Document:

EXHIBIT 10.1

                                 LEASE AGREEMENT
                                 ---------------

         THIS LEASE AGREEMENT ("Lease"), made as of this _____ day of
_________________, 1997, by and between East Boca Plaza Associates, Ltd., a
Florida limited partnership c/o MCAVA Real Estate, Inc. ("Landlord"), with an
address of 3612 W. Hillsboro Boulevard, Deerfield Beach, Florida 33442, and Webb
Mort gage Corporation, a Florida corporation ("Tenant"), with an address of 4400
North Federal Highway Suite 307, Boca Raton, Florida 33431.

                                    ARTICLE I
                                 GRANT AND TERM

         1.1 Premises. Landlord, in consideration of the rent to be paid and the
covenants to be performed by Tenant, does hereby demise and lease unto Tenant,
and Tenant hereby rents from Landlord, those certain premises (the "Premises"),
which is a free standing building located on an outparcel of the shopping center
known as "North Dixie Plaza" located at the southeast corner of North Dixie
Highway and Spanish River Boulevard (hereinafter referred to as "Shopping
Center"), which outparcel is more particularly described on Exhibit A, attached
hereto and made a part hereof (the "Outparcel") and depicted on the survey of
the Outparcel, which survey is attached hereto and made a part hereof as Exhibit
"A", subject to easements, restrictions and other matters of record. The
Premises has a street address of 155 N.E. Spanish River Boulevard, Boca Raton,
Florida 33431. Landlord and Tenant conclusively presume to agree for purposes of
this Lease that the Premises contains Two Thousand Five Hundred (2, 500) square
feet ("Square Footage").

         1.2 Commencement and Ending Day of Term. The term of this Lease ("Lease
Term") shall commence ("Commencement") 120 days after the date on which Landlord
notifies Tenant in writing that the Premises are available for Tenant's
occupancy, and shall end six (6) years after the Commencement Date unless sooner
terminated or extended as hereinafter provided. Tenant shall have the right to
enter the Premises on the date that the Landlord notifies Tenant in writing that
the Premises is available for Tenant's occupancy. From the date Tenant enters
the Premises and through the Commencement Date, Tenant shall have all the
duties, obligations and responsibilities under this Lease except for the payment
of Rent and Shared Expenses.

         1.3 Option to Renew. Provided that Tenant is not in default under any
of the terms, conditions or provisions of this Lease, Tenant shall have the
option to extend or renew this Lease for one (1) additional period of five (5)
years (hereinafter the "Renewal Term") . The Renewal Term shall be exercisable
by Tenant giving written notice of the exercise of such renewal option to
Landlord at least ninety (90) days prior to the expiration of the original Lease
Term. In the event that Tenant exercises the option to renew this Lease, then
the Lease Term shall be extended accordingly upon the same terms, covenants and
conditions as set forth in this Lease with respect to the original Lease Term.

         1.4 Surrender of Premises and the Outparcel. At the expiration of the
Lease Term, Tenant shall (a) surrender the Premises and the Outparcel in the
same condition as existed when Tenant took

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possession of the Premises, ordinary wear and tear excepted, and (b) deliver all
keys for and all combinations on locks, safes and vaults in the Premises to
Landlord.

         1.5      INTENTIONALLY DELETED.

         1.6 Title to the Premises. Landlord covenants and agrees that it has
full right and lawful authority to enter into this Lease for the full term
herein granted and for all extensions herein provided.

                                    ARTICLE 2
                                      RENT

         2.1      Rent.
                  -----

                  (a) Fixed Minimum Rent and Minimum Installment Payments.
Tenant agrees to pay to Landlord during the Lease Term, and any Renewal Term, if
applicable, total rent per annum in an amount equal to $33,000.00 ("Fixed
Minimum Rent"), subject to adjustment as provided for herein, which shall be
payable in equal monthly installments, in advance on or before the first day of
each month, without demand, notice, deduction or setoff of any kind ("Minimum
Installment Payments").

                  (b) Shared Expenses.

                      (i) Tax Installment Payment. In addition to Fixed Minimum
Rent, Tenant agrees to pay Landlord, during the Lease Term and all Renewal
Terms, as part of the Shared Expenses (as hereafter defined) all real estate
taxes and any and all other taxes and assessments of every kind and nature that
Landlord shall pay or be obligated to pay because of or in connection with the
Premises and the Outparcel (the "Taxes") . Tenant agrees to pay Landlord, in
advance on the first day of each month, along with the Minimum Installment
Payment, an amount equal to one-twelfth (1/12) of the Taxes (the "Tax
Installment Payment") which initially shall be approximately (subject to annual
adjustment) in the amount of Five Hundred and No/100 Dollars ($500.00) per month
as shown on Exhibit C.

                      (ii) Shared Expense Installment Payment. In addition to
Fixed Minimum Rent and the Tax Installment Payment, Tenant agrees to pay
Landlord, during the Lease Term and all Renewal Terms ("Shared Expenses
Installment Payment"), Tenant's Proportionate share of insurance and common area
maintenance, expenses and repairs, and any and all ocher costs and disbursements
of every kind and nature that Landlord shall pay or be obligated to pay because
of or in connection with the operation and maintenance of the Shopping Center
("Shared Expenses") all as hereinafter described.

                  Tenant's proportionate share of the Shared Expenses shall be
equal to the percentage which the Square Footage of the Premises bears to the
square footage of all gross leasable space in the Shopping Center (presently
72,976 square feet) ("Total Square Footage"), as the same may from time to time
increase or decrease. Tenant agrees to pay Landlord, in advance on the first day
of each

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month, along with the Minimum Installment Payment, an amount equal to
one-twelfth (1/12) of Tenant's estimated share of Shared Expenses ("Shared
Expense Installment Payment") which initially shall be (subject to annual
adjustment) in the amount cf $320.83 per month as shown on Exhibit C. Tenant's
proportionate share of the Shared Expenses shall be calculated annually or
semi-annually by Landlord and Tenant shall be obligated and agrees to remit to
Landlord, within ten (10) days of receipt of notice, the amount of Tenant's
share of Shared Expenses. The semi-annual or annual billing from Landlord to
Tenant shall set forth the total amount of Tenant's share of Shared Expenses and
credit all Shared Expense Installment Payments received by Landlord. Landlord
agrees that Tenant's Shared Expense Installment Payment shall not increase by
more than 5% over the previous calendar year. Notwithstanding the foregoing to
the contrary, however, the foregoing limitation on the increase in Tenant's
Shared Expense Installment Payments shall not be applicable to Tenant's
obligation to pay its pro rata share of (i) taxes and assessments pursuant to
Section 2.4 hereof (the Tax Installment Payment); and (ii) insurance pursuant to
Section 11.2 hereof. By way of example, in the event that taxes and/or insurance
increase by more than 5% in any given calendar year, Tenant would be obligated
to pay its full pro rata share of the foregoing regardless of the amount by
which the same has increased.

                  (c) Fixed Minimum Rent may be subject to adjustment as set
forth in Section 2.1(d) below. Minimum Installment Payments, the Tax Installment
Payment and Shared Expense Installment Payments are hereafter collectively
referred to as "Required Installment Payments," which are set forth on Exhibit
C.

                  (d) Fixed Minimum Rent and Minimum Installment Payments as set
forth in Section 2.1(a) above are based upon a rental rate of $13.20 per square
foot per annum ("Original Base Rent" or "OBR") or $2,750.00 per month and shall
be applicable for the first twenty-four (24) months of the Lease Term. The OBR
shall thereafter be as follows:

                      (i) commencing with month 25 and ending with month 36 of
the Lease Term, the OBR shall increase to $13.60 per square foot per annum or
$2,833.33 per month;

                      (ii) commencing with month 37 and ending with month 48 of
the Lease Term, the OBR shall increase to $14.00 per square foot per annum or
$2,916.67 per month;

                      (iii) commencing with month 49 and ending with month 60 of
the Lease Term, the OBR shall increase to $14.60 per square foot per annum or $
3,041.67 per month;

                      (iv) commencing with month 61 and ending with month 72 of
the Lease Term, the OBR shall increase to $15.20 per square foot per annum, or
$3,166.67 per month;

                      (v) commencing with month one (1) of the Renewal Term and
ending with month 12, the OBR shall increase to $15.81 per square foot per annum
or $3,293.75 per month;

                      (vi) commencing with month 13 of the Renewal Term and
ending with month 24, the OBR shall increase to $16.44 per square foot per annum
or $3,425.00 per month;

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                      (vii) commencing with month 25 of the Renewal Term and
ending with month 36, the OBR shall increase to $17.10 per square foot per annum
or $3,562.50 per month;

                      (viii) commencing with month 37 of the Renewal Term and
ending with month 48, the OBR shall increase to $17.78 per square foot per annum
or $3,704.17 per month; and

                      (ix) commencing with month 49 of the Renewal Term and
ending with month 60, the OBR shall increase to $18.49 per square foot per annum
or $3,852.08 per month.

                  Tenant covenants and agrees to invest a minimum of Thirty
Thousand and No/100 Dollars ($30,000) in renovations, repairs, replacements and
additions to the fixtures and non-personal property aspects of the Premises,
including, without limitation, the walls, doors, carpeting, paint, installed
lighting and plumbing ("Tenant Buildout"). Tenant Buildout shall not include
furniture (i.e, desks, wall units, bookshelves, receptionist stations, work
stations, etc.), artwork, equipment (i.e., photocopiers, computers, telefax
machines, telephone systems, etc.) and other items of removable, non-permanent
personal property. In consideration for Tenant's investment of the Tenant
Buildout, and provided that Tenant is now in default hereunder, and no event has
occurred that with the passage of time would constitute a default), Landlord
agrees that Tenant shall not be obligated to pay Minimum Installment Rent and
Shared Expense Installment Payment (except for the portion of the Shared Expense
Installment Payment attributable to insurance, as provided for in Section 11.2,
which Tenant shall be obligated to pay) through and including month 12 of the
Lease Term. In clarification of the foregoing, Tenant shall be obligated to pay
the Tax Installment Payment, its pro rata share of insurance as provided for in
Section 11.2 hereof and any other penalties or sums otherwise due hereunder
commencing on the Commencement Date. Tenant covenants and agrees to provide
Landlord with invoices, paid checks, contractor agreements and other
documentation reasonably satisfactory to Landlord evidencing Tenant's build-out
investment prior to Tenant's opening for business at the Premises . In the event
that such evidence does not reflect that Tenant's build-out investment is at
least $30,000.00, then in such event, Tenant shall have the obligation to pay
all monies due and payable hereunder, including, without limitation, the full
amount of Minimum Installment Rent and Shared Expenses.

                  Notwithstanding the foregoing to the contrary and provided
that Tenant is not in default hereunder, and no event has occurred that with the
passage of time would constitute a default, Landlord agrees that Tenant shall be
entitled to pay its entire obligation for Tax Installment Payments and the
portion of the Shared Expense Installment Payments attributable to insurance as
provided for in Section 11.2 hereof, that will accrue from the date that this
Lease is executed through and including first Lease year, in one (1) lump sum,
payable within 10 days after the date that Landlord sends the Tax Reconciliation
to Tenant.

                  Should the Lease Term commence on a day other than the first
day of a calendar month, then the rental for such month shall be prorated on a
daily basis based upon a thirty (30) day calendar month. For purposes of this
Lease, a "Lease Year" shall be defined to mean a period of twelve (12)
consecutive calendar months. The first Lease Year shall begin on the
Commencement Date. Each succeeding Lease Year shall commence on the anniversary
date of the first Lease Year

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(the Required Installment Payment and Percentage Rent are sometimes hereafter
collectively referred to as "Rent").

         2.2 INTENTIONALLY DELETED.

         2.3 INTENTIONALLY DELETED.

         2.4 Tenant Tax Obligation. Tenant agrees to pay, as the Tax Installment
Payment, all taxes and assessments which have been or may be levied or assessed
by any lawful authority, for any calendar year during the Lease Term, against
the Land and buildings presently and/or at any time during the term of this
Lease comprising the Outparcel. Any tax and/or assessment of any kind or nature
presently or hereafter imposed by the State of Florida or any political
subdivision thereof or any governmental authority having jurisdiction thereover,
upon, against or with respect to the rentals payable by tenants in the Shopping
Center or in connection with the Outparcel and the Premises, to Landlord or on
the income of Landlord derived from the Shopping Center and the Premises or with
respect to Landlord, or the individuals or entities comprising Landlord,
ownership of the land and buildings presently and/or at any time during the
Lease Term comprising the Shopping Center and the Outparcel, either by way of
substitution for all or any part of the taxes and assessments levied or assessed
against such land and such buildings, or in addition thereto, shall be deemed to
constitute a tax and/or assessment against such land and such buildings for the
purpose of this Section and Tenant shall be obligated to pay its proportionate
share thereof as provided herein. In addition, should any governmental authority
having jurisdiction thereover impose a tax or surcharge of any kind or nature
upon, against or with respect to the parking areas or the number of parking
spaces in the Shopping Center or the Outparcel, such tax or surcharge shall
likewise be deemed to constitute a tax and/or assessment against such land and
such buildings for the purpose of this Section and Tenant shall be obligated to
pay its proportionate share thereof as provided herein. Tenant shall not be
obligated to pay Landlord's income taxes.

                  The aforesaid taxes and assessments levied or assessed for or
during the term hereof, as determined by Landlord shall, as already provided, be
paid in monthly installments, as the Tax Installment Payment portion of the
Required Installment Payment; provided, that in the event Landlord is required
under any mortgage covering the Shopping Center and/or the Outparcel to escrow
real estate taxes, Landlord may, but shall not be obligated to, use the amount
required to be so escrowed as a basis for its estimate of the monthly
installments due from Tenant hereunder. Upon receipt of all tax bills and
assessment bills attributable to any calendar year during the Lease Term,
Landlord shall furnish Tenant with a written statement of the actual amount of
Tenant's proportionate share of the taxes and assessments for such year. In the
event no tax bill is available, Landlord will compute the amount of such tax. If
the total amount paid by Tenant under this Section for any calendar year during
the Lease Term shall be less than the actual amount due from Tenant for such
year, as shown on such statement, Tenant shall pay to Landlord the difference
between the amount paid by Tenant and the actual amount due, such deficiency to
be paid within ten (10) days after receipt of notice from Landlord. If the
amount actually paid by Tenant exceeds such actual amount due from Tenant for
such calendar year, such excess shall be credited against the next installment
of taxes and assessments due from Tenant to Landlord hereunder. A copy of a tax
bill or assessment

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bill submitted by Landlord to Tenant shall at all times be sufficient evidence
of the amount of taxes and/or assessments assessed or levied against the
property to which such bill relates.

