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                                                                     EXHIBIT 4.1

                             AMENDED AND RESTATED

                         INFORMATION-HIGHWAY.COM, INC.

                               STOCK OPTION PLAN

     1.  Purpose.  The purpose of this Plan is to provide additional incentives
to key employees, officers, directors and consultants of Information-
Highway.com, Inc., and any of its Subsidiaries, thereby helping to attract and
retain the best available personnel for positions of responsibility with those
corporations and otherwise promoting the success of the business activities of
such corporations. It is intended that Options issued under this Plan constitute
either "incentive stock options" within the meaning of Section 422 of the Code
or nonqualified stock options.

     2.  Definitions.  As used herein, the following definitions apply:

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

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

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

          (d) "Common Stock" means the Employer's common stock.

          (e)  "Committee" means the Board or the Committee appointed by the
     Board in accordance with Section 4(a).

          (f)  "Continuous Status as an Employee" means the absence of any
     interruption or termination of service as an Employee; Continuous Status as
     an Employee will not be considered interrupted in the case of sick leave,
     military leave, or any other approved leave of absence.

          (g)  "Employee" means any person employed by or serving as an
     employee, consultant, officer or director of the Employer or any Subsidiary
     of the Employer which is hereafter organized or acquired by the Employer.

          (h)  "Employer" means Information-Highway.com, Inc., a Florida
     corporation.

          (i)  "Nonemployee Director" has the meaning set forth in Rule 16b-3
     under the 1934 Act.

          (j)  "Option" means a stock option granted under the Plan, which may
     constitute either Incentive Stock Options (as provided for under Section
     422 of the Code), or Nonqualified Stock Options.

          (k)  "Optioned Stock" means the Common Stock subject to an Option.

          (l)  "Optionee" means an Employee who receives an Option.

          (m)  "Plan" means this Employee Stock Option Plan, as amended from
     time to time.

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          (n)  "Shareholder-Employee" means an Employee who owns stock
     representing more than ten percent (10%) of the total combined voting power
     of all classes of stock of the Employer or of any Subsidiary; for this
     purpose, the attribution of stock ownership rules provided in Section 424
     of the Code apply.

          (o)  "Subsidiary" means any bank or other corporation of which not
     less than fifty percent (50%) of the voting shares are held by the Employer
     or a Subsidiary, whether or not such corporation now exists or is hereafter
     organized or acquired by the Employer or a Subsidiary.

     3.  Stock Subject to Options.

          (a)  Number of Shares Reserved.  The maximum number of shares which
     may be optioned and sold under the Plan is three million (3,000,000) shares
     of Common Stock of the Employer, subject to adjustment as provided in
     Section 6(i). During the term of this Plan, the Employer will at all times
     reserve and keep available a sufficient number of shares of its Common
     Stock to satisfy the requirements of the Plan.

          (b)  Expired Options.  If any outstanding Option expires or becomes
     unexercisable for any reason without having been exercised in full, the
     shares of Common Stock allocable to the unexercised portion of such Option
     will again become available for other Option grants.

     4.  Administration of the Plan.

          (a)  The Committee.  The Plan is administered by the Board directly,
     acting as a Committee of the whole, or if the Board elects, by a separate
     Committee appointed by the Board for that purpose and consisting solely of
     two or more Nonemployee Directors. All references in the Plan to the
     "Committee" are to such separate Committee, if any is established, or if
     none is then in existence, then to the Board as a whole. Once appointed,
     any such Committee must continue to serve until otherwise directed by the
     Board. From time to time the Board may increase the size of the Committee
     and appoint additional members thereto, remove members (with or without
     cause), appoint new members in substitution therefor, and fill vacancies
     (however caused). At all times, the Board has the power to remove all
     members of the Committee and thereafter to directly administer the Plan as
     a Committee of the whole.

          (b)  Meetings; Reports.  The Committee shall select one of its members
     as chairman, and hold meetings at such times and places as the chairman or
     a majority of the Committee may determine. All actions of the Committee
     must be either by (i) a majority vote of the members of the full Committee
     at a meeting of the Committee, or (ii) by unanimous written consent of all
     members of the full Committee without a meeting. At least annually, the
     Committee must present a written report to the Board indicating the
     Employees to whom Options have been granted since the date of the last such
     report, and in each case the date or dates of Options granted, the number
     of shares optioned, and the Option price per share.

