Document:

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                                                                   EXHIBIT 10.20

                              LINE OF CREDIT NOTE

$10,000,000.00                                                Irvine, California
                                                               September 4, 2001

       FOR VALUE RECEIVED, the undersigned THE KEITH COMPANIES, INC ("Borrower")
promise to pay to the order of Wells Fargo Bank, National Association ("Bank")
at its Orange Coast Regional Commercial Banking Office at 2030 Main Street,
Suite 900, Irvine, California 90071, or at such other place as the holder hereof
may designate, in lawful money of the United States of America and in
immediately available funds, the principal sum of Ten Million Dollars
($10,000,000.00), or so much thereof as may be advanced and be outstanding, with
interest thereon, to be computed on each advance from the date of its
disbursement as set forth herein.

DEFINITIONS:

       As used herein, the following terms shall have the meanings set forth
after each, and any other term defined in this Note shall have the meaning set
forth at the place defined:

       (a) "Business Day" means any day except a Saturday, Sunday or any other
day on which commercial banks in California are authorized or required bylaw to
close.

       (b) "Fixed Rate Term" means a period commencing on a Business Day and
continuing for 1, 2, 3, or 6 months, as designated by Borrower, during which all
or a portion of the outstanding principal balance of this Note bears interest
determined in relation to LIBOR; provided however, that no Fixed Rate Term may
be selected for a principal, amount less than $100,000.00 with respect to
Working Capital Advances or $100,000.00 with respect to Equipment Advances; and
provided further, that no Fixed Rate Term shall extend beyond the scheduled
maturity date hereof. If any Fixed Rate Term would end on a day which is not a
Business Day, then such Fixed Rate Term shall be extended to the next succeeding
Business Day.

       (c) "LIBOR" means the rate per annum and determined pursuant to the
following formula:

       LIBOR  =    Base LIBOR
                   ----------
                   100% - LIBOR Reserve Percentage

       (i) "Base LIBOR" means the rate per annum for United States dollar
deposits quoted by Bank as the Inter-Bank Market Offered Rate, with the
understanding that such rate is quoted by Bank for the purpose of calculating
effective rates of interest for loans making reference thereto, on the first day
of a Fixed Rate Term for delivery of funds on said date for a period of time
approximately equal to the number of days in such Fixed Rate Term and in an
amount approximately equal to the principal amount to which such Fixed Rate Term
applies. Borrower understands and agrees that Bank may base its quotation of the
Inter-Bank Market Offered Rate upon such offers or other market indicators of
the Inter-Bank Market as Bank in its discretion deems appropriate including, but
not limited to, the rate offered for U.S. dollar deposits on the London
Inter-Bank Market.

       (ii) "LIBOR Reserve Percentage" means the reserve percentage prescribed
by the Board of Governors of the Federal Reserve System (or any successor) for
"Eurocurrency Liabilities" (as defined in Regulation D of the Federal Reserve
Board, as amended), adjusted by Bank for expected changes in such reserve
percentage during the applicable Fixed Rate Term.

       (d) "Prime Rate" means at anytime the rate of interest most recently
announced within Bank at its principal office as its Prime Rate, with the
understanding that the Prime Rate is one of Bank's base rates and serves as the
basis upon which effective rates of interest are calculated for those loans
making reference thereto, and is evidenced by the recording thereof after its
announcement in such internal publication or publications as Bank may designate.

INTEREST:

       (a) Interest. The outstanding principal balance of this Note shall bear
interest (computed on the basis of a 360-day year, actual days elapsed) either
(i) at a fluctuating rate per annum equal to the Prime Rate in effect from time
to time, or (ii) at a fixed rate per annum determined by Bank to be one and one
quarter percent (1.25%) above LIBOR in effect on the first day of the applicable
Fixed Rate Term. When interest is determined in relation to the Prime Rate, each
change in the rate of interest hereunder shall become effective on the date each
Prime Rate change is announced within Bank. With
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respect to each LIBOR selection hereunder, Bank is hereby authorized to note the
date, principal amount, interest rate and Fixed Rate Term applicable thereto and
any payments made thereon on Bank's books and records (either manually or by
electronic entry) and/or on any schedule attached to this Note, which notations
shall be prima facie evidence of the accuracy of the information noted.

       (b) Selection of Interest Rate Options. At anytime any portion of this
Note bears interest determined in relation to LIBOR, it maybe continued by
Borrower at the end of the Fixed Rate Term applicable thereto so that all or a
portion thereof bears interest determined in relation to the Prime Rate or to
LIBOR for a new Fixed Rate Term designated by Borrower. At any time any portion
of this Note bears interest determined in relation to the Prime Rate, Borrower
may convert all or a portion thereof so that it bears interest determined in
relation to LIBOR for a Fixed Rate Term designated by Borrower. At such time as
Borrower requests an advance hereunder or wishes to select a LIBOR option for
all or a portion of the outstanding principal balance hereof, and at the end of
each Fixed Rate Term, Borrower shall give Bank notice specifying: (i) the
interest rate option selected by Borrower; (ii) the principal amount subject
thereto; and (iii) for each LIBOR selection, the length of the applicable Fixed
Rate Term. Any such notice may be given by telephone (or such other electronic
method as Bank may permit) so long as, with respect to each LIBOR selection, (A)
if requested by Bank, Borrower provides to Bank written confirmation thereof not
later than three (3) Business Days after such notice is given, and (B) such
notice is given to Bank prior to 10:00 a.m. on the first day of the Fixed Rate
Term, or at a later time during any Business Day if Bank, at it's, sole option
but without obligation to do so, accepts Borrowers notice and quotes a fixed
rate to Borrower. If Borrower does not immediately accept a fixed rate when
quoted by Bank, the quoted rate shall expire and any subsequent LIBOR request
from Borrower shall be subject to a redetermination by Bank of the applicable
fixed rate. If no specific designation of interest is made at the time any
advance is requested hereunder or at the end of any Fixed Rate Term, Borrower
shall be deemed to have made a Prime Rate interest selection for such advance or
the principal amount to which such Fixed Rate Term applied.

       (c) Taxes and Regulatory Costs. Borrower shall pay to Bank immediately
upon demand, in addition to any other amounts due or to become due hereunder,
any and all (i) withholdings, interest equalization taxes, stamp taxes or other
taxes (except income and franchise taxes) imposed by any domestic or foreign
governmental authority and related in any manner to LIBOR, and (ii) future,
supplemental, emergency or other changes in the LIBOR Reserve Percentage,
assessment rates imposed by the Federal Deposit Insurance Corporation, or
similar requirements or costs imposed by any domestic or foreign governmental
authority or resulting from compliance by Bank with any request or directive
(whether or not having the force of law) from any central bank or other
governmental authority and related in any manner to LIBOR to the extent they are
not included in the calculation of LIBOR. In determining which of the foregoing
are attributable to any LIBOR option available to Borrower hereunder, any
reasonable allocation made by Bank among its operations shall be conclusive and
binding upon Borrower.

       (d) Payment of Interest. Interest accrued on this Note shall be payable
on the third day of each month, commencing October 3, 2001.

       (e) Default Interest. From and after the maturity date of this Note, or
such earlier date as all principal owing hereunder becomes due and payable by
acceleration or otherwise, the outstanding principal balance of this Note shall
bear interest until paid in full at an increased rate per annum (computed on the
basis of a 360-day year, actual days elapsed) equal to two percent (2%) above
the rate of interest from time to time applicable to this Note.

BORROWING AND REPAYMENT:

       (a) Borrowing and Repayment. Borrower may from time to time during the
term of this Note borrow, partially or wholly repay its outstanding borrowings,
and reborrow Working Capital Advances and Acquisition Advances, subject to all
of the limitations, terms and conditions of this Note and of any document
executed in connection with or governing this Note; provided however, that the
total outstanding borrowings under this Note shall not at anytime exceed the
principal amount stated above. The unpaid principal balance of this obligation
at any time shall be the total amounts advanced hereunder by the holder hereof
less the amount of principal payments made hereon by or for any Borrower, which
balance may be endorsed hereon from time to time by the holder. The outstanding
principal balance of Equipment Advances on September 1, 2002 shall be due and
payable on the third day of each month in 48 equal consecutive installments,
each equal to 1/48th of such outstanding principal balance, commencing on
October 3, 2002 to and including September 3, 2006. The outstanding principal
balance of Working Capital Advances and Acquisition Advances shall be due and
payable in full on June 15, 2003.

       (b) Advances. Acquisition Advances and Working Capital Advances, subject
to the limitations set forth in the Credit Agreement (defined below), may be
made by the holder at the oral or written request of (i) Aram Keith or Gary
Campanaro, any one acting alone, who are authorized to request advances and
direct the disposition of any advances

<PAGE>

until written notice of the revocation of such authority is received by the
holder at the office designated above, or (ii) any person, with respect to
advances deposited to the credit of any account of any Borrower with the holder,
which advances, when so deposited, shall be conclusively presumed to have been
made to or for the benefit of each Borrower regardless of the fact that persons
other than those authorized to request advances may have authority to draw
against such account. The holder shall have no obligation to determine whether
any person requesting an advance is or has been authorized by any Borrower.
Equipment Advances shall be available in the manner set forth in the Credit
Agreement.

       (c) Application of Payments. Each payment made on this Note shall be
credited first, to any interest then due and second, to the outstanding
principal balance hereof All payments credited to principal shall be applied to
Working Capital Advances, Acquisition Advances and/or Equipment Advances as
described in the Credit Agreement, and shall be so applied first, to the
outstanding principal balance of applicable advances which bears interest
determined in relation to the Prime Rate, if any, and second, to the outstanding
principal balance of the advances which bears interest determined in relation to
LIBOR, with such payments applied to the oldest Fixed Rate Term first.

PREPAYMENT:

       (a) Prime Rate. Borrower may prepay principal on any portion of this Note
which bears interest determined in relation to the Prime Rate at anytime, in any
amount and without penalty.

       (b) LIBOR. Borrower may prepay principal on any portion of this Note
which bears interest determined in relation to LIBOR at anytime and in the
minimum amount of $500,000.00; provided however, that if the outstanding
principal balance of such portion of this Note is less than said amount, the
minimum prepayment amount shall be the entire outstanding principal balance
thereof. In consideration of Bank providing this prepayment option to Borrower,
or if any such portion of this Note shall become due and payable at any time
prior to the last day of the Fixed Rate Term applicable thereto by acceleration
or otherwise, Borrower shall pay to Bank immediately upon demand a fee which is
the sum of the discounted monthly differences for each month from the month of
prepayment through the month in which such Fixed Rate Term matures, calculated
as follows for each such month:

       (i) Determine the amount of interest which would have accrued each month
       on the amount prepaid at the interest rate applicable to such amount had
       it remained outstanding until the last day of the Fixed Rate Term
       applicable thereto.

       (ii) Subtract from the amount determined in (i) above the amount of
       interest which would have accrued for the same month on the amount
       prepaid for the remaining term of such Fixed Rate Term at LIBOR in effect
       on the date of prepayment for new loans made for such term and in a
       principal amount equal to the amount prepaid.

       (iii) If the result obtained in (ii) for any month is greater than zero,
       discount that difference by LIBOR used in (ii) above.

Each Borrower acknowledges that prepayment of such amount may result in Bank
incurring additional costs, expenses and/or liabilities, and that it is
difficult to ascertain the full extent of such costs, expenses and/or
liabilities. Borrower, therefore, agrees to pay the above-described prepayment
fee and agrees that said amount represents a reasonable estimate of the
prepayment costs, expenses and/or liabilities of Bank. If Borrower fails to pay
any prepayment fee when due, the amount of such prepayment fee shall thereafter
bear interest until paid at a rate per annum 2.00% above the Prime Rate in
effect from time to time (computed on the basis of a 360-day year, actual days
elapsed). Each change in the rate of interest on any such past due prepayment
fee shall become effective on the date each Prime Rate change is announced
within Bank. Prepayments of principal applied to Equipment Advances after
September 1, 2002 shall be applied to the scheduled installments in inverse
order of maturity.

EVENTS OF DEFAULT:

       This Note is made pursuant to and is subject to the terms and conditions
of that certain Credit Agreement between Borrower and Bank dated as of September
4, 2001, as amended or restated from time to time (the "Credit Agreement"). Any
default in the payment or performance of any obligation under this Note, or any
defined event of default under the Credit Agreement, shall constitute an "Event
of Default" under this Note.

MISCELLANEOUS:

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       (a) Remedies. Upon the occurrence of any Event of Default, the holder of
this Note, at the holder's option, may declare all sums of principal and
interest outstanding hereunder to be immediately due and payable without
presentment, demand, notice of nonperformance, notice of protest, protest or
notice of dishonor, all of which are expressly waived by each Borrower, and the
obligation, if any, of the holder to extend any further credit hereunder shall
immediately cease and terminate. Each Borrower shall pay to the holder
immediately upon demand the full amount of all payments, advances, charges,
costs and expenses, including reasonable attorneys' fees (to include outside
counsel fees and all allocated costs of the holders in-house counsel), expended
or incurred by the holder in connection with the enforcement of the holders
rights and/or the collection of any amounts which become due to the holder under
this Note, and the prosecution or defense of any action in anyway related to
this Note, including without limitation, any action for declaratory relief,
whether incurred at the trial or appellate level, in an arbitration proceeding
or otherwise, and including any of the foregoing incurred in connection with any
bankruptcy proceeding (including without limitation, any adversary proceeding,
contested matter or motion brought by Bank or any other person) relating to any
Borrower or any other person or entity.

       (b) Obligations Joint and Several. Should more than one person or entity
sign this Note as a Borrower, the obligations of each such Borrower shall be
joint and several.

       (c) Governing Law. This Note shall be governed by and construed in
accordance with the laws of the State of California.

IN WITNESS WHEREOF, the undersigned has executed this Note as of the date first
written above.

THE KEITH COMPANIES, INC.

By: /s/ Gary Campanaro
----------------------
Title: CFO
<PAGE>

                           ADDENDUM TO PROMISSORY NOTE
                        (PRIME/LIBOR PRICING ADJUSTMENTS)

       THIS ADDENDUM is attached to and made a part of that certain promissory
note executed by THE KEITH COMPANIES, INC. ("Borrower") and payable to WELLS
FARGO BANK, NATIONAL ASSOCIATION ("Bank"), or order, dated as of September 4,
2001, in the principal amount of Ten Million Dollars ($10,000,000.00) (the
"Note").

       The following provisions are hereby incorporated into the Note to reflect
the interest rate adjustments agreed to by Bank and Borrower:

INTEREST RATE ADJUSTMENTS:

       (a) Initial Interest Rates. The initial interest rates applicable to this
Note shall be the rates set forth in the "Interest" paragraph herein.

       (b) Interest Rate Adjustments. In addition to any interest rate
adjustments resulting from changes in the Prime Rate, Bank shall adjust the
Prime Rate and LIBOR margins used to determine the rates of interest applicable
to this Note on a quarterly basis, commencing with Borrower's fiscal quarter
ending June 30, 2001, if required to reflect a change in Borrower's ratio of
Total Liabilities to Tangible Net Worth (as defined in the Credit Agreement
referenced herein), in accordance with the following grid:

<TABLE>
<CAPTION>
                                    Applicable            Applicable
        Total Liabilities to        Prime Rate            LIBOR
        Tangible Net Worth          Margin                Margin
        ------------------          ----------            ----------
<S>                                 <C>                   <C>
        0.65 to 1.0 or greater             0%               1.75%

        at least 0.40 to 1.0 but
        less than 0.65 to 1.0              0%               1.50%

        less than 0.40 to 1.0          -0.25%               1.25%
</TABLE>

Each such adjustment shall be effective on the first Business Day of Borrower's
fiscal quarter following the quarter during which Bank receives and reviews
Borrower's most current fiscal quarter-end financial statements in accordance
with any requirements established by Bank for the preparation and delivery
thereof.

       IN WITNESS WHEREOF, this Addendum has been executed as of the same date
as the Note.

THE KEITH COMPANIES, INC.

By: /s/ Gary Campanaro
-----------------------
Chief Financial Officer<PAGE>
                                                                   Exhibit 4.1

                             SSP SOLUTIONS, INC.
                      2001 EMPLOYEE STOCK PURCHASE PLAN

      1. PURPOSE OF THE PLAN. The purpose of this SSP Solutions, Inc. 2001
Employee Stock Purchase Plan (the "Plan") is to provide Eligible Employees with
an incentive to advance the best interests of SSP Solutions, Inc. (the
"Company") and those Affiliates which may be designated by the Committee, by
providing a method whereby they may voluntarily purchase Common Stock at a
favorable price and upon favorable terms.

      2. DEFINITIONS. For purposes of this Plan, the following definitions shall
apply:

            (a) "Account" means the bookkeeping account maintained by the
      Company, or by a record keeper on behalf of the Company, for a Participant
      pursuant to Section 8(a).

            (b) "Affiliate" means any "parent corporation" of the Company,
      whether now or hereafter existing, as defined in Section 424(e) of the
      Code, and any "subsidiary corporation" of the Company, whether now or
      hereafter acquired, as defined in Section 424(f) of the Code.

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

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

            (e) "Committee" means the committee established by the Company's
      Board of Directors to administer this Plan pursuant to Section 3.

            (f) "Common Stock" means the common stock, $.01 par value per share,
      of the Company.

            (g) "Company" means SSP Solutions, Inc., a Delaware corporation.

            (h) "Compensation" means the Eligible Employee's annualized rate of
      salary in effect at any time during the term of this Plan, exclusive of
      all overtime earnings, shift differentials, bonus payments, performance
      awards, stock option exercises, stock appreciation rights, restricted
      stock exercises, auto allowances, tuition reimbursement and all other
      forms of remuneration not required by the Eligible Employee's employment
      relationship.

            (i) "Contributions" means all bookkeeping amounts credited to the
      Account of a Participant pursuant to Section 8(a).

            (j) "Effective Date" means the date on which the Registration
      Statement on Form S-8 covering the shares of Common Stock to be offered
      under the Plan is declared effective by the Securities and Exchange
      Commission.

            (k) "Eligible Employees" means all employees of the Company,
      including without limitation Officers of the Company, or of any Affiliate
      which has been designated in writing by the Committee as a participating
      Affiliate. Notwithstanding the foregoing, "Eligible Employee" shall not
      include: (i) employees customarily employed less than twenty (20) hours
      weekly; (ii) employees whose customary employment is for not more than
      five (5) months in any calendar

                                      -1-
<PAGE>
      year; and (iii) employees who, immediately after a Stock Purchase Right is
      granted, would be deemed for purposes of Section 423(b)(3) of the Code to
      own stock possessing five percent (5%) or more of the total combined
      voting power or value of all classes of the shares of the Company or any
      Affiliate.

            (l) "Exchange Act" means the Securities Exchange Act of 1934, as
      amended.

            (m) "Exercise Date" means, with respect to an Offering Period, the
      last day of that Offering Period.

            (n) "Fair Market Value" means, as of any date, the value of Common
      Stock determined as follows:

                  (i) If the Common Stock is listed on any established stock
            exchange or a national market system, including without limitation
            the Nasdaq National Market or The Nasdaq SmallCap Market of The
            Nasdaq Stock Market, its Fair Market Value shall be the closing
            sales price for such stock (or the closing bid, if no sales were
            reported) as quoted on such exchange or system on: (A) in the case
            of the determination of the price per Share of the Shares subject to
            a Stock Purchase Right, the Grant Date or Exercise Date, as provided
            in Section 9(b) hereof or, if such Grant Date or Exercise Date is
            not a market trading day, then the last market trading day prior to
            the Grant Date or Exercise Date, as applicable, as reported in The
            Wall Street Journal or such other source as the Committee deems
            reliable; or (B) in all other cases, the last market trading day
            prior to the day of determination, as reported in The Wall Street
            Journal or such other source as the Administrator deems reliable;

                  (ii) If the Common Stock is regularly quoted by a recognized
            securities dealer but selling prices are not reported, its Fair
            Market Value shall be the mean between the high bid and low asked
            prices for the Common Stock on: (A) in the case of the determination
            of the price per Share of the Shares subject to a Stock Purchase
            Right, the Grant Date or Exercise Date, as provided in Section 9(b)
            hereof or, if such Grant Date or Exercise Date is not a market
            trading day, then the last market trading day prior to the Grant
            Date or Exercise Date, as applicable, as reported in The Wall Street
            Journal or such other source as the Committee deems reliable; or (B)
            in all other cases, the last market trading day prior to the day of
            determination, as reported in The Wall Street Journal or such other
            source as the Administrator deems reliable; and

                  (iii) In the absence of an established market for the Common
            Stock, the Fair Market Value thereof shall be determined in good
            faith by the Committee.

            (o) "Grant Date" means the first day of each Offering Period.

            (p) "Offering Period" means the six consecutive-month period
      commencing on each January 1 and July 1 during the term of this Plan and
      during which time payroll deductions will be made from the Compensation of
      Eligible Employees who become Participants in the Plan. The initial
      Offering Period shall commence on January 1, 2002 and end on June 30,
      2002.

            (q) "Officer" means a person who is an officer of the Company within
      the meaning of Section 16 of the Exchange Act and the rules and
      regulations promulgated thereunder.

                                      -2-
<PAGE>
            (r) "Participant" means an Eligible Employee who has elected to
      participate in this Plan and who has filed a valid and effective
      Subscription Agreement to make Contributions pursuant to Section 7.

            (s) "Plan" means this SSP Solutions, Inc. 2001 Employee Stock
      Purchase Plan, as amended from time to time.

            (t) "Securities Act" means the Securities Act of 1933, as amended.

            (u) "Share" means a share of Common Stock, as adjusted in accordance
      with Section 17 hereof.

            (v) "Stock Purchase Right" means a right purchase Common Stock
      granted to a Participant.

            (w) "Subscription Agreement" means the written agreement filed by an
      Eligible Employee with the Company pursuant to Section 7 to participate in
      this Plan.

      3. ADMINISTRATION.

            (a) The Board of Directors shall appoint the Committee, which shall
      be composed of not less than two members of the Board of Directors. Each
      member of the Committee, in respect of any transaction at a time when a
      Participant may be subject to Section 16 of the Exchange Act, shall be a
      "non-employee director" within the meaning of Rule 16b-3 promulgated under
      Section 16 of the Exchange Act. The Board of Directors may, at any time,
      increase or decrease the number of members of the Committee, may remove
      from membership on the Committee all or any portion of its members, and
      may appoint such person or persons as it desires to fill any vacancy
      existing on the Committee, whether caused by removal, resignation, or
      otherwise. The Board of Directors may also, at any time, assume or change
      the administration of this Plan.

            (b) The Committee shall supervise and administer this Plan and shall
      have full power and discretion to adopt, amend and rescind any rules
      deemed desirable and appropriate for the administration of this Plan and
      not inconsistent with the terms of this Plan, and to make all other
      determinations necessary or advisable for the administration of this Plan.
      The Committee shall act by majority vote or by unanimous written consent.
      No member of the Committee shall be entitled to act on or decide any
      matter relating solely to himself or herself or any of his or her rights
      or benefits under this Plan. The Committee shall have full power and
      discretionary authority to construe and interpret the terms and conditions
      of this Plan, which construction or interpretation shall be final and
      binding on all parties including the Company, Participants and
      beneficiaries. Notwithstanding anything to the contrary contained in this
      Plan, except as specifically permitted by the Code, all Stock Purchase
      Rights granted with respect to any Offering Period must give the
      respective Participants the same rights and privileges. The Committee may
      delegate ministerial non-discretionary functions to third parties,
      including Officers of the Company.

            (c) Any action taken by, or inaction of, the Company, the Board of
      Directors or the Committee relating to this Plan shall be within the
      absolute discretion of that entity or body. No member of the Board of
      Directors or Committee, or Officer of the Company shall be liable for any
      such action or inaction.

      4. STOCK SUBJECT TO THIS PLAN; SHARE LIMITATIONS. The aggregate number of
Shares to be made available under this Plan is 1,000,000 Shares, subject to
adjustment pursuant to the terms of Section

                                      -3-
<PAGE>
17. The Shares may be authorized but unissued, or reacquired Common Stock. If a
Stock Purchase Right expires or becomes unexercisable without having been
exercised in full, the Shares which were subject thereto shall become available
for future grant or sale under the Plan (unless the Plan has terminated).
However, Shares that have actually been issued under the Plan, upon exercise of
a Stock Purchase Right, shall not be returned to the Plan and shall not become
available for future distribution under the Plan. In the event that all of the
Shares made available under this Plan are subscribed prior to the expiration of
this Plan, this Plan may be terminated in accordance with Section 22.

      5. OFFERING PERIODS. During the term of this Plan, the Company will offer
Stock Purchase Rights to purchase Shares to all Participants during each
Offering Period. Each Stock Purchase Right shall become effective on the Grant
Date. The term of each Stock Purchase Right shall be six months and shall end on
the Exercise Date. The first Offering Period shall commence on the January 1,
2002. Offering Periods shall continue until this Plan is terminated in
accordance with Section 22, or, if earlier, until no Shares remain available for
Stock Purchase Rights pursuant to Section 4.

      6. ELIGIBILITY. Any person employed as an Eligible Employee as of a Grant
Date shall be eligible to participate in this Plan during the Offering Period in
which such Grant Date occurs, subject to the Eligible Employee satisfying the
requirements of Section 7 below, and subject to Section 12(b) herein.

      7. PARTICIPATION. An Eligible Employee may become a Participant in this
Plan by completing a Subscription Agreement on a form approved by and in a
manner prescribed by the Committee (or its delegate). To become effective,
Subscription Agreements must be filed with the Company prior to the applicable
Grant Date and must set forth the amount or whole percentage of the Eligible
Employee's Compensation (which shall not be less than 1% and not more than 10%
of such Eligible Employee's Compensation) to be credited to the Participant's
Account as Contributions each pay period. The Committee may permit Eligible
Employees to make separate Contribution elections with respect to the bonus
portion of their Compensation, on such terms and conditions as the Committee may
prescribe. Subscription Agreements shall contain the Eligible Employee's
authorization and consent to the Company's withholding from his or her
Compensation the amount of his or her Contributions. Once a Subscription
Agreement has become effective for an Offering Period, it will remain effective
for subsequent Offering Periods unless the Participant withdraws from
participation in the Plan or becomes ineligible to participate; provided,
however, that the level of Contributions may be adjusted from time to time
pursuant to Section 8 of this Plan.

      8. METHOD OF PAYMENT OF CONTRIBUTIONS.

            (a) The Company shall maintain on its books, or cause to be
      maintained by a record keeper, an Account in the name of each Participant.
      The percentage of Compensation elected to be applied as Contributions by a
      Participant shall be deducted from such Participant's Compensation on each
      payday during the period for payroll deductions set forth below and such
      payroll deductions shall be credited to that Participant's Account as soon
      as administratively practicable after such date. A Participant may not
      make any additional payments to his or her Account. A Participant's
      Account shall be reduced by any amounts used to pay the price of Shares
      acquired, or by any other amounts distributed pursuant to the terms
      hereof.

            (b) Payroll deductions with respect to an Offering Period shall
      commence as of the first day of the payroll period which coincides with or
      immediately follows the applicable Grant Date and shall end on the last
      day of the payroll period which coincides with or immediately precedes the
      applicable Exercise Date, unless sooner terminated by the Participant as
      provided in this Section 8 or until his or her participation terminates
      pursuant to Section 12.

                                      -4-
<PAGE>
            (c) A Participant may terminate or withdraw his or her Contributions
      during an Offering Period by completing and filing with the Company, in
      such form and on such terms as the Committee (or its delegate) may
      prescribe, a written withdrawal form which shall be signed by the
      Participant. Such termination shall be effective as soon as
      administratively practicable after its receipt by the Company.

            (d) A Participant may discontinue or otherwise change the level of
      his or her Contributions (within Plan limits) during an Offering Period by
      completing and filing with the Company, in such form and on such terms as
      the Committee (or its delegate) may prescribe, a written change in
      Contributions election which shall be signed by the Participant. Such
      change shall be effective as soon as administratively practicable after
      its receipt by the Company. A Participant shall make no more than two
      elections pursuant to this Section 8(d) in any one Offering Period and any
      elections in excess of such limit shall be invalid.

      9. GRANT OF STOCK PURCHASE RIGHT.

            (a) On each Grant Date, each Eligible Employee who is a Participant
      during that Offering Period shall be granted a Stock Purchase Right to
      purchase a number of Shares. Unless a Participant's Plan participation is
      terminated as provided in Section 12, the Stock Purchase Right
      automatically shall be exercised on each applicable Exercise Date. The
      number of Shares subject to the Stock Purchase Right shall be determined
      by dividing the Participant's Account balance as of the applicable
      Exercise Date by the price per Share as determined pursuant to Section
      9(b) below, disregarding any fractional Shares.

            (b) The price per Share of the Shares subject to a Stock Purchase
      Right shall be the lesser of: (i) 85% of the Fair Market Value of a Share
      of Common Stock on the applicable Grant Date; or (ii) 85% of the Fair
      Market Value of a Share of Common Stock on the applicable Exercise Date.

(c)   Notwithstanding anything else contained herein, a person who is
      otherwise an Eligible Employee shall not be granted any Stock Purchase
      Right or other right to purchase Shares under this Plan to the extent:
      (i) it would, if exercised, cause the person to own "stock" (as such
      term is defined for purposes of Section 423(b)(3) of the Code)
      possessing 5% or more of the total combined voting power or value of
      all classes of stock of the Company, or any Affiliate, or (ii) such
      Stock Purchase Right causes such individual to have rights to purchase
      stock under this Plan and any other plan of the Company or any
      Affiliate, where such rights are treated as being qualified under
      Section 423 of the Code, which accrue at a rate which exceeds $25,000
      of the fair market value of the stock of the Company or of an Affiliate
      (determined at the time the Stock Purchase Right is granted) for each
      calendar year in which such Stock Purchase Right is outstanding at any
      time. For this purpose, a right to purchase Shares accrues when any
      part of such Stock Purchase Right first becomes exercisable during the
      calendar year. The right to purchase stock that has accrued under one
      Stock Purchase Right granted pursuant to this Plan may not be carried
      over to any other Stock Purchase Right. In determining whether the
      stock ownership of an Eligible Employee equals or exceeds the 5% limit
      set forth above, the rules of Section 424(d) of the Code (relating to
      attribution of stock ownership) shall apply.

      10. EXERCISE OF STOCK PURCHASE RIGHT. Unless a Participant's Plan
participation is terminated as provided in Section 12, his or her Stock Purchase
Right for the purchase of Shares shall be exercised automatically on the
Exercise Date for that Offering Period, without any further action on the
Participant's part, and the maximum number of Shares subject to such Stock
Purchase Right shall be purchased at the applicable price with the balance of
such Participant's Account. No fractional Shares

                                      -5-
<PAGE>
may be purchased under the Plan. If any amount (which is not sufficient to
purchase a whole Share) remains in a Participant's Account after the exercise of
his or her Stock Purchase Right on the Exercise Date: (i) such amount shall be
credited to such Participant's Account for the next Offering Period, if he or
she is then a Participant; or (ii) if such Participant is not a Participant in
the next Offering Period, or if the Committee so elects, such amount shall be
refunded to such Participant as soon as administratively practicable after such
Exercise Date. If a Participant is limited in the number of Shares the
Participant may purchase in any Offering Period, any amount remaining in the
Participant's Account on the applicable Exercise Date that is sufficient to
purchase one or more whole Shares will be refunded to such Participant without
interest after the end of the Offering Period.

      11. DELIVERY. As soon as administratively practicable after the Exercise
Date, the Company shall deliver to each Participant a certificate representing
the Shares purchased upon exercise of his or her Stock Purchase Right. The
Company may make available an alternative arrangement for delivery of Shares to
a record-keeping service. The Committee (or its delegate), in its discretion,
may either require or permit the Participant to elect that such certificates be
delivered to such record-keeping service. In the event the Company is required
to obtain from any commission or agency authority to issue any such certificate,
the Company will seek to obtain such authority. Inability of the Company to
obtain from any such commission or agency authority which counsel for the
Company deems necessary for the lawful issuance of any such certificate shall
relieve the Company from liability to any Participant except to return to the
Participant the amount of the balance in his or her Account.

      12. TERMINATION OF EMPLOYMENT; CHANGE IN ELIGIBLE STATUS.

            (a) Upon a Participant's termination from employment with the
      Company or any Affiliate for any reason, including without limitation,
      retirement, death, voluntary or involuntary leave of absence (except as
      otherwise provided in this paragraph), or in the event that a Participant
      is no longer an Eligible Employee, or if the Participant elects to
      terminate Contributions pursuant to Section 8(c), at any time prior to the
      last day of an Offering Period in which he or she participates, such
      Participant's Account shall be paid to him or her in cash, or, in the
      event of such Participant's death, paid to the person or persons entitled
      thereto under Section 13, and such Participant's Stock Purchase Right for
      that Offering Period shall be automatically terminated. For this purpose,
      an Eligible Employee will not be deemed to have terminated employment or
      failed to remain in the continuous employ of the Company in the case of
      maternity leave or other approved medical leaves of absence, provided that
      such leave is for a period of not more than ninety (90) days or
      reemployment upon the expiration of such leave is guaranteed by contract
      or statute.

            (b) A Participant who has terminated or withdrawn from participation
      in the Plan pursuant to Section 8(c) hereof at least thirty (30) days
      prior to the Exercise Date of an Offering Period shall be excluded from
      participation in the Plan for the remainder of that Offering Period, but
      may then be reinstated as a participant for a subsequent Offering Period,
      provided that the applicable eligibility and participation requirements
      are again then met. A Participant who has terminated or withdrawn from
      participation in the Plan pursuant to Section 8(c) hereof less than thirty
      (30) days prior to the Exercise Date of an Offering Period shall be
      excluded from participation in the Plan for the remainder of that Offering
      Period and for one (1) subsequent Offering Period, but may thereafter be
      reinstated as a participant for a subsequent Offering Period, provided
      that the applicable eligibility and participation requirements are again
      then met. A Participant's termination from Plan participation shall be
      deemed to be a revocation of that Participant's Subscription Agreement and
      such Participant must file a new Subscription Agreement to resume Plan
      participation in any succeeding Offering Period.

                                      -6-
<PAGE>
      13. DESIGNATION OF BENEFICIARY.

            (a) A Participant may file, in a manner prescribed by the Committee
      (or its delegate), a written designation of a beneficiary who is to
      receive any Shares or cash from such Participant's Account under this Plan
      in the event of such Participant's death. If a Participant's death occurs
      subsequent to the end of an Offering Period but prior to the delivery to
      him or her of any Shares deliverable under the terms of this Plan, such
      Shares and any remaining balance of such Participant's Account shall be
      paid to such beneficiary (or such other person as set forth in Section
      13(b)) as soon as administratively practicable after the Company receives
      notice of such Participant's death, and any outstanding unexercised Stock
      Purchase Right shall terminate. If a Participant's death occurs at any
      other time, the balance of such Participant's Account shall be paid to
      such beneficiary (or such other person as set forth in Section 13(b)) in
      cash as soon as administratively practicable after the Company receives
      notice of such Participant's death, and such Participant's Stock Purchase
      Right shall terminate. If a Participant is married and the designated
      beneficiary is not his or her spouse, spousal consent shall be required
      for such designation to be effective.

            (b) Beneficiary designations may be changed by the Participant (and
      his or her spouse, if required) at any time on forms provided and in the
      manner prescribed by the Committee (or its delegate). If a Participant
      dies with no validly designated beneficiary under this Plan who is living
      at the time of such Participant's death, the Company shall deliver all
      Shares and/or cash payable pursuant to the terms hereof to the executor or
      administrator of the estate of the Participant, or if no such executor or
      administrator has been appointed, the Company, in its discretion, may
      deliver such Shares and/or cash to the spouse or to any one or more
      dependents or relatives of the Participant, or if no spouse, dependent or
      relative is known to the Company, then to such other person as the Company
      may designate.

      14. TRANSFERABILITY.

            (a) Stock Purchase Rights may be exercised, during the lifetime of
      the Participant, only by the Participant. Neither Contributions credited
      to a Participant's Account nor any Stock Purchase Rights or rights with
      respect to the exercise of Stock Purchase Rights or right to receive
      Shares under this Plan may be sold, pledged, assigned, hypothecated,
      transferred or disposed of in any manner (other than by will, the laws of
      descent or distribution, or as provided in Section 13) by the Participant.
      Any such attempt at anticipation, alienation, encumbrance, assignment,
      transfer, pledge or other disposition shall be without effect, and all
      amounts shall be paid and all Shares shall be delivered in accordance with
      the provisions of this Plan. Amounts payable or Shares deliverable
      pursuant to this Plan shall be paid or delivered only to the Participant
      or, in the event of the Participant's death, to the Participant's
      beneficiary pursuant to Section 13.

            (b) If determined by the Committee to be appropriate, the Company
      shall cause the legends set forth below, or legends substantially
      equivalent thereto, to be placed upon any certificate(s) evidencing
      ownership of the Shares, together with any other legends that may be
      required by applicable state or federal laws or are otherwise deemed
      appropriate by the Committee:

            THE SECURITIES REPRESENTED HEREBY HAVE NOT BEEN REGISTERED UNDER THE
            SECURITIES ACT OF 1933, AS AMENDED (THE "ACT") AND MAY NOT BE
            OFFERED, SOLD OR OTHERWISE TRANSFERRED, PLEDGED OR HYPOTHECATED
            UNLESS AND UNTIL REGISTERED UNDER THE ACT OR, IN THE

                                      -7-
<PAGE>
            OPINION OF COUNSEL SATISFACTORY TO THE ISSUER OF THESE SECURITIES,
            SUCH OFFER, SALE, TRANSFER, PLEDGE OR HYPOTHECATION IS IN COMPLIANCE
            THEREWITH.

            (c) In order to ensure compliance with the restrictions referred to
      herein, the Company may issue appropriate "stop transfer" instructions to
      its transfer agent, if any, and if the Company transfers its own
      securities, the Company may make appropriate notations to the same effect
      in its own records. Neither the Company nor its transfer agent, if any,
      shall be required to transfer on its books any Shares that have been sold
      or otherwise transferred in violation of any of the provisions of this
      Plan or to treat as owner of such Shares or to accord the right to vote or
      pay dividends to any purchaser or other transferee to whom such Shares
      shall have been so transferred.

      15. CONDITIONS UPON ISSUANCE OF SHARES.

            (a) Shares shall not be issued pursuant to the exercise of a Stock
      Purchase Right unless the exercise of such Stock Purchase Right and the
      issuance and delivery of such Shares complies with all applicable
      provisions of law, domestic or foreign, including, without limitation, the
      Securities Act, the Exchange Act, any applicable state securities laws,
      the rules and regulations promulgated thereunder, and the requirements of
      any stock exchange upon which the Shares may then be listed and shall be
      further subject to the approval of counsel for the Company with respect to
      such compliance.

            (b) As a condition precedent to the exercise of any Stock Purchase
      Right, the Company may require any person exercising such Stock Purchase
      Right to represent and warrant at the time of any such exercise that the
      Shares subject thereto are being acquired only for investment and without
      any present intention to sell or distribute such Shares if, in the opinion
      of counsel for the Company, such a representation is required.

      16. USE OF FUNDS; INTEREST. All Contributions received or held by the
Company under this Plan will be included in the general assets of the Company
and may be used for any corporate purpose. No interest will be paid to any
Participant or credited to his or her Account under this Plan.

      17. ADJUSTMENTS OF AND CHANGES IN THE SHARES. In the event that the Shares
shall be changed into or exchanged for a different number or kind of shares of
stock or other securities of the Company or of another corporation (whether by
reason of merger, consolidation, recapitalization, stock split, combination of
shares, or otherwise), or if the number of Shares shall be increased through a
stock split or the payment of a stock dividend, then there shall be substituted
for or added to each Share theretofore reserved for sale under this Plan, the
number and kind of shares of stock or other securities into which each
outstanding Share shall be so changed, or for which each such Share shall be
exchanged, or to which each such Share is entitled, as the case may be, or the
number or kind of securities which may be sold under this Plan and the purchase
price per Share shall be appropriately adjusted consistent with such change in
such manner as the Committee (or its delegate) may deem equitable to prevent
substantial dilution or enlargement of rights granted to, or available for,
Eligible Employees under this Plan.