                  Prior to or on the Commencement Date and from time to time
thereafter throughout the Lease Term, Landlord shall notify Tenant in writing of
Landlord's estimate of Tenant's monthly installments due hereunder. Landlord and
Tenant's obligations under this Section shall survive the expiration or earlier
termination of this Lease.

         2.5 Additional Rent. Rent shall be defined in this Lease as the
Required Installment Payment and Percentage Rent only, which sums shall be
payable in the manner provided in this Lease. Any and all other sums of money or
charges required to be paid by Tenant pursuant to the provisions of this Lease
or in the Exhibits attached hereto, whether or not the same be so designated,
shall be considered "Additional Rent" and shall be due and payable and
recoverable in the same manner as Rent.

         2.6 Late Payment Penalty. If Tenant shall fail to pay within ten (10)
day's from when due any Rent or other charges designated as Additional Rent,
Tenant shall pay to Landlord, on demand, a late charge of five percent (5%) of
the late amount. In the event Tenant fails to pay such late charge, such unpaid
amounts shall thereafter bear interest from the due date thereof to the date of
payment at the highest rate chargeable by applicable law ("Applicable Rate").

         2.7 Expenditures by Landlord. If Landlord shall make any expenditure
for which Tenant is liable under this Lease, the amount thereof shall be deemed
Additional Rent due and payable by Tenant with the succeeding installment of
Rent (unless some other date is expressly provided herein for payment of such
amount) together with interest thereon at the Applicable Rate.

         2.8 Sales, Use and Excise Taxes. Tenant shall pay all sales, use and
other taxes imposed by any governmental authorities upon the manufacture, sale,
use, transmission, distribution or other process necessary or incidental to the
furnishing of sewer, water, electricity, and domestic water or other services to
the Premises and the Outparcel. Tenant shall pay, before delinquency, all
personal property taxes and assessments on the furniture, fixtures, equipment,
and other property of Tenant located in the Premises and on additions and
improvements in the Premises belonging to Tenant. Tenant shall also pay, as
Additional Rent, all sales tax assessed against the Rent by governmental
authority, even though taxing statute or ordinance may purport to impose such
sales tax against Landlord. The payment of sales tax shall be made by Tenant on
a monthly basis, concurrently with payment of the Rent.

         2.9 Net Lease. It is the intent of the parties hereto that Rent payable
under this Lease is absolutely net to Landlord, except as expressly provided for
in the Lease Any amount and any obligation which is not expressly declared
herein to be that of Landlord pertaining to the Premises and the Outparcel shall
be deemed to be the obligation of Tenant to be performed by and at the expense
of Tenant.

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                                    ARTICLE 3
                              INTENTIONALLY DELETED

                                    ARTICLE 4
                              INTENTIONALLY DELETED

                                    ARTICLE 5
                            LANDLORD'S WORK, TENANT'S
                        POSSESSION DATE AND CANCELLATION

         5.1 INTENTIONALLY DELETED.

         5.2 Delivery of Possession Ready for Occupancy. It is agreed that by
taking possession of the Premises, Tenant accepts the Premises in its/their
existing "AS-IS" "WHERE-IS" condition without representation or warranty by
Landlord of any kind or nature whatsoever.

         5.3 INTENTIONALLY DELETED.

         5.4 Changes and Conditions. Landlord reserves the right at any time,
and from time to time, to construct other buildings and improvements in the
Shopping Center, and to enlarge the building or buildings within the Shopping
Center, and to build adjoining thereto and to construct decks or elevated
parking facilities and free-standing, single story buildings within the parking
lot areas of the Shopping Center. Landlord reserves the right at any time to
relocate the various buildings, other than the Premises and to reconfigure the
common areas of the Shopping Center and the common areas of the Outparcel and to
remove the drive through lanes located on the Outparcel.

                                    ARTICLE 6
                            CONSTRUCTION OF PREMISES

         6.1 Construction. Tenant hereby agrees, at Tenant's sole cost and
expense, to (a) build-out the Premises, prepare its store layout, store front
design and mechanical and electrical requirements and deliver the plans for the
same to Landlord's architect within ten (10) days after the execution of this
Lease; (b) furnish and install trade fixtures as required by Tenant's office
layout, which fixtures shall be new, unless otherwise approved in writing by
Landlord prior to the Commencement Date; and (c) furnish and install its office
layout, store front design and mechanical and electrical requirements prior to
the Commencement Date. Notwithstanding the foregoing to the contrary, Landlord
agrees to reimburse Tenant for Tenant's approved build-out of the Premises in
accordance with the plans approved by Landlord in an amount not to exceed
Thirty-Two Thousand Five Hundred and No/100 Dollars ($32,500.00), which shall be
payable to Tenant fifteen (15) days after Landlord has received from Tenant paid
receipts from bonafide third party contractors for building materials; or labor
provided to the Premises and all other evidence reasonably requested by Landlord
evidencing Tenant's payment of the same; but in no event sooner than Tenant's
commencement of payment of Required Installment Payments.

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         6.2 Settlement of Disputes. It is understood and agreed that any
disagreement or dispute which may arise between Landlord and Tenant with
reference to the work to be performed with respect to the Premises pursuant to
the Plans shall be submitted to Landlord's registered architect, whose decision
shall be final and binding on both Landlord and Tenant.

                                    ARTICLE 7
                          CONDUCT OF BUSINESS BY TENANT

         7.1 Use of Premises. Tenant shall use and occupy the Premises during
the Lease Term solely for the purpose of conducting business as a general
office. Tenant shall not use, permit or suffer the use of the Premises for any
other business or purpose. Tenant shall not sell, display or advertise any
Merchandise not specifically permitted by this paragraph. Tenant further agrees
to conduct its business in the Premises under the name of or trade name Boca
Laser as and under no other name or trade name. If any governmental license or
permit shall be required for the proper and lawful conduct of Tenant's business
or other activity carried on in the Premises or if a failure to procure such a
license or permit might or would, in any way, affect the Landlord or the
Shopping Premises, then Tenant, at Tenant's expense, shall duly procure ,and
thereafter maintain such license or permit and submit the same to inspection by
Landlord. Tenant, at Tenant's expense, shall, at all times, comply with the
requirements of each such license or permit.

         7.2 Use Restriction Language. Tenant covenants and agrees not to
violate any of the "Use Restrictions" set forth on Exhibit D attached hereto and
made a part hereof. Tenant understands and acknowledges that any violation by
Tenant of such Use Restrictions could cause Landlord to be in default under its
obligations to other tenants at the Shopping Center which could subject the
Landlord to liability to such other tenants.

         7.3 Operation of Business. Tenant covenants and agrees to operate one
hundred percent (100%) of the Premises with due diligence and efficiency during
the entire Lease Term, continuously, and to conduct its business at all times in
a high class and reputable manner, maintaining at all rimes a full staff of
employees and a full and complete stock of merchandise. Tenant shall install and
maintain at all times a professionally prepared display of merchandise in the
display windows, if any, of the Premises and shall keep same well lighted during
all Shopping Center business hours and at least one hour thereafter. Tenant
shall, at Tenant's sole cost and expense, promptly comply with all laws,
statutes, ordinances, rules and regulations (including orders concerning
environmental protection) of all federal, state, county, municipal and other
applicable governmental authorities, now in force, or which may hereafter be in
force, pertaining to Tenant or its use of the Premises. Tenant agrees that it
will conduct its business in the Premises during at least eight (8) hours per
day Monday through Friday and will conduct such business in a lawful manner and
in good faith, and will not do any act tending to injure the reputation of the
Shopping Center. Tenant shall not permit noise or odors in the Premises which
are objected to by any tenant or occupant of the Shopping Center and upon
written notice from Landlord, Tenant shall immediately cease and desist from
causing such noise or order, and failing of which Landlord may deem the same a
material breach of the Lease. Tenant shall not permit the operation of any
vending machines or pay telephones on the Premises. Tenant shall not use the
areas adjacent to the Premises for business purpose. Tenant agrees that all
receiving and delivery of goods and merchandise and all removal of

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merchandise, supplies, equipment, trash and garbage shall be made only by way of
the areas provided therefor by Landlord. Tenant shall not use or permit the use
of any portion of said premises as sleeping apartments, lodging rooms, or for
any unlawful purposes. No radio or television or other similar device shall be
installed exterior to the Premises and no aerial shall be erected on the roof or
exterior walls of the Premises. No merchandise or other obstruction shall be
placed or permitted on the walks located on the Outparcel. Landlord may direct
the use of all pest extermination and scavenger contractors at such intervals as
Landlord may require. Failure of Tenant to strictly adhere to the provisions of
this Section will result in damages to Landlord, including, without limitation,
diminished salability, mortgage ability and economic value.

         7.4 INTENTIONALLY DELETED.

         7.5 Storage, Office Space. Tenant shall warehouse, store and/or stock
in the Premises only such goods, wares and merchandise as Tenant intends to
offer for sale at, in, from or upon the Premises. This shall not preclude
occasional emergency transfers of merchandise from the other stores of Tenant,
if any, not located in the Shopping Center. Tenant shall use for office,
clerical or other non-selling purposes only such space in the Premises as is
from time to time reasonably required for Tenant's business in the Premises.

         7.6 Care of Premises. Tenant shall keep the Premises and the Outparcel,
including the show windows and signs, orderly, neat, safe and clean and free
from rubbish and dirt at all times and shall store all trash and garbage within
the Premises and the Outparcel and arrange for the regular pickup of such trash
and garbage at Tenant's expense. Tenant shall not burn any trash or garbage at
any time in or about the building. If Landlord shall provide any services or
facilities for such pickup, then Tenant shall be obligated to use the same and
shall pay a proportionate share of the actual cost thereof within ten (10) days
after being billed therefor. In the event Tenant fails to keep the Premises and
the Outparcel in the condition called for above, Landlord may enter upon the
Premises and the Outparcel and have all rubbish, dirt, trash and garbage removed
and the sidewalks cleaned, in which event Tenant agrees to pay all charges
incurred by Landlord therefor.

                                    ARTICLE 8
                    OPERATION AND MAINTENANCE OF COMMON AREAS

         8.1 Operation of Common Areas. Landlord agrees to cause to be operated,
managed and maintained during the term of this Lease all parking areas, roads,
sidewalks, landscaping, drainage, common area lighting facilities, in the
Shopping Center property and the Outparcel and all other common areas and
facilities in the Shopping Center. The manner in which such areas and facilities
shall be maintained and operated and the expenditures therefor shall be at the
sole discretion of the Landlord, and the use of such areas and facilities shall
be subject to such reasonable regulations as Landlord shall make from time to
time.

         8.2 Tenant's Pro rata Share of Expenses. Tenant agrees to pay Landlord
as part of the Shared Expenses, Tenant's proportionate share of all costs and
expenses of every kind and nature paid or incurred by Landlord in operating,
equipping, policing and protecting, lighting, heating, insuring, repairing,
replacing and maintaining the common areas of the Shopping Center including

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the cost of insuring all property provided by Landlord which may at any time
comprise the Shopping Center. Such costs and expenses shall include, but not be
limited to, illumination and maintenance of Shopping Center signs, whether
located on or off the Shopping Center site; cleaning, lighting, striping and
landscaping; premiums for liability and property insurance; personal property
taxes; supplies, holiday decorations; pre-opening costs; the cost of maintenance
and replacement of equipment supplying music to the common areas; the reasonable
depreciation of maintenance equipment used in the operation and maintenance of
the common areas and project areas; contribution for amortization of the cost of
all capital investment items which are primarily for the purposes of increasing
the operating efficiency of any portion of the Premises, reducing the Shared
Expenses or attempting to satisfy what may be required by any governmental
authority; total compensation and benefits (including premiums for workmen's
compensation and other insurance) paid to or on behalf of employees involved in
the performance of the work specified in this Section. Included in the costs of
such common area maintenance shall be a management fee paid by or to Landlord,
provided such fee does not exceed the market rates for such services. For the
purpose hereof, any charges for utilities contained in the foregoing costs and
expenses shall be at the same rates as the rates for comparable service from the
applicable utility company serving the area in which the Shopping Center is
located.

                  Within ninety (90) days after the end of each Lease Year or
partial Lease Year, Landlord shall furnish Tenant with a statement of the actual
amount of Tenant's proportionate share of such costs and expenses for such
period. If the total amount paid by Tenant under this Section for any calendar
year shall be less than the actual amount due from Tenant for such year as shown
on such statement, Tenant shall pay to Landlord the difference between the
amount paid by Tenant and the actual amount due, such deficiency to be paid
within ten (10) days after the furnishing of each such statement, and if the
total amount paid by Tenant hereunder for any such calendar year shall exceed
such actual amount due from Tenant for such calendar year, such excess shall be
credited against the next installment due from Tenant to Landlord under this
Section. The foregoing notwithstanding, Landlord's operating expenses shall be
reasonable; that is, the charges for the cost of operating the building, the
cost of equipment, salaries, the cost of common area maintenance and related
operating expenses shall be comparable on a square foot basis to those costs and
expenses incurred by similar shopping centers in the subject market area. With
respect to each calendar month falling wholly within the term of this Lease,
Tenant shall pay in advance, on the first of the month, one-twelfth (1/12) of
Tenant's estimated annual pro-rata share of such costs and expenses, which costs
and expenses, as aforesaid, comprise a portion of the Shared Expenses.

         8.3 Use of Common Areas. The term "common areas", as used in this
Lease, shall mean the parking areas, roadways, pedestrian sidewalks, truck ways,
loading docks, delivery areas, landscaped areas, public bathrooms and comfort
Stations, flashings, gutters and downspouts, and all other areas or improvements
which may be provided by the Landlord for the convenience and use of the tenants
of the Shopping Center and their respective subtenants, agents, employees,
customers, invitees, and any other licensees of Landlord. The use and occupancy
by the Tenant of the Premises shall include the use, in common with all others
to whom Landlord has granted or may hereafter grant rights to use the same of
the common areas located within the Shopping Center, and of such other
facilities as may be designated from time to time, subject, however, to rules
and Regulations for the use thereof as prescribed from time to time by the
Landlord. Tenant and its employees shall

                                       10

<PAGE>

park their cars only in areas specifically designated from time to time by
Landlord for that purpose. Automobile license numbers of employees' cars shall
be furnished to Landlord, upon Landlord's request. Landlord may at any time
close temporarily any common area to make repairs or changes, to prevent the
acquisition of public rights in such area or to discourage non-customer parking;
and may do such other acts in and to the common areas as in its judgment may be
desirable to improve the convenience thereof.