          (c)  Powers of the Committee.  Subject to all provisions and
     limitations of the Plan, the Committee has the authority and discretion to:

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     (1)  Determine the Employees to whom Options are to be granted, the times
     of grant, and the number of shares to be represented by each Option,
     subject to the provisions of Section 6(b) in the case of Incentive Stock
     Options;

     (2)  Determine the Option price for the shares of Common Stock to be issued
     pursuant to each Option, subject to the provisions of Section 6(b) in the
     case of Incentive Stock Options;

     (3)  Determine all other terms and conditions of each Option granted under
     the Plan (including specifying the dates upon which Options become
     exercisable and whether and to whom Options are transferable), which need
     not be identical;

     (4)  Modify or amend the terms of any Option previously granted, or to
     grant substitute Options, subject to the provisions of Sections 6(l) and
     6(m);

     (5)  Interpret the Plan;

     (6)  Authorize any person or persons to execute and deliver Option
     agreements or to take any other actions deemed by the Committee to be
     necessary or appropriate to effectuate the grant of Options by the
     Committee; and

     (7)  Make all other determinations and take all other actions which the
     Committee deems necessary or appropriate to administer the Plan in
     accordance with its terms and conditions.

          (d)  Final Authority; Limitation of Liability.  The Committee's
     decisions, determinations and interpretations are final and binding on all
     persons, including all Optionees and any other holders or persons
     interested in any Options, unless otherwise expressly determined by a vote
     of the majority of the entire Board. No member of the Committee or of the
     Board may be held liable for any action or determination made in good faith
     with respect to the Plan or any Option.

     5.  Eligibility; Limitation of Rights.  Options may be granted only to
Employees whom the Committee, in its discretion, determines to be key Employees.
The grant of Options under the Plan is entirely discretionary with the
Committee, and the adoption of the Plan does not confer upon any Employee any
right to receive any Option or Options unless and until granted by the
Committee, in its sole discretion. Neither the adoption of the Plan nor the
grant of any Options to any Employee or Optionee will confer any right to
continued employment, nor shall the same interfere in any way with the
Employee's right or that of the Employer (or any Subsidiary) to terminate the
Employee's employment at any time.

     6.  Option Terms; Conditions.  All Option grants under the Plan must be (i)
approved in advance by the Committee; and (ii) documented in written Option
agreements in such form as the Committee approves from time to time. All Option
agreements must comply with, and are subject to the following terms and
conditions:

     (a)  Number of Shares; Annual Limitation. Each Option agreement must state
     whether the Option is an Incentive Stock Option or a Nonqualified Stock
     Option, and the number of shares subject to Option. Any number of Options
     may be granted to a single eligible Employee at any time and from time to
     time, except that, in the case of Incentive Stock Options, the aggregate
     fair market value (determined as of the time each Option is granted) of all
     shares of Common Stock with respect to which Incentive Stock Options

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     become exercisable for the first time by such Employee in any one calendar
     year (under all incentive stock option plans of the Employer and all of its
     Subsidiaries taken together) may not exceed one hundred thousand dollars
     ($100,000).

     (b)  Option Price.  The Option price for the shares of Common Stock to be
     issued under the Option will be the price determined by the Committee,
     except that, in the case of Incentive Stock Options, the price may not be
     less than the fair market value of the Common Stock on the date of grant of
     the Incentive Stock Option. In the case of an Incentive Stock Option
     granted to an Employee who, immediately before the grant of such Incentive
     Stock Option, is a Shareholder-Employee, the Incentive Stock Option price
     must be at least one hundred and ten percent (110%) of the fair market
     value of the Common Stock on the date of grant of the Incentive Stock
     Option. Fair market value is determined by the Committee in its discretion;
     provided, however, that in the event that there is a public market for the
     Common Stock, the fair market value is, if available, (i) the closing price
     of the Common Stock as of the date of grant as reported (in descending
     order of priority) on (A) a national securities exchange listing the Common
     Stock, (B) the Nasdaq Stock Market, (C) a national automated quotation
     system with daily trading volume in the Common Stock in excess of 10,000
     shares, or (D) a regional securities exchange listing the Common Stock, and
     otherwise (ii) the average of the closing bid and asked prices of the
     Common Stock for the previous five trading days.

     (c)  Consideration; Manner of Exercise.  The Option price is payable either
     (i) in U.S. dollars upon exercise of the Option, or (ii) if approved by the
     Board, other consideration including without limitation Common Stock of the
     Employer, services, or other property. An Option is deemed to be exercised
     when written notice of exercise has been given to the Employer in
     accordance with the terms of the Option by the person entitled to exercise
     the Option, together with full payment for the shares of Common Stock
     subject to said notice.

     (d)  Term of Option.  Under no circumstances may an Option granted under
     the Plan be exercisable after the expiration of ten (10) years from the
     date such Option is granted. Further, the term of an Incentive Stock Option
     granted to an Employee who, immediately before such Incentive Stock Option
     is granted, is a Shareholder-Employee may not exceed five (5) years from
     the date of grant of such Option. Subject to the foregoing and other
     applicable provisions of the Plan including but not limited to Section
     6(e), the term of each Option must be determined by the Committee in its
     discretion.

     (e)  Date of Grant; Holding Period.  The grant date of an Option, for all
     purposes, is the date the Committee makes the determination granting the
     Option, as set forth in the Option agreement. Shares of Common Stock
     obtained upon the exercise of any Option may not be sold by any Optionee
     that is subject to Section 16 of the 1934 Act until six (6) months have
     elapsed since the date of the Option grant.

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     (f)  Death of Optionee.  In the event of the death of an Optionee who at
     the time of his death was an Employee and who had been in Continuous Status
     as an Employee since the date of grant of the Option, the Option terminates
     on the earlier of (i) six (6) months after the date of death of the
     Optionee, or (ii) the expiration date otherwise provided in the Option
     agreement (except that if the expiration date of a Nonqualified Stock
     Option should occur during the 90-day period immediately following the
     Optionee's death, such Option terminates at the end of such 90-day period).
     Under these circumstances, the Option will be exercisable at any time prior
     to such termination by the Optionee's estate, or by such person or persons
     who have acquired the right to exercise the Option by bequest or by
     inheritance or by reason of the death of the Optionee.

     (g)  Disability of Optionee.  If an Optionee's status as an Employee is
     terminated at any time during the Option period by reason of a disability
     (within the meaning of Section 22(e)(3) of the Code) and if the Optionee
     had been in Continuous Status as an Employee at all times between the date
     of grant of the Option and the termination of his status as an Employee,
     the Option terminates on the earlier of (i) one (1) year after the date of
     termination of his status as an Employee, or (ii) the expiration date
     otherwise provided in the Option agreement.

     (h)  Termination of Status as an Employee.  If an Optionee's status as an
     Employee is terminated at any time after the grant of an Option by the
     Optionee for any reason other than death or disability, as provided in
     Sections 6(f) and 6(g), and not by the Company, as provided below, the
     Option terminates on the earlier of (i) thirty (30) days following
     termination of status as an Employee, or (ii) the expiration date otherwise
     provided in the Option agreement. If an Optionee's status as an Employee is
     terminated at any time after the grant of an Option by the Company for any
     reason, then the Option terminates on the date of termination of status as
     an Employee.

     (i)  Nontransferability of Options.  No Option granted under the Plan may
     be sold, pledged, assigned, hypothecated, transferred, or disposed of in
     any manner other than by will or by the laws of descent or distribution and
     may be exercised, during the lifetime of the Optionee, only by the
     Optionee.

     (j)  Adjustments Upon Changes in Capitalization.  Subject to any required
     action by the shareholders of the Employer, the number of shares of Common
     Stock covered by each outstanding Option, the number of shares of Common
     Stock available for grant of additional Options, and the price per share of
     Common Stock specified in each outstanding Option, must be proportionately
     adjusted for any increase or decrease in the number of issued shares of
     Common Stock resulting from any stock split or other subdivision or
     consolidation of shares, the payment of any stock dividend (but only on the
     Common Stock) or any other increase or decrease in the number of such
     shares of Common Stock effected without receipt of consideration by the
     Employer; provided, however, that conversion of any convertible securities
     of the Employer will not be deemed to have been "effected without receipt
     of consideration."

     Any adjustments as a result of a change in the Employer's capitalization
will be made by the Committee, whose determination in that respect is final,
binding and conclusive, subject to the condition that no Incentive Stock Option
may be adjusted by the Committee under this Section 6(j) in a manner that causes
the Option to fail to continue to qualify

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as such within the meaning of Section 422 of the Code. Except as otherwise
expressly provided in this Section 6(j), no Optionee shall have any rights by
reason of any stock split or the payment of any stock dividend or any other
increase or decrease in the number of shares of Common Stock. Except as
otherwise expressly provided in this Section 6(j), any issue by the Employer of
shares of stock of any class, or securities convertible into shares of stock of
any class, shall not affect the number of shares or price of Common Stock
subject to any Options, and no adjustments in Options shall be made by reason
thereof. The grant of an Option under the Plan does not in any way affect the
right or power of the Employer to make adjustments, reclassifications,
reorganizations or changes of its capital or business structure.

     (k)  Conditions Upon Issuance of Shares.  Shares of Common Stock may not be
     issued with respect to an Option granted under the Plan unless the exercise
     of the Option and the issuance and delivery of such shares pursuant thereto
     complies with all applicable provisions of law, including, applicable
     federal and state securities laws.

     As a condition to the exercise of an Option, the Employer may require the
person exercising such Option to represent and warrant at the time of exercise
that the shares of Common Stock are being purchased only for investment and
without any present intention to sell or distribute such Common Stock if, in the
opinion of counsel for the Employer, such a representation is required by any
relevant provisions of law.

     (l)  Merger, Sale of Assets, Etc.  In the event of the merger or
     reorganization of the Employer with or into any other corporation, or in
     the event of a proposed sale of substantially all of the assets of the
     Employer, or in the event of a proposed dissolution or liquidation of the
     Employer (collectively, "sale transaction"): (i) all outstanding Options
     that are not then fully exercisable becomes exercisable immediately before
     the date of closing of any sale transaction or such earlier date as the
     Committee may fix; and (ii) the Committee may, in the exercise of its sole
     discretion, terminate all outstanding Options as of a date fixed by the
     Committee. In the event of such termination, however, the Committee must
     notify each Optionee of such action in writing not less than sixty (60)
     days prior to the termination date fixed by the Committee, and each
     Optionee has the right to exercise his Option prior to said termination
     date.

     (m)  Substitute Stock Options.  In connection with the acquisition or
     proposed acquisition by the Employer or any Subsidiary, whether by merger,
     acquisition of stock or assets, or other reorganization transaction, of a
     business any employees of which have been granted incentive stock options,
     the Committee is authorized to issue, in substitution of any such
     unexercised stock option, a new Option under this Plan which confers upon
     the Optionee substantially the same benefits as the old option; provided,
     however, that the issuance of any new Option for an old incentive stock
     option must satisfy the requirements of Section 424(a) of the Code. As
     amended, this Plan implements an agreement between Information Highway,
     Inc., a Washington corporation which became a Subsidiary of the Employer in
     February 1999 and had previously been the Employer hereunder, and the
     Employer that the Employer assume the responsibility to issue shares of its
     Common Stock in respect to all Options previously granted by Information
     Highway, Inc.

     (n)  Tax Compliance.  The Employer, in its sole discretion, may take any
     actions that it reasonably believes to be required in order to comply with
     any local, state, or federal tax laws relating to the reporting or
     withholding of taxes attributable to the grant or exercise of any Option or
     the disposition of any shares of Common Stock issued upon exercise of an
     Option, including, but not limited to: (i) withholding from any Optionee
     exercising an Option a number of shares of Common Stock having a fair
     market value equal to the amount required to be withheld by Employer under
     applicable tax laws, and (ii) withholding from

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     any form of compensation or other amount due an Optionee or holder of
     shares of Common Stock issued upon exercise of an Option any amount
     required to be withheld by Employer under applicable tax laws. Withholding
     or reporting is considered required for purposes of this Section 6(n) if
     any tax deduction or other favorable tax treatment available to Employer is
     conditioned upon such reporting or withholding.

     (o)  Other Provisions.  Option agreements executed under the Plan may
     contain such other provisions as the Committee deems advisable, provided
     that: (i) they are not inconsistent with any of the other terms and
     conditions of the Plan or applicable laws, and (ii) in the case of
     Incentive Stock Options, the provisions are not inconsistent with the
     provisions of Section 422 of the Code.

     7.  Term of the Plan.  The Plan is effective on the earlier of (i) the date
of adoption of the Plan by the Board; or (ii) the date of shareholder approval,
as required under Section 9. Unless sooner terminated as provided in Section 8,
the Plan will terminate on the tenth (10th) anniversary of its effective date.
Options may be granted at any time after the effective date and prior to the
date of termination of the Plan.

     8.  Amendment; Early Termination.  The Board may terminate or amend the
Plan at any time and in such respects as it deems advisable, although no
amendment or termination would affect any previously-granted Options, which
would remain in full force and effect notwithstanding any amendment or
termination of the Plan Shareholder approval of any amendments to the Plan must
be obtained whenever required by applicable law(s).

     9.  Shareholder Approval.  Continuance of the Plan is subject to approval
of the Plan by affirmative vote of the holders of a majority of the outstanding
shares of Common Stock of the Employer at a duly convened meeting of the
shareholders of the Employer, which approval must occur within twelve (12)
months before or after the date of adoption of the Plan by the Board.

                                 *   *   *   *

                            CERTIFICATE OF ADOPTION

     I certify that the foregoing plan was adopted by the Board on
_____________________ 1997, and approved by the Employer's shareholders on
____________________, 1997.

                                       ----------------------------
                                       Jennifer Lorette
                                       Secretary
                                       Information Highway, Inc.

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                                  SCHEDULE A

                             Option Grant Schedule

     Name of           No. of Shares                              Date(s) First
     Optionee           Under Option           Date of Grant       Exercisable
- ---------------    ----------------------  -----------------   ---------------

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

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

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

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

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

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

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

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

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

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

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

================================================================================

     The Option awards listed above were approved by the Committee (or the
entire Board, acting as the Plan Administrator) on this ___ day of
_____________________, ________.

_________________________                 ____________________________
(Signature of Member)                     (Signature of Member)

_________________________                 ____________________________
(Signature of Member)                     (Signature of Member)

_________________________                 ____________________________
(Signature of Member)                     (Signature of Member)

                                       8<PAGE>

                                                                     EXHIBIT 4.2

                           INFORMATION HIGHWAY, INC.
                     NON-QUALIFIED STOCK OPTION AGREEMENT

     This Non-Qualified Stock Option Agreement ("Agreement") is entered into by
and between INFORMATION-HIGHWAY.COM, INC. (the "Employer") and
__________________ ("Optionee").

     Pursuant to Employer's Amended and Restated Stock Option Plan (the "Plan"),
Employer hereby grants to Optionee an irrevocable non-qualified stock option to
purchase ________________ shares of common stock of Employer at an option price
of $________ per share, payable in cash on the date of exercise.

     The date of grant of this option is______________________.  This option
shall terminate on the fifth anniversary of the date of grant, unless sooner
terminated by reason of death, disability or other termination of status as an
Employee, as defined in the Plan.

     This option shall become vested and eligible for exercise upon date of
grant after which date this option shall be exercisable in whole or in part at
any time and from time to time until the date of termination of this option.
Exercise must be by actual delivery to Employer of a written notice of exercise
signed by Optionee specifying the number of shares and accompanied by payment of
the full amount of the option exercise price.

     The sale of common stock acquired on exercise of a stock option is limited
by the following schedule:

     1.  Up to 25% of the shares acquired may be sold within 90 days of
         exercise;

     2.  Up to 50% (on an aggregate basis) of the shares acquired may be sold
         within 180 days of exercise;

     3.  Up to 75% (on an aggregate basis) of the shares acquired may be sold
         within 270 days of exercise; and

     4.  All such shares may be sold 360 days after exercise.

     All of the terms and conditions of the Plan are hereby incorporated by this
reference as a part of this Agreement as if said terms and conditions had been
included herein.

     EXECUTED as of this ______ day of _____________, 200__.

OPTIONEE:                               EMPLOYER:
                                        INFORMATION HIGHWAY, INC.,
                                        a Washington corporation

                                        By:
-----------------------------------    -----------------------------------
                                        John G. Robertson, President

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