanical plan; electrical power circuitry diagram; plumbing plans; all color
and finish selections; all special equipment and fixture specifications; and
fire sprinkler design drawings; (c) "Tenant Improvements" shall mean all of the
work described in the Plans and any extra work or changes performed pursuant to
revisions to the Plans; and (d) "Work Cost" shall mean the aggregate of (i)
engineering and architectural fees in connection with the Tenant Improvements,
plus (ii) filing fees and permit costs incurred in connection with the Tenant
Improvements, plus (iii) the actual cost of all general conditions, fees, labor
and materials furnished in connection with the Tenant Improvements by any
general contractor, other contractors or vendors engaged by Landlord, including
all costs associated with extra work or change orders.

     2. If and so long as Tenant is not in default under this Lease beyond any
applicable grace period, Tenant shall be entitled to a fixed price tenant
improvement allowance in the amount of $72,930.00 based on 4,862 rentable square
feet in the Premises (the "Allowance"). Tenant may only apply the Allowance to
the Work Cost. Landlord shall retain any portion of the Allowance that is not
required to complete the Tenant Improvements, provided Tenant does not use the
allowance before thirteen (13) months from Commencement Date. The Allowance is
being paid by Landlord as an inducement to Tenant to enter into this Lease and
as consideration for the execution of this Lease by Tenant and the performance
by Tenant under this Lease for the full term of this Lease. If after Tenant has
been granted all or any portion of the Allowance, the Lease Term is terminated
by virtue of a default by Tenant, or Landlord resumes possession of the Premises
consequent upon a default by Tenant, and Landlord is precluded by applicable law
from collecting the full amount of damages attributable to such default as
provided in the Default section of this Lease, then and in such event, in
addition to all other damages and remedies provided under this Lease or
otherwise provided by law, Landlord shall also be entitled to recover from
Tenant the unamortized portion (calculated using an interest rate of twelve
percent (12%) per annum compounded monthly) of the Allowance, which sum shall be
deemed additional Rent due and owing prior to the termination of this Lease.
This obligation of Tenant to repay the unamortized balance of the Allowance to
Landlord shall survive the expiration or sooner termination of the Lease Term.

     3. A first set of Plans was provided by Landlord for Tenant's review on
July 12, 2001. Assuming (a) a full execution of the Lease by September 21, 2001,
and (b) no changes to the Space Plan, Landlord and Tenant will work in good
faith to approve the Plans by September 21, 2001. Unless Landlord caused such
delay, Tenant's failure to approve the Plans by this date shall constitute a
Delay pursuant to Paragraph 9. The Plans shall be prepared by a licensed
architect, except for the electrical and mechanical plans, which shall be
prepared by a licensed professional engineer. The architect and engineer shall
be selected by Landlord. The Plans shall comply with all applicable laws,
ordinances, directives, rules, regulations, and other requirements imposed by
any and all governmental authorities having or asserting jurisdiction over the
Premises.

     4. Landlord shall have the Plans prepared based on the Space Plan for the
Premises approved by Tenant and attached hereto as Exhibit A. Tenant shall have
three (3) business days after receipt to review and approve or comment on any
set of Plans provided by Landlord. Landlord shall direct the architect and
engineer to revise the Plans based on Tenant's reasonable comments but Landlord
shall not be responsible for delay pursuant to Paragraph 9.

                                       12

<PAGE>

     5. Landlord shall, in its sole discretion, select a general contractor to
perform the Tenant Improvements. Within ten (10) days after receipt of the
contractor's estimate of the anticipated Work Cost, Tenant shall pay Landlord,
in cash or certified check, the difference between the estimated Work Cost and
the tenant improvement allowance. Any such overage in the Work Costs shall be
deemed Additional Rent pursuant to the Lease. Landlord's written estimate shall
include a construction supervision fee, of three percent (3%) to manage and
oversee the work to be done on Tenant's behalf.

     6. Landlord shall perform the Tenant Improvements, in a good and
workmanlike manner, using new materials. Tenant shall, upon completion of the
Tenant Improvements, accept the Premises subject to punch list items. Landlord
shall prepare the punch list prior to Tenant's occupancy during a walk-through
of the Premises by Landlord, Tenant and the general contractor. Notwithstanding
the foregoing, Landlord warrants that the Tenant Improvements shall be free from
defects in materials and workmanship for a period of one (1) year from the
Commencement Date. Landlord shall correct any such defects reported to it within
such one (1) year warranty period. Except pursuant to the foregoing warranty,
Landlord shall not otherwise be liable for any latent or patent defect in the
Premises.

