Document:

Warrant

THIS WARRANT AND THE SHARES OF COMMON STOCK  ISSUABLE  UPON THE EXERCISE  HEREOF
HAVE NOT BEEN REGISTERED  UNDER EITHER THE SECURITIES ACT OF 1933 (THE "ACT") OR
APPLICABLE  STATE  SECURITIES  LAWS (THE  "STATE  ACTS")  AND SHALL NOT BE SOLD,
PLEDGED,  HYPOTHECATED,  DONATED, OR OTHERWISE  TRANSFERRED  (WHETHER OR NOT FOR
CONSIDERATION)  BY THE  HOLDER  EXCEPT  UPON THE  ISSUANCE  TO THE  COMPANY OF A
FAVORABLE  OPINION OF COUNSEL OR  SUBMISSION  TO THE COMPANY OF SUCH EVIDENCE AS
MAY BE SATISFACTORY TO COUNSEL TO THE COMPANY,  IN EACH SUCH CASE, TO THE EFFECT
THAT ANY SUCH TRANSFER SHALL NOT BE IN VIOLATION OF THE ACT AND THE STATE ACTS.

WARRANT TO PURCHASE _________ (______) SHARES OF COMMON STOCK

                           INNOVATIVE MEDICAL SERVICES
                           (a California Corporation)
                     Not Transferable or Exercisable Except
                        upon Conditions Herein Specified
                              Void after 5:00 P.M.,
                  Pacific Standard Time, on the March 31, 2001

     Innovative  Medical  Services,  a California  corporation  (the  "Company")
hereby  certifies  that,  ___________,  as the  registered  holder  hereof  (the
"Holder"),  for value  received,  is entitled  to purchase  from the Company the
number of fully paid and  non-assessable  shares of Common  Stock of the Company
(the  "Shares"),  stated  above at the  purchase  price of $5.25 per Share  (the
"Exercise  Price")  (the number of Shares and  Exercise  Price being  subject to
adjustment  as  hereinafter  provided)  upon the  terms  and  conditions  herein
provided. 1. Exercise of Warrants.

     (a) Subject to subsection (b) of this Section 1 and Section 11 below,  upon
presentation  and  surrender  of this  Warrant  Certificate,  with the  attached
Purchase  Form duly  executed,  at the  principal  office of the Company at 1725
Gillespie Way, El Cajon,  California 92020 or at such other place as the Company
may designate by notice to the Holder hereof,  together with a certified or bank
cashier's  check  payable  to the  order of the  Company  in the  amount  of the
Exercise  Price times the number of Shares being  purchased,  the Company  shall
deliver  to  the  Holder  hereof,  as  promptly  as  practicable,   certificates
representing the Shares being purchased.  This Warrant may be exercised in whole
or in part;  and, in case of exercise  hereof in part only,  the  Company,  upon
surrender  hereof,  will  deliver to the  Holder a new  Warrant  Certificate  or
Warrant  Certificates  of like tenor entitling the Holder to purchase the number
of Shares as to which this Warrant has not been exercised.
                                      -19-
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     (b) This  Warrant may be exercised in whole or in part at any time prior to
5:00 o'clock P.M., Pacific Standard Time, on March 31, 2001.

     2. Exchange and Transfer of Warrant.  This Warrant (a) at any time prior to
the exercise  hereof,  upon  presentation  and surrender to the Company,  may be
exchanged,  alone or with other Warrants of like tenor registered in the name of
the Holder,  for another  Warrant or other Warrants of like tenor in the name of
such Holder  exercisable for the same aggregate  number of Shares as the Warrant
or Warrants  surrendered,  (b) may not be sold,  transferred,  hypothecated,  or
assigned, in whole or in part, without the prior written consent of the Company.

     3. Rights and Obligations of Warrant Holder.

     (a) The Holder of this Warrant  Certificate shall not, by virtue hereof, be
entitled  to any rights of a  stockholder  in the  Company,  either at law or in
equity;  provided,  however, in the event that any certificate  representing the
Shares is issued to the Holder hereof upon exercise of this Warrant, such Holder
shall,  for all purposes,  be deemed to have become the holder of record of such
Shares  on the date on which  this  Warrant  Certificate,  together  with a duly
executed  Purchase Form, was  surrendered  and payment of the Exercise Price was
made, irrespective of the date of delivery of such Share certificate. The rights
of the Holder of this  Warrant  are  limited to those  expressed  herein and the
Holder of this Warrant,  by its acceptance hereof,  consents to and agrees to be
bound by and to comply  with all the  provisions  of this  Warrant  Certificate,
including,  without  limitation,  all the  obligations  imposed  upon the Holder
hereof by  Sections 2 and 5 hereof.  In  addition,  the  Holder of this  Warrant
Certificate,  by accepting the same,  agrees that the Company may deem and treat
the person in whose name this Warrant  Certificate is registered on the books of
the Company  maintained for such purpose as the absolute,  true and lawful owner
for all purposes whatsoever,  notwithstanding any notation of ownership or other
writing  thereon,  and the  Company  shall not be  affected by any notice to the
contrary.

