Document:

<PAGE>   1

                                                                   EXHIBIT 10.31

                  PLAN TO PROVIDE FRANCHISE OPPORTUNITIES FOR

                              CORPORATE MANAGEMENT

                                OCTOBER 3, 1994

                                    I. Plan

Beginning December 1, 1994, corporate management shall have the opportunity to
apply for, qualify for and receive a grant of a franchise(s) for one or more
Krispy Kreme store(s) in open territories.

                            II. Purpose of the Plan

The purpose of the plan is to provide opportunities for eligible and qualifying
corporate management to obtain a franchise(s) for one or more Krispy Kreme
stores thereby allowing those who have made substantial contributions to Krispy
Kreme's success to share and participate in the growth of the Company.

                    III. Benefits of the Plan to the Company

The benefits to the company are as follows:

         1.       the plan serves to attract, retain and motivate quality
                  employees;

         2.       the plan provides the greatest likelihood of successful store
                  expansion due to the knowledge and experience of the plan
                  participant;

         3.       the plan expedites and enhances the development of the
                  company's franchise program and store expansion program;

<PAGE>   2

         4.       the plan gives our successful corporate management an
                  additional opportunity to grow in their career at Krispy
                  Kreme; and

         5.       The plan will add to a sense of ownership, opportunity and
                  entrepreneurship which is vital to achieving the company's
                  commitment to exceeding shareholders and customer
                  expectations.

                           IV. Conditions of the Plan

A.       Eligibility:  Members of corporate management who

         -        are participants in the ELTIP

         -        meet franchise applicant qualifications which are set forth on
                  Exhibit A.

                  These qualifications include

                  -        business plan for developing the market which meets
                           company standards and

                  -        financial resources/bank commitment for full market
                           development which meets company standards

         -        are employed in good standing

         -        have a trained and capable replacement (if leaving company)

B.       Available franchise areas: Any qualifying area in the United States
         except for territories of existing associates and company markets. For
         available territories, see the list set forth on Exhibit B. The list is
         subject to change from time to time. Areas must meet the

                                       2

<PAGE>   3

         Company's requirements for population density, which currently is
         100,000 households within a metropolitan statistical area. Any
         exceptions must have corporate approval.

C.       Investor Groups: Applicants may qualify by forming an investor group
         provided that the applicant will have at least a 20% equity interest
         (40% for two participants in the same investor group and 50% for three
         or more participants).

D.       Franchise Agreement: Corporate management will sign the same franchise
         agreement which has been developed for new franchisees which includes
         the prevailing franchise fee, royalty and advertising fee.

E.       Awarding of Markets: Markets will be awarded on a "first come, first
         serve" basis to qualifying applicants. Applicants must be ready to
         develop market immediately. Markets . will not be held or reserved - no
         right of first refusal.

                          V. Financing by Krispy Kreme

Krispy Kreme will guarantee conventional financing for any number of store(s)
per applicant. The types of guarantees are as follows:

         Equipment Buy Back -

         -        upon default, buy back of production equipment, other
                  equipment, signage, furniture and fixtures at a price equal to
                  purchase price declining with the amortization of the bank
                  loan to 50% of purchase price

                                       3

<PAGE>   4

         ELTIP Guarantee -

         -        guarantee equal to amount of balance in ELTIP accounts

         -        ELTIP Article VF provides:

                  "when KK distributes amounts credited to the Account of a
                  Participant, KK has the right to deduct therefrom . . . any
                  amounts the Participant may owe the Company."

         Other Guarantee of Loan -

         -        corporate guarantee of bank loan in an additional amount
                  sufficient to enable him/ her to obtain financing for 100% of
                  the cost of the store (within the parameters set forth in Item
                  VII of the franchise offering circular).

                  -        If participant can qualify for conventional bank
                           financing (with equipment buy back and ELTIP
                           guarantees).

                  -        There will be no fee for the guarantee for the first
                           15 months. Thereafter, the participant shall pay
                           Krispy Kreme a fee of the two percent (2%) per annum
                           of the amount guaranteed until Participant's lender
                           releases Krispy Kreme from the guarantee (unless the
                           ratio of cash flow to debt from the Store is less
                           than 1.25 to 1.00 primarily due to the Store's
                           location).

The plan and related guarantees will require approval of Southern National Bank,
the company's lender. The participant will be required to sign an Accommodation
Agreement under which he/ she agrees to repay the company if its performs under
the guarantee.

                                       4

<PAGE>   5

                              VI. Other Conditions

-        Production equipment is subject to availability.

-        Employees of Krispy Kreme who participate must continue to devote full
         time and best efforts to current job. If a plan participant's
         employment with Krispy Kreme Doughnut Corporation is terminated for
         cause, the company has the right to terminate the Franchise Agreement
         and all rights granted therein.

Each store must have a full time manager who has successfully completed the
training school.

All sales of equipment, signage packages and modular building, as well as mix
and distribution center products will be made at standard prices and on standard
terms.

                           VII. Application Procedure

Begin accepting applications on December 1, 1994. Applications must be
accompanied by

         -        business plan

         -        financial statements

*   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *   *  *

This Plan may be changed at any time due to availability of production equipment
the financial condition of the company, demand and other factors. It is for an
indefinite term but subject to termination at any time by the Board of
Directors.

                                       5

<PAGE>   6

                                   Exhibit A

Franchise Fee: $20,000
Development Fee: $10,000 (Credited against Franchise Fee)
Royalty: 4.5%

Advertising: 4% (broken down as follows)

         -        Marketing and Promotional Fund: Up to a maximum of 3% of Gross
                  Sales.

         -        Local Advertising: 4% of Gross sales less the percent of gross
                  sales contributed to the Marketing and Promotional Fund.

Estimate per store total investment: Low - high range of $640,000 - $813,000
(Includes build ing cost but is exclusive of land and site costs) to develop one
outlet. These costs include the franchise fee, $50,000 - $85,000 in working
capital, grand opening advertising/promotion and initial inventory.

Applicants should demonstrate, in addition to any other items the Company feels
are relevant, the following to the Company's satisfaction:

1.       They possess food service operating experience;

2.       They possess or have the proven ability to, raise capital sufficient to
         fund their development commitment;

3.       They have familiarity with the market proposed for development;

4.       They possess the ability to timely and diligently fulfill all
         obligations of the Company's development and franchