Document:

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                            SELECTQUOTE, INC.

                    1999 EMPLOYEE STOCK PURCHASE PLAN

         SelectQuote, Inc., a Delaware corporation (the "Company"), hereby
establishes this 1999 Employee Stock Purchase Plan (the "Plan").

         1. PURPOSE OF PLAN. The purpose of the Plan is to enable Eligible
Employees (as defined in Section 3) who wish to become shareholders of the
Company a convenient and favorable method of doing so. The Plan is intended
to constitute an "employee stock purchase plan," as defined in Section 423(b)
of the Internal Revenue Code of 1986, as amended (the "Code"), and shall be
interpreted and administered to further that intent.

         2. ADMINISTRATION OF THE PLAN. The Plan will be administered by the
Compensation Committee (the "Committee") of the Board of Directors of the
Company (the "Board"). Subject to the provisions of the Plan, the Committee
will have the complete authority to interpret the Plan, to adopt, amend and
rescind rules and procedures relating to the Plan, and to make all of the
determinations necessary or advisable for the administration of the Plan. All
such interpretations, rules, procedures and determinations will, in the
absence of fraud or patent mistake, be conclusive and binding on all persons
with any interest in the Plan.

         3. ELIGIBLE EMPLOYEES. The term "Eligible Employees" means all
common law employees of the Company and each other corporation designated by
the Committee that hereafter becomes a majority-owned subsidiary of the
Company as of the beginning of each Offering Period (as defined in Section
5), except the following: (a) employees who have been continuously employed
for less than five days prior to the commencement of the Offering Period (as
defined in Section 5); (b) employees whose customary employment is 20 hours
or less per week; and (c) employees whose customary employment is for not
more than five months in any calendar year. The employment of an employee
shall be treated as continuing intact while the employee is on sick leave or
other leave of absence approved by the Company. Except as otherwise expressly
provided in the Plan and permitted by Section 423 of the Code, all Eligible
Employees shall have the same rights and obligations under the Plan.

         4. STOCK SUBJECT TO THE PLAN. The stock subject to the Plan shall be
shares of the Company's authorized but unissued Common Stock (the "Common
Stock"). The aggregate number of shares of Common Stock that may be purchased
by Eligible Employees pursuant to the Plan is 1,000,000, subject to
adjustment as provided in Section 13.

         5. OFFERING PERIODS. The Common Stock shall be offered under the
Plan during consecutive offering periods (the "Offering Periods"). The first
Offering Period shall begin upon the issuance and sale shares of Common Stock
in a public offering on an underwritten firm commitment basis pursuant to a
registration statement filed with and declared effective by the Securities
and Exchange Commission, pursuant to the Securities Act of 1933, as amended,
and end on December 31, 2000 (the "Initial Offering Period").
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All subsequent Offering Periods will begin on the first day and end on the
last day of each subsequent six-month period spanning January 1 to June 30
and July 1 to December 31 until the Plan termination date, as provided in
Section 16.1.

         6. PARTICIPANTS; PAYROLL DEDUCTIONS

                  6.1 A person who is an Eligible Employee at the beginning
of an Offering Period may elect to have the Company make deductions from the
person's Compensation (as defined in Section 6.4), at a specified percentage
rate, to be used to purchase shares of Common Stock pursuant to the Plan
during each purchase period ("Purchase Period), which shall be coterminous
with the Initial Offering Period or the Offering Period as the case may be.
This election must be made prior to the beginning of the Offering Period in
accordance with such procedures as the Committee may adopt (each Eligible
Employee who so elects to have such deductions made will be referred to as a
"Participant").

                  6.2 The maximum rate of deduction that a Participant may
elect for any Offering Period is 10%. An amount equal to the elected
percentage shall be deducted from the Participant's pay each time during the
Purchase Period that any Compensation is paid to the Participant. The
Committee may set such minimum level of payroll deductions as the Committee
determines to be appropriate. Any minimum level of deductions set by the
Committee shall apply equally to all Eligible Employees. A Participant's
accumulated payroll deductions shall remain the property of the Participant
until applied toward the purchase of shares of Common Stock under the Plan,
but may be commingled with the general funds of the Company. No interest will
be paid on payroll deductions accumulated under the Plan.

                  6.3 A Participant in the Plan on the last day of a Purchase
Period shall automatically continue to participate in the Plan during the
next Purchase Period unless he or she withdraws in the manner described in
Section 11 or is no longer an Eligible Employee.

                  6.4 The term "Compensation" means all base salary, straight
time wages and commissions paid to or on behalf of a Participant for services
performed or on account of holidays, vacation, sick leave or other similar
events (including any amounts by which such earnings are reduced, at the
election of a Participant, pursuant to a cafeteria plan described in Section
125 of the Code, a dependent care assistance program described in Section 129
of the Code, a cash or deferred arrangement described in Section 401(k) of
the Code, or any similar plan, program or arrangement), and excluding any
overtime, shift premium, bonuses and other incentive compensation, the value
of any noncash benefits under any employee benefit plans, and any other
amounts paid to the Participant that are specifically excluded by the
Committee.

         7. PURCHASE OF SHARES

                  7.1 At the end of the Purchase Period, a Participant's
accumulated payroll deductions for the Purchase Period will, subject to the
limitations in Section 9 and the

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withdrawal provisions of Section 11, be applied toward the purchase of shares
of Common Stock at a purchase price (the "Purchase Price") equal to the
lesser of:

                         (a) 85% of the Market Price (as defined in Section
8.1) of the Common Stock on the first Business Day (as defined in Section
8.2) of the Offering Period; or

                         (b) 85% of the Market Price of the Common Stock on
the last Business Day of the Purchase Period,

in either event rounded to the nearest whole cent.

                  7.2 Shares of Common Stock may be purchased under the Plan
only with a Participant's accumulated payroll deductions. Fractional shares
cannot be purchased. Any portion of a Participant's accumulated payroll
deductions for an Offering Period not used for the purchase of Common Stock
shall be applied to the purchase of Common Stock in the next Purchase Period,
if the Participant is participating in the Plan during that Purchase Period,
or returned to the Participant.

                  7.3 Each Participant who purchases shares of Common Stock
under the Plan shall thereby be deemed to have agreed that the Company or the
subsidiary of the Company that employs the Participant shall be entitled to
withhold, from any other amounts that may be payable to the Participant at or
around the time of the purchase, such federal, state, local and foreign
income, employment and other taxes which may be required to be withheld under
applicable laws. In lieu of such withholding, the Company or such subsidiary
may require the Participant to remit such taxes to the Company or such
subsidiary as a condition of the purchase.

         8. MARKET PRICE

                  8.1 For purposes of the Plan, the term "Market Price" on
any day means, if the Common Stock is publicly traded, the last sales price
(or, if no last sales price is reported, the average of the high bid and low
asked prices) for a share of Common Stock on that day as reported by the
principal exchange on which the Common Stock is listed, or, if the Common
Stock is publicly traded but not listed on an exchange, as reported by The
Nasdaq Stock Market, or, if such prices or quotations are not reported by The
Nasdaq Stock Market, as reported by any other available source of prices or
quotations selected by the Committee.

                  8.2 For purposes of the Plan, the term "Business Day" means
a day on which prices or quotations for the Common Stock are reported by a
national securities exchange, The Nasdaq Stock Market, or any other available
source of prices or quotations selected by the Committee, whichever is
applicable pursuant to the preceding paragraph.

                  8.3 If the Market Price of the Common Stock must be
determined for purposes of the Plan at a time when the Common Stock is not
publicly traded, then the term "Market Price" shall mean the fair market
value of the Common Stock as determined by the Committee, after taking into
consideration all the factors it deems appropriate, including, without
limitation, recent sale and offer prices of the Common Stock in private
transactions negotiated at arm's

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length.

         9. LIMITATIONS ON SHARE PURCHASES

                  9.1 Notwithstanding Section 3, an employee will not be an
Eligible Employee for purposes of the Plan if the employee owns stock
possessing 5% or more of the total combined voting power or value of all
classes of stock of the Company. For purposes of this 5% limitation, an
employee shall be treated as owning any stock the ownership of which is
attributed to him or her under the rules of Section 424(d) of the Code, as
well as any stock that, in the absence of this paragraph, the employee could
purchase under the Plan with his or her payroll deductions held pursuant to
Section 6 but not yet applied to the purchase of shares of Common Stock under
the Plan.

                  9.2 During any calendar year, the maximum value of the
Common Stock that may be purchased by a Participant under the Plan and all
such plans of Company, any Subsidiary of the Company, and any parent
corporation (as defined in Section 424(e) of the Code) is $25,000, said value
to be determined on the basis of the Market Price of the Common Stock on the
first Business Day of each Offering Period that ends in the calendar year.
Notwithstanding any other provision of the Plan to the contrary, the rights
of a Participant to purchase shares of capital stock under the Plan and all
such other plans shall not accrue at a rate which exceeds $25,000 annualized
at any time during the calendar year.

                  9.3 The limitations in Section 9.1 and Section 9.2 are
intended to and shall be interpreted in such a manner as will comply with
Section 423(b)(3) and Section 423(b)(8) of the Code, respectively.

         10. CHANGES IN PAYROLL DEDUCTIONS. The rate of payroll deductions
for an Offering Period may not be increased or decreased by a Participant
during the Purchase Period. However, the Participant may change the rate of
payroll deduction for a subsequent Purchase Period. In addition, a
Participant may withdraw in full from the Plan in the manner described in
Section 11.

         11. WITHDRAWAL FROM THE PLAN

                  11.1 A Participant may elect to withdraw from the Plan,
effective for the Offering Period in progress, by delivering to the Committee
written notice thereof prior to the end of the Offering Period.

                  11.2 If a Participant ceases for any reason (including
death, disability or voluntary or involuntary termination of employment) to
be an employee of the Company or one of its subsidiaries, the Participant
will be deemed to have elected to withdraw from the Plan for the Offering
Period and Purchase Period in progress when the Participant's employment
ceases.

                  11.3 If a Participant's payroll deductions are interrupted
by any legal process, the Participant will be deemed to have elected to
withdraw from the Plan for the Purchase Period in progress when the
interruption occurs.

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                  11.4 If a Participant elects or is deemed to have elected
to withdraw for a Purchase Period in progress, all of the Participant's
payroll deductions for that Purchase Period, will be promptly returned to the
Participant.

                  11.5 A Participant may elect to withdraw from the Plan,
effective for a Purchase Period that has not yet commenced, by delivering to
the Committee written notice thereof prior to the first day of the Purchase
Period.

                  11.6 Following withdrawal from the Plan, in order to
participate in the Plan for any subsequent Offering Period, the Participant
must again elect to participate in the manner described in Section 6.1.

         12. ISSUANCE OF COMMON STOCK

                  12.1 Certificates for the shares of Common Stock purchased
by Participants will be delivered by the Company's transfer agent as soon as
practicable after each Purchase Period. In lieu of issuing certificates for
such shares directly to Participants, the Company shall be entitled to issue
such shares to a bank, broker-dealer or similar custodian (the "Custodian")
that has agreed to hold such shares for the accounts of the respective
Participants. Fees and expenses of the Custodian shall be paid by the Company
or allocated among the respective Participants in such manner as the
Committee determines.

                  12.2 A Participant may direct, in accordance with such
procedures as the Committee may adopt, that shares purchased by the
Participant shall be issued (or, if such shares are issued to the Custodian,
that the account for such shares be held) in the names of the Participant and
one other person designated by the Participant, as joint tenants with right
of survivorship, tenants in common, or community property, to the extent and
in the manner permitted by applicable law.

                  12.3 A Participant may at any time, in the manner described
in Section 17, undertake a disposition (as that term is defined in Section
424(c) of the Code), whether by sale, exchange, gift or other transfer of
legal title, of any or all of the shares held for the Participant by the
Custodian. In the absence of such a disposition of the shares, the shares
shall continue to be held by the Custodian until the holding period set forth
in Section 423(a) of the Code has been satisfied. If a Participant so
requests, shares for which such holding period has been satisfied will be
transferred to another brokerage account specified by the Participant, or a
stock certificate for such shares will be issued and delivered to the
Participant or his or her designee.

         13.      CHANGES IN CAPITALIZATION

                  13.1 Upon the happening of any of the following described
events, a Participant's right to purchase shares of Common Stock under the
Plan shall be adjusted as hereinafter provided:

                         (a) If the shares of Common Stock are subdivided or
combined into a greater or smaller number of shares of Common Stock or if,
upon a recapitalization, split-up or

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other reorganization of the Company, the shares of Common Stock are exchanged
for other securities of the Company, the rights of each Participant shall be
modified so that the Participant is entitled to purchase, in lieu of the
shares of Common Stock that the Participant would otherwise have been
entitled to purchase for the Purchase Period in progress at the time of such
subdivision, combination or exchange (the "Offering Period Shares"), such
number of shares of Common Stock or such number and type of other securities
as the Participant would have received if such Offering Period Shares had
been issued and outstanding at the time of such subdivision, combination or
exchange (unless in the case of an exchange the Committee determines that the
nature of the exchange is such that it is not feasible or advisable that the
rights of Participants be so modified, in which event the exchange shall be
deemed a Terminating Event under Section 14); and

                         (b) If the Company issues any of its shares as a
stock dividend upon or with respect to the Common Stock, each Participant who
purchases shares of Common Stock under the Plan at the end of the Purchase
Period in progress on the record date for the stock dividend shall be
entitled to receive the shares so purchased (the "Purchased Shares") and
shall also be entitled to receive at no additional cost, but only if the
Purchase Price for the Purchased Shares was determined with reference to the
Market Price of the Common Stock on the first Business Day of the Offering
Period, the number of shares of the class of stock issued as a stock
dividend, and the amount of cash in lieu of fractional shares, that the
Participant would have received if he or she had been the holder of the
Purchased Shares on the record date for the stock dividend.

                  13.2 Upon the happening of an event specified in clause (a)
or (b) above, the class and aggregate number of shares available under the
Plan, as set forth in Section 4, shall be appropriately adjusted to reflect
the event. Notwithstanding the foregoing, such adjustments shall be made only
to the extent that the Committee, based on advice of counsel for the Company,
determines that such adjustments will not constitute a change requiring
shareholder approval under Section 423(b)(2) of the Code.

         14. TERMINATING EVENTS

                  14.1 Upon (a) the dissolution or liquidation of the
Company, (b) a merger or other reorganization of the Company with one or more
corporations as a result of which the Company will not be a surviving
corporation, (c) the sale of all or substantially all of the assets of the
Company or a material division of the Company, (d) a sale or other transfer,
pursuant to a tender offer or otherwise, of more than fifty percent (50%) of
the then outstanding shares of Common Stock of the Company, (e) an
acquisition by the Company resulting in an extraordinary expansion of the
Company's business or the addition of a material new line of business, or (f)
any exchange that is subject to this Section 14 in accordance with the
provisions of Section 13 (any of such events is herein referred to as a
"Terminating Event"), the Committee may but shall not be required to:

                         (a) make provision for the continuation of the
Participants' rights under the Plan on such terms and conditions as the
Committee determines to be appropriate and

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equitable, including where applicable, but not limited to, an arrangement for
the substitution on an equitable basis, for each share of Common Stock that
could otherwise be purchased at the end of the Purchase Period in progress at
the time of the Terminating Event, of any consideration payable with respect
to each then outstanding share of Common Stock in connection with the
Terminating Event; or

                         (b) terminate all rights of Participants under the
Plan for such Purchase Period and:

                              (i) return to the Participants all of their
payroll deductions for such Purchase Period (if shorter); and

                              (ii) for each share of Common Stock, if any,
that otherwise could have been purchased under the Plan by a Participant at
the end of such Purchase Period (if shorter) (determined by assuming that
payroll deductions at the rate elected by the Participant were continued to
the end of the payroll period and used to purchase shares based on the Market
Price of the Common Stock on the first Business Day of the Offering Period)
and with respect to which (A) the Purchase Price at which such share could be
purchased (determined with reference only to the Market Price of the Common
Stock on the first Business Day of the Offering Period) is exceeded by (B)
the Market Price on the date of the Terminating Event of a share of Common
Stock, as determined by the Committee, pay to the Participant an amount equal
to such excess.

                  14.2 The Committee shall make all determinations necessary
or advisable in connection with Terminating Events, and its determinations
shall, in the absent of fraud or patent mistake, be conclusive and binding on
all persons with any interest in the Plan.

         15. NO TRANSFER OR ASSIGNMENT OF EMPLOYEE'S RIGHTS. An Eligible
Employee's rights under the Plan are the Eligible Employee's alone and may
not be voluntarily or involuntarily transferred or assigned to, or availed of
by, any other person other than by will or the laws of descent and
distribution. An Eligible Employee's rights under the Plan are exercisable
during his or her lifetime by the Eligible Employee alone.

         16.      TERMINATION AND AMENDMENT OF PLAN

                  16.1 The Plan shall terminate on June 30, 2004. The Plan
may be terminated at any earlier time by the Board, but, except as provided
in Section 14, such termination shall not affect the rights of Participants
under the Plan for the Offering Period in progress at the time of
termination. The Plan will also terminate in any case when all or
substantially all of the unissued shares of Common Stock reserved for the
purposes of the Plan have been purchased. If at any time shares of Common
Stock reserved for the purpose of the Plan remain available for purchase but
not in sufficient number to satisfy all then unfilled purchase requirements,
the available shares shall be apportioned among Participants in proportion to
the respective amounts of their accumulated payroll deductions, and the Plan
shall terminate. Upon such termination or any other termination of the Plan,
all payroll deductions not used to purchase shares of Common Stock will be
refunded to the Participants entitled thereto.

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                  16.2 The Committee or the Board may from time to time adopt
amendments to the Plan; provided, however, that, without the approval of the
shareholders of the Company, no amendment may increase the number of shares
that may be issued under the Plan or make any other change for which
shareholder approval is required by Section 423 of the Code or the
regulations thereunder.

         17. DISPOSITION OF SHARES. Subject to compliance with any applicable
federal and state securities and other laws and any policy of the Company in
effect from time to time with respect to trading in its shares, a Participant
may effect a disposition (as that term is defined in Section 424(c) of the
Code) of Common Stock purchased under the Plan at any time the Participant
chooses; provided, however, each Participant agrees, by purchasing shares of
Common Stock under the Plan, that (a) the Company shall be entitled to
withhold from any other amounts that may be payable to the Participant by the
Company at or around the time of such disposition such federal, state, local
and foreign income, employment and other taxes as the Company may be required
to withhold under applicable law; and (b) in lieu of such withholding, the
Participant will, upon request of the Company, promptly remit such taxes to
the Company. EACH EMPLOYEE PURCHASING SHARES OF COMMON STOCK UNDER THE PLAN
ASSUMES THE RISK OF ANY MARKET FLUCTUATIONS IN THE PRICE THEREOF.