                  (b) No Holder of this Warrant  Certificate,  as such, shall be
entitled to vote or receive  distributions  or to be deemed the holder of Shares
for any purpose,  nor shall  anything  contained in this Warrant  Certificate be
construed to confer upon any Holder of this Warrant Certificate, as such, any of
the  rights  of a  stockholder  of the  Company  or any  right to vote,  give or
withhold   consent   to  any   action   by  the   Company,   whether   upon  any
recapitalization,  issue of stock, reclassification of stock, merger, conveyance
or otherwise,  receive notice of meetings or other action affecting stockholders
(except for notices provided for herein),  receive  distributions,  subscription
rights,  or  otherwise,  until this Warrant  shall have been  exercised  and the
Shares  purchasable upon the exercise  thereof shall have become  deliverable as
provided herein; provided,  however, that any such exercise on any date when the
stock transfer books of the Company shall be closed shall  constitute the person
or persons  in whose name or names the  certificate  or  certificates  for those
Shares are to be issued as the record holder or holders thereof for all purposes
at the  opening  of  business  on the next  succeeding  day on which  such stock
transfer books are open, and the Warrant surrendered shall not be deemed to have
been  exercised,  in  whole  or in  part as the  case  may be,  until  the  next
succeeding  day on which  stock  transfer  books  are open  for the  purpose  of
determining
                                      -20-
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entitlement to distributions on the Company's common stock.

         4. Shares  Underlying  Warrants.  The Company covenants and agrees that
all Shares  delivered  upon  exercise of this Warrant  shall,  upon delivery and
payment  therefor,  be duly and validly  authorized  and issued,  fully-paid and
non-assessable,  and free from all stamp taxes,  liens, and charges with respect
to the purchase thereof In addition,  the Company agrees at all times to reserve
and keep  available  an  authorized  number of Shares  sufficient  to permit the
exercise in full of this Warrant.

         5. Disposition of Warrants or Shares.

                  (a) The holder of this Warrant  Certificate and any transferee
hereof or of the Shares  issuable upon the exercise of the Warrant  Certificate,
by their acceptance  hereof,  hereby understand and agree that the Warrant,  and
the Shares issuable upon the exercise  hereof,  have not been  registered  under
either the  Securities  Act of 1933 (the "Act") or applicable  state  securities
laws (the "State Acts") and shall not be sold, pledged,  hypothecated,  donated,
or  otherwise  transferred  (whether or not for  consideration)  except upon the
issuance to the Company of a favorable  opinion of counsel or  submission to the
Company of such evidence as may be  satisfactory  to counsel to the Company,  in
each such case, to the effect that any such  transfer  shall not be in violation
of the Act and the State Acts.  It shall be a condition  to the transfer of this
Warrant that any transferee thereof deliver to the Company its written agreement
to  accept  and be bound by all of the  terms  and  conditions  of this  Warrant
Certificate.

                  (b)  Unless  and  until  there  is an  effective  registration
statement filed with the U.S.  Securities and Exchange Commission for the Common
Stock  underlying the Warrant,  the stock  certificates of the Company that will
evidence  the shares of Common  Stock with  respect to which this Warrant may be
exercisable  will be imprinted  with  conspicuous  legend in  substantially  the
following form:

                           "The securities  represented by this certificate have
         not been registered under either the Securities Act of 1933 (the "Act")
         or applicable state securities laws (the "State Acts") and shall not be
         sold, pledged, hypothecated,  donated or otherwise transferred (whether
         or not for consideration) by the holder except upon the issuance to the
         Company of a  favorable  opinion of its  counsel or  submission  to the
         company of such other evidence as may be satisfactory to counsel of the
         Company,  in each such case, to the effect that any such transfer shall
         not be in violation of the Act and the State Acts."

The Company has agreed to register  the Common  Stock with respect to which this
Warrant may be exercisable for distribution in accordance with the provisions of
the  Act  pursuant  to a  registration  statement  to be  filed  with  the  U.S.
Securities and Exchange Commission on or before April 28, 2000.

                                      -21-
<PAGE>
         6. Adjustments.  The number of Shares  purchasable upon the exercise of
each Warrant is subject to adjustment  from time to time upon the  occurrence of
any of the events enumerated below.