     7. Tenant's representative, who shall be Rosa Vichcales, David Klock and
Joe Casey, shall have the right to make changes from time to time in the Plans
by submitting to Landlord requests to revise the Plans. If the cost of any
changes, as estimated by the general contractor, will exceed any remaining
balance of the Allowance (after deducting the most current estimate of the Work
Cost prior to the change in question). Tenant shall pay to Landlord the amount
of such excess within ten (10) days of receipt of a notice from Landlord as to
the amount. Until Landlord has received full payment of such increases, Tenant
shall not be permitted to occupy the Premises notwithstanding that Tenant's
obligation to pay Base Rent and additional Rent under this Lease remains in full
force and effect. Any change in the Plans which delays the Commencement Date
shall constitute a Delay pursuant to Paragraph 9.

     8. Tenant shall perform all work not shown on the Plans at its sole
expense, unless such work is approved or agreed by both parties.

     9. If Landlord or the general contractor is delayed in substantially
completing the Tenant Improvements as a result of the occurrence of any Delay
(as hereafter defined), then, for purposes of determining the Commencement Date,
the date of substantial completion shall be deemed to be the day that the Tenant
Improvements would have been substantially completed absent any such Delay(s).
Notwithstanding the above, Landlord shall notify Tenant of such delay. In such
event of Tenant Delay, Landlord shall telephone Bruce Mitchell and convey such
Delay at (770) 998-8936 x 8446. For purposes of this provision each of the
following shall constitute a "Delay":

          (i) Tenant's failure to furnish information or to respond to any
request by Landlord for any approval within any time period prescribed, or if no
time period is prescribed, within three (3) business days of receipt of such
request; or

          (ii) Tenant's insistence on materials, finishes, or installations that
have long lead times after having first been informed in writing that such
materials, finishes, or installations shall cause a Delay; or

          (iii) changes in the Space Plans after approval by Tenant which causes
delay; or

          (iv) performance or nonperformance by a person or entity employed by
Tenant in the completion of any work; or

          (v) any delay resulting from Tenant's having taken possession of the
Premises for any reason prior to substantial completion of the Tenant
Improvements; or

          (vi) any other delay chargeable to Tenant, its agents, employees, or
independent contractors.

                                       13

<PAGE>

                                   EXHIBIT "D"

                   TENANT PARKING AGREEMENT FOR SUITE 870 ONLY

     1. The parties hereby acknowledge that they have heretofore entered, or are
contemporaneously herewith entering, a certain Second Amendment dated ____, 2001
(the "Lease") for premises known as Suite 870 (the "Premises") located in the
property known as Tower Place (the "Property"). In the event of any conflict
between the Lease and this Agreement, the latter shall control.

     2. Landlord hereby grants to Tenant and persons designated by Tenant a
license to use a total of 24 parking spaces in the designated parking area;
Tenant may lease no more than five (5) of the 24 spaces as reserved parking
spaces at a rate of $35.00 per space per month, such rate is subject to increase
upon lease expiration of the Initial Lease Term. The Term of such license shall
commence on the Commencement Date under the Lease and shall continue until the
earlier to occur of the Expiration Date under the Lease, or termination of the
Lease or Tenant's abandonment of the Premises thereunder. No deductions from the
monthly charge shall be made for days on which the designated parking area is
not used by Tenant. However, Tenant may reduce the number of parking spaces
hereunder, at any time, by providing at least thirty (30) days advance written
notice to Landlord, accompanied by any key card, sticker or other identification
or entrance system provided by Landlord or its parking contractor; such
cancellation shall be irrevocable. Tenant may, from time to time, request
additional parking spaces, and if Landlord shall provide the same, such spaces
shall be provided and used on a month-to-month basis, and otherwise on the
foregoing terms and provisions, and such monthly parking charges as Landlord
shall establish from time to time.

     3. Tenant shall at all times comply with all applicable ordinances, rules,
regulations, codes, laws, statutes and requirements of all federal, state,
county and municipal governmental bodies or their subdivisions respecting the
use of the designated parking area. Landlord reserves the right to adopt, modify
and enforce reasonable Rules governing the use of the designated parking area
from time to time, including any key-card, sticker or other identification or
entrance system, and hours of operation. The Rules set forth hereinafter are
currently in effect. Landlord may refuse to permit any person who violates such
Rules to park in the designated parking area, and any violation of the Rules
shall subject the car to removal from the designated.