         18. NO SHAREHOLDER RIGHTS; INFORMATION TO PARTICIPANTS. A
Participant shall not have any rights as a shareholder of the Company (other
than the right potentially to receive stock dividends under Section 13) on
account of shares of Common Stock that may be purchased under the Plan prior
to the time such shares are actually purchased by and issued to the
Participant. Notwithstanding the foregoing, the Company shall deliver to each
Participant under the Plan who does not otherwise receive such materials (a)
a copy of the Company's annual financial statements (which shall be delivered
annually as promptly as practical following each fiscal year of the Company
and review or audit of such statements by the Company's auditors), together
with management's discussion and analysis of financial condition and results
of operations for the fiscal year, and (b) a copy of all reports, proxy
statements and other communications distributed to the Company's security
holders generally.

         19. USE OF PROCEEDS. The proceeds received by the Company from the
sale of shares of Common Stock under the Plan will be used for general
corporate purposes.

         20. GOVERNMENTAL REGULATIONS. The Company's obligation to sell and
deliver shares of the Common Stock under the Plan is subject to the approval
of any governmental authority required in connection with the authorization,
issuance or sale of such shares, including the Securities and Exchange
Commission, the securities administrators of the states in which Participants
reside, and the Internal Revenue Service.

         21. MISCELLANEOUS PROVISIONS

                  21.1 Nothing contained in the Plan shall obligate the
Company or any of its subsidiaries to employ a Participant for any period,
nor shall the Plan interfere in any way with the right of the Company or any
of its subsidiaries to reduce a Participant's compensation.

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                  21.2 The provisions of the Plan shall be binding upon each
Participant and, subject to the provisions of Section 15, the heirs,
successors and assigns of each Participant.

                  21.3 Where the context so requires, references in the Plan
to the singular shall include the plural, and vice versa, and references to a
particular gender shall include either or both genders.

                  21.4 The Plan shall be construed, administered and enforced
in accordance with the laws of the United States, to the extent applicable
thereto, as well as the laws of the State of California.

22.      APPROVAL OF SHAREHOLDERS. The Plan shall be effective September 1,
1999, subject to approval by the shareholders of the Company in a manner that
complies with Section 423(b)(2) of the Code. If such approval does not occur
prior to June 30, 2000, the Plan shall be void and of no effect.

                                   9<PAGE>

                         SOFTWARE DEVELOPMENT AGREEMENT

         This Software Development Agreement (this "AGREEMENT") is entered
into as of April 30, 1997 between Innovative Information Group, Inc. ("IIG"),
with its corporate office at 6481 Oneida Court, Sun Valley, Nevada
89433-6654, and SelectTech, with its principal office at 595 Market Street,
6th Floor, San Francisco, California 94105.

                                    RECITALS

         A. IIG engages in research, development and consulting activities in
the field of software engineering;

         B. SelectTech engages in the development of software products for
the management and transmission of data in the insurance industry; and

         C. SelectTech has ongoing research, development and software
engineering projects for which it would like IIG to provide software
consulting services (the "PROJECTS"; each a "PROJECT"), which are or shall be
described in Exhibit A, as attached hereto and as amended by the parties from
time to time.

                                   AGREEMENT

         The parties agree as follows:

         1. DEFINITIONS. As used herein:

         (a) The term "SOFTWARE" shall mean the results and products (interim
and/or final) of the consulting services performed by IIG, its employees or
representatives, for SelectTech, whether pursuant to this Agreement or
otherwise, whether tangible or intangible, including, without limitation,
each and every invention, discovery, formula, trade secret, software program
(including without limitation, object source code, flow charts, algorithms
and related documentation), listing, routine, manual, specification,
technique, product, concept, know-how, or similar property, whether or not
patentable or copyrightable and whether or not embodied in any products, that
are made, developed, perfected, designed, conceived or first reduced to
practice by IIG, either solely or jointly with others, in the course and
scope of the consulting services performed under this Agreement or otherwise,
including all of the above that has come into being prior to the date of this
Agreement.

         (b) The term "CONFIDENTIAL INFORMATION" shall mean all information
developed by or disclosed or made available to IIG, its employees or
representatives, whether in connection with this Agreement or prior to the
date of this Agreement, which SelectTech protects against unrestricted
disclosure to others and information which is developed by or for IIG
specifically for SelectTech under this Agreement, including all Proprietary
Information.

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         (c) The term "PROPRIETARY INFORMATION" shall refer to any and all
information or material of a confidential, proprietary or secret nature which
is or may be applicable to, or related in any way to: (i) the past, present
or future business of SelectTech or of any corporation in control of
SelectTech (a "PARENT") or any majority-owned subsidiary (a "SUBSIDIARY") of
SelectTech; (ii) the research and development or investigations of SelectTech
or any Parent or any Subsidiary; or (iii) the business of any client,
supplier or customer of SelectTech or of any Parent or Subsidiary.
Proprietary Information shall include, without limitation, trade secrets,
processes, formulas, data, know-how, improvements, inventions and techniques
relating to the Projects and information pertaining to customer lists,
marketing plans and strategies, personnel directories and files and
information concerning customers or vendors of SelectTech or any Parent or
Subsidiary.

         2. ENGAGEMENT AND PERFORMANCE OF SERVICES.

         (a) ENGAGEMENT. SelectTech hereby engages IIG to perform software
engineering consulting services (the "SERVICES") in accordance with the terms
and conditions of this Agreement. This Agreement will govern all services
performed by IIG for SelectTech, whether or not such services are Services as
defined in this Agreement.

         (b) IDENTIFICATION OF PROJECTS AND SERVICES. EXHIBIT A contains a
description of the Projects for which IIG initially may perform Services
under this Agreement. In addition, SelectTech may request specific consulting
services from IIG for individual tasks relative to these projects or for
tasks which are not related to any specific project. SelectTech may also
request that IIG participate in or undertake other Projects. Project work or
specific consulting services will be done by providing IIG with a detailed
project specification and Project/Work Approval Form that has been signed by
an authorized representative of SelectTech. The Project/ Work Approval Forms
and the list of those who are authorized to approve projects are set forth as
Exhibit B (the "PROJECT/WORK APPROVAL FORM"). IIG may accept or decline each
additional Project or assignment at its discretion. Compensation for
additional Projects shall be on the terms set forth in Section 3, unless the
parties agree otherwise.

         (c) PERFORMANCE STANDARDS. IIG shall perform the Services in
accordance with the specifications and project timetables and under the
direction of the SelectTech Project Manager. The SelectTech Project Manger
will be responsible for assigning tasks for each Project and will be the
ultimate evaluator of performance by a contract resource. Performance will be
governed by the terms and conditions set forth in Exhibit C.

         (d) DELIVERY. IIG or its designates will deliver all interim and
final software products, including source code and other related materials
developed under this Agreement (the "SOFTWARE"), by ensuring that all current
and active project sources and materials are available from the Source Code
Repository Site (Star Team) on no less than a weekly basis. When the Source
Code Repository Site (Star Team) is not available, source code may also be
delivered to SelectTech or its designees in a standard medium (disk, Zip
Disk, CD, etc.).

         (e) ACCESS SECURITY. IIG will comply with SelectTech's security
procedures for control and management of source code or proprietary
information and access to SelectTech's installation sites and computer
equipment, as set forth in Exhibit D, but shall not be responsible for any
delays resulting from delays in obtaining access.

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         (f) SUBCONTRACTING. With SelectTech's consent, IIG may subcontract
all or part of the Services to be performed by IIG for SelectTech, provided
that all such subcontractors must agree to and abide by terms and conditions
substantially similar to those contained in this Agreement. Further, IIG
shall require all such subcontractors to agree that all of the work they
perform for IIG shall be owned by SelectTech in accordance with the
provisions of Section 6.

         3. PAYMENT.

         (a) COMPENSATION FOR SERVICES; PAYMENT. IIG will be paid for the
Services on an hourly-rate basis, as specified in Exhibit E and any
Project/Work Approval Form. Hourly and other charges regarding a specific
Project may be changed by agreement of the parties upon 30 days notice. IIG
will submit invoices for Services performed on a monthly basis, within 10
days of the end of each month. SelectTech will pay the amounts invoiced
within 15 days of receipt of the invoice. In no event will SelectTech be
obligated to pay IIG for any Services not specifically identified in Exhibit
A or a Project/Work Approval Form.

         (b) REIMBURSEMENT OF EXPENSES. SelectTech will not be obligated to
pay to IIG the amounts of any expenses incurred in connection with the
Services or otherwise unless such expenses are approved by SelectTech in
advance. IIG shall report such agreed-upon expenses separately on an IIG
invoice to SelectTech.

         (c) PURCHASES OF HARDWARE AND SOFTWARE. SelectTech may request that
IIG purchase specific hardware or software necessary to perform the Services
under this Agreement. The cost of such purchase will be agreed upon in
advance by SelectTech and reported separately on an IIG invoice to
SelectTech. SelectTech will reimburse IIG the agreed-upon cost of any such
purchase.

         4. TERM AND TERMINATION. This Agreement will continue in effect
until terminated by either party in writing; provided that such termination
will be effective on the last day of the sixth full calendar month following
the date on which the terminating party gives the other party written notice
of its intent to terminate this Agreement. If termination is initiated by
IIG, IIG will continue to perform the Services under this Agreement until the
date of the effectiveness of the termination.

         5. WARRANTIES. IIG warrants to SelectTech as follows:

         (a) IIG will provide highly skilled programming staff which is
experienced in programming for the Microsoft Windows operating systems and
major Database Management systems using different programming languages, and
possesses the additional expertise needed to perform the Services. IIG
acknowledges that SelectTech is relying upon the skill and expertise of IIG
for the performance of the Services.

         (b) The Software will be of original development by IIG and will not
infringe upon or violate any patent, copyright, trade secret or other
property right of any third party. Third-party software will not be
incorporated in the Software without SelectTech's prior written consent. If
SelectTech so consents, it shall be SelectTech's responsibility to secure any
necessary licenses for such third-party software.

                                   3

<PAGE>

         (c) IIG will use its best efforts to make such additions,
modifications or adjustments to the Software as may be necessary to correct
in the shortest possible time any problems or defects in the Software or
related documentation discovered by IIG or reported to IIG by SelectTech.
This warranty shall be null and void in the event that SelectTech modifies
any part of the Software without the prior approval of IIG. IIG disclaims any
warranties of merchantability and fitness for a particular purpose.

         6. PROPERTY RIGHTS. All right, title and interest in and to the
Software, and all products derived from the Software, shall at all times be
and remain the sole and exclusive property of SelectTech. The Software and
all products developed by or for IIG for SelectTech or derived therefrom, in
the past or under this Agreement, shall be deemed to be works made for hire.
Any patents, trademarks, copyrights or other intellectual property rights
that may arise in connection with any products developed by or for IIG for
SelectTech or derived therefrom, in the past or under this Agreement, and all
of the Software, shall be in the name of, and, if necessary, will be assigned
by or for IIG and its employees and contractors to, SelectTech. SelectTech
shall own all Proprietary Information related to all of the Projects, and all
Proprietary Information created by or for IIG for or on behalf of SelectTech
prior to the effective date hereof.

         (a) IIG agrees to disclose promptly to SelectTech any and all
Software and Proprietary Information, whether or not patentable and whether
or not reduced to practice, conceived or learned by IIG, its employees,
contractors and other agents, either alone or jointly with others, which
relate in any manner to the past, present or anticipated business, work,
research or investigations of IIG on behalf of SelectTech or any Parent or
Subsidiary.

         (b) IIG further agrees to assist SelectTech in every way (at
SelectTech's expense) to obtain and, from time to time, enforce patents on
and other intellectual property rights in the Software in any and all
countries. To that end, by way of illustration, but not limitation, IIG shall
cause its employees, contractors and other agents to testify in any suit or
other proceeding involving any of the Software, execute all documents which
SelectTech reasonably determines to be necessary or convenient for use in
applying for and obtaining patents thereon and enforcing the same, and
execute all necessary assignments thereof to SelectTech or persons designated
by it. IIG's obligation to assist SelectTech in obtaining and enforcing
patents for the Software in any and all countries shall continue beyond the
termination of this Agreement.

         (c) The parties acknowledge that all Software developed by or for
IIG in connection with each Project is being created at the instance of
SelectTech, and further agree that such Software shall be deemed a work made
for hire under the United States copyright laws and that SelectTech shall
have the unlimited right to supervise and control IIG and to direct IIG as to
all aspects of the creation of such software. SelectTech may alter such
Software, add to it, or combine it with any other work or works, in its sole
discretion. All original materials submitted by IIG to SelectTech as part of
the Software or as part of the process of creating the Software, including,
but not limited to, source code, object code, listings, printouts,
documentation, notes, flow charts and programming aides, shall be the
property of SelectTech, whether or not SelectTech uses such material. No
rights in any of the foregoing are reserved to IIG. In the event that any
such Software is determined by a court of competent jurisdiction not to be a
work made for hire under the United States copyright laws, this Agreement
shall operate as an irrevocable assignment of all original materials produced
by IIG for SelectTech under this Agreement and of all copyrights of every
kind in such materials for the entire duration of the copyrights. No rights
are reserved to IIG under this assignment. The parties agree that this

                                   4

<PAGE>

assignment and any acts of SelectTech undertaken for the purpose of securing,
maintaining, or preserving the copyright in such software pursuant to this
assignment, including recordation of this Agreement with the United States
Copyright Office, are only precautionary and shall not be considered in
determining the character of the software. IIG further agrees to forebear
from asserting all moral rights or comparable rights that IIG may have in
such materials, including without limitation, any right to prevent
modification of the materials, any rights to receive attribution of
authorship, or any right to control the materials.

         (d) IIG agrees to keep and maintain adequate and current records of
all Software and Proprietary Information made, conceived, developed or
perfected relating to the Projects, and that such records shall be available
to, and remain the sole property of, SelectTech at all times.

         7. PROTECTION OF CONFIDENTIAL INFORMATION.

         (a) CONFIDENTIALITY. IIG agrees with respect to any Confidential
Information developed by or disclosed to it hereunder:

                  (i) to use such Confidential Information only for the
purposes contemplated by this Agreement;

                  (ii) to use the same methods and degree of care to prevent
disclosure of such Confidential Information as it uses to prevent disclosure
of its own proprietary and confidential information, including marking all
confidential information in written or tangible form as "Confidential" and
reducing all confidential oral communications to writing and so marking each
such writing; and

                  (iii) to return any Confidential Information in tangible
form to SelectTech at the request of SelectTech and to retain no copies or
reproductions thereof.

         (b) LIMITATIONS. IIG shall not be obligated to treat information as
Confidential Information if such information:

                  (i)      is  or  becomes  public  knowledge  without  the
fault of IIG; or

                  (ii) is or becomes rightfully available to IIG without
confidential restriction from, or pursuant to a distinct development contract
with, a source not under SelectTech's control; or

                  (iii) is independently developed by IIG without use of the
Confidential Information developed by or disclosed to IIG hereunder;
provided, however, that the burden of proof of such independent development
shall be upon IIG; or

                  (iv) is disclosed pursuant to court or government action;
provided, however, that IIG gives SelectTech reasonable prior notice of
disclosure pursuant to such court or government action.

         8. LIMITATION OF LIABILITY. IN NO EVENT SHALL EITHER PARTY BE LIABLE
TO THE OTHER FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR INDIRECT DAMAGES,
HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, ARISING OUT OF THIS AGREEMENT,
WHETHER OR NOT SUCH PARTY IS ADVISED OF THE

                                   5

<PAGE>

POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL
PURPOSE OF ANY LIMITED REMEDY.

         9. NON-HIRE. Neither party, nor any of their successors and
assignees, will hire or enter into any contract with an employee or agent of
the other party without the prior consent of the other party. This provision
will remain in effect for one (1) year after the cancellation date of this
Agreement.

         10. ASSIGNMENT. This Agreement shall bind and inure to the benefit
of the parties' respective successors and assigns.

         11. MISCELLANEOUS PROVISIONS.

         (a) GOVERNING LAW. This Agreement shall be governed by and construed
under the laws of the State of California without regard to conflict of laws
principles. In any action or proceeding to enforce rights under this
Agreement, the prevailing party shall be entitled to recover costs and
attorneys' fees.

         (b) NOTICES. All notices under this Agreement shall be in writing
and delivered personally or by facsimile, commercial overnight courier, or
certified or registered mail, return receipt requested, to a party at its
respective address set forth below:

                  SelectTech:
                      SelectTech
                      595 Market St., 6th Floor
                      San Francisco, California 94105

                  IIG:
                      Innovative Information Group, Inc.
                      6481 Oneida Court,
                      Sun Valley, Nevada 89433-6654

         (c) ENTIRE AGREEMENT. This Agreement sets forth the entire agreement
and understanding of the parties relating to the subject matter herein and
merges and supersedes all prior discussions between them. No modification of
or amendment to this Agreement, nor any waiver of any rights under this
Agreement, shall be effective unless in writing signed by the party against
whom it is to be enforced. Nothing express or implied in this Agreement is
intended to confer, nor shall anything herein confer, upon any person other
than the parties and the respective successors or permitted assigns of the
parties, any rights, remedies, obligations or liabilities whatsoever.

         (d) SEVERABILITY. If the application of any provision or provisions
of this Agreement to any particular facts or circumstances shall be held to
be invalid or unenforceable by any court of competent jurisdiction, then: (i)
the validity and enforceability of such provision or provisions as applied to
any other particular facts or circumstances and the validity of other
provisions of this Agreement shall not in any way be affected or impaired
thereby; and (ii) such provision or provisions shall be reformed without
further action by the parties hereto and only to the extent

                                   6

<PAGE>

necessary to make such provision or provisions valid and enforceable when
applied to such particular facts and circumstances.

         (e) INDEPENDENT CONTRACTORS. The parties are independent
contractors, and nothing in this Agreement shall be construed to create a
joint venture or partnership.

         (f) FORCE MAJEURE. A party will not be deemed to have materially
breached this Agreement to the extent that performance of its obligations or
attempts to cure any breach are delayed or prevented by reason of an act of
God, fire, natural disaster, accident, act of government, shortage of
equipment, materials or supplies beyond the reasonable control of such party,
or any other cause beyond the reasonable control of that party (a "FORCE
MAJEURE EVENT"); provided that the party whose performance is delayed or
prevented promptly notifies the other party of the nature and duration of the
force majeure event.

         (g) COMPLIANCE WITH LAWS. Each party shall comply with all laws and
regulations applicable to it.

         (h) DISPUTES AND REMEDIES. The parties agree to use their best
efforts to resolve any dispute that may arise under the Agreement through
good faith negotiations. No party shall commence any arbitration or
litigation in relation to this Agreement unless it has first invited the
chief executive or other responsible executive officer of the other party to
meet with its own chief executive or other responsible executive officer for
the purpose of endeavoring to resolve the dispute on mutually acceptable
terms.

         Any dispute arising under the Agreement that cannot be settled by
negotiation between the parties shall be submitted to arbitration under the
rules of the [American Arbitration Association]. The decision of the
arbitrator shall be final. The parties shall continue to perform their
obligations under the Agreement as far as possible as if no dispute had
arisen pending the final settlement of any matter referred to arbitration.

         Nothing in this clause shall preclude either party from taking steps
to seek immediate equitable relief before any court of competent
jurisdiction, if required.

         (i) COUNTERPARTS. This Agreement may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed an
original, and such counterparts together shall constitute one and the same
instrument. For purposes hereof, a facsimile copy of this Agreement,
including the signature pages hereto, shall be deemed to be an original.

                                 * * *

                                   7

<PAGE>

         IN WITNESS WHEREOF, the parties have executed and delivered this
Software Development Agreement as of the date first set forth above.

SELECTTECH                            INNOVATIVE INFORMATION GROUP, INC.

-----------------------------         ----------------------------
Charan Singh                          Steven H. Gerber
Chairman                              President

                                   8

<PAGE>

                                   EXHIBIT A

                                INITIAL PROJECTS

1.   AIM ACCS - AIM CENTRAL COMMUNICATION SERVER - THIS SOFTWARE PROJECT WILL
     PROVIDE A MECHANISM TO MOVE DATA BETWEEN ANY NUMBER OF SITES USING AN
     INSURANCE DATA WORKFLOW MODEL. THE SELECTTECH PROJECT MANAGERS WILL PROVIDE
     THE CONSULTING PROGRAMMING STAFF ADDITIONAL PRODUCT DESCRIPTIONS AND ITEMS
     THAT WOULD COMPOSE A SPECIFICATION ON AN AS NEEDED BASIS.

2.   AIM QV - QUICKVIEW - THIS PRODUCT WILL BE A REPLACEMENT FOR MULTIDATA
     ACCESS.  THIS PRODUCT WILL MOVE PENDING DATA, COMMISSION DATA, INFORCE
     DATA, POLICIES, ELECTRONIC APPLICATIONS AND OTHER INFORMATION, FROM A
     CREATING SITE (PRIMARILY INSURANCE CARRIER FOR ALL EXCEPT THE ELECTRONIC
     APPLICATION) TO ANY NUMBER OF OTHER SITES.  THE MOVEMENT OF DATA WILL BE
     MANAGED AND CONTROLLED BY THE ACCS.  WITHIN THIS PROJECT THERE WILL BE
     THREE FORMS OF THE QUICKVIEW SYSTEM.  THESE ARE AGENCY QV, CARRIER QV AND
     WEB QV. THE SELECTTECH PROJECT MANAGERS WILL PROVIDE THE CONSULTING
     PROGRAMMING STAFF ADDITIONAL PRODUCT DESCRIPTIONS AND ITEMS THAT WOULD
     COMPOSE A SPECIFICATION ON AN AS NEEDED BASIS.

3.   AIM GA - GENERAL AGENCY SYSTEM - THE AIM GENERAL AGENCY SYSTEM WILL BE
     BUILT TO BE A REPLACEMENT FOR THE MULTIDATA AMS SYSTEM. THIS SYSTEM WILL
     RETAIN ALL THE FUNCTIONALITY OF THE AMS SYSTEM PLUS HAVE THE FEATURE
     ADVANTAGES OF BUILDING THIS SYSTEM IN THE WINDOWS OPERATING ENVIRONMENT.
     THE SELECTTECH PROJECT MANAGERS WILL PROVIDE THE CONSULTING PROGRAMMING
     STAFF ADDITIONAL PRODUCT DESCRIPTIONS AND ITEMS THAT WOULD COMPOSE A
     SPECIFICATION ON AN AS NEEDED BASIS.

4.   AIM ITS - INSURANCE TELE-INTERVIEW SYSTEM -AIM ITS WILL BE A UNIQUE SYSTEM
     THAT IS DESIGNED FOR CONDUCTING PART 1 AND PART 2 INSURANCE INTERVIEWS
     THOUGHT A TELEMARKETING SERVICE. THE SELECTTECH PROJECT MANAGERS WILL
     PROVIDE THE CONSULTING PROGRAMMING STAFF ADDITIONAL PRODUCT DESCRIPTIONS
     AND ITEMS THAT WOULD COMPOSE A SPECIFICATION ON AN AS NEEDED BASIS.

5.   AIM DMS - DIRECT MARKETING SYSTEM -AIM DMS IS A SYSTEM DESIGNED TO BE A
     PLATFORM FROM WHICH TO CONDUCT TELEPHONE BASED SALES AND MARKETING OF
     INSURANCE. THIS PRODUCT IS BASED ON EXISTING SELECTTECH DESIGNS. THE
     SELECTTECH PROJECT MANAGERS WILL PROVIDE THE CONSULTING PROGRAMMING STAFF
     ADDITIONAL PRODUCT DESCRIPTIONS AND ITEMS THAT WOULD COMPOSE A
     SPECIFICATION ON AN AS NEEDED BASIS.