                                    ARTICLE 9
                              ALTERATIONS AND SIGNS

         9.1 Alterations by Tenant. Tenant will not make any alterations,
renovations, improvements or other installations in or to any part of the
Premises or the outparcel (including, without limitation, any alterations of the
storefront, signs, structural alterations, or any cutting or drilling into any
part of the Premises or any securing of any fixture, apparatus or equipment of
any kind to any part of the Premises) , unless and until Tenant shall have
caused plans and specifications therefor to have been prepared, at Tenant's
expense, by an architect or other duly qualified person and shall obtain
Landlord's written approval thereof. If such approval is granted, Tenant shall
cause the work described in such plans and specifications to be performed, at
its expense, promptly, efficiently, competently and in a good and workmanlike
manner by duly qualified or licensed persons or entities. All such work shall
comply with all rules and regulations from time to time adopted by Landlord.
Tenant shall have the right to install a satellite dish on the roof of the
Premises, subject to Landlord's prior written approval as more particularly set
forth in this paragraph. Tenant may, from time to time, at Tenant's sole cost
and expense, paint and decorate the Premises and make such non-structural
changes, alterations, additions and improvements as will, in the reasonable
judgment of Tenant, better adapt the Premises for the conduct of Tenant's
business.

         9.2 Fixture and Personal Property. Any trade fixtures, signs and other
personal property of Tenant not permanently affixed to the Premises shall remain
the property of Tenant. All improvements to the Premises by Tenant, including,
but not limited to, light fixtures, floor coverings and partitions, but
excluding trade fixtures and signs, shall become the property of Landlord upon
the expiration or earlier termination of this Lease. For the purpose of securing
all rental and other sums due hereunder, this Lease shall also be deemed a
security agreement under the Uniform Commercial Code as such is in effect in the
state of Florida, and Landlord shall have all rights and remedies provided by
such Uniform Commercial Code. Tenant hereby grants to Landlord a security
interest in and to all of Tenant's inventory, equipment, fixtures, general
intangibles, instruments, goods, documents, chattel paper and accounts now or
hereafter located at the Premises or otherwise. Tenant agrees to execute such
financing statements evidencing the foregoing upon request of Landlord.
Notwithstanding the foregoing, Tenant hereby irrevocably appoints Landlord as
Attorney in Fact for Tenant, with full power and authority to execute and
deliver, in the name of Tenant, any financing statements or other instruments
required by Landlord.

         9.3 Signs. Tenant will not place or cause to be placed or maintained
any sign or advertising matter of any kind anywhere within the Shopping Center,
the Premises or the Outparcel, except in the interior of the Premises, without
Landlord's prior written approval. No symbol, design, name, mark or insignia
adopted by the Landlord for the Shopping Center shall be used without the

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<PAGE>

prior written consent of Landlord. No illuminated signs located in the interior
of any store and which are visible from the outside shall advertise any product.
All signs located in the interior of any store shall be in good taste so as not
to detract from the general appearance of the store, the Premises, the Outparcel
and the Shopping Center. Tenant further agrees to maintain in good condition and
repair at all times any such sign or advertising matter of any kind which has
been approved by Landlord for use by Tenant. At such time as Landlord's sign
criteria and specifications are completed, they will be attached to and become
part of this Lease as Exhibit E.

         9.4  INTENTIONALLY DELETED.

                                   ARTICLE 10
                             MAINTENANCE OF PREMISES

         10.1 Landlord's Obligations for Maintenance. Landlord shall keep and
maintain (and the cost thereof shall be included in the Shared Expenses), the
foundation, exterior walls and roof of the building in which the Premises is
located and the structural portions of the Premises which were originally
installed by Landlord; exclusive of doors, door frames, door checks, windows,
and exclusive of window frames located in exterior building walls, in good
repair, to the extent that Landlord is reimbursed therefor under any policy of
insurance permitting waiver of subrogation in advance of loss; except, however,
that Landlord shall not be called upon to make any such repairs occasioned by
the act or negligence of Tenant, its agents, employees, licensees or
contractors. Landlord shall not be called upon to make any other improvements or
repairs of any kind upon the Premises and appurtenances, except as may be
specifically required hereunder.

         10.2 Tenant's Obligations for Maintenance.

              (a) Except as provided in Section 10.1 above, Tenant shall keep
and maintain in good order, condition and repair (including replacement parts
and equipment if necessary) the Premises and every part thereof and any and all
appurtenances thereto wherever located, including, but without limitation, the
exterior and interior portion of all doors, door checks, windows, plate glass
store front, all electrical plumbing and sewage facilities within the Premises,
including free flow up to the main sewer line, fixtures, heating and air
conditioning and electrical systems (whether or not located in the Premises),
sprinkler system, walls, floors and ceilings. The plumbing and sewage facilities
shall not be used for any other purpose than for which they are constructed, and
no foreign substance of any kind shall be introduced therein. Tenant hereby
agrees to be responsible for any expenses incurred in connection with any
breakage, stoppage or damage, resulting from a violation of this provision by
Tenant, its agents, employees, invitees, licensees or contractors.

              (b) Tenant shall keep and maintain the Premises in a clean,
sanitary and safe condition in accordance with the laws of the State of Florida
and in accordance with all directions, rules and regulations of the health
officer, fire marshall, building inspector, or other proper officials of the
governmental agencies having jurisdiction, at the sole cost and expense of
Tenant, and Tenant shall comply with all requirements of law, ordinance and
otherwise, affecting the Premises. If Tenant refuses or neglects to commence or
complete repairs required by subparagraphs (a) and (b) hereof promptly and
adequately, Landlord may, without notice and without having any obligation to do
so,

                                       12

<PAGE>

make all or any part of said repairs and Tenant shall pay the cost thereof to
Landlord upon demand, as Additional Rent. Tenant covenants to give Landlord
prompt written notice of any accident, fire or damage occurring on or to the
Premises or to any defects therein or in any fixtures or equipment. Neither
Landlord nor Landlord's agents or servants shall be liable for any damages
caused by or growing out of any breakage, leakage, or defective condition of the
electric wiring, air conditioning or heating pipes and equipment, closets,
plumbing, appliances, sprinklers, other equipment, or other facilities, serving
the Premises. Neither Landlord nor Landlord's agents or servants shall be liable
for any damages caused by, or growing out of any defect in the Premises or any
part thereof for fire, rain, wind or other cause.

              (c) Tenant, at its own expense, shall install and maintain fire
extinguishers and other fire protection devices as may be required from time to
time by any agency having jurisdiction thereof and the insurance underwriters
insuring the building in which the Premises are located.

              (d) Landlord, at its option, may obtain an air conditioning
maintenance agreement servicing all or part of the Shopping Center, and in such
event, the cost of said agreement shall be borne proportionately among the
tenants of the Shopping Center, as part of the Shared Expenses.

         10.3 Liens. Tenant hereby acknowledges that the interest of Landlord in
the Premises shall not be subject to liens for improvements made by Tenant. In
confirmation of the foregoing, nothing contained in this Lease shall be
construed as a consent on the part of Landlord to subject the estate of Landlord
to liability under the construction lien law of the State of Florida, it being
expressly understood that Landlord's estate shall not be subject to such
liability. Tenant shall strictly comply with the construction lien law of the
State of Florida. In the event that a claim of lien is filed against the
Premises or all or any portion of the Shopping Center in connection with any
work performed by or on behalf of Tenant, Tenant shall satisfy such claim, or
shall transfer same to security, within ten (10) days from the date of filing.
In the event that Tenant fails to satisfy or transfer such claim within said ten
(10) day period, Landlord may do so and thereafter charge Tenant, as Additional
Rent, all costs incurred by Landlord in connection with satisfaction or transfer
of such claim, including attorneys' fees. Further, Tenant agrees to indemnify,
defend and save Landlord harmless from and against any damage or loss incurred
by Landlord as a result of any such claims of lien. If so requested by Landlord,
Tenant shall execute a short form or memorandum of this Lease, which may, in
Landlord's discretion be recorded in the Public Records for the purpose of
protecting Landlord's estate from claims of lien, as provided in Florida
statutes. In the event such short form or memorandum of lease is executed,
Tenant shall simultaneously execute and deliver to Landlord an instrument
terminating Tenant's interest in the real property upon which the Premises is
located which instrument may be recorded by Landlord at the expiration of the
Lease Term, or such earlier termination hereof. This paragraph shall survive the
expiration of the Lease Term or the earlier termination of this Lease.

                                   ARTICLE 11
                             INSURANCE AND INDEMNITY

         11.1 Insurance Coverage by Tenant. Tenant agrees to carry and keep in
full force and effect, during the Lease Term: (a) bodily injury, public
liability insurance on and adjacent to the

                                       13

<PAGE>

Premises and the Outparcel against the liability of Tenant and its authorized
representatives arising out of or in connection with Tenant's use or occupancy
of the Premises and the Outparcel, with limits of coverage of not less than One
Million and No/100 Dollars ($1,000,000.00) per accident and injury or death;
property damage insurance in an amount not less than Five Hundred Thousand and
No/100 Dollars ($500,000.000); (b) workers compensation insurance in the maximum
amount permitted under Florida law; (c) insurance against fire, flood and such
other risks as are, from time to time, included in standard extended coverage
insurance, including insurance against sprinkler damage, vandalism and malicious
mischief; and (d) plate glass insurance covering all the plate glass of the
Premises, in amounts satisfactory to Landlord; (e) rent or rent value insurance
including an extended coverage endorsement with respect to the Premises in an
amount equal to the annual Rent for the Premises; and (f) such other insurance
as Landlord deems reasonably necessary or desirable to protect the Premises and
the Outparcel against loss. Payments for losses under any such insurance
policies shall be made solely to Landlord. Landlord may require Tenant to
increase the foregoing limits of liability insurance from time to time to new
levels reasonably required by Landlord. The proceeds of such insurance, so long
as this Lease remains in effect, shall be used by Landlord in Landlord's sole
and absolute discretion. The replacement of any plate glass damaged or broken
from any cause whatsoever in and about the Premises shall be Tenant's
responsibility. All policies shall name Landlord, any person, firms, or
corporations designated by Landlord, as additional insured(s), and shall contain
a clause that the insurer will not cancel or change the insurance without first
giving Landlord ten (10) days prior written notice. The insurance carrier
providing the insurance as required hereunder shall be satisfactory to Landlord
in Landlord's sole discretion and licensed in the State of Florida. Tenant shall
provide Landlord with copies of the policies or certificates evidencing that
such insurance is in full force and effect and stating the terms thereof. The
limits of such insurance shall not, under any circumstances, limit the liability
of Tenant hereunder. In the event Tenant fails to procure, maintain and/or pay
for the insurance required by this Lease, at the times and of the durations
specified in this Lease, Landlord shall have the right, but not the obligation,
at any time and from time to time, and without notice to Tenant, to procure such
insurance and/or pay for the premiums for such insurance, in which event Tenant
shall repay Landlord immediately upon demand by Landlord as Additional Rent
hereunder, all sums so paid by Landlord together with the interest at the
Applicable Rate, together with any costs or expenses incurred by Landlord in
connection therewith, without prejudice to any other rights and remedies of the
Landlord under this Lease. Each policy evidencing the insurance to be carried by
Tenant pursuant to this Lease shall contain a clause that such policy and the
coverage evidenced thereby shall be primary with respect to any policies by
Landlord and that any coverage carried by Landlord shall be excess insurance.

         11.2 Insurance Coverage by Landlord. Landlord shall maintain during the
Lease Term (and the cost thereof shall be included in the Shared Expenses),
insurance for fire, extended coverage, flood, windstorm, vandalism and malicious
mischief, insuring the improvements located on the Premises and all
appurtenances thereto (excluding wall covering, floor covering and drapes).
Landlord may also maintain (a) rent or rent value insurance including an
extended coverage endorsement with respect to the Premises in an amount equal to
the annual Rent for the Premises; and (b) such other insurance as Landlord deems
reasonably necessary or desirable to protect the Premises against loss.

                                       14

<PAGE>

                  Payments for losses under any such insurance policies shall be
made solely to Landlord. Notwithstanding the foregoing, if any loss sustained by
Landlord is caused by the negligence of Tenant, its agents, servants, employees,
licensees, invitees or guests, then Tenant shall be liable to Landlord for the
amount of the deductible under Landlord's insurance. Further, Landlord shall not
be responsible for loss or damage to items for which Tenant is responsible, as
is more fully set forth above.

         11.3 Waiver of Subrogation. Landlord and Tenant waive, unless said
waiver should invalidate any such insurance, their right to recover damages
against each other for any reason whatsoever to the extent the damaged property
owner recovers indemnity from its insurance carrier. All public liability and
property damage policies shall contain an endorsement that Landlord, although
named as an additional insured, shall nevertheless be entitled to recover the
damages caused by the negligence of Tenant.

         11.4 Tenant's Contractor's Insurance. Tenant shall require any
contractor of Tenant performing work on the Premises to carry and maintain, at
no expense to Landlord:

              (a) Comprehensive general liability insurance, including
contractor's liability coverage, contractual liability coverage, completed
operations coverage, broad form property damage endorsement and contractor's
protective liability coverage to afford protection, with limits for each
occurrence of not less than Three Million and No/100 Dollars ($3,000,000.00)
with respect to personal injury or death, and One Million and No/100 Dollars
($1,000,000.00) with respect to personal injury or death, and One Million and
No/100 Dollars ($1,000,000.00) with respect to property damage; and

              (b) Workers' compensation or similar insurance in form and amounts
required by law.

         11.5 Increase in Fire Insurance Premium. Tenant agrees that it will not
keep, use, sell or offer for sale in or upon the Premises any article which may
be prohibited by the standard form of fire and extended risk insurance policy.
Tenant agrees to pay any increase in premiums for fire and extended coverage
insurance that may be charged during the Lease Term on the amount of such
insurance which may be carried by Landlord on the Premises or the building of
which they are a part, resulting from the type of merchandise sold by Tenant in
the Premises or resulting from Tenant's use of the Premises, whether or not
Landlord has consented to the same. In determining whether increased premiums
are the result of Tenant's use of the Premises, a schedule issued by the
organization making the insurance rate on the Premises, showing the various
components of such rate, shall be conclusive evidence of the several items and
charges which make up the fire insurance rate on the Premises. Tenant agrees to
promptly make, at Tenant's cost, any repairs, alterations, changes and/or
improvements to equipment in the Premises required by the company issuing
Landlord's fire insurance so as to avoid the cancellation of or the increase in
premiums on said insurance.

                                   ARTICLE 12
                                 UTILITY CHARGES

                                       15

<PAGE>

         12.1 Utility Charges. Tenant shall be solely responsible for and
promptly and timely pay all charges for the use or consumption of all utility
services used or consumed within the Premises or in connection with the
Outparcel, including, without limitation, water, gas, heat, electricity and
sewer. If Landlord shall elect to supply any of the foregoing utilities used
upon or furnished to the Premises and the Outparcel, Tenant agrees to purchase
and pay for same as Additional Rent, at the applicable rates filed by the
utility company serving the area with the proper regulating authority and in
effect from time to time covering such services. Further, Tenant hereby agrees
to pay any cost incurred by Landlord in connection with the maintenance and
operation of any such utility system for the use of the Premises and the
Outparcel. The obligation of the Tenant to pay for such utilities shall commence
on the Commencement Date, without regard to any free rental period or formal
commencement date of this Lease.

                                   ARTICLE 13
                 OFF-SET STATEMENT, ATTORNMENT AND SUBORDINATION

         13.1 Off-Set Statement. Tenant agrees within ten (10) days after
request by Landlord to execute in recordable form and deliver to Landlord a
statement, supplied by Landlord, certifying (a) that this Lease is in full force
arid effect, (b) the Commencement Date, (c) that rent is paid currently without
any off-set or defense thereto, (d) the amount of Rent, if any, paid in advance,
(e) that there are no uncured defaults by Landlord or stating those claimed by
Tenant, provided that, in fact, such facts are accurate and ascertainable; and
(f) any and all other information requested by Landlord.

         13.2 Attornment. Tenant shall, in the event of a sale or assignment of
Landlord's interest in whole or in part in the Premises, or if the Premises or
the Outparcel comes into the hands of a mortgagee, ground lessor or any other
person, whether because of a mortgage foreclosure, exercise of a power of sale
under a mortgage, termination of the ground lease or otherwise, attorn to the
purchaser or such mortgagee or other person and recognize the same as Landlord
hereunder. Tenant shall execute, at Landlord's request, any attornment agreement
required by any mortgagee, ground lessor or other such person to be executed,
containing such provisions as such mortgagee, ground lessor or other person
requires.

         13.3 Subordination. Tenant hereby subordinates its rights hereunder to
the lien of any mortgage or mortgages or the lien resulting from any other
method of financing or refinancing, now or hereafter in force against the
Premises and to all advances made or hereafter to be made upon the security
thereof. This shall be self-operative and no further instrument of subordination
shall be required by any mortgage. However, Tenant, upon request of any party in
interest, shall execute promptly such instrument or certificates to carry out
the intent hereof as shall be required by Landlord. Tenant hereby irrevocably
appoints Landlord as Attorney in Fact for Tenant, with full power and authority
to execute and deliver, in the name of Tenant, any such instrument or
certificates.

         13.4 Financing Agreements. Tenant shall not enter into, execute or
deliver any financing agreement that can be considered as a priority to any
mortgage or deed of trust that Landlord may have placed upon the Premises.

                                       16

<PAGE>

                                   ARTICLE 14
                            ASSIGNMENT AND SUBLETTING

         14.1 Consent Required. Tenant shall not sell, transfer, assign, sublet,
enter into any license, management or concession agreements, change ownership,
pledge, mortgage or hypothecate this Lease or Tenant's interest in and to the
Premises (hereafter "Disposition") without the prior written consent of Landlord
which may be arbitrarily withheld. Any Disposition without Landlord's written
consent shall be void and confer no rights upon any third person. Without in any
way limiting Landlord's right to refuse to give such consent for any other
reason or reasons, Landlord reserves the right to refuse to give such consent if
Tenant is in default hereunder or if in Landlord's business judgment the quality
of merchandising operation on the Premises is or may be in any way adversely
affected during the ],ease Term or the financial worth of the proposed new
tenant is less than that of Tenant or of Tenant's guarantor, as the case may be.
Nothing in this paragraph shall relieve or release Tenant and any guarantor from
its covenants and obligations for the Lease Term. Tenant agrees to reimburse
Landlord for Landlord's reasonable attorneys' fees incurred in conjunction with
the processing and documentation of any requested Disposition. No interest in
this Lease shall pass to any trustee or receiver in bankruptcy, to any estate of
Tenant, to any assignee of Tenant for the benefit of creditors or to any other
party by operation of law or otherwise without Landlord's written consent. If
this Lease is assigned, or if the Premises or any part thereof is underlet or
occupied by any party other than Tenant, Landlord may collect rent from the
assignee, subtenant or occupant, and apply the net amount collected to the rent
herein reserved, but no such assignment, underletting, occupancy, occupancy or
collection shall be deemed a waiver of this covenant, or the acceptance of the
assignee, subtenant, or occupant as Tenant, or a releasal of Tenant from the
further performance by Tenant of the covenants on the part of Tenant herein
contained. This prohibition against a Disposition shall be construed to include
a prohibition against any assignment or subleasing by operation of law, legal
process, receivership, bankruptcy or otherwise, whether voluntary or involuntary
and a prohibition against any encumbrance of all and any part of Tenant's
leasehold interest in the Premises.

         14.2 Change in Ownership. Without limiting the foregoing, if Tenant is
a corporation, an unincorporated association or partnership, the transfer,
assignment or hypothecation of any stock or interest in such corporation,
association or partnership in the aggregate in excess of twenty-five percent
(25%) shall be deemed a Disposition.

                                   ARTICLE 15
                 WASTE, ENVIRONMENTAL, GOVERNMENTAL REGULATIONS

         15.1 Waste or Nuisance. Tenant shall not commit or suffer to be
committed any waste upon the Premises or the Outparcel or any nuisance or other
act or thing which may disturb the quiet enjoyment of any other tenant in the
Shopping Center. Tenant shall not use or permit to be used, any medium that
might constitute a nuisance, such as loud speakers, sound amplifiers,
phonographs, radios, televisions, or any other sound producing device which will
carry sound outside the Premises.

         15.2 Environmental Provisions. Tenant agrees to comply strictly and in
all respects with the requirements of any and all federal, state and local
statutes, rules and regulations now or hereafter

                                       17

<PAGE>

existing relating to the discharge, spillage, storage, uncontrolled loss,
seepage, filtration, disposal, removal or use of hazardous materials, including
but not limited to the Comprehensive Environmental Response, Compensation and
Liability Act of 1980, the Superfund Amendments and Reauthorization Act, the
Resource Conversation and Recovery Act, the Hazardous Materials Transportation
Act and the Florida Hazardous Substances Law (collectively the "Hazardous Waste
Law") and with all similar applicable laws and regulations. Tenant shall notify
Landlord promptly in the event of any discharge, spillage, uncontrolled loss,
seepage or filtration of oil, Petroleum, chemical liquids or solids, liquid or
gaseous products or any other hazardous materials (a "Spill") or the presence of
any substance or material presently or hereafter identified to be toxic or
hazardous according to any Hazardous Waste Law, including without limitation,
any asbestos, PCBs, radioactive substance, methane, volatile hydrocarbons,
acids, pesticides, paints, petroleum based products, lead, cyanide, DDT,
printing inks, industrial solvents or any other material or substance which has
in the past or could presently or at any time in the future, cause or constitute
a health, safety or other environmental hazard to any person or property
(collectively "Hazardous Materials") upon the Premises or the Outparcel. Tenant
shall promptly forward to Landlord copies of all orders, notices, permits,
applications or other communications and reports, notices, permits, applications
or other communications and reports in connection with any such Spill or
Hazardous Materials. Tenant shall not handle, use, generate, manufacture, store
or dispose of Hazardous Materials in, upon, under or about the Premises or the
Outparcel. Tenant shall indemnify Landlord and hold Landlord harmless from and
against all loss, penalty, liability, damage and expense suffered or incurred by
Landlord related to or arising out of the presence of Hazardous Materials on the
Premises or the Outparcel; which loss, damage, penalty, liability, damage and
expense shall include, but not be limited to (a) court costs, attorneys' and
paraprofessional fees and expenses through and including any appellate
proceedings; (b) all foreseeable and unforeseeable consequential damages,
directly or indirectly, arising out of the use, generation, storage or disposal
of Hazardous Materials by Tenant; (c) the cost of any required or necessary
repair; clean-up or detoxification of the Premises or the Outparcel; and (d) the
costs of preparation of any closure or other plans required under the Hazardous
Waste Law, necessary to sell or lease the Premises and the Outparcel.

                                   ARTICLE 16
                                   ADVERTISING

         16.1 Change of Name. Tenant agrees (a) to operate its business in the
Premises under the name of Webb Mortgage Corporation so long as the same shall
not be held to be in violation of any applicable law, and (b) not to change the
advertised name or character of the business operated in the Premises without
the prior written approval of Landlord, and (c) to refer to the Shopping Center
as North Dixie Plaza in designating the location of the Premises in all
newspaper and other advertising and in all other references to the location bf
the Premises.

                                   ARTICLE 17
                             DESTRUCTION OF PREMISES

         17.1 Reconstruction of Damaged Premises. In the event the Premises
shall be partially or totally destroyed by fire or other casualty insured under
the insurance carried by Landlord pursuant to this Lease, as to become partially
or totally untenantable, subject to the requirements of any first

                                       18

<PAGE>

mortgagee and to the terms of any first mortgage encumbering the Shopping Center
and/or the Premises, the damage to the Premises shall be promptly repaired by
Landlord, to the extent, however, of the proceeds received from such insurance,
unless Landlord shall elect not to rebuild as hereinafter provided, and a just
and proportionate part of Rent and Additional Rent shall be abated until so
repaired. The obligation of Landlord hereunder shall be limited to
reconstructing the Premises in accordance with the initial plans and
specifications for the construction of the Premises. In no event shall Landlord
be required to repair or replace Tenant's merchandise, trade fixtures,
furnishings or equipment. If more than thirty-five (35%) percent of the Premises
shall be damaged or destroyed by fire or other casualty, then Landlord may elect
either to repair or rebuild the Premises or to terminate this Lease by giving
written notice to Tenant of its election to so terminate, such notice to be
given within ninety (90) days after the occurrence of such damage or
destruction. If Landlord is required or elects to repair or rebuild the Premises
as herein provided, Tenant shall repair or replace its merchandise, trade
fixtures, furnishings and equipment in a manner and to at least a condition
equal to that prior to its damage or destruction.

                                   ARTICLE 18
                                 EMINENT DOMAIN

         18.1 Total Condemnation of Premises. If the whole of the Premises shall
be taken by any public authority under the power of eminent domain, then the
Lease Term shall cease as of the day possession shall be taken by such public
authority and the Rent shall be paid up to that day with a proportionate refund
by Landlord of such Rent as may have been paid in advance for a period
subsequent to the date of the taking.

         18.2 Partial Condemnation.

              (a) If any part of Premises shall be taken under eminent domain,
then Landlord and Tenant shall each have the right to terminate this Lease and
declare the same null and void, by written notice of such intention to the other
party within ten (10) days after such taking. In the event neither party
exercises said right of termination, the Lease Term shall cease only on the part
so taken as of the day possession shall be taken by such public authority and
Tenant shall pay rent up to that day, with appropriate refund by Landlord of
such rent as may have been paid in advance for a period subsequent to the date
of the taking, and thereafter all the terms herein provided shall continue in
effect, except that Rent shall be reduced in proportion to the amount of the
Premises taken and Landlord shall, at its own cost and expense, make all the
necessary repairs or alterations to the building that the remaining Premises
will again become a complete architectural unit.

              (b) If more than thirty (30%) percent of the common areas of the
Outparcel shall be taken under the power of eminent domain, Landlord may by
written notice to Tenant within ten (10) days after such taking, terminate this
Lease and declare the same null and void.

         18.3 Landlord's and Tenant's Damages. All damages awarded for such
taking under the power of eminent domain, whether for the whole or a part of the
Premises, shall belong to and be the property of Landlord whether such damages
shall be awarded as compensation for diminution

                                       19

<PAGE>

in value to the leasehold or to the fee of the Premises; provided, however, that
Landlord shall not be entitled to the award made for depreciation to, and cost
of removal of Tenant's stock and fixtures.

                                   ARTICLE 19
                              DEFAULT OF THE TENANT

         19.1 Events of Default. The occurrence of any one (1) or more of the
following events shall constitute an "Event of Default" and breach of this Lease
by Tenant:

              (a) If Tenant fails to pay Rent, Additional Rent or any other
additional rent or other charge required to be paid by Tenant under this Lease
and such failure continues for ten (10) days; or

              (b) If Tenant fails to promptly and fully perform any other
covenant, condition, rule, regulation or agreement contained in this Lease or
perform within the time periods set forth in this Lease and such failure
continues for fifteen (15) days; or

              (c) If a writ of attachment or execution is levied on this Lease
or on any of Tenant's property or any property of any Guarantor of this Lease
(herein "Guarantor"); or

              (d) If Tenant or any Guarantor makes a general assignment for the
benefit of creditors, or provides for an arrangement, composition, extension or
adjustment with its creditors or is generally insolvent or unable to pay its
obligations as they come due; or

              (e) If Tenant or any Guarantor files a voluntary petition for
relief or if a petition against Tenant or any Guarantor in a proceeding under
the federal bankruptcy laws or other insolvency laws is filed and not withdrawn
or dismissed within forty-five (45) days thereafter, or if under the provisions
of any law providing for reorganization or winding up of corporations, any court
of competent jurisdiction assumes jurisdiction, custody, or control of Tenant or
any Guarantor or any substantial part of their property and such jurisdiction,
custody or control remains in force unrelinguished, unstayed or unterminated for
a period of forty-five (45) days or if Tenant or any Guarantor is adjudged a
bankrupt; or

              (f) If in any proceeding or action in which Tenant or any
Guarantor is a party, a trustee, receiver, agent, or custodian is appointed to
take charge of the Premises, or Tenant's or any Guarantor's property (or has the
authority to, do so) for the purpose of enforcing a lien against the Premises or
Tenant's or any Guarantor's property; or

              (g) If Landlord discovers that any financial statement delivered
to Landlord by Tenant or any Guarantor is false; or

              (h) In the event Tenant removes, attempts to remove, or permits to
be removed from the Premises, except in the usual course of trade, the goods,
furniture, effects or other property of Tenant brought thereon; or

                                       20

<PAGE>

              (i) In the event Tenant, before the expiration of said Lease Term,
and without the written consent of Landlord, vacates the Premises or abandons
the possession thereof, or uses the same for purposes other that the purposes
for which the same are hereby leased, or ceases to use the Premises for the
purposes herein expressed; or

              (j) In the event an execution or other legal process is levied
upon the goods, furniture, effects or other property of Tenant brought on the
Premises, or upon the interest of Tenant in this Lease, and the same is not
satisfied within ten (10) days from such levy.

         19.2 Landlord's Remedies. If any Event of Default occurs, then,
Landlord shall have the following options, without further notice or demand of
any kind:

              (a) Option 1. Sue for Rents as they become due; or

              (b) Option 2. (i) terminate this Lease; (ii) resume possession of
the Premises (together with all additions, alterations, fixtures and
improvements thereto) for its own account; and (iii) recover immediately from
Tenant any and all sums and damages for violation of Tenant's obligations
hereunder in existence or due at the time of termination and damages for
Tenant's default in an amount equal to the difference between the Rent for which
provision is made in this Lease and fair rental value of the Premises for the
remainder of the Lease Term, together with all other charges, rental payments,
costs and expenses herein agreed to be paid by Tenant which include, but are not
limited to, all costs and expenses of Landlord in connection with any attempts
to re-lease or relet the Premises (including, but not limited to, broker's fees,
advertising costs and cleaning expenses), the costs of recovering the Premises,
and the costs of repairs and renovations reasonably necessary in connection with
any re-leasing or reletting; or

              (c) Option 3. Accelerate the whole or any part of Rent, Additional
Rent, Tax Installment Payment and Shared Expenses for the entire unexpired
balance of the Lease Term, as well as all other charges, payments, costs and
expenses to be paid by Tenant hereunder, including but not limited to damages
for violation of Tenant's obligations hereunder in existence at the time of
acceleration, so that all sums due and payable under this Lease will be treated
as payable in advance on the date of acceleration and this Lease will remain in
effect. For the purposes of determining the amounts due upon acceleration, the
total amount so accelerated will be reduced to present value (using an assumed
interest rate of 8%); or

              (d) Option 4. (i) resume possession; (ii) re-lease or re-rent the
Premises for the remainder of the Lease Term for the account of Tenant; (iii)
recover from Tenant at the end of the Lease Term or at the time each payment of
Rent becomes due under this Lease (adjusted to present value using an assumed
interest rate of 8%), as Landlord may elect, the difference between the rent for
which provision is made in this Lease and the rent received on the re-leasing or
re-renting, together with all costs and expenses of Landlord in connection with
such re-leasing or re-rental, the collection of rent and the cost of all repairs
or renovations reasonably necessary in connection with the re-leasing or
re-rental for the purpose of such reletting, Landlord is authorized to decorate,
to make any repairs to the Premises and/or to subdivide or restructure the
Premises as Landlord sees fit ("Tenancy Repairs and Modifications"). Further,
Landlord is authorized to enter into new leases

                                       21

<PAGE>

in which the Lease Term or other terms and conditions are different from this
Lease ("Lease Modifications"). Concerning any Tenancy Repairs and Modifications
and any Lease Modifications, Tenant agrees that such Tenancy Repairs and
Modifications and Lease Modifications are being performed for the purpose of
reletting and mitigating Tenant's damages, and, as such are done for the benefit
of the Tenant and are valid costs of reletting; and (iv) recover from Tenant
immediately any other damages occasioned by or resulting from the abandonment or
a breach or default other than a default in the payment of rent; or

              (e) Option 5. Without terminating this Lease, enter upon the
Premises, without being liable for prosecution or any claim for damages therefor
(whether caused by the negligence of Landlord or otherwise) , and do whatever
Tenant is obligated to do under the terms of this Lease, in which event Tenant
shall reimburse Landlord on demand for any expenses which Landlord may incur in
thus effecting compliance with the terms of this Lease.

              Notwithstanding the foregoing, with respect to re-leasing or
re-renting the Premises, Landlord and Tenant agree that Landlord shall only be
required to use the same efforts Landlord then uses to lease other properties
Landlord owns or manages; provided, however, that Landlord shall not be required
to give any preference or priority to the showing or leasing of the Premises
over any other space that Landlord may be leasing or have available and may
place a suitable prospective tenant in any such available space regardless of
when such alternative space becomes available; provided, further, that Landlord
shall not be required to observe any instruction given by Tenant about such
re-letting or accept any tenant unless such offered tenant has a
creditworthiness acceptable to Landlord, leases the entire Premises, agrees to
use the Premises in a manner consistent with the Lease, and leases the Premises
at the same or greater rent, for no more than the current Lease Term, on the
same terms and conditions of this Lease, and does not require an expenditure by
Landlord for tenant improvements or broker's commissions.

         19.3 Remedies Non-Cumulative. The remedies given to Landlord in this
Article shall be in addition and supplemental to all other rights of remedies
which Landlord may have under law or in equity.

         19.4 Non-Waiver. The waiver by Landlord of any breach of any term,
covenant or condition of this Lease shall not be deemed to be a waiver of any
subsequent breach of the same or any other term, covenant or condition. The
subsequent acceptance of Rent by Landlord shall not be deemed to be a waiver of
any preceding breach by Tenant of any term, covenant or condition of this Lease
other than the failure of Tenant to pay the Rent so accepted, regardless of
Landlord's knowledge of such preceding breach at the time of acceptance of such
rent. No covenants, term or condition of this Lease shall be deemed to have been
waived by Landlord unless such waiver is in writing signed by Landlord.

         19.5 Rent Payments Under Default. In the event of a default of any Rent
payment or any other payment due under this Lease, Landlord may in Landlord's
notice to Tenant of such default require Tenant's payment to cure the default be
in cash, cashier's check, and/or certified check. Landlord and Tenant agree that
should Landlord so elect to require payment by cash, cashier's check or
certified check in Landlord's notice to Tenant, a tender of money to cure the
default which is not

                                       22

<PAGE>

in the form requested by Landlord shall be deemed a failure to cure the default.
Nothing contained in this Section shall in any way diminish or be construed as
waiving any of Landlord's other remedies as provided elsewhere in this Lease, or
by law or in equity.

         19.6 Expenses of Enforcement. In the event any payment due Landlord
under this Lease shall not be paid on the due date, said payment shall bear
interest at the Applicable Rate from the due date until paid unless otherwise
specifically provided herein, but the payment of such interest shall not excuse
or cure any default by Tenant under this Lease. In the event that it shall be
necessary for Landlord to give more than one (1) written notice to Tenant of any
violation of this Lease, Landlord shall be entitled to make an administrative
charge to Tenant of Twenty-Five and No/100 Dollars ($25.00) for each such
notice. Tenant recognizes and agrees that the charge which Landlord is entitled
to make upon the conditions stated in this Section represent, at the time this
Lease is made, a fair and reasonable estimate and liquidation of the costs of
Landlord in the administration of the Premises resulting from the events
described, which costs are not contemplated or included in any other rental or
charges provided to be paid by Tenant to Landlord in this Lease. Any charges
becoming due under this paragraph of this Lease shall be added and become due
with the next ensuing monthly payment of Rent and shall be collectible as a part
thereof.

         19.7 Lien for Rent. In order to secure Tenant's payment of all rental
and other sums due hereunder, Tenant hereby grants to Landlord an express
contractual lien upon all property of Tenant now or hereafter placed in or upon
the Premises, except such part of such property as may be exchanged, replaced or
sold from time to time in the ordinary course of Tenant's operations. All such
property will be and remain subject to such lien of Landlord and, subject to
foreclosure in accordance with the applicable laws of the State of Florida. Such
express lien will be in addition to and cumulative of any Landlord's lien
provided by the laws of the State of Florida. Tenant hereby recognizes
Landlord's statutory lien rights under the laws of the State of Florida.

                                   ARTICLE 20
                             LIABILITY AND INDEMNITY

         20.1 Limitations of Landlord's Liability: Indemnity. Landlord shall not
be liable or in any way responsible to Tenant or any other person for any loss,
injury or damage suffered by Tenant or others in respect of (a) property of
Tenant or others that is stolen or damaged, (b) injury or damage to persons or
property resulting from fire, explosion, falling plaster, escaping liquid or
gas, electricity, water, rain or leaks from any part of the Premises or from any
pipes, appliances or plumbing work therein, or from dampness, (c) damage caused
by other tenants, occupants or persons in the Premises, or the public, or caused
by operations in the construction of any private or public work, (d) loss or
damage, however caused, other than loss or damage directly caused by fault of
Landlord and which is not otherwise excluded by the provisions of this Section.
Tenant shall look solely to the estate and property of Landlord in the land and
building comprising the Premises for the collection of any judgment, or in
connection with any other judicial process, requiring the payment of money by
Landlord in the event of any default or breach by Landlord with respect to any
of the terms, covenants and conditions of this Lease to be observed and
performed by Landlord and no other property or estates of Landlord shall be
subject to levy, execution or other enforcement procedures for the satisfaction
of Tenant's remedies and rights under this Lease.

                                       23

<PAGE>

                                   ARTICLE 21
                               ACCESS BY LANDLORD

         21.1 Right of Entry. Landlord or Landlord's agent shall have the right
to enter the Premises at all reasonable times upon reasonable notice to examine
the same, and to show them to prospective purchasers or mortgagees of the
building, and to make such repairs, alterations, improvements or additions as
Landlord may deem necessary or desirable, and Landlord shall be allowed to take
all material into and upon the 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 said repairs, alterations, improvements, or
additions are being made, by reason of loss or interruption of business of
Tenant, or otherwise. During the six (6) months prior to the expiration of the
Lease Term or any Renewal Term, Landlord may exhibit the Premises to prospective
tenants and place upon the Premises the usual notices "To Let" or "For Rent"
which notices Tenant shall permit to remain thereon without molestation.
Landlord shall have the right, in any event, to constantly have keys to the
Premises. Nothing herein contained, however, shall be deemed and construed to
impose upon Landlord any obligations, responsibility or liability whatsoever,
for the care, maintenance or repair of the building or any part thereof, except
as otherwise herein specifically provided.

                                   ARTICLE 22
                                TENANT'S PROPERTY

         22.1 Taxes on Tenant's Property. Tenant shall be responsible for and
shall pay before delinquency all municipal, county, state and federal taxes
assessed during the term of this Lease against any leasehold interest or
personal property of any kind, owned by or placed in, upon or about the Premises
by the Tenant.

         22.2 Loss and Damage. Landlord shall not be responsible or liable to
the Tenant for any loss or damage that may be occasioned by or through the acts
or omissions of persons occupying adjoining Premises, or any part of the
Premises adjacent to or connected with the Premises, or any part of the building
of which the Premises are a part, or for any loss or damage resulting to Tenant
or its property from bursting, stoppage or leaking of water, gas, sewer or steam
pipes, or for any damage or loss of property within the Premises from any cause
whatsoever.

         22.3 Notice by Tenant. Tenant shall give immediate notice to Landlord
in case of fire or accidents in the Premises or the Outparcel or of defects
therein or in any fixtures or equipment.

                                   ARTICLE 23
                                  HOLDING OVER

         23.1 Holding Over. Any holding over by Tenant after the expiration or
earlier termination of the Lease Term or any Renewal Term with the consent of
Landlord, shall be construed to be a tenancy from month to month at the monthly
minimum fixed rent herein specified plus one-twelfth (1/12) of the average
annual Percentage Rent, if any, payable hereunder for the three lease years
immediately preceding, or the entire portion of the Lease Term, if less than
three (3) Lease Years plus the Shared Expense Installment Payment; plus the Tax
Installment Payment and shall otherwise

                                       24

<PAGE>

be on the same terms and conditions herein specified so far as applicable. If
Tenant holds over or occupies the Premises after expiration of the Lease Term,
or the earlier termination of this Lease, without Landlord's prior written
consent, Tenant shall pay Landlord, as liquidated damages, for each day of such
holding over a sum equal to the greater of (a) two times the monthly Rent
prorated for the number of days of such holding over, or (b) a pro rata portion
of all Additional Rent which Tenant would have been required to pay hereunder
had this Lease been in effect. In the event of any unauthorized holding over,
Tenant shall also indemnify Landlord against all claims for damages by any other
tenant to whom Landlord may have leased all or any part of the Premises
effective after the termination of this Lease. No payments of money by Tenant
after expiration of the Lease Term or the earlier termination of this Lease will
reinstate, continue or extend the Lease Term; reduce the liability of Tenant to
Landlord for damages; or affect any termination notice given by Landlord to
Tenant. No extension of the Lease Term will be valid unless and until the same
will be reduced to writing and signed by both Landlord and Tenant.

         23.2 Successors. All rights and liabilities herein given to, or imposed
upon, the respective parties hereto shall extend to and bind the several
respective heirs, legal representatives, executors, administrators, successors,
and assigns of the said parties. If two or more individuals, corporations,
partnerships or other business associations or any combination thereof shall
sign this Lease as Tenant or as Guarantors, the liability of each such
individual, corporation, partnership or other business association to pay rent
and perform all other obligations under this Lease shall be deemed to be joint
and several, and all notices, payments, and agreements given or made by, with or
to any one of such individuals, corporations, partnerships or other business
associations shall be deemed to have been given or made by, with or to all of
them. If Tenant is a partnership or other business association the members of
which are by virtue of statute of federal law subject to personal liability, the
liability of each such member shall be joint and several.

                                   ARTICLE 24
                              RULES AND REGULATIONS

         24.1 Rules And Regulations. Tenant agrees to comply with and observe
all rules and regulations established by Landlord from time to time, provided
the same shall apply uniformly to all tenants of the Shopping Center and do not
discriminate specifically against Tenant's use. Tenant's failure to keep and
observe said rules and regulations shall constitute a breach of the terms of
this Lease in the manner as if the same were contained herein as covenants. The
rules and regulations in effect on the date hereof are attached hereto as
Exhibit F and made a part hereof.

                                   ARTICLE 25
                                 QUIET ENJOYMENT

         25.1 Landlord's Covenant. Upon payment by Tenant of the rents herein
provided, and upon the observance and performance of all the covenants, terms
and conditions on Tenant's part to be observed and performed, Tenant shall
peaceably and quietly hold and enjoy the Premises for the Lease Term without
hindrance or interruption by Landlord or any other person or persons lawfully or
equitably claiming by, through or under Landlord, subject, nevertheless, to the
terms and conditions of this Lease, and any mortgages to which this Lease is
subordinate.

                                       25

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                                   ARTICLE 26
                                  MISCELLANEOUS

         26.1 Entire Agreement. This Lease and the Exhibits, and Rider, if any,
attached hereto and forming a part hereof, set forth all the covenants,
promises, agreements, conditions and understandings between Landlord and Tenant
concerning the Premises and there are no covenants, promises, agreements,
conditions or understandings, either oral or written, between them other than
are herein set forth. This Lease supersedes all prior agreements, written or
verbal, with respect to the Premises, including without limitation, any letter
of intent. No alteration, amendment, change or addition to this Lease shall be
binding upon Landlord or Tenant unless reduced to writing and signed by each
party.

         26.2 Interpretation and Use of Pronouns. Nothing contained herein shall
be deemed or construed by the parties hereto, nor by any third party, as
creating the relationship of principal and agent or of partnership or of joint
venture between the parties hereto, it being understood and agreed that neither
the method of computation of rent, nor any other provision contained herein, nor
any acts of the parties herein, shall be deemed to create any relationship
between the parties hereto other than the relationship of Landlord and tenant.
Whenever herein the singular number is used, the same shall include the plural,
and the masculine gender shall include the feminine and neuter genders.

         26.3 Delays. In the event that either party hereto shall be delayed or
hindered in or prevented from the performance of any act required hereunder by
reason of strikes, lockouts, labor troubles, inability to procure materials,
failure of power, restrictive governmental laws or regulations, riots,
insurrection, war or other reason of a like nature not the fault of the party
delayed in performing work or doing acts required under the terms of this Lease,
then performance of such act shall be excused for the period of the delay and
the period for the performance of any such act shall be extended for a period
equivalent to the period of such delay. The party entitled to such extension
hereunder shall give written notice as soon as possible to the other party
hereto of its claim of right to such extension and the reason(s) therefor. The
provisions of this Section shall not operate to excuse Tenant from prompt
payment of Rent, Percentage Rent or Additional Rent required by the terms of
this Lease.

         26.4 Notices. Any notice, demand, request, or other instrument which
may be or is required to be given under this Lease shall be sent by United
States registered or certified mail, return receipt requested, postage prepaid,
hand delivery or by national overnight courier and shall be addressed (a) if to
Landlord, at the address first hereinabove given or at such other address as
Landlord may designate by written notice, and (b) if to Tenant, at the Premises
or at such other address as Tenant shall designate by written notice. Notice
given as described above shall be sufficient service and shall be deemed given
as of the date received as evidenced by the return receipt of the registered or
certified mail or the refusal of acceptance of such notice or after one (1)
business day if by hand delivery or overnight courier service.

         26.5 Captions and Section Numbers. The captions, section numbers, and
article numbers appearing in this Lease are inserted only as a matter of
convenience and in no way define, limit,

                                       26

<PAGE>

construe, or describe the scope or intent of such sections or articles of this
Lease nor in any way affect this Lease.

         26.6 Broker's Commission. Tenant represents and warrants unto the
Landlord that, except for the claim of MCAVA Real Estate, Inc., there are no
claims for brokerage commissions or finder's fees in connection with this Lease,
and Tenant agrees to indemnify Landlord and hold it harmless from all
liabilities arising from any such claim arising from an alleged agreement or act
by the indemnifying party (including, without limitation, the cost of counsel
fees in connection therewith); such agreement to survive the termination of this
Lease.

         26.7 Recording. Tenant shall not record this Lease or any memorandum or
short form thereof and any such recordation shall constitute a default
hereunder.

         26.8 Furnishing of Financial Statement. Tenant and any Guarantor shall
deliver to Landlord their most recent financial statements or any other
financial information requested by Landlord, including, without limitation,
statements of income and expense and statements of net worth and their sales tax
reports for the period covered by the financial statement, within fifteen (15)
days following Landlord's request. All such information that Landlord may
request shall be certified as being true and correct.

         26.9 Landlord's Use of Common Areas. Landlord reserves the right to
utilize portions of the common areas for carnival type shows, rides and
entertainment, outdoor shows, displays, automobile and other product shows, the
leasing of kiosks, or such other uses which in Landlord's judgment tend to
attract the public. Further, Landlord reserves the right to utilize the lighting
standards and other areas in the parking lot for advertising purposes.

         26.10 Transfer of Landlord's Interest. In the event of any transfer or
transfers of Landlord's interest in the Premises including a so-called
sale-leaseback, the transferor shall be automatically relieved of any and all
obligations on the part of Landlord accruing from and after the date of such
transfer, provided that (a) the interest of the transferor, as Landlord, in any
funds then in the hands of Landlord in which Tenant has an interest shall be
turned over, subject to such interest, to the then transferee; and (b) notice of
such sale, transfer or Lease shall be delivered to Tenant as required by law.
Upon the termination of any such lease by a sale-leaseback transaction prior to
termination of this Lease, the former lessee thereunder shall become and remain
liable as Landlord hereunder until a further transfer. No holder of a mortgage
to which this Lease is or may be subordinate shall be responsible in connection
with the security deposited hereunder, unless such mortgagee or holder of such
deed of trust or lessor shall have actually received the security deposited
hereunder.

         26.11 Floor Area. "Floor Area" as used in this Lease means, with
respect to the Premises and with respect to each store area separately leased,
the number of square feet of floor space on all floor levels in the Premises,
including any mezzanine space, measured from the exterior faces of exterior
walls, store fronts, corridors and service areas, and the center line of party
walls. For the purpose of this Lease, in determining the gross leasable floor
area or the gross leased and occupied floor area of the Shopping Center, there
shall be excluded therefrom the floor area of any Premises leased for the
operation of a United States Government Post Office facility or other
Governmental

                                       27

<PAGE>

facility. No deduction or exclusion from floor area shall be made by reason of
columns, stairs, shafts, or other interior construction or equipment.

         26.12 Liability of Landlord. If Landlord shall fail to perform any
covenant, term or condition of this Lease upon Landlord's part to be performed,
and if as a consequence of such default Tenant shall recover a money judgment
against Landlord, such judgment shall be satisfied only out of the proceeds of
sale received upon execution of such judgment and levied thereon against the
right, title and interest of Landlord in the Premises and out of rents or other
income from such property receivable by Landlord, or out of the consideration
received by Landlord from the sale or other disposition of all or any part of
Landlord's right, title and interest in the Premises, and Landlord shall not be
liable for any deficiency.

         26.13 Accord and Satisfaction. Landlord is entitled to accept, receive
and cash or deposit any payment made by Tenant for any reason or purpose or in
any amount whatsoever and apply such payment at Landlord's option to any
obligation of Tenant, any such payment shall not constitute payment of any
amount owed except that to which Landlord has applied it. No endorsement or
statement on any check or letter of Tenant shall be deemed an accord and
satisfaction or otherwise recognized for any purpose whatsoever. The acceptance
of any such check or payment shall be without prejudice to Landlord's right to
recover any and all amounts owed by Tenant and Landlord's right to pursue any
other available remedy.

         26.14 Execution of Lease. The submission of this Lease for examination
does not Constitute a reservation of or option for the Premises, and this Lease
shall become effective as a lease only upon execution and delivery thereof by
Landlord and Tenant.

         26.15 Laws of the State at Florida. This Lease shall be governed by,
and construed in accordance with, the laws of the State of Florida. The venue
for any action shall be Palm Beach County, State of Florida. If any provision of
this Lease or the application thereof to any person or circumstances shall, to
any extent, be invalid or unenforceable, the remainder of this Lease shall not
be affected thereby and each provision of the Lease shall be valid and
enforceable to the fullest. extent permitted by law.

         26.16 Mortgage Protection. Tenant agrees to give any mortgagee(s), by
certified mail, return receipt requested, a copy of any notice of default served
upon Landlord, provided that prior to such notice Tenant has been notified, in
writing (by way of Notice of Assignment of Rents and Leases, or otherwise) , of
the address of such mortgagee(s). Tenant further agrees that if Landlord shall
have failed to cure such default within the time provided for in this Lease,
then the mortgagee(s) shall have an additional thirty (30) days within which to
cure such default or if such default cannot be cured within that time, then such
additional time as may be necessary if within such thirty (30) days, any
mortgagee has commenced and is diligently pursuing the remedies necessary to
cure such default (including, but not limited to commencement of foreclosure
proceedings, if necessary to effect such cure), in which event this Lease shall
not be terminated while such remedies are being so diligently pursued.

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<PAGE>

         26.17 Radon Gas. Pursuant to F.S. 404.056(8), Tenant is hereby notified
that 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 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.

         26.18 Riders. Any Rider(s) attached to this Lease are hereby made a
part hereof.

         26.19 Condition of Premises at Delivery. Tenant is liable for all
improvements and alterations and it is expressly agreed the Premises is being
leased "as is" "where is" with no representations or warranties of any kind or
nature by Landlord.

         26.20 Exclusive Use. Tenant shall have the exclusive right, with
respect to the Shopping Center to operate as a primary business a copy center.
This "Tenant Exclusivity Right" shall be and is subordinate to rights of tenants
under leases existing prior to date of execution of this Lease. Tenant's
Exclusivity Right shall be valid so long as Tenant is not in default under this
Lease Agreement for more than thirty (30) days. If Tenant is in default and does
not cure such default within thirty (30) days after receipt of notice (of
default) from Landlord, Tenant's Exclusivity Right shall thereupon be
immediately and forever terminated.

         26.21 Confidentiality. TENANT AGREES THAT THE TERMS OF THIS LEASE SHALL
BE REGARDED AS CONFIDENTIAL AND SHALL NOT BE DIVULGED OR PUBLISHED BY TENANT IN
ANY MANNER WITHOUT FIRST OBTAINING WRITTEN PERMISSION FROM LANDLORD WHICH
PERMISSION MAY BE GIVEN OR REFUSED IN LANDLORD'S SOLE JUDGMENT. IN THE EVENT
TENANT VIOLATES THIS CLAUSE, SUCH VIOLATION SHALL CONSTITUTE A BREACH OF THIS
LEASE BY TENANT AND LANDLORD SHALL BE ENTITLED TO EXERCISE ANY AND ALL REMEDIES
PERMITTED BY LAW OR UNDER THIS LEASE, INCLUDING BUT NOT LIMITED TO, TERMINATION
OF THIS LEASE.

         26.22 Acknowledgment. TENANT ACKNOWLEDGES THAT IT WAS REPRESENTED, OR
HAD THE OPPORTUNITY TO BE REPRESENTED, IN CONNECTION WITH THIS LEASE (INCLUDING
SECTION 26.27) BY INDEPENDENT LEGAL COUNSEL OF TENANT'S CHOICE.

         26.23 Time of Essence. Time is of the essence with respect to the
performance of every provision of this Lease in which time of performance is a
factor.

         26.24 Attorneys' Fees. In the event that it shall become necessary for
Landlord to collect any sums due to it under this Lease or to employ the
services of an attorney to enforce any of its rights under this Lease or to
remedy the breach of any covenant of this Lease on the part of Tenant to be kept
or performed, regardless of whether suit be brought, Tenant shall pay to
Landlord such reasonable fees and expenses as shall be charged by Landlord's
attorney or collection agency for such services, and any and all other costs
incurred by Landlord in connection with the foregoing. Should suit be brought
for the recovery of possession of the Premises, or for rent or any other sum due
Landlord under this Lease, or because of the breach of any of Tenant's covenants
under this Lease,

                                       29

<PAGE>

Tenant shall pay to Landlord all expenses of such suit and any appeal thereof,
including any reasonable attorneys' and paraprofessional fees and costs, through
and including all trial and appellate levels and postjudgment proceedings
including any bankruptcy proceeding. Notwithstanding the foregoing to the
contrary, in the event of litigation between the Landlord and Tenant relative to
rights, obligations and duties of either party under this Lease, reasonable
attorney fees and costs shall be paid by the non-prevailing party.

         26.25 Corporate Tenant. If Tenant is a corporation, the parties
executing this Lease or any other documents related to this Lease on behalf of
Tenant hereby covenant and warrant that Tenant is a duly qualified corporation
in good standing and all steps have been taken prior to execution to qualify
Tenant to do business in Florida; that the undersigned are authorized to execute
this Lease on Tenant's behalf, as evidenced by Exhibit G, attached hereto and
made a part hereof; all franchise and corporate taxes have been paid to date;
and all future forms, reports, fees and other documents necessary to comply with
applicable laws will be filed when due.

         26.26 First Right of Refusal. Landlord hereby grants to Tenant a right
of first refusal ("Right") to purchase the Premises. In the event Landlord
receives a bona fide offer to purchase the Premises ("Offer") and Landlord
desires to accept such Offer, then Landlord shall notify Tenant of Landlord's
intention to accept the Offer together with a copy of the instrument
constituting the Offer. Within ten (10) days from the giving of the Notice,
Tenant shall notify Landlord in writing of its intention to exercise or not to
exercise the Right. In the event Tenant notifies Landlord, in writing, within
such ten (10) day period of its election to exercise the Right, then the
purchase of the Premises shall take place upon the same terms and conditions as
are contained in the Offer. Notwithstanding the foregoing, Tenant shall not have
the Right of first refusal in the event that (i) an Event of Default has
occurred under the Lease; (ii) the Offer also includes the purchase of all or
part of the Shopping Center; or (iii) the Offer is by an entity related to
Landlord or to any officer, director or shareholder of Landlord.

              The exercise of the Right shall be accompanied by a cashier's
check drawn upon a financial institution approved by Landlord in an amount equal
to Twenty-Five Thousand Dollars and No/100 Dollars ($25,000.00) as a
non-refundable deposit to be applied to the purchase price at the time of
closing. The failure of Tenant to exercise its rights hereunder with respect to
the Offer shall constitute a waiver by Tenant of its right of first refusal and
Tenant's Right shall terminate and thereafter be of no further force and effect
(even if the transaction pursuant to the Offer fails to close for any reason
whatsoever and, accordingly, there are subsequent offers on the Premises in the
future). The sale of the Premises shall include the entire legal description of
outparcel as described in Exhibit A of the Lease.

         26.27 Waiver of Trial by Jury. EXCEPT AS PROHIBITED BY LAW, LANDLORD
AND TENANT HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT TO A
TRIAL BY JURY IN RESPECT OF ANY LITIGATION BASED HEREON, OR ARISING OUT OF,
UNDER OR IN CONNECTION WITH THIS LEASE, OR ANY COURSE OF CONDUCT, COURSE OF
DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTION OF LANDLORD, TENANT OR
ANY GUARANTOR; THIS WAIVER BEING A MATERIAL INDUCEMENT FOR LANDLORD TO ENTER
INTO THE LEASE. IF THE

                                       30

<PAGE>

SUBJECT MATTER OF ANY LITIGATION IS ONE IN WHICH THE WAIVER OF JURY TRIAL IS
PROHIBITED, NEITHER LANDLORD NOR TENANT SHALL PRESENT AS A NON-COMPULSORY
COUNTERCLAIM IN SUCH LITIGATION ANY CLAIM ARISING OUT OF THIS LEASE.
FURTHERMORE, NEITHER LANDLORD NOR TENANT SHALL SEEK TO CONSOLIDATE ANY ACTION IN
WHICH A JURY TRIAL HAS BEEN WAIVED WITH ANY LITIGATION IN WHICH A JURY TRIAL
CANNOT BE WAIVED.

         IN WITNESS WHEREOF, Landlord and Tenant have signed and sealed this
Lease as of the day and year first above written.

WITNESSES:                                LANDLORD:

A. J. Marvero                             EAST BOCA PLAZA ASSOCIATES, LTD.
------------------------------------

Print name:  A. J. Marvero
           -------------------------
                                          By: /s/ Jonathan Silverman
------------------------------------          ---------------------------------
                                             Jonathan Silverman, General Partner
Print name:
           -------------------------
                                          TENANT:

/s/ Terrence Lewis                        WEBB MORTGAGE CORPORATION
------------------------------------

Print name:  Terrence Lewis
           -------------------------

                                          By: /s/ Byron Webb
-------------------------------------        ---------------------------------
                                             Byron Webb, President
Print name:
           -------------------------

                                       31

<PAGE>

                              SCHEDULE OF EXHIBITS

         EXHIBIT A         OUTPARCEL LEGAL DESCRIPTION
         EXHIBIT B         SURVEY OF OUTPARCEL
         EXHIBIT C         REQUIRED INSTALLMENT PAYMENTS
         EXHIBIT D         USE RESTRICTIONS
         EXHIBIT E         SIGN CRITERIA
         EXHIBIT F         RULES AND REGULATIONS
         EXHIBIT G         CORPORATE RESOLUTION
         EXHIBIT H         GUARANTY

                                       32EXHIBIT 10.2

                           COMMERCIAL LEASE AGREEMENT

THIS LEASE, made this 24th day of January, 2001, by and between OXENDINE FAMILY
LIMITED PARTNERSHIP ("Landlord") whose address is; 1812 Woodberry Road,
Charlotte, NC 28212 and WEBB MORTGAGE ("Tenant") whose address is; 9930 Monroe
Road, Suite 102, Matthews, NC 28105.

                                   WITNESSETH:

PREMISES
1. Landlord, for and in consideration of the rents, covenants, agreements, and
stipulations hereinafter mentioned provided for an covenanted to be paid, kept
and performed by Tenant, leases and rents unto Tenant, and Tenant hereby leases
and takes upon the terms and conditions which hereinafter appear, the following
described property (hereinafter called the "Premises"), to wit:

Address: 9930 Monroe Road, Suite 102, Matthews, NC 28105 Legal Description:
Suite 102, Containing approximately 807 SF in Building 3 (Single Story) at
Sardis Office Park

|X| See attached Exhibit _A__ for SITE PLAN.

TERM
2. The Tenant shall have and hold the Premises for a term of Three (3)
years__________________________ beginning on the ____1st__ day of ____June,
2001_______, and ending on the _____31st____ day of _______May, 2004__, at
midnight, unless sooner terminated as hereinafter provided. The first Lease Year
anniversary shall be the date twelve (12) calendar months after the first day of
the first ful month of the term hereof and successive Lease Year Anniversaries
shall be the date twelve (12) calendar months from the previous Lease Year
Anniversary.

RENTAL
3. Tenant agrees to pay Landlord or its Agent without demand, deduction or set
off, an annual rental of $_11,298.00_ payable in equal monthly installments of
$_941.50__ in advance of the first day of each calendar month during the term
hereof. Upon execution of this Lease, Tenant shall pay to Landlord the first
month's rent due hereunder. Rental for any period during the term hereof which
is less than one month shall be the pro-rated portion of the monthly rental due.
On each Lease Year Anniversary the annual rental payable hereunder (and
accordingly the monthly installments) shall be adjusted:
|_| by any change in the Consumer Price Index, Urban Wage Earners and Clerical
Workers. All Cities (CPI-W, 1982- 1984=100) ("Index") by multiplying the then
effective annual rental by the value of said index for the month two months
prior to the Lease Year Anniversary and dividing the product by the value of
said Index for the month two months prior to the previous Lease Year Anniversary
(in instance of the first Lease Anniversary the value of the Index for the month
two months prior to the first full month of the term hereof). In the event the
Index ceases to be published, there shall be substituted for the Index the
measure published by the US Department of Labor which most nearly approximates
the Index;

|X| as follows:

                             INCREASE 4% PER ANNUM
                             ---------------------

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<PAGE>

|_| If this box is checked, Tenant shall pay al rental to Landlord's Agent at
the following address:

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LATE CHARGES
4. If Landlord fails to receive any rent payment within __5__ days after it
becomes due, Tenant shall pay Landlord, as additional rental, a late charge
equal to ____Five___________ percent ( 5%) of the overdue amount or
$__100.00________ whichever is greater, plus any actual bank fees incurred for
returned or dishonored checks. The parties agree that such a late charge
represents a fair and reasonable estimate of the cost Landlord will incur by
reason of such late payment.

SECURITY DEPOSIT
5. Tenant shall deposit with Landlord or its Agent upon execution of this Lease
$__941.50______ as security deposit which shall be held as security for the full
and faithful performance by Tenant of each and every term, covenant and
condition of this Lease. If any of the rents or other charges or sums payable by
Tenant shall be over-due and unpaid or should payments be made on behalf of
Tenant, or should Tenant fail to perform any of the terms of this Lease, then
Landlord or its Gent may, at its option, appropriate and apply the security
deposit, or so much thereof as may be necessary, to compensate toward the
payment of the rents, charges or other sums due from Tenant, or towards any
loss, damage or expense sustained by Landlord resulting from such default on the
part of the Tenant; and in such event Tenant shall upon demand restore the
security deposit to the original sum deposited. In the event Tenant furnished
Landlord with proof that all utility bills have been paid through the date of
Lease termination, and performs all of Tenant's other obligations under this
Lease, the security deposit shall be returned in full to Tenant within thirty
(30) days after the date of the expiration or sooner termination of the term of
this Lease and the surrender of the Premises by Tenant in compliance with the
provisions of this Lease. THE SECURITY DEPOSIT MAY BE PLACED IN AN INTEREST
BEARING ACCOUNT AND ANY INTEREST THEREON SHALL BE THE PROPERTY OF THE PARTY
HOLDING THE SAME.

|_| If this box is checked, Agent shall hold the Security Deposit and shall be
entitled to the interest thereon.

UTILITY BILLS
6.       (a) Tenant shall pay the following utilities: Electricity, Gas
(if applicable), Telephone and Janitorial Service.

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         (b) Landlord shall pay the following utilities: Water, Sewer, Common
Area Utilities.

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Responsibility to pay for a utility service shall include all metering, hook-up
fees or other miscellaneous charges associated with the installation and
maintenance of such utility in said party's name.

COMMON AREA COTS: RULES AND REGULATIONS
7. The Rules and Regulations, if any, attached hereto are made a part of this
Lease. Tenant agrees to perform and abide by these Rules and Regulations, if
any, and such other Rules and Regulations, if any, as may be made from time to
time by Landlord.

USE OF PREMISES
8. The Premises shall be used for General Office

--------------------------------------------------------------------------------
purposes only and no other. The Premises shall not be used for any illegal
purposes, nor in any manner to create any nuisance or trespass, nor in any
manner to vitiate the insurance or increase the rate of insurance on the
Premises. In the

<PAGE>

event Tenant's use of the Premises results in an increase in the rate of
insurance on the Premises, Tenant shall pay to Landlord, upon demand and as
additional rental, the amount of any such increase.

<PAGE>

TAX AND INSURANCE ESCALATION

9. Tenant shall be solely responsible for insuring Tenant's personal and
business property and for paying any taxes or governmental assessments levied
thereon.

INDEMNITY; INSURANCE
10. Tenant agrees to and hereby does indemnify and save Landlord harmless
against all claims for damages to persons or property by reason of Tenant's use
or occupancy of the Premises, and all expenses incurred by Landlord because
thereof, including attorney's fees and court costs. Supplementing the foregoing
and in addition thereto, Tenant shall during the term of this Lease and any
extension or renewal thereof, and at Tenant's expense, maintain in full force
and effect comprehensive general liability insurance with limits of $ 500,000
per person and $ 1,000,000 per accident, and property damage limits of $ 500,000
, which insurance shall contain a special endorsement recognizing and insuring
any liability accruing to Tenant under the first sentence of this paragraph and
naming Landlord as additional insured. Tenant shall provide evidence of such
insurance to Landlord prior to the commencement of the term of this Lease.
Landlord and Tenant each hereby release and relieve the other, and waive any
right of recovery, for loss or damage arising out of or incident to the perils
insured against which perils occur in, on or about the Premises, whether due to
the negligence of Landlord or Tenant or their agents, employees, contractors
and/or invites, tot he extent that such loss or damage is within the policy
limits of aid comprehensive general liability insurance. Landlord and Tenant
shall, upon obtaining the policies of insurance required, give notice to the
insurance carrier or carriers that the foregoing mutual waiver of subrogation is
contained in this Lease.

REPAIRS BY LANDLORD
11. Landlord agrees to keep in good repair the roof, foundation and exterior
walls of the Premises (exclusive of all glass and exclusive of all exterior
doors) and underground utility and sewer pipes outside the exterior walls of the
building, except repairs rendered necessary by the negligence or intentional
wrongful acts of Tenant, its agents,

<PAGE>

employees and invites. If the Premises are part of a larger building or group of
buildings, then to the extent that the grounds are common areas, Landlord shall
maintain the grounds surrounding the building, including paving, the mowing of
grass, care of shrubs and general landscaping. Tenant shall promptly report in
writing to Landlord any defective condition known to it which Landlord is
required to repair and failure to report such conditions shall make Tenant
responsible to Landlord for any liability incurred by Landlord by reason of such
conditions.

REPAIRS BY TENANT
12. Tenant accepts the Premises in their present condition and as suited for the
uses intended by Tenant. Tenant shall throughout the initial term of this Lease,
and any extension or renewal thereof, at its expense, maintain in good order and
repair the Premises, including the building, heating and air conditioning
equipment (including but not limited to replacement of parts, compressors, air
handling units and heating units) and other improvements located thereon, except
those repairs expressly required to be made by Landlord hereunder. Unless the
grounds are common areas of a building(s) larger than the Premises, Tenant
further agrees to care for the grounds around the building, including paving, he
mowing of grass care of shrubs and general landscaping. Tenant agrees to return
the Premises to Landlord at the expiration or prior termination of this Lease,
in as good condition and repair as when first received, natural wear and ear
damage by storm, fire, lightening, earthquake or other casualty alone excepted.
Tenant, Tenant's employees, agents, contractors or subcontractors shall take no
action which may void any manufacturers or installers warranty with relation to
the Premises. Tenant shall indemnity and hold Landlord harmless from any
liability claim, demand or cause of action arising on account of Tenants breach
of the provisions of this paragraph.

ALTERATIONS
13. Tenant shall not make any alterations, additions or improvements to the
Premises without Landlord's prior written consent. Tenant shall promptly remove
any alterations, additions, or improvements constructed in violation of this
Paragraph upon Landlord's written request. All approved alterations, additions,
and improvements will be accomplished in a good and workmanlike manner, in
conformity with al applicable laws and regulations, and by a contractor approved
by Landlord, free of any liens or encumbrances. Landlord may require Tenant to
remove any alterations, additions or improvements (whether or not made with
Landlord's consent) at the termination of the Lease and to restore the Premises
to its prior condition, all at Tenant's expense. All alterations, additions and
improvements which Landlord has not required Tenant to remove shall become
Landlord's property and shall be surrendered to Landlord upon the termination of
this Lease, except that Tenant may remove any of Tenant's machinery or equipment
which can be removed without material damage to the Premises. Tenant shall
repair, at Tenant's expense, any damage to the Premises caused by the removal of
any such machinery or equipment.

REMOVAL OF FIXTURES
14. Tenant may (if not in default hereunder) prior to the expiration of this
Lease, or any extension or renewal thereof, remove all fixtures and equipment
which it has placed in the Premises, provided Tenant repairs all damage to the
Premises caused by such removal.

DESTRUCTION OF OR DAMAGE TO PREMISES
15. If the premises are totally destroyed by storm, fire, lighting, earthquake
or other casualty, this lease shall terminate as of the date of such destruction
and rental shall be accounted for as between Landlord and Tenant as of that
date. If the premises are damaged but not wholly destroyed by any such
casualties, rental shall abate in such proportion as effective us of the
Premises has ben affected and Landlord shall restore Premise to substantially
the same condition as before damage as speedily as is practicable, whereupon
full rental shall recommence.

GOVERNMENTAL ORDERS
16. Tenant agrees, at its own expense to comply promptly with all requirements
of any legally constituted public authority made necessary by reason of Tenant's
occupancy of the Premises. Landlord agrees to comply promptly with any such
requirements if not made necessary by reason of Tenant's occupancy. It is
mutually agreed, however, between Landlord and Tenant, that if in order to
comply with such requirements, the cost to Landlord or Tenant, as the case may
be, shall exceed a sum equal to one year's rent, then Landlord or Tenant,
whichever is obligated to comply with such requirements, may terminate this
Lease by giving written notice of termination to the other party by registered
mail, which termination shall become effective sixty (60) days after receipt of
such notice and which notice shall

<PAGE>

eliminate the necessity of compliance with such requirements by giving such
notice unless the party giving such notice of

<PAGE>

termination shall, before termination becomes effective, pay to the party giving
notice all cost of compliance in excess of one year's rent, or secure payment of
said sum in manner satisfactory to the party giving notice.

CONDEMNATION
17. If the whole of the Premises, or such portion thereof as will make the
Premises unusable for the purposes herein leased, is condemned by any legally
constituted authority for any public use or purpose, then in either of said
events the term hereby granted shall cease from the date when possession thereof
is taken by public authorities, and rental shall be accounted for as between
Landlord and Tenant as of said date. Such termination, however, shall be without
prejudice to the rights of either Landlord or Tenant to recover compensation and
damage caused by condemnation from the condemner. It is further understood and
agreed that Tenant shall not have any right in any award made to Landlord by any
condemnation authority.

ASSIGNMENT AND SUBLETTING
18. Tenant shall not, without the prior written consent of Landlord, which shall
not be unreasonably withheld, assign this Lease or any interest hereunder, or
sublet the Premises or any part thereof, or permit the use of the Premises by
any party other than the Tenant. Consent to any assignment or sublease shall not
impair this provision and all later assignments or subleases shall be made
likewise only on the prior written consent of Landlord. The Assignee of Tenant,
at option of Landlord, shall become directly liable to Landlord for all
obligations of Tenant hereunder, but no sublease or assignment by Tenant shall
relieve Tenant of any liability hereunder.

EVENTS OF DEFAULT
19. The happening of any one or more of the following events (hereinafter any
one of which may be referred to as an "Event of Default") during the term of
this Lease, or any renewal or extension thereof, shall continue a breach of this
Lease on the part of the Tenant: (a) Tenant fails to pay the rental as provided
for herein; (b) Tenant abandons or vacates the Premises; (c) Tenant fails to
comply with or abide by and perform any other obligation imposed upon Tenant
under this Lease; (d) Tenant is adjudicated bankrupt; (e) A permanent receiver
is appointed for Tenant's property and such receiver is not removed within sixty
(60) days after written notice from Landlord to Tenant to obtain such removal;
(f) Tenant, either voluntarily or involuntarily, takes advantage of any debt or
relief proceedings under any present or future law, whereby the rent or any part
thereof is, or is proposed to be reduced or payment thereof deferred; (g) Tenant
makes an assignment for benefit of creditors; or (h) Tenant's effects are levied
upon or attached under process against Tenant, which is not satisfied or
dissolved within thirty (30) days after written notice from Landlord to Tenant
to obtain satisfaction thereof.

REMEDIES UPON DEFAULT
20. Upon the occurrence of Event of Default, Landlord may pursue any ne or more
of the following remedies separately or concurrently, without prejudice to any
other remedy herein provided or provided by law; (a) if the Event of Default
involves nonpayment of rental and Tenant fails to cure such default within five
(5) days after receipt of written notice thereof from Landlord, or if the Event
of Default involves a default in performing any of the terms or provisions of
this Lease other than the payment of rental and Tenant fails to cure such
default within fifteen (15) days after receipt of written notice of default from
Landlord, Landlord may terminate this Lease by giving written notice to Tenant
and upon such termination shall be entitled to recover from Tenant damages as
may be permitted under applicable law; or (b) if the Event of Default involves
any matter other than those set forth in items (a) of this paragraph, Landlord
may terminate this Lease by giving written notice to Tenant and, upon such
termination, shall be entitled to recover from the Tenant damages in an amount
equal to all rental which is due and all rental which would otherwise have
become due throughout the remaining term of this Lease, or any renewal or
extension thereof (as if this Lease had not been terminated); or (c) upon any
Event of Default, Landlord, as Tenant's agent without terminating this Lease,
may enter upon and rent the Premises, in whole or in part at the best price
obtainable by reasonable effort, without advertisement and by private
negotiations and for any term Landlord deems proper, with Tenant being liable to
Landlord for the deficiency, if any, between Tenant's rent hereunder and the
price obtained by Landlord on reletting, provided however, that Landlord shall
not be considered to be under any duty by reason of this provision to take any
action to mitigate damages by reason of Tenant's default. In he event Landlord
hires an attorney to enforce its rights upon default, Tenant shall in addition
be liable for reasonable attorney's fees and all costs of collection.

<PAGE>

EXTERIOR SIGNS
21. Tenant shall place no signs upon he outside walls or roof of the Premises,
except with the express written consent of the Landlord. Any and all signs
placed on the Premises by Tenant shall be maintained in compliance with
governmental rules and regulations governing such signed and Tenant shall be
responsible to Landlord for any damage caused by installation, use or
maintenance of said signs, and all damage incident to removal thereof.

LANDLORD'S ENTRY OF PREMISES
22. Landlord may advertise the Premises "For Rent" or "For Sale" 90 days before
the termination of this Lease. Landlord may enter the Premises at reasonable
hours to exhibit same to prospective purchasers or tenants and to make repairs
required of Landlord under the terms hereof or to make repairs to Landlord's
adjoining property, if any.

EFFECT OF TERMINATION OF LEASE
23. No termination of this Lease prior to the normal ending thereof, by lapse of
time or otherwise, shall affect Landlord's right to collect rent for the period
prior to termination thereof.

MORTGAGEE'S RIGHTS
24. Tenant's rights shall be subject to any bona fide mortgage, deed of trust or
other security interest which is now or may hereafter be placed upon the
Premises by Landlord. Tenant shall if requested by Landlord, execute a separate
agreement reflecting such subordination, and shall be obligated to execute such
documentation as may facilitate Landlord's sale or refinancing of the Premises,
including, but not limited to estoppel certificates, subordination or attornment
agreements.

QUIET ENJOYMENT
25. So long as Tenant observes and performs the covenants and agreements
contained herein it shall at all times during the Lease term peacefully and
quietly have and enjoy possession of the Premises, but always subject to the
terms hereof. Provided, however, that in the event Landlord shall sell or
otherwise transfer its interest in the Premises, Tenant agrees to attorn to any
new owner or interest holder and shall if requested by Landlord, execute a
separate agreement reflecting such attornment, provided that said agreement
requires the new owner or interest holder to recognize its obligations and
Tenant's rights hereunder.

HOLDING OVER
26. If Tenant remains in possession of the Premises after expiration of the term
hereof, with Landlord's acquiescence and without any express agreement of the
parties, Tenant shall be a tenant at will at the rental rate which is in effect
at end of this Lease and there shall be no renewal of this Lease by operation of
law. If Tenant remains in possession of the Premises after expiration of the
term hereof without Landlord's acquiescence, Tenant shall be a tenant at
sufferance and commencing on the date following the date of such expiration, the
monthly rental payable under Paragraph 3 above shall for each month, or fraction
thereof during which Tenant so remains in possession of the Premises, be twice
the monthly rental otherwise payable under Paragraph 3 above.

ATTORNEY'S FEES
27. In the event that any action or proceeding is brought to enforce any term,
covenant or condition of this Lease on the part of Landlord or Tenant, the
prevailing party in such litigation shall be entitled to recover reasonable
attorney's fees and costs.

RIGHTS CUMULATIVE
28. All rights, powers and privileges conferred hereunder upon parties hereto
shall be cumulative and not restrictive of those given by law.

WAIVER OF RIGHTS
29. No failure of Landlord to exercise any power given Landlord hereunder or to
insist upon strict compliance by tenant or its obligations hereunder and no
custom or practice of the parties at variance with the terms hereof shall
constitute a waiver of Landlord's right to demand exact compliance with the
terms hereof.

<PAGE>

ENVIRONMENTAL LAWS
30. (a) Tenant shall not bring onto the Premises any Hazardous Materials (as
defined below) without the prior written approval by Landlord. Any approval must
be preceded by submission to Landlord of appropriate Material Safety Data Sheets
(MSD Sheets). In the event of approval by Landlord Tenant covenants that it will
(1) comply with all requirements of any constituted public authority and all
federal, state, and local codes statute,, ordinances, rules and regulations, and
laws, whether now in force or hereafter adopted relating to Tenant's use of the
Premises, or relating to the storage, use, disposal, processing, distribution,
shipping or sales of any hazardous, flammable, toxic, or dangerous materials,
waste or substance, the presence of which is regulated by a federal state, or
local law, ruling, rule or regulation (hereafter collectively referred to as
"Hazardous Materials"); (2) comply with any reasonable recommendations by the
insurance carrier of either Landlord or Tenant relating to the use by Tenant on
the Premises of such Hazardous Materials; (3) refrain from unlawfully disposing
of or allowing the disposal of any Hazardous Materials upon, within, about or
under the Premises; and (4) remove all Hazardous Materials from he Premises,
either after their use by Tenant or upon the expiration or earlier termination
of this Lease, in compliance with all applicable laws.

         2. Tenant shall be responsible for obtaining all necessary permits in
connection with its use, storage and disposal of Hazardous Materials, and shall
develop and maintain, and where necessary file with the appropriate authorities,
all reports, receipts, manifest, filings, lists and invoices covering those
Hazardous Materials and Tenant shall provide Landlord with copies of all such
items upon request. Tenant shall provide within five (5) days after receipt
thereof, copies of all notices, orders, claims or other correspondence from any
federal, state or local government or agency alleging any violation of any
environmental law or regulation by Tenant, or related in any manner to Hazardous
Materials. In addition, Tenant shall provide Landlord with copies of all
responses to such correspondence at the time of the response.

         3. Tenant hereby indemnifies and holds harmless Landlord, its
successors and assigns from and against any and all losses, liabilities,
damages, injuries, penalties, fines, costs, expenses and claims of any and every
kind whatsoever (including attorney's fees and cost, expenses or claims asserted
or arising under the Comprehensive Environmental Response, Compensation and
Liability Act of 1980, as amended, from time to time, and regulations
promulgated thereunder, any so-called state or local "Superfund" or "Superlien"
law, or any other federal state or local statute, law or ordinance, code, rule,
regulation, order or decree regulating, relating to, or imposing liability or
standards of conduct concerning any Hazardous Materials) paid, incurred or
suffered by, or asserted against Landlord as a result of any claim, demand or
judicial or administrative action by any person or entity (including
governmental or private entities) for, with respect to, or as a direct or
indirect result of, the presence on or under or the escape, seepage, leakage,
spillage, discharge, emission or release from the Premises on any Hazardous
Materials caused by Tenant or Tenant's agents, employees, invitees or successors
in interest. This indemnity shall also apply to any release of Hazardous
Materials caused by a fire or other casualty to the premises if such Hazardous
Materials were stored on the Premises by Tenant, its agents, employees, invitees
or successors in interest.

         4. If Tenant fails to comply with the Covenants to be performed
hereunder with respect to Hazardous materials, or if an environmental protection
lien is filed against the premises as a result of the actions of Tenant, its
agents, employees or invitees, then the occurrence of any such events shall be
considered a default hereunder.

         5. Tenant will give Landlord prompt notice of any release of Hazardous
Materials, reportable or non- reportable, to federal, state or local
authorities, or any fire, or any damage occurring on or to the Premises.

         6. Tenant will use and occupy the Premises and conduct its business in
such a manner that the Premises are neat, clean and orderly at all times with
all chemicals or Hazardous Materials marked for easy identification and stored
according to all codes as outlined above.

         7.  The warranties and indemnities contained in this Paragraph shall
survive the termination of this Lease.

TIME OF ESSENCE
31. Time is of the essence in this Lease.

<PAGE>

ABANDONMENT
32. Tenant shall not abandon the Premises at any time during the Lease term. If
Tenant shall abandon the Premises or be dispossessed by process of law, any
Personal Property belonging to Tenant and left on the Premises shall, at the
option of Landlord, be deemed abandoned, and available to Landlord to use or
sell to offset any rent due or any expenses incurred by removing same and
restoring the Premises.

DEFINITIONS
33. "Landlord" as used in this Lease shall include the undersigned, its heirs,
representatives, assigns and successors in title to the Premises. "Agent" as
used in this Lease shall mean the party designated as same in Paragraph 34, its
heirs, representatives, assigns and successors. "Tenant" shall include the
undersigned and its heirs, representatives, assigns and successors, and if this
Lease shall be validly assigned or sublet, shall include also Tenant's assignees
or sublesees as to the Premises covered by such assignment or sublease.
"Landlord," "Tenant," and "Agent" include male and female, singular and plural,
corporation, partnership or individual, as may fit the particular parties.

NOTICES
34. All notices required or permitted under this Lease shall be in writing and
shall be personally delivered or sent by U.S. certified mail, return receipt
requested, postage prepaid. Notices to Tenant shall be delivered or sent to the
address shown at the beginning of this Lease, except that upon Tenant taking
possession of the Premises, then the Premises shall be Tenant's address for such
purposes. Notices to Landlord shall be delivered or sent to the address shown at
the beginning of this Lease and notices to Agent, if any, shall be delivered or
sent to the address set forth in Paragraph 3 hereof.

ALL NOTICES SHALL BE EFFECTIVE UPON DELIVERY. ANY PARTY MAY CHANGE IS NOTICE
ADDRESS UPON WRITTEN NOTICE TO THE OTHER PARTIES, GIVEN AS PROVIDED HEREIN.

ENTIRE AGREEMENT
35. This Lease contains the entire agreement of the parties hereto, and no
representations, inducements, promises or agreements, oral or otherwise, between
the parties, not embodied herein shall be of any force or effect. This Lease may
not be modified except by a writing signed by all the parties hereto.

AUTHORIZED LEASE EXECUTION
36. Each individual executing this Lease as director, officer, partner, member,
or agent of a corporation, limited liability company, or partnership represents
and warrants that he is duly authorized to execute and deliver this Lease on
behalf of such corporation, limited liability company, or partnership.

TRANSFER OF LANDLORD'S INTEREST
37. In the event of the sale, assignment or transfer by Landlord of its interest
in the Premises or in this Lease (other than a collateral assignment to secure a
debt o Landlord) to a successor in interest who expressly assumes the
obligations of Landlord under this Lease, Landlord shall thereupon be released
and discharged from all its covenants and obligations under this Lease, except
those obligations that have accrued prior to such sale, assignment or transfer,
and Tenant agrees to look solely to the successor in interest of Landlord for
the performance of those covenants accruing after such sale, assignment or
transfer, Landlord's assignment of this Lease, or of any or all of its rights in
this Lease, shall not affect Tenant's obligations hereunder, and Tenant shall
attorn and look to the assignee as Landlord, provided Tenant has first received
written notice of the assignment of Landlord's interest.

SPECIAL STIPULATIONS
38. Any special stipulations are set forth in the attached Exhibit B. Insofar as
said Special Stipulations conflict with any of the foregoing provisions said
Special Stipulations shall control.

<PAGE>

MEMORANDUM OF LEASE
39. Upon request by either Landlord or Tenant, the parties hereto shall execute
a short form lease (Memorandum of Lease) in recordable form, setting forth such
provisions hereof (other than the amount of Base Monthly Rent and other sums
due) as either party may wish to incorporate. The cost of recording such
memorandum of lease shall be borne by the party requesting execution of same.

THIS DOCUMENT IS A LEGAL DOCUMENT. EXECUTION OF THIS DOCUMENT HAS LEGAL
CONSEQUENCES THAT COULD BE ENFORCEABLE IN A COURT OF LAW. THE NORTH CAROLINA
ASSOCIATION OF REALTORS MAKES NO REPRESENTATIONS CONCERNING THE LEGAL
SUFFICIENCY, LEGAL EFFECT OR TAX CONSEQUENCES OF THIS DOCUMENT OR THE
TRANSACTION TO WHICH IT RELATED AND RECOMMENDS THAT YOU CONSULT YOUR ATTORNEY.

IN WITNESS WHEREOF, the parties hereto have hereunto set their hands and seals,
the date and years first above written.

LANDLORD:

Individual                                           Business Entity

                                           OXENDINE FAMILY LIMITED PARTNERSHIP
-----------------------------

                                           By:  /S/ Jene E. Oxendine
-----------------------------                   --------------------------------
                                           Title:
                                                  ------------------------------

TENANT:

Individual                                 Business Entity

                                           WEBB MORTGAGE
------------------------------
                                           By: /S/ Byron Webb
                                               ---------------------------------
                                           Title: President
                                                  ------------------------------

                                           Witness: /S/ Andrea Webb
                                                    ----------------------------

<PAGE>

                              SCHEDULE OF EXHIBITS

         EXHIBIT A         SITE PLAN

         EXHIBIT B         SPECIAL STIPULATIONS

         EXHIBIT C         BUILDING RULES & REGULATIONS

         EXHIBIT D         FLOOR PLAN

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