Document:

Prepared by MERRILL CORPORATION

DVI Business Credit

Asset Based HealthCare Financing

4041 Macarthur Blvd., Suite 401

Newport Beach, CA 92660

Telephone 949-474-6100

Facsimile 949-474-6199

 

October 30, 2001

 

HealthCare Integrated Services, Inc.

Shrewsbury Executive Center II

1040 Broad Street

Shrewsbury, NJ 07702

Att:  Elliott H. Vernon, Esq.

 

RE:          LOAN AND SECURITY AGREEMENT DATED

December 26, 1996 BY AND BETWEEN HealthCare Integrated Services, Inc.

("Borrower") AND DVI BUSINESS CREDIT CORPORATION ("Lender")

(as amended from time to time, the "Loan Agreement")

 

Dear Mr. Vernon:

 

In my letter dated September 6, 2001, I advised you

that DVI Business Credit would extend the expiration date of the Loan Agreement

from September 24, 2001 to October 31, 2001 to provide us with additional time

to review your credit line facility.

 

DVIBC desires to again further extend the expiration

date of the Loan Agreement from October 31, 2001 to December 15, 2001.

 

By your signature below, you hereby agree to the

extension described above.  However, if

this Extension Letter is not fully executed by the parties noted herein and

received back within three (3) business days from the date of this letter,

Lender herewith gives Borrower the requisite Notices of its Intent to Terminate

the Loan Agreement effective with the close of business October 31, 2001.

 

Lender reserves all of its rights and remedies provided under the Loan

Agreement and at law until all amounts owed by Borrower to Lender, including

all assessed interest, fees, and charges due to Lender, are paid in full.

 

Should you have any questions with regard to this

notice, please contact me at 949-474-5833 at your earliest convenience.

 

Sincerely,

 

DVI BUSINESS CREDIT CORPORATION

 

/s/ Vim Veerachaylukana

Vim Veerachaylukana

Account ExecutiveExhibit 10.1 for CommunicateNow.com, Inc.

EXIBIT 10.1

10.1     Promissory Note dated August 21, 2001 between David Hancock and
         CommunicateNow.com, Inc.

                                 Promissory Note
$ 47,200.00 USD                   Temple, Texas                 Date Aug. 21, 01

FOR VALUE RECEIVED, after date, without grace, in the manner, on the dates, and
in the amounts so herein stipulated, the Undersigned, Communicate Now.com Inc.

PROMISE TO PAY TO THE ORDER OF : David Hancock, At Temple, Texas in Bell County
                                ------------------------------------------------

                 THE SUM OF TWENTY THOUSAND DOLLARS ($47,200.00)
                 -----------------------------------------------

In lawful money of the United States of America, which shall be legal tender, in
payments of all debts and dues, public and private at the time of payment, and
to pay interest thereon from the date until maturity at the rate of 6.5% per
annum, payable as stipulated herein.

THIS NOTE IS DUE AND PAYABLE AS FOLLOWS TO WIT:

FOURTY SEVEN THOUSAND TWO HUNDRED DOLLARS ($47,200.00) principal due in on or
before Dec. 20, 2001. Interest of $2,832.00 per year payable in monthly amounts
of $236.00 on the 21st of each month.

IT IS AGREED that time is of the essence of this agreement, and that in the
event of default in the payment of any installment of principal or interest when
due, the holder of this note may declare the entirety of the evidenced herby due
and payable without notice, and failure to exercise said option shall not
constitute a waiver on part of the holder of the right to exercise the same at
any other time.

IN THE EVENT of default in the making of any payment herein provided, either or
principal or interest, or in the event the entirety of said note evidenced
hereby is declared due, interest shall accrue at the rate of 10.0% per annum
from such time.

THE UNDERSIGNED HEREBY AGREES to pay all expenses incurred, including an
additional 10.0% on the amount of principal and interest hereof as attorney's
fees, all of which shall become part of the principal hereof, if this note is
placed in the hands of an attorney for collection, or if collected by suite or
through any probate, bankruptcy or other legal proceedings,

EACH MAKER, SURETY and endorser waives demand, grace, notice, presentment for
payment, and protest and agrees and consents that this note an the liens
securing its payment, may be renewed, and the time of payment extended without
notice, and without releasing any of the parties.

This note was funded as follows:

3,000 via wire transfer on Friday Aug. 17, 2001 into CMNW Bank One operations
account
15,000 via check deposited on Tuesday Aug. 21, 2001 into CMNW Bank One
operations account
29,200 via deposit on Monday Aug. 20, 2001 into CMNW D'Hanis Bank account

                             CommunicateNow.Com Inc.
                             -----------------------

                    ----------------------------------------
                            David Hancock, PresidentExhibit 10.2 for CommunicateNow.com, Inc.

EXIBIT 10.2

10.2     Promissory Note dated September 10, 2001 between David Hancock and
         CommunicateNow.com, Inc.

                                 Promissory Note
$ 20,000.00 USD                   Temple, Texas                Date Sept. 10, 01

FOR VALUE RECEIVED, after date, without grace, in the manner, on the dates, and
in the amounts so herein stipulated, the Undersigned, Communicate Now.com Inc.

PROMISE TO PAY TO THE ORDER OF : David Hancock, At Temple, Texas in Bell County
                                ------------------------------------------------

                 THE SUM OF TWENTY THOUSAND DOLLARS ($20,000.00)
                 -----------------------------------------------

In lawful money of the United States of America, which shall be legal tender, in
payments of all debts and dues, public and private at the time of payment, and
to pay interest thereon from the date until maturity at the rate of 6.5% per
annum, payable as stipulated herein.

THIS NOTE IS DUE AND PAYABLE AS FOLLOWS TO WIT:

Twenty thousand dollars ($20,000.00) principal due on or before Dec. 10, 2001,
Interest payment due monthly on the 10th in the amount of 108.33.

IT IS AGREED that time is of the essence of this agreement, and that in the
event of default in the payment of any installment of principal or interest when
due, the holder of this note may declare the entirety of the evidenced herby due
and payable without notice, and failure to exercise said option shall not
constitute a waiver on part of the holder of the right to exercise the same at
any other time.

IN THE EVENT of default in the making of any payment herein provided, either or
principal or interest, or in the event the entirety of said note evidenced
hereby is declared due, interest shall accrue at the rate of 10.0% per annum
from such time.

THE UNDERSIGNED HEREBY AGREES to pay all expenses incurred, including an
additional 10.0% on the amount of principal and interest hereof as attorney's
fees, all of which shall become part of the principal hereof, if this note is
placed in the hands of an attorney for collection, or if collected by suite or
through any probate, bankruptcy or other legal proceedings,

EACH MAKER, SURETY and endorser waives demand, grace, notice, presentment for
payment, and protest and agrees and consents that this note an the liens
securing its payment, may be renewed, and the time of payment extended without
notice, and without releasing any of the parties.

                             CommunicateNow.Com Inc.
                             -----------------------

                    ----------------------------------------
                            David Hancock, PresidentExhibit 10.3 for CommunicateNow.com, Inc.

EXIBIT 10.3

      10.13 Lease Agreement between 3513, L.C. and CommunicateNow.com, Inc.

                         BIRD CREEK TWO OFFICE BUILDING

COMMERCIAL LEASE AGREEMENT

STATE OF TEXAS     )(

COUNTY OF BELL    )(

This contract and agreement of lease entered into by and between 3513, L.C.,
hereinafter called "Landlord" and Communicate Now.com Inc, hereinafter called
"Tenant", witnesseth:

1. PREMISES. Landlord does hereby lease unto Tenant the following described
space, herein called the Leased Premises, in the building located at 2015
Birdcreek Terrace, in the City of Temple, Bell County, Texas: Suite 102.

2. TERM. The term of this lease shall be for a period of one (I) year,
commencing on September 1, 2001, and terminating on August 31, 2002, unless
sooner terminated as hereinafter provided. If the Tenant should remain in
possession of the Leased Premises, with the consent of the Landlord after
expiration of this lease, a new tenancy from month to month shall be created
between the Landlord and Tenant which shall be subject to all the terms and
conditions of this lease, but which shall be terminable by thirty (30) days
written notice served by either Landlord or Tenant on the other party to this
lease.

3. USE. The Leased Premises shall be used and occupied by Tenant during the term
hereof for the sole and only purpose of general office use.

4. RENTS. As compensation for the use and occupancy of such premises and the
services to be performed and provided by Landlord, the Tenant agrees to pay to
the Landlord at 4102 S. 31st Street, Suite 700, Temple, Texas 76502, or at such
other address as Landlord may from time to time designate, the sum of $1.200.00
per month, payable in advance on the first day of each and every calendar month
during the term of the lease. If rent is not received by Landlord by the 5th of
each month, Tenant shall pay a late charge of $50.00 plus a penalty of $5.00 per
day until rent is received in full. Tenant shall pay $25.00 for - each returned
check.

5. LANDLORD'S LIENS. As security for the performance by the Tenant of all
covenants to be paid, kept and performed by him, the Landlord shall have the
benefit of the statutory landlord's preference lien upon all property, fixtures
goods, wares and merchandise of the Tenant that may be placed in or upon the
Leased Premises during the term hereof. Cumulative thereof, the Tenant also
gives and grants unto the Landlord an express security interest upon all goods,
wares, merchandise, fixtures and other property of the Tenant which may be
placed in or upon the Leased Premises during the term, which said security
interest shall be second and inferior to any purchase money security interest of
any third party as to any such property and which said security interest herein
granted unto Landlord shall not be applicable as to Tenant's goods, wares and
merchandise daily exposed to sale. Landlord and Tenant mutually covenant and
agree that this lease contract shall also act as a security agreement as between
Tenant, as Debtor, and Landlord, as Secured Party.

6. SERVICES PROVIDED BY LANDLORD. Landlord shall furnish the Tenant, at
Landlord's expense, the following services during the tern1 of this lease:

     (a) Restroom facilities for the use of Tenant and Tenant's employees in
     common with other tenants and their employee's on the same floor as the
     Leased Premises.
     (b) Landlord shall maintain and keep the public and common areas of the
     building, such as lobbies, stairs, corridors, and restrooms in reasonably
     good order and condition, except for damage occasioned by Tenant, or its
     employees, agents, or invitees.
     (c) Landlord shall make all structural repairs to the building and all
     repairs which may be needed to the roof, outer walls, mechanical,
     electrical, and plumbing systems in the Leased Premises, excluding repairs
     to any non-building standard fixture or other improvements installed or
     made by or at the request of Tenant.  In the event that any repair or
     replacement is required by reason of the negligence or abuse of Tenant or
     its agents, employees or invitees, or of any other person using the Leased
     Premises with Tenant's consent, express or implied, Landlord may make such
     repair and add the cost thereof to the first installment of rent thereafter
     becoming due unless Landlord shall have actually recovered such cost
     through insurance proceedings.
     (d) Tenant shall not install or operate in the Leased Premises any
     electrically operated equipment (other than adding machines and other
     office equipment normally used in modem offices), or any plumbing fixtures,
     without first obtaining the prior written consent of the Landlord.  Tenant
     shall not install any equipment of any kind or nature whatsoever which
     would or might necessitate any changes, replacements, or additions to the
     water system or plumbing system, heating system, air conditioning system,
     or the electrical system servicing the Leased Premises or any other portion
     of the building without prior written consent of the Landlord, and in the
     event such consent is granted, the entire cost of such replacements,
     changes, or additions shall be paid by the Tenant.

Landlord does not guarantee that any service will be free from reasonable
interruption caused by repairs, improvements, changes in services, alterations,
strikes, labor controversies, accidents or other causes beyond the Landlord's
control, and no such reasonable interruption not caused by the negligence of
Landlord shall be deemed a breach of its obligation thereunder or render
Landlord liable to Tenant for damages.

7. SERVICES PROVIDED BY TENANT. Tenant shall pay for janitorial and electrical
services used and consumed by it at the Leased Premises.

8. TAXES. Each year during the term of this lease, Landlord shall pay real
estate taxes assessed against the Leased Premises in an amount equal to the
total real estate taxes assessed against the Leased Premises in the base year.
Each year during the term of this lease, Tenant shall pay as additional rental,
upon receipt of a statement from Landlord together with tax statements or other
verification from the proper taxing authority, his pro rata share of any
increase in real estate taxes over the base year on the property of which the
Leased Premises is a part. Any increase in real estate taxes for a fractional
year shall be prorated. The base year shall be 200l.

Tenant shall be liable for all taxes levied or assessed against personal
property, furniture, or fixtures placed by Tenant in the Leased Premises. If any
such taxes for which Tenant is liable are levied or assessed against Landlord,
and Landlord elects to pay the taxes based on such increase, Tenant shall pay to
Landlord upon demand that part of such taxes for which Tenant is primarily
liable hereunder.

9. INSURANCE. Landlord shall pay for fire and extended coverage insurance on the
building in which the Leased Premises are located. Tenant shall pay as
additional rental to Landlord during the term hereof, his pro rata share of any
increase in premiums for the insurance required over and above such premiums
paid during the base year of this lease. Tenant shall provide general liability
and property damage insurance for its business operations on the Leased Premises
in the amount of $500.000. Said insurance policies required to be provided by
Tenant herein shall name Landlord as an additional insured and shall be issued
by an insurance company approved by Landlord. Tenant shall provide Landlord with
certificates of insurance evidencing the coverage required herein. Tenant shall
be solely responsible for fire and casualty insurance on Tenant's property on or
about the Leased Premises.

10. COMPLIANCE WITH LAWS AND REGULATIONS. Tenant shall not conduct in the Leased
Premises any action prohibited by law, and will not conduct therein any lawful
business in an unlawful manner, or permit any nuisance or annoyance to be
maintained in the Leased Premises, or commit any act or carry on any action
which might appreciably damage Landlord's goodwill or reputation or tend to
injure or depreciate the building. Tenant and Tenant's agents, employees,
patrons, and visitors shall comply with all rules and regulations furnished to
Tenant in writing from time to time.

II. CARE OF LEASED PREMISES. Tenant agrees, on behalf of itself, its employees,
and agents, that it shall:

     (a) Comply at all times with any and all applicable federal, state, and
     local statutes, regulations, ordinances, and other requirements of any of
     the constituted public authorities relating to its use and occupancy of the
     Leased Premises.
     (b) Keep the Leased Premises in good, clean condition; repair all damages
     to the Leased Premises in general, and specifically replace light bulbs and
     spot clean carpet. Reasonable use and wear thereof, damage from fire and
     extended coverage type risk, and repairs to the extent same are Landlord's
     obligations under the lease are excepted. Tenant shall replace all glass
     broken by Tenant, its agents, employees, or invitees, with glass of the
     same qualities that broken, except for glass broken by fire and extended
     coverage type risk, and commit no waste in or upon the Leased Premises.
     (c) Upon the termination of this Lease in any manner whatsoever, remove
     Tenant's goods and effects and those of any other person claiming under
     Tenant, and quit and deliver up the Leased Premises to Landlord peaceably
     and quietly in as good order and condition as at the inception of the terms
     of this lease or as the same hereafter may be improved by Landlord or
     Tenant, reasonable use and wear thereof, damage from fire and extended
     coverage type risks, and repairs to the extent same are Landlord's
     obligation under this lease excepted. Goods and effects not removed by
     Tenant at the termination of this lease, however terminated, shall be
     considered abandoned, and Landlord may dispose of and/or store the same as
     it deems expedient, the cost thereof to be charged to Tenant.
     (d) Not overload, damage or deface the Leased Premises or the building or
     do any act which might make void or violable any insurance on the Leased
     Premises or the building and/or the surrounding property, or which may
     render an increased or extra premium payable for insurance (and without
     prejudice to any right or remedy of Landlord regarding this subparagraph,
     Landlord shall have right to collect from Tenant, upon demand, any such
     increase or extra premium).
     (e) Nor install or authorize the installation of any coin operated vending
     machines whatsoever on the Leased Premises.

12. ALTERATION AND ADDITIONS. Tenants shall make no alterations or additions to
the Leased Premises without first obtaining Landlord's written consent, and if
Landlord so consents, Tenant agrees to submit the name of the contractor or
workman to Landlord for Landlord's approval prior to the commencement of any
such work, and such work will be performed in a manner and at times satisfactory
to and approved in advance in writing by Landlord. All such alterations and
additions, except trade fixtures and movable office furniture and equipment,
shall be Landlord's property, and shall remain on the Leased Premises at the
termination of this lease without compensation to Tenant.

Tenant will not mar, deface, or drill into the walls, floors, partitions,
woodwork, or plaster of the Leased Premises, and will not drive nails or insert
screws or bolts therein, except as required to install bookshelves and office
equipment. Tenant will be liable at the termination of the lease for any damage
caused by the installation of such bookshelves or office equipment.

13. SIGNS. No sign, placard, picture, advertisement, name or notice shall be
displayed or attached to any part of the building except on the walls within the
Leased Premises. Upon reasonable notice to Tenant, Landlord shall have the right
to remove any such prohibited sign, placard, picture, advertisement, name or
notice at the expense of Tenant, and Landlord shall not be liable in damages for
such removal.

Approved signs or lettering shall be printed, painted, affixed, or inscribed at
the expense of Tenant in a manner, size, material, and style acceptable to
Landlord. Landlord will provide nameplate for Tenant's entry door at Landlord's
expense.

14.WINDOW COVERINGS. Tenants shall not install or use any blinds, shades,
screens, or awnings in a window or door of the Leased Premises unless approved
in writing by the Landlord. In order that the exterior of the building in which
the Leased Premises are located shall have a uniform and attractive appearance,
Tenant shall not use any draperies or window coverings in any window or exterior
glass surface of the Leased Premises other than window coverings approved by
Landlord.

I5. FIRE OR OTHER CASUALTY. If at any time during the term hereof, the Leased
Premises shall be damaged or destroyed by fire, the elements, or any other
casualty, Tenant shall give immediate notice thereof to Landlord, and Landlord
shall proceed to repair the same, provided such damage is susceptible to repair
within a reasonable time after its occurrence. If such damage is not susceptible
to repair within a reasonable time after its occurrence, both Landlord and
Tenant shall have the option of terminating this lease. If the lease continues,
and if such damage is not caused by the negligence of Tenant, its agents,
customers, or invitees, the rental hereunder shall abate proportionally during
the period of repair to tile extent that the Leased Premises are rendered unfit
for use by Tenant in the ordinary conduct of its business. If the building is
destroyed to the extent that substantial alteration or reconstruction of the
building shall, in Landlord's sole opinion, be required, Landlord may terminate
this Lease whether or not Leased Premises be actually damaged. In no event shall
Landlord be required to repair any damage to any property installed by Tenant.

16. CONDEMNATION PROCEEDINGS. If the whole or any part of the building shall be
taken or condemned by a competent authority for any public or quasi-public use
or purpose (or sold to such an authority pursuant to the threat of such taking),
the term of this Lease shall cease and terminate from the date when possession
is delivered to the condemning authority. In the event the Leased Premises are
similarly taken, condemned or sold in whole or in part, the term of this Lease
shall cease and terminate on the date when possession is delivered to the
condemning authority. In no event shall Tenant have any claim to any award made
as the result of such taking, nor shall Tenant have any claim against Landlord
for the value of any unexpired term of this Lease, but the rent shall be abated
as of the date of such termination.

17. ASSIGNMENT OR SUBLETTING. The Tenant shall not assign this lease or sublease
the Leased Premises or any part thereof or mortgage, pledge or hypothecate this
leasehold interest or grant any concession or license within the Leased Premises
unless and until the express written consent of the Landlord is first had and
obtained. Notwithstanding any such written consent, the Tenant shall remain
jointly and severally liable with any such assignee or sublease under the terms
hereof. In the event of such assignment or sublease, if the rental due and
payable by the assignee or sublease exceeds the rental due by the Tenant unto
the Landlord under the provisions of his lease, then the Landlord shall be
entitled to any and all such excess rental. If the Tenant at any time shall
attempt to assign this lease or sublet the Leased Premises or any part thereof
without the Landlord's written consent, the Landlord, for a period of thirty
(30) days from the date of such attempted assignment or sublease by the Tenant,
shall have the right to cancel this lease (or the applicable portion thereof) as
to a partial assignment or subletting as of the commencement date stated in any
such attempted assignment and subletting.

18. DEFAULT AND REMEDIES. Each of the following events shall be deemed to be an
event of default:
     (a) The failure to pay any installment of rent or other money obligation
     herein required to be paid by Tenant unto the Landlord, or the default by
     the Tenant in the performance of or violation of any other term or
     provision of this lease, if such default is not cured within fifteen (15)
     days after written notice by the Landlord;
     (b) The filing or execution or occurrence of a petition in bankruptcy or
     other insolvency proceeding by or against the Tenant, or a petition or
     answer seeking relief under any provision of the Bankruptcy  Act, or an
     assignment for the benefit of creditors, or a petition or other proceeding
     by or against the Tenant for the appointment of a trustee, receiver or
     liquidator of the Tenant or any of the Tenant's properties, or a proceeding
     by a governmental authority for the dissolution or liquidation of the
     Tenant; or the levying of a writ of execution or attachment on or against
     the Tenant's property, or the creation of a mechanic's lien or claim
     therefor against the Leased Premises or any improvements thereon caused by
     or resulting from any work performed, materials furnished, or obligation
     incurred by or at the request of the Tenant; and
     (c) The abandonment or vacating of the Leased Premises or any substantial
     portion thereof by the Tenant.

Should any of the above events of default occur, the Landlord may, without
notice to the Tenant, thereupon re-enter and resume possession of the Leased
Premises and remove the Tenant and Tenant's property therefrom, and at
Landlord's option may either terminate this lease, or, without terminating the
lease, lease the Leased Premises or any portion thereof for the account of the
Tenant for the remainder of the term or for such term or terms as the landlord
shall see fit. Should the Landlord elect to re-let the Leased Premises for a new
tenant or tenants, then the Tenant hereunder shall also be liable for the cost
of any re- letting, including brokerage and reasonable attorney's fees. In
addition, the Tenant shall pay for each month of Tenant's unexpired term the
monthly rental above agreed to be paid by the Tenant, less such part thereof, if
any, as the Landlord shall have been able to collect from any new tenant or
tenants, with the Landlord being expressly entitled to retain as his own
property any excess rentals, if any, so collected by the Landlord. Landlord may,
however, should he so desire, without re-entering or resuming possession of the
Leased Premises, and without terminating this lease, enforce, by all proper and
legal suits and other means, his rights hereunder, including the collection of
rent. All rights and remedies of Landlord hereunder shall be cumulative, and
none shall be exclusive of the other, and shall be in addition to any remedy at
law. Tenant hereby waives any right of redemption to which he or any person
claiming under him might be entitled. Waiver of any default shall not operate to
waive or in any manner affect any subsequent default hereunder.

19. BANKRUPTCY CLAUSE. Notwithstanding any of the provisions of paragraph 18
above, if a petition in bankruptcy be filed by or against the Tenant in a court
of competent jurisdiction, the Landlord shall have the right, at his option, to
terminate this lease by giving notice in writing, by registered mail, to the
receiver or trustee in bankruptcy, no later than ten (10) days from the date of
the receipt by the Landlord of notice from such receiver or trustee in
bankruptcy of the filing of such petition in bankruptcy by or against the
Tenant.

20. INDEMNITY. The Landlord shall not be liable to Tenant, his agents,
employees, patrons, clients, customers, licensees, or invitees for any loss or
damage occurring within the Leased Premises or for any damages sustained to
person or property by reason of any defects known to tenant in the Leased
Premises or the building of which the Leased Premises are a part or the failure
of the Landlord to repair such defects where Landlord is obligated to repair,
until and unless the Tenant shall have given Landlord notice in writing of the
existence of the defects. Further, Tenant agrees to indemnify and hold Landlord
harmless from any claim, damage, or loss resulting from the use of the Leased
Premises by Tenant or anyone else.

21. SECURITY AGAINST BURGLARY, ETC. Tenant will be responsible for securing the
Leased Premises against burglary, robbery, theft, and other unlawful and
unauthorized entry, and Landlord shall have no liability to Tenant or to
Tenant's employees, customers, agents, or invitees for any loss occurring on the
Leased Premises or in the building of which the Leased Premises are apart, by
reason of burglary, theft, robbery, unlawful or unauthorized entry or otherwise
by persons other than Landlord, Landlord's agents, or employees. All doors to
the Leased Premises will have locks, and Landlord will furnish Tenant one
complete set of keys to such locks. Tenant will be responsible for making copies
of keys for employees. On the termination of this lease, all keys will be
returned to Landlord.

22. ENTRY BY LANDLORD. Landlord and Landlord's agents, building manager,
employees and independent contractors shall have the right to enter the Leased
Premises at all reasonable times, to examine the same or to show them to
prospective purchasers or mortgages of tile building, or any portion thereof,
and to make such decoration, repairs, alterations, improvements, or additions as
Landlord deems desirable, and Landlord and Landlord's agents, employees and
independent contractors shall be allowed to take all material into and upon the
Leased Premises that may be required therefor without the same constituting an
eviction of Tenant, in whole or in part, and the rent reserved shall in no way
abate while such decorations, repairs, alterations, improvements, or additions
are being made, by reason of loss or interruption of the use of the Leased
Premises by Tenant or otherwise. During the six (6) months prior to the
expiration of this Lease, Landlord may exhibit the Leased Premises to
prospective tenants thereof.

23. NOTICES. Landlord and Tenant mutually agree that all notices sent or
required to be sent by either party hereto unto the other party hereto shall be
deemed sufficient if giving in writing and forwarded by Certified Mail, Return
Receipt Requested, postage prepaid. The parties hereto may from time to time by
written notice given unto the other party change the address to which notices
shall be sent, but unless and until so changed, it is agreed that all notices
relevant hereto shall be sent:

                  a) To the Landlord:       3513, L.C.
                                            4102 S. 31'1 Street, Suite 700
                                            Temple, TX 76502

                  b) To the Tenant:         Communicate Now.com Inc.
                                            2015 Birdcreek Terrace, Suite 102
                                            Temple, TX 76502