                  (a) In case the Company  shall:  (i) pay a dividend in Shares,
(ii) subdivide its  outstanding  Shares into a greater  number of Shares,  (iii)
combine its outstanding  Shares into a smaller number of Shares,  or (iv) issue,
by  reclassification  of its Shares, any shares of its capital stock, the amount
of Shares  purchasable  upon the  exercise  of each  Warrant  immediately  prior
thereto  shall be adjusted so that the Holder  shall be entitled to receive upon
exercise of the Warrant that number of Shares which such Holder would have owned
or would have been  entitled to receive  after the  happening  of such event had
such Holder exercised the Warrant  immediately  prior to the record date, in the
case  of  such  dividend,  or the  effective  date,  in  the  case  of any  such
subdivision,  combination or  reclassification.  An adjustment  made pursuant to
this  subsection (a) shall be made whenever any of such events shall occur,  but
shall become  effective  retroactively  after such record date or such effective
date, as the case may be, as to Warrants  exercised  between such record date or
effective date and the date of happening of any such event.

                  (b) In case the Company  shall issue rights or warrants to all
holders of its Shares entitling them to subscribe for or to purchase Shares at a
price per Share  which,  when added to the amount of  consideration  received or
receivable by the Company for such rights or warrants,  is less than the Current
Market Price (as  hereinafter  defined) per Share at the record date, the number
of Shares  purchasable  upon the exercise of this  Warrant  shall be adjusted so
that thereafter,  until further adjusted,  each Warrant shall entitle the Holder
to purchase that number of Shares determined by multiplying the number of Shares
purchasable hereunder by a fraction,  the numerator of which shall be the number
of additional Shares issuable upon the exercise of such rights or warrants,  and
the  denominator of which shall be the number of Shares which an amount equal to
the sum of (i) the  aggregate  exercise  price of the  total  number  of  Shares
issuable  upon the exercise of such rights or warrants,  and (ii) the  aggregate
amount of consideration, if any, received, or receivable by the Company for such
rights or warrants, would purchase at such Current Market Price. Such adjustment
shall be made  whenever  such rights or warrants  are issued,  but shall also be
effective retroactively as to Warrants exercised between the record date for the
determination  of  stockholders  entitled to receive such rights or warrants and
the date such rights or warrants are issued.

                  (c) For the purpose of any  computation  under  subsection (b)
above,  the  Current  Market  Price per Share at any date  shall be:  (i) if the
Shares are listed on any national securities exchange,  the average of the daily
closing prices for the 15 consecutive  business days commencing 20 business days
before the day in question  (the "Trading  Period");  (ii) if the Shares are not
listed on any national securities exchange but are quoted on the Nasdaq SmallCap
Market,  the  average  of the high and low bids as  reported  by NASDAQ  for the
Trading  Period;  and (iii) if the Shares  are  neither  listed on any  national
securities  exchange nor quoted on NASDAQ,  the higher of (x) the exercise price
then in effect,  or (y) the  tangible  book value per Share as of the end of the
Company's immediately preceding fiscal year.

                                      -22-
<PAGE>
                  (d) No  adjustment  shall be required  unless such  adjustment
would  require an  increase  or  decrease of at least 1% in the number of Shares
purchasable hereunder;  provided,  however, that any adjustments which by reason
of this  subsection (d) are not required to be made shall be carried forward and
taken into account in any subsequent  adjustment.  All  calculations  under this
Section 6 shall be made to the nearest one-hundredth of a Share.

                  (e) No adjustment shall be made in any of the following cases:

                           (i) Upon the grant or exercise  of stock  options now
or hereafter granted,  or under any employee stock option or stock purchase plan
now or hereafter  authorized,  to the extent that the aggregate of the number of
Shares which may be purchased under such options and the number of Shares issued
under  such  employee  stock  purchase  plan is less than or equal to 10% of the
number of Shares outstanding on January 1 of the year of the grant or exercise;

                           (ii) Shares issued upon the  conversion of any of the
Company's convertible or exchangeable securities;

                           (iii)   Shares   issued   in   connection   with  the
acquisition by the Company or by any subsidiary of the Company of 80% or more of
the assets of another  corporation  or entity,  and Shares  issued in connection
with the  acquisition  by the Company or by any subsidiary of the Company of 80%
or more of the voting shares of another corporation  (including Shares issued in
connection  with such  acquisition  of voting  shares of such other  corporation
subsequent to the acquisition of an aggregate
of 80% of such  voting  shares),  Shares  issued in a merger of the Company or a
subsidiary of the Company with another  corporation  in which the Company or the
Company's  subsidiary is the surviving  corporation,  and Shares issued upon the
conversion of other securities issued in connection with any such acquisition or
in any such merger; and

                           (iv)  Shares  issued  pursuant  to this  Warrant  and
pursuant to all stock options and warrants outstanding on the date hereof.