      18. PLAN CONSTRUCTION.

            (a) It is the intent of the Company that transactions in and
      affecting Stock Purchase Rights in the case of Participants who are or may
      be subject to the prohibitions of Section 16 of the Exchange Act satisfy
      any then applicable requirements of Rule 16b-3 promulgated under Section
      16 of the Exchange Act so that such persons (unless they otherwise agree)
      will be entitled

                                      -8-
<PAGE>
      to the exemptive relief of Rule 16b-3 of the Exchange Act in respect of
      those transactions and will not be subject to avoidable liability
      thereunder. Accordingly, this Plan shall be deemed to contain and the
      Shares issued upon exercise thereof shall be subject to, such additional
      conditions and restrictions as may be required by Rule 16b-3 of the
      Exchange Act to qualify for the maximum exemption from Section 16 of the
      Exchange Act with respect to Plan transactions.

            (b) This Plan and Stock Purchase Rights issuable hereunder are
      intended to qualify under Section 423 of the Code.

            (c) If any provision of this Plan or of any Stock Purchase Right
      would otherwise frustrate or conflict with the intents expressed above,
      that provision to the extent possible shall be interpreted so as to avoid
      such conflict. If the conflict remains irreconcilable, the Committee may
      disregard the provision if it concludes that to do so furthers the
      interest of the Company and is consistent with the purposes of this Plan
      as to such persons in the circumstances.

      19. EMPLOYEES' RIGHTS. Nothing in this Plan (or in any agreement related
to this Plan) shall confer upon any Eligible Employee or Participant any right
to continue in the service or employ of the Company or constitute any contract
or agreement of service or employment, or interfere in any way with the right of
the Company to reduce such person's compensation or other benefits or to
terminate the services or employment or such Eligible Employee or Participant,
with or without cause, but nothing contained in this Plan or any document
related hereto shall affect any other contractual right of any Eligible Employee
or Participant.

      20. RIGHTS AS A STOCKHOLDER. No Participant shall have any rights as a
stockholder until a certificate for Shares has been issued in the Participant's
name following exercise of his or her Stock Purchase Right. The Company shall
issue (or cause to be issued) such Shares promptly after the Stock Purchase
Right is exercised. No adjustment will be made for dividends or other rights as
a stockholder for which a record date is prior to the issuance of such Share
certificate. Nothing in this Plan shall be deemed to create any fiduciary
relationship between the Company and any Participant.

      21. RESERVATION OF SHARES. The Company, during the term of this Plan,
shall at all times reserve and keep available such number of Shares as shall be
sufficient to satisfy the requirements of the Plan.

      22. EFFECTIVENESS; AMENDMENT; TERMINATION OF PLAN.

            (a) The Plan shall be effective as of the Effective Date, and shall
      continue in effect for a term of ten (10) years unless sooner terminated
      pursuant to this Section 22. No new Offering Periods shall commence on or
      after the tenth anniversary of the Effective Date.

            (b) The Board of Directors may amend, modify or terminate this Plan
      at any time without notice. Stockholder approval for any amendment or
      modification shall not be required, except to the extent required by
      Section 423 of the Code or other applicable law, or otherwise deemed
      necessary or advisable by the Board of Directors. No amendment,
      modification, or termination pursuant to this Section 22(b) shall, without
      written consent of the Participant, affect in any manner materially
      adverse to the Participant any rights or benefits of such Participant or
      obligations of the Company under any Stock Purchase Right granted under
      this Plan prior to the effective date of such change. Changes contemplated
      by Section 17 shall not be deemed to constitute changes or amendments
      requiring Participant consent. Notwithstanding the foregoing, the
      Committee shall have the right to designate from time to time the
      Affiliates whose employees may be eligible to participate in this Plan and
      such designation shall not constitute any

                                      -9-
<PAGE>
      amendment to this Plan requiring stockholder approval. Termination of the
      Plan shall not affect the Committee's ability to exercise the powers
      granted to it hereunder with respect to Stock Purchase Rights granted
      under the Plan prior to the date of such termination.

      23. NOTICES. All notices or other communications by a Participant to the
Company contemplated by this Plan shall be deemed to have been duly given when
received in the form and manner specified by the Committee (or its delegate) at
the location, or by the person, designated by the Committee (or its delegate)
for that purpose.

      24. MISCELLANEOUS.

            (a) This Plan and related documents shall be governed by, and
      construed in accordance with, the laws of the State of Delaware. If any
      provision shall be held by a court of competent jurisdiction to be invalid
      and unenforceable, the remaining provisions of this Plan shall continue to
      be fully effective.

            (b) Captions and headings are given to the sections of this Plan
      solely as a convenience to facilitate reference. Such captions and
      headings shall not be deemed in any way material or relevant to the
      construction of interpretation of this Plan or any provision hereof.

            (c) The adoption of this Plan shall not affect any other
      compensation or incentive plans in effect for the Company. Nothing in this
      Plan shall be construed to limit the right of the Company: (i) to
      establish any other forms of incentives or compensation for employees of
      the Company, or (ii) to grant or assume options (outside the scope of and
      in addition to those contemplated by this Plan) in connection with any
      proper corporate purpose.

            (d) The Company shall provide to each Participant in the Plan, not
      less frequently than annually during the period such Participant has Stock
      Purchase Rights outstanding and during any period such individual owns
      Shares of Common Stock, copies of annual financial statements. The Company
      shall not be required to provide such statements to key employees whose
      duties in connection with the Company assure their access to equivalent
      information.

                                      -10-

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