24. SUBORDINATION. This lease is subordinate to all ground or underlying leases
and to all mortgages or deeds of trust which may now or hereafter be secured
upon the building and/or the property on which it is located and to all
renewals, modifications, consolidations, replacements, and extensions thereof.
This clause shall be self-operative - and no further instrument of subordination
shall be required, but in confirmation of such subordination, Tenant shall
execute and deliver to Landlord, within fifteen (15) days after request, any
certificate that Landlord or any mortgage may require acknowledging such
subordination. Notwithstanding the foregoing, the party holding an instrument to
which this Lease shall be subordinate shall have the right to recognize and
preserve this Lease in the event of any foreclosure sale or possessor action
and, in such case, this Lease shall continue in full force and effect at the
option of such party, and Tenant shall execute, acknowledge, and deliver any
instrument that has for its purpose and effect the confirmation of such
attornment.

25. NO PAROLE REPRESENTATIONS. Tenant recognizes that neither Landlord nor
anyone acting for Landlord has made any representations or promise with respect
to the building, the property upon which it is located or the Leased Premises,
except as herein expressly set forth and no rights, easements, or licenses are
acquired by Tenant, by implication or otherwise, except as expressly set forth
in tile provision of this Lease. Taking possession of the Leased Premises by
Tenant shall be conclusive that Tenant accepts same "as is" and that the Leased
Premises and the building were in good and satisfactory condition at the time
such possession was so taken.

26. HEIRS AND EXECUTORS BOUND; AMENDMENTS. The covenants, conditions and
agreements contained in this lease shall bind and inure to the benefit of
Landlord and Tenant and their respective heirs, distributes, executors,
administrators, successors, and except as otherwise provided in this lease,
assigns. The terms, provisions, covenants and conditions contained in this lease
are complete agreement of the parties and may not be amended, altered or changed
except by instrument in writing executed by the parties hereto.

27. PLACE OF PERFORMANCE. All covenants herein set forth shall be paid, kept and
performed at Bell County, Texas.

28. RENEWAL OPTION. If, at the end of the primary term of this lease, Tenant is
not in default on any of the terms, conditions, or covenants of the lease,
Tenant, but not any assignee or subtenant of Tenant, is hereby granted ____
options to renew this lease for an additional term of _____ years upon the same
terms and conditions contained in the lease with the following exceptions:

If Tenant desires to renew this lease, Tenant will notify Landlord of its
intention to renew no later than two (2) months prior to the expiration date of
the lease.

29. SECURITY DEPOSIT. For the purpose of securing the prompt and faithful
performance by Tenant of all and singular Tenant's agreements, covenants and
obligations hereunder, Tenant, upon the execution hereof, has deposited with
Landlord the sum of $1.151.25 which is to be held by the Landlord during the
term hereof, but Landlord shall be under no obligation to keep such deposit in a
separate account or to pay interest to Tenant- on such deposit. If and when all
Tenant's agreements, covenants and obligations hereunder shall have been fully
performed, Landlord shall promptly turn over to Tenant the amount of such
deposit. If Tenant defaults in performing any of the Tenant's agreements,
covenants or obligations hereunder, Landlord may (but is not required to), from
time to time, use and apply as much of said security deposit as shall be
necessary to cure such default and, on such event, Tenant shall within five (5)
days after demand therefore, restore said deposit to its original amount.

30. SPECIAL PROVISIONS.
     1)   This executed lease will terminate the lease dated March 9, 2001
          between 3513, L.C and CommunicateNow.com, Inc.
     2)   Tenant has paid the sum of $3,000 to be released of liability for
          Suite 101. In the event that Birdcreek I, suite 203 is leased prior to
          November 30, 2001 tenant will be reimbursed a prorated amount based on
          the day the lease is executed.

Executed this ___ day of September, 2001.

                                                3513, L.C (Landlord)
                                                ------------------
                                                By: Rodney Deyoe, Charter Real
                                                Estate Services, Inc., Agent

                                                CommunicateNow.Com Inc. (Tenant)
                                                ------------------
                                                By: David Hancock, President

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