                  (f) Notice to  Warrant  Holders of  Adjustment.  Whenever  the
number of Shares  purchasable  hereunder  is  adjusted as herein  provided,  the
Company shall cause to be mailed to the Holder in accordance with the provisions
of this  Section 6 a notice (i)  stating  that the number of Shares  purchasable
upon  exercise  of this  Warrant  have been  adjusted,  (ii)  setting  forth the
adjusted number of Shares purchasable upon the exercise of a Warrant,  and (iii)
showing in  reasonable  detail the  computations  and the facts,  including  the
amount of consideration received or deemed to have been received by the Company,
upon which such adjustments are based.

         7.  Fractional  Shares.  The Company shall not be required to issue any
fraction  of a Share upon the  exercise  of  Warrants.  If more than one Warrant
shall be surrendered for exercise at one time by the same Holder,  the number of
full Shares which shall be issuable upon  exercise  thereof
                                      -23-
<PAGE>
shall be computed on the basis of the aggregate number of Shares with respect to
which this Warrant is exercised.  If any fractional interest in a Share shall be
deliverable  upon the  exercise  of this  Warrant,  the  Company  shall  make an
adjustment  therefor in cash equal to such  fraction  multiplied  by the Current
Market  Price  of the  Shares  on the  business  day next  preceding  the day of
exercise.

         8. Loss or  Destruction.  Upon receipt of evidence  satisfactory to the
Company  of  the  loss,  theft,  destruction,  or  mutilation  of  this  Warrant
Certificate  and,  in the case of any such  loss,  theft  or  destruction,  upon
delivery of an indemnity  agreement or bond satisfactory in form,  substance and
amount to the Company or, in the case of any such mutilation, upon surrender and
cancellation  of this  Warrant  Certificate,  the  Company at its  expense  will
execute and deliver, in lieu thereof, a new Warrant Certificate of like tenor.

         9. Survival. The various rights and obligations of the Holder hereof as
set forth herein shall survive the exercise of the Warrants  represented  hereby
and the surrender of this Warrant Certificate.

         10.  Notices.  Whenever any notice,  payment of any purchase  price, or
other communication is required to be given or delivered under the terms of this
Warrant,  it shall be in writing and delivered by hand delivery or United States
registered or certified mail,  return receipt  requested,  postage prepaid,  and
will be deemed to have been given or delivered on the date such notice, purchase
price or other communication is so delivered or posted, as the case may be; and,
if to the Company,  it will be  addressed to the address  specified in Section 1
hereof,  and if to the Holder,  it will be addressed to the registered Holder at
its, his or her address as it appears on the books of the Company.

         11. Redemption of Warrants. This Warrant may be redeemed by the Company
upon  thirty  days  written  notice to the  Holder for $0.05 per  Warrant  Share
provided that the closing bid price for the  Company's  common stock as reported
by its  trading  market  has been not less  than  $4.00  per  share  for  twenty
consecutive  trading days.  Unless this Warrant has been  exercised  pursuant to
Section 1 on or before  the  thirtieth  day  following  the date of the  written
notice,  this Warrant shall be null and void save only the Company's  obligation
to pay the redemption amount.

INNOVATIVE MEDICAL SERVICES

By:
         Michael L. Krall, President
         March 31, 2000

                                      -24-
<PAGE>

                                  PURCHASE FORM

DATE:

TO:      INNOVATIVE MEDICAL SERVICES

         The  undersigned  hereby  irrevocably  elects to exercise  the attached
Warrant  Certificate  to the  extent of ____  shares  of the  Common  Stock,  of
INNOVATIVE  MEDICAL  SERVICES and hereby makes payment of $_______ ($5.25 x # OF
WARRANTS  EXERCISED)  in  accordance  with the  provisions  of  Section 1 of the
Warrant Certificate in payment of the purchase price thereof.

                     INSTRUCTIONS FOR REGISTRATION OF STOCK

Name:       ---------------------------------------------------
                  Please typewrite or print in block letters)

Address:     --------------------------------------------------

             --------------------------------------------------

             --------------------------------------------------

By:               --------------------------
                  Signature of Record Holder

                                      -25-
<PAGE>ORIGIN INVESTMENT GROUP, INC.

                          MANAGEMENT INCENTIVE PROGRAM

                         EFFECTIVE AS OF JANUARY 1, 2000

1.       ESTABLISHMENT AND EFFECTIVE DATE OF PLAN

     Origin  Investment  Group,  Inc. (the  "Company")  hereby adopts the Origin
Investment  Group,  Inc.  Management  Incentive  Program  (the  "Plan")  for its
executive  officers and certain other  executives  of the Company,  its Business
Units and affiliates who are in management  positions designated as eligible for
participation  by the Compensation  Committee (the  "Committee") of the Board of
Directors  of the Company or its  designee.  The Plan shall be  effective  as of
January 1, 2000 and shall  remain in effect,  subject to the rights of amendment
and  termination  in Section 15.  Payments  under the Plan shall only be made to
Named Executive  Officers after the Plan is approved by the  stockholders of the
Company, unless the Board of Directors determines otherwise.

2.       PURPOSE OF THE PLAN

     The purpose of the Plan is to reward  certain key  management  personnel of
the Company and its Business Units for achieving  performance goals relating to,
among  other  things,  increasing  operating  income and  return on  investment,
increasing  shareholder  value,  promoting growth and efficient use of resources
and achieving specific individual goals.

3.       DEFINITIONS

     (a)  "Base  Annual  Salary"  means  the  base  salary   established  for  a
Participant  during the  applicable  Plan Year,  as  determined by the Committee
(which  shall  include  the amount of any  pre-tax  deferrals  or other  pre-tax
payments made by the  Participant  to the  Company's  deferred  compensation  or
welfare plans, whether qualified or non-qualified).

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

     (c) "Business Unit" means a separate business operating unit of the Company
with respect to which separate performance goals may be established hereunder.

     (d) "Change in Control" means any of the following events:

     (i) The  acquisition  (other than from the Company) by any "Person" (as the
term person is used for  purposes of Sections  13(d) or 14(d) of the  Securities
Exchange  Act of 1934,  as amended  (the "1934  Act")) of  beneficial  ownership
(within  the  meaning  of Rule 13d-3  promulgated  under the 1934 Act) of twenty
percent  (20%)  or more of the  combined  voting  power  of the  Company's  then
outstanding voting securities; or

     (ii) The  individuals  who, as of January 1, 2000, are members of the Board
of Directors  (the  "Incumbent  Board"),  cease for any reason to  constitute at
least  two-thirds  of the Board of  Directors;  provided,  however,  that if the
election, or nomination for election by the Company's  stockholders,  of any new
director was approved by a vote of at least  two-thirds of the Incumbent  Board,
such new director shall, for purposes of this Plan, be considered as a member of
the Incumbent Board; or

                                      -1-
<PAGE>
    (iii)  Approval  by  stockholders  of  the  Company  of  (1)  a  merger  or
consolidation  involving  the  Company  if  the  stockholders  of  the  Company,
immediately  before  such  merger or  consolidation  do not, as a result of such
merger or consolidation,  own,  directly or indirectly,  more than fifty percent
(50%) of the combined voting power of the then outstanding  voting securities of
the corporation resulting from such merger or consolidation in substantially the
same  proportion as their  ownership of the combined  voting power of the voting
securities  of  the  Company  outstanding  immediately  before  such  merger  or
consolidation, or (2) a complete liquidation or dissolution of the Company or an
agreement for the sale or other  disposition of all or substantially  all of the
assets of the Company.

     Notwithstanding  the  foregoing,  for  purposes  of  subsection  (i) above,
"person"  shall not  include any person who on the date hereof owns 100% or more
of the Company's  outstanding  securities,  and a Change in Control shall not be
deemed to occur  solely  because  twenty  percent  (20%) or more of the combined
voting power of the Company's then  outstanding  securities is acquired by (i) a
trustee or other fiduciary holding securities under one or more employee benefit
plans  maintained  by  the  Company  or any of its  subsidiaries,  or  (ii)  any
corporation,  which, immediately prior to such acquisition, is owned directly or
indirectly by the  stockholders  of the Company in the same  proportion as their
ownership of stock in the Company immediately prior to such acquisition.

     (e) "Chief  Executive  Officer"  means the chief  executive  officer of the
Company, unless otherwise specified.

     (f) "Code" means the Internal Revenue Code of 1986, as amended.

     (g) "Committee" means the Compensation  Committee of the Board of Directors
or any other committee designated by the Board of Directors which is responsible
for administering the Plan.

     (h) "Common  Stock" means the common stock of the Company,  par value $.001
per share.

     (i) "Company" means Origin Investment Group, Inc., a Maryland  corporation,
and its successors.

     (j) "Estimated  Earnings"  means the Company's  estimated  earnings for the
fiscal year based upon the consensus estimate  forecasted by analysts and market
makers for the fiscal year, as adjusted by the Committee in its discretion.

     (k) "Incentive Award" or "Award" means the cash and, if applicable,  Shares
or restricted Shares awarded to Participants under the terms of the Plan.

     (l) "Maximum  Award"  means the maximum  percentage  of Base Annual  Salary
which  may be  paid  based  upon  the  Company's  or  Business  Unit's  Relative
Performance during the Plan Year.

     (m) "Named  Executive  Officer"  means a Participant  who as of the date of
payment of an Incentive Award is one of the group of "covered  employees"  under
Code Section 162(m) and the regulations thereunder.

     (n) "Participant"  means an executive of the Company, a Business Unit or an
affiliate who is designated by the Committee (or its designee) to participate in
the Plan.

     (o)  "Personal  Performance  Goals"  means the goals  established  for each
Participant each year to improve the effectiveness of the Participant's  area of
responsibility as well as the Company as a whole.