6.   GENERAL WORK - IN ADDITION TO THE PROJECTS DESCRIBED ABOVE, IIG WILL ALSO
     BE REQUESTED TO PROVIDE ADDITIONAL PROGRAMMING AND CONSULTING SERVICES FOR
     THE CREATING OF UTILITIES AND OTHER PRODUCTS NECESSARY TO SUPPORT THE
     AIMSUITE OF SOFTWARE PROJECTS. IN EACH CASE, A SELECTTECH PROJECT MANAGER
     WILL PROVIDE THE CONSULTING PROGRAMMING STAFF ADDITIONAL PRODUCT
     DESCRIPTIONS AND ITEMS THAT WOULD COMPOSE A SPECIFICATION ON AN AS NEEDED
     BASIS.

<PAGE>

                                   EXHIBIT B
                         PROJECT AND WORK APPROVAL FORM

<TABLE>
<CAPTION>

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DATE:                                                   REQUESTOR:
<S>                                                     <C>
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CHANGE REQUEST BY:                                      DEPARTMENT:

------------------------------------------------------- -----------------------------------------------------
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PROJECT/TASK NAME:

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------------------------------------------------------- -----------------------------------------------------
CHANGE IMPACT:

 LOW / /       NORMAL / /        HIGH / /

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

DESCRIPTION OF PROJECT/WORK:

-------------------------------------------------------------------------------------------------------------
 PRODUCT / /   SYSTEM SOFTWARE / /   DATABASE / /   OTHER / /

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

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

REASON FOR PROJECT/WORK:

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

-------------------------------------------------------------------------------------------------------------
------------------------------------------------------- -----------------------------------------------------
EXPECTED START DATE:                                    EXPECTED COMPLETION DATE:

------------------------------------------------------- -----------------------------------------------------
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NUMBER OF TOTAL STAFF REQUIRED:

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

TYPE OF STAFF REQUIRED (TYPE/HOW MANY)

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

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

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

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

-------------------------------------------------------------------------------- ----------------------------
ACCOUNTING APPROVAL:                                                             DATE:

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

-------------------------------------------------------------------------------- ----------------------------
MANAGEMENT APPROVAL:                                                             DATE:

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

</TABLE>

                                   10

<PAGE>

                         MANAGEMENT APPROVAL DESIGNEES

1.   MICHAEL L. FEROAH - EXECUTIVE VICE PRESIDENT

2.   HERNAN E. REYES  - VICE PRESIDENT OF OPERATIONS

3.   STEVEN H. GERBER - PRESIDENT

                                   11

<PAGE>

                                   EXHIBIT C

                        PERFORMANCE TERMS AND CONDITIONS

         By 10th day of each month, IIG shall prepare and e-mail to
SelectTech or its designee, the list of dedicated resources - managers,
programmers, designers, technical writes and other specialists - available
for SelectTech in the next three (3) months. The schedule of available
specialists shall to be sent by IIG for on-site support of installations and
integration. By the 20th day of the month, SelectTech shall review and e-mail
to IIG the schedule with necessary corrections in quantity of resources and
their assignments. If SelectTech does not provide any comments, the original
IIG's list will be deemed accepted.

         If SelectTech requires more resources than IIG has proposed,
SelectTech shall specify the skills of necessary specialists and IIG shall
use best efforts to find, hire and train them. [SelectTech guarantees the use
of new hired specialists during at least six (6) months.]

         If SelectTech overestimates necessary resources and does not provide
workload for them, IIG will charge SelectTech for these resources as if they
had been fully utilized.

         Both parties will use best efforts to resolve resource problem in
shorter than the three (3) month notification term provided above in the case
of urgent need.

2)       IIG will provide on-site specialists based on the following conditions:

         -   SelectTech  will cover  expenses on  round-trip  transportation  to
             the USA, per-diems,  visa fees and any reasonable  expenses.  These
             expenses will be invoiced separately.

         -   IIG will buy travel medical insurance for technical resources while
             these resources are traveling in the US on assignment for
             SelectTech or its assignees. Medical expenses during assignments in
             the US will be billed to SelectTech with supporting documentation,
             and SelectTech will pay up to $100 per month for medical insurance.

         -   SelectTech will cover expenses for accommodations in the USA,
             transportation within the USA and telephone charges which are not
             to exceed an agreed upon amount.

         -   SelectTech will provide accommodations, assuring that the residence
             is in a safe place as determined by reasonable standards, with a
             separate room for each specialist and access to an equipped kitchen
             whenever possible.

         -   Should it be determined that the planned stay of any IIG specialist
             be extended for business purposes, SelectTech will be responsible
             for reasonable additional expenses which may occur as a result of
             the extension.

         -   SelectTech will provide one free day and rental car with insurance,
             if requested, one time per two (2) months for an on-site specialist
             who has a valid drivers license and is legally able to drive in the
             US. The on-site specialist will be responsible for gas and any
             other costs associated with the rental (except rent and insurance
             fees).

         -   SelectTech in no event may make any direct payments to IIG's
             representatives visiting the USA, except as specified above.

                                   12

<PAGE>

                                   EXHIBIT D

                              SECURITY PROCEDURES

                                   13

<PAGE>

                                   EXHIBIT E

                             HOURLY RATES AND TERMS

         Hourly rates for IIG's Specialists or services will be agreed to in
separate agreements.

         1.   IIG will provide SelectTech with Resource Tracking Sheets that
              account for the tasks accomplished, hours worked, supervisor
              sign-off and project assignment for each technical resource prior
              to the acceptance of any invoicing by SelectTech.

         2.   For the purposes of this contract, a working month is considered
              as 160 working hours. IIG will not charge SelectTech for IIG's
              specialists on vacation or sickness.

         3.   Per Diems for IIG's representatives staying in the USA are fifty
              ($50) US dollars per each calendar day including any travel days
              so long as those days are business related or travel to and from
              sites. No Per Diem will be paid for personal vacations taken while
              in the USA.

         4.   SelectTech  will  provide  either a phone call or an  allotment in
              the  amount  of  $100  per  month  which  is to be used  for  each
              specialist  personal  phone  calls.  SelectTech  assumes  no other
              responsibility  for  personal  phone  charges and any amount spent
              over  the   allotted   amount   is  the   responsibility   of  the
              individual.  Phone  charges  in  excess  of  the  allotted  amount
              which are not  directly  paid by the  individual  but  charged  to
              SelectTech  in any way,  may be deducted  from the amounts owed to
              the  individual  in per diem or deducted  from the amounts owed to
              IIG.  Should such  charges  occur,  prior  notice will be given to
              IIG and a separate invoice presented.

                                   14

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