     4. The parking spaces hereunder shall be provided on an unreserved
"first-come, first-served" basis. Tenant acknowledges that Landlord has or may
arrange for the designated parking area to be operated by an independent
contractor, not affiliated with Landlord. In such event, Tenant acknowledges
that Landlord shall have no liability for claims arising through acts or
omissions of such independent contractor, if such contractor is reputable.
Except for intentional acts or gross negligence, Landlord shall have no
liability whatsoever for any damage to property or any other items located in
the designated parking area, nor for any personal injuries or death arising out
of any matter relating to the designated parking area, and in all events, Tenant
agrees to look first to its insurance carrier and to require that Tenant's
employees look first to their respective insurance carriers for payment of any
losses sustained in connection with any use of the designated parking area.
Tenant hereby waives on behalf of its insurance carriers all rights or
subrogation against Landlord or Landlord's agents. Landlord reserves the right
to assign specific spaces, and to reserve spaces for visitors, small cars,
handicapped persons and for other tenants, guests of tenants or other parties,
and Tenant and persons designated by Tenant hereunder shall not park in any such
assigned or reserved spaces. Landlord also reserves the right to close all or
any portion of the designated parking area in order to make repairs or perform
maintenance services, or to alter, modify, re-stripe or renovate the designated
parking area (in such cases Landlord shall provide written notice to Tenant), or
if required by casualty, strike, condemnation, act of God, governmental law or
requirement or other reason beyond Landlord's reasonable control. In such event,
Landlord shall refund any prepaid parking rent hereunder, prorated on a per diem
basis. If, for any other reason, Tenant or persons properly designated by
Tenant, shall be denied access to the designated parking area, and Tenant or
such persons shall have complied with this Agreement and this Agreement shall be
in effect, Landlord's liability shall be limited to such parking charges
(excluding tickets for parking violations) incurred by Tenant or such persons in
utilizing alternative parking, which amount Landlord shall pay upon presentation
of documentation supporting Tenant's claims in connection therewith.

     5. If Tenant shall default under this Agreement, Landlord shall have the
right to remove from the designated parking area any vehicles hereunder which
shall have been involved or shall have been owned

                                       14

<PAGE>

or driven by parties involved in causing such default, without liability
therefor whatsoever. In addition, if Tenant shall default under this Agreement,
Landlord shall have the right to cancel this Agreement on ten days' written
notice, unless within such ten day period, Tenant cures such default. If Tenant
defaults with respect to the same term or condition under this Agreement more
than three times during any twelve month period, and Landlord notifies Tenant
thereof promptly after each such default, the next default of such term or
condition during the succeeding twelve month period, shall, at Landlord's
election, constitute an incurable default. Such cancellation right shall be
cumulative and in addition to any other rights or remedies available to Landlord
at law or equity, or provided under the Lease (all of which rights and remedies
under the Lease are hereby incorporated herein, as though fully set forth). Any
default by Tenant under the Lease shall be a default under this Agreement, and
any default under this Agreement shall be a default under the Lease.

                                      RULES

     (i)  Designated parking area hours shall be 6 A.M. to 8 P.M. or such other
          hours as Landlord shall determine from time to time.)

     (ii) Cars must be parked entirely within the stall lines painted on the
          floor, and only small cars may be parked in areas reserved for small
          cars.

     (iii) All directional signs and arrows must be observed.

     (iv) The speed limit shall be five (5) miles per hour.

     (v)  Spaces reserved for handicapped parking must be used only by vehicles,
          properly designated.

     (vi) Parking is prohibited in all areas not expressly designated for
          parking, including without limitation:

     (a)  areas not striped for parking

     (b)  aisles

     (c)  where "no parking" signs are posted

     (d)  ramps

     (e)  loading zones

     (vii) Parking stickers, key cards or any other devices or forms of
          identification or entry supplied by Landlord shall remain the property
          of Landlord. Such devices must be displayed as requested and may not
          be mutilated in any manner. The serial number of the parking
          identification device may not be obliterated. Devises are not
          transferable and any device in the possession of an unauthorized
          holder will be void.

     (viii) If applicable, monthly fees shall be payable in advance prior to the
          first day of each month. Failure to do so will automatically cancel
          parking privileges and a charge at the prevailing daily parking rate
          will be due. No deductions or allowances from the monthly rate will be
          made for days on which the designated parking area is not used by
          Tenant or its designees.

     (ix) Designated parking area managers or attendants are not authorized to
          make or allow any exceptions to these Rules.

     (x)  Every parker is required to park and lock his own car.

     (xi) Loss or theft of parking identification, key cards or other such
          devices must be reported to Landlord or any garage manager
          immediately. Any parking devices reported lost or stolen found on any
          unauthorized car will be confiscated and the illegal holder will be
          subject to prosecution. Lost or stolen devices found by Tenant or its
          employees must be reported to the office of the designated parking
          area immediately.

     (xii) Washing, waxing, cleaning or servicing of any vehicle by the customer
          and/or his agents is prohibited. Parking spaces may be used only for
          parking automobiles.

     (xiii) Tenant agrees to acquaint all persons to whom Tenant assigns parking
          space of these Rules.

                                       15

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