                                      -2-
<PAGE>
     (p) "Plan  Year"  means the twelve  month  period  which is the same as the
Company's fiscal year. The initial Plan Year shall be January 1 through December
31, 2000.

     (q) "Program Rules" means the eligible Participants,  performance measures,
Incentive Award amounts, and other rules and conditions  established annually by
the  Committee  pursuant to Section 4, subject to  ratification  by the Board of
Directors.  The  Program  Rules for  Participants  other  than  Named  Executive
Officers may be established by a designee of the Committee.

     (r)  "Relative  Performance"  means the  extent to which  the  Company,  or
designated  Business Unit, as applicable,  achieves the performance  measurement
criteria set forth in the Program Rules.

     (s) "Shares" means the shares of Common Stock of the Company (including any
new,  additional  or different  stock or securities  resulting  from the changes
described in Section 7).

     (t) "Target Award" means the percentage (which may vary among  Participants
and from Plan Year to Plan Year) of Base Annual  Salary  which will be paid to a
Participant  as an  Incentive  Award  if the  performance  measurement  criteria
applicable to the Participant for the Plan Year is achieved, as reflected in the
Program Rules for such Plan Year.

     (u)  "Threshold  Award" means the minimum  percentage of Base Annual Salary
which may be paid based on the Company's  Relative  Performance  during the Plan
Year.

4.       ADMINISTRATION OF THE PLAN

     The Plan will be  administered  by the Committee;  provided,  however,  the
Committee  shall  have  the  right  to  delegate  as it may  deem  necessary  or
appropriate to the Chairman of the Board, the Chief Executive Officer, the Chief
Operating   Officer  or  the  Chief   Financial   Officer  its   authority   and
responsibility  for  administration  of  parts  of the  Plan  as it  applies  to
Participants  other than Named Executive  Officers.  Subject to the right of the
Board of Directors to ratify such Program Rules, the Committee (or its designee)
will have the  authority,  from time to time, to determine the Program Rules for
the following matters:

     (a) the executives who are eligible to participate in the Plan;

     (b) the  types of Awards  to grant  under  the  Plan,  such as the use of a
performance  matrix or bonus pool,  which may vary among  Participants  and from
year to year;

     (c) the Target Award, Maximum Award and Threshold Award that can be granted
to each  Participant  and the  method  for  determining  such  award,  which the
Committee may amend from time to time;

         (d) the performance targets and the measurement  criteria to be used in
determining the Company's or a Business Unit's Relative Performance,  which will
include one or more of the following,  as determined by the Committee each year:
operating income, return on investment, Estimated Earnings, net income, earnings
per share,  return on equity,  return on assets (or net assets),  profit  before
taxes, market value of the Company's stock, and total shareholder return;

         (e) the time or times and the conditions (such as continuing employment
requirements) subject to which any Incentive Award may become payable; and

                                      -3-
<PAGE>
         (f) the form in which the Award will be paid,  such as cash,  Shares or
restricted Shares or any combination of the foregoing.

         The Program Rules will be adopted by the Committee prior to, or as soon
as  practical  after,  the  commencement  of  each  Plan  Year.  Subject  to the
provisions  of the Plan and its  right to  delegate  its  responsibilities,  the
Committee will also have the  discretionary  authority to interpret the Plan and
the Incentive  Awards  issued under the Plan;  to  prescribe,  amend and rescind
rules and regulations relating to the Plan and the Awards; and to make all other
determinations  deemed  necessary or advisable in  administering  the Plan.  The
determinations  of the Committee on the matters  referred to in  paragraphs  (a)
through (f) of this Section 4 shall be submitted at least  annually to the Board
of Directors for its consideration  and  ratification.  For Participants who are
not Named  Executive  Officers,  the Committee may in its  discretion  establish
performance measures not listed in this Section 4 without obtaining  shareholder
approval.

5.       PARTICIPATION

         Eligibility for  participation in the Plan is limited to the Presidents
and certain  other  executives  of the  Company's  Business  Units or affiliates
thereof who hold key management and staff  positions.  From among those eligible
and based upon the recommendations of the Chairman of the Board and/or the Chief
Executive  Officer and other designees,  the Committee will designate by name or
position the  Participants  each Plan Year. Any employee who is a Participant in
one Plan Year may be excluded  from  participation  in any other Plan Year.  If,
during the Plan  Year,  a  Participant  other  than a Named  Executive  Officer,
changes employment  positions to a new position which corresponds to a different
award level, the Committee may, in its discretion adjust the Participant's award
level for such Plan  Year.  The  Committee  may,  in its  discretion,  designate
employees who are hired after the beginning of the Plan Year as Participants for
such Plan Year and as eligible to receive full or partial  Incentive  Awards for
such year.

6.       INCENTIVE AWARDS

         (A)    DETERMINATION OF THE AMOUNT OF INCENTIVE AWARDS

         As soon as administratively  practical after the end of each Plan Year,
the  Committee  shall  certify the extent to which the  performance  targets and
measurement  criteria  established  pursuant to Section 4 have been achieved for
such Plan Year based upon information  prepared by the Company's Chief Financial
Officer.  Subject to the right to  decrease  an award as  described  in the next
paragraph,  the Participant's Incentive Award shall be computed by the Committee
based upon the achievement of the established  performance targets,  measurement
criteria and the  requirements  of the Plan.  The Committee  may in  determining
whether performance targets have been met adjust the Company's financial results
to  exclude  the  effect of unusual  charges  or income  items or other  events,
including acquisitions or dispositions of businesses or assets,  restructurings,
reductions in force, currency  fluctuations or changes in accounting,  which are
distortive of financial  results  (either on a segment or  consolidated  basis);
provided,  that for  purposes  of  determining  the  Incentive  Awards  of Named
Executive  Officers,  the Committee  shall exclude unusual items whose exclusion
has the effect of increasing  income,  earnings,  or other  measurements if such
items  constitute  "extraordinary  items" under  generally  accepted  accounting
principles or are  significant  unusual items.  In addition,  the Committee will
adjust its calculations to exclude the effect on financial results of changes in
the Code or other tax laws, or the regulations relating thereto.

                                      -4-
<PAGE>
         The  Committee  may,  in  its  discretion,  decrease  the  amount  of a
Participant's  Incentive Award for a Plan Year based upon such factors as it may
determine,  including  the  failure of the  Company  or a Business  Unit to meet
certain  performance goals or of a Participant to meet his Personal  Performance
Goals.  The factors to be used in reducing an Incentive Award may be established
at the beginning of a Plan Year and may vary among Participants.

         In the event that the  Company's or a Business  Unit's  performance  is
below the performance  thresholds for the Plan Year and the Incentive Awards are
reduced or canceled,  the Committee may in its discretion grant Incentive Awards
to  deserving  Participants,  except for  Participants  who are Named  Executive
Officers.

         The  Program  Rules  and  Incentive  Awards  under  the  Plan  shall be
administered  in a manner  to  qualify  payments  under  the  Plan to the  Named
Executive Officers for the performance based exception under Code Section 162(m)
and the regulations  thereunder,  except where the Board of Directors determines
such compliance is not necessary or desirable.  The maximum Incentive Award that
may be paid to an individual  Participant  for a Plan Year shall not exceed $1.0
million.

         (B)    ELIGIBILITY FOR PAYMENT OF INCENTIVE AWARD

         No  Participant  will have any vested  right to receive  any  Incentive
Award until such date as the Board of Directors has ratified the Committee's (or
its  designee's)  recommendation  with  respect  to the  payment  of  individual
Incentive Awards, except where the Committee determines such ratification is not
necessary.  No  Incentive  Award will be paid to any  Participant  who is not an
active  employee  of the  Company  or an  affiliate  on the  date  the  Board of
Directors has ratified the payment of such Incentive Awards; provided,  however,
at the discretion of the Committee or its designee  (subject to  ratification by
the  Board of  Directors,  where  required),  a partial  Incentive  Award may be
authorized by the Committee to be paid to Participants (or their  beneficiaries)
who are  terminated by the Company  without  cause or who retire,  die or become
permanently and totally disabled during the Plan Year or prior to payment of the
Incentive  Award.  No Participant  entitled to receive an Incentive  Award shall
have any interest in any specific asset of the Company,  and such  Participant's
rights  shall be  equivalent  to that of a  general  unsecured  creditor  of the
Company.

         (C)    PAYMENTS OF AWARDS

         The Awards will be payable in cash,  provided that the Committee  shall
have the  authority to provide in the Program Rules that all or a portion of the
Award will be paid in Shares  and/or that the  Participant  may elect to receive
all or a portion of his Award in Shares.  For this  purpose,  the Shares will be
valued at the closing price of the Shares on the primary securities  exchange on
which they are traded on the last  trading  day of the fiscal  year,  unless the
Committee provides otherwise.  The Committee may elect to place transferability,
vesting and resale restrictions on the Shares.

         The  Committee  may  also  provide  in the  Program  Rules  that if the
Participant  elects to receive a portion of the Award in Shares, the Participant
will receive an additional  number of Shares  ("Additional  Shares")  equal to a
certain  percentage  (not to exceed  100%) of the number of Shares  received  by
reason of his election,  plus an additional  cash bonus equal to the fair market
value  (determined  as of  the  last  trading  day of the  fiscal  year)  of the
Additional  Shares  received  multiplied  by a percentage  amount to help offset
income tax liability.  The Committee may elect to place restrictions,  such as a
vesting schedule related to continuing employment,  transferability,  and resale
restrictions,  on the  Additional  Shares.  Subject to adjustment as provided in
Section 7, the maximum number of Shares that may be issued  pursuant to the Plan
is 250,000.

                                      -5-
<PAGE>
         Payment of the Awards  shall be made  within 90 days after the close of
the  Company's  fiscal  year,  or such other  period as may be  specified by the
Committee in the Program Rules.

7.       RECAPITALIZATION OF THE COMPANY

         In the event of a recapitalization of the Company or its merger into or
consolidation  with  another  corporation,  a  Participant  shall be entitled to
receive such securities  which he or she would have been entitled to receive had
he or she been a shareholder of the Company  holding Shares pursuant to the Plan
at the time of such recapitalization, merger or consolidation. In the event of a
stock split,  stock dividend or combination of shares with respect to the Common
Stock of the Company after the  determination of the number of Shares to which a
Participant is entitled but before  delivery of such Shares to the  Participant,
then the number of Shares  that such  Participant  shall be  entitled to receive
shall be proportionately adjusted.

8.       INVESTMENT REPRESENTATION AND RESTRICTIONS ON THE STOCK

         Any Shares to be issued to a  Participant  pursuant  to the Plan may be
unregistered and, at the option of the Company,  the Participant may be required
to execute an investment letter in form satisfactory to the Company.  The Shares
shall  bear  a  legend   reflecting  the  investment   representation   and  the
unregistered status of the Shares.

9.       CHANGE IN CONTROL

         The  Committee  may  provide  in the  Program  Rules  or in  the  Award
agreement  that upon the  occurrence of a Change in Control,  the  Participant's
Incentive Award for the Plan Year, determined at the Target Award level (without
any reductions under Section 6(a)) shall be deemed to have been fully earned for
the Plan Year. The Committee may also provide that the Participant shall only be
entitled to a pro rata portion of his  Incentive  Award based upon the number of
days  within  the Plan Year that had  elapsed  as of the  effective  date of the
Change in Control. The Award agreement may also provide for accelerated payments
of Incentive Awards upon the occurrence of a Change in Control.

10.      DEFERRAL

         The  Committee  may permit a  Participant  to defer to another  plan or
program such Participant's receipt of Shares or cash that would otherwise be due
to such  Participant  by virtue of earning an Award under this Plan. If any such
deferral  election  is  required  or  permitted,  the  Committee  shall,  in its
discretion, establish rules and procedures for such payment deferral.

11.      BENEFICIARY

         Each Participant will designate a person or persons to receive,  in the
event of death,  any  Incentive  Award to which he or she would then be entitled
under Section 6(b). Such  designation  will be made in the manner  determined by
the Committee and may be revoked by the Participant in writing. If a Participant
fails  effectively  to designate a  beneficiary,  then his or her estate will be
deemed to be the beneficiary.

12.      WITHHOLDING OF TAXES

         The Company  shall deduct from each  Incentive  Award the amount of any
taxes required to be withheld by any governmental authority.

                                      -6-
<PAGE>
13.      EMPLOYMENT

         Nothing  in the Plan or in any  Incentive  Award  shall  confer  (or be
deemed to confer)  upon any  Participant  the right to continue in the employ of
the Company,  a Business Unit or an affiliate,  or interfere with or restrict in
any way the rights of the Company,  a Business Unit or an affiliate to discharge
any Participant at any time for any reason whatsoever, with or without cause.

14.      SUCCESSORS

         All obligations of the Company under the Plan with respect to Incentive
Awards  granted  hereunder  shall be binding upon any  successor to the Company,
whether such successor is the result of an acquisition of stock or assets of the
Company, a merger, a consolidation or otherwise.

15.      TERMINATION AND AMENDMENT OF THE PLAN; GOVERNING LAW

         The  Committee,  subject  to the  ratification  rights  of the Board of
Directors,  has the right to suspend or  terminate  the Plan at any time,  or to
amend the Plan in any respect,  provided  that no such action will,  without the
consent of a Participant,  adversely affect his or her rights under an Incentive
Award approved under Section 6(b).

         The Plan shall be interpreted and construed under the laws of the State
of Maryland.

         The Plan is intended to comply  with Rule 16b-3  promulgated  under the
Securities  Exchange Act of 1934, as amended,  and the Committee shall interpret
and administer  the  provisions of the Plan and any Award  agreement in a manner
consistent  therewith.  Any  provisions  inconsistent  with such  Rule  shall be
inoperative and shall not affect the validity of the Plan.

         In the event that  changes  are made to Code  Section  162(m) to permit
greater flexibility with respect to any Award under the Plan, the Committee may,
subject to this Section 15, make any  adjustments  it deems  appropriate in such
Award.

                        AS ADOPTED BY THE BOARD OF DIRECTORS,
                                December 3, 1999

                                      -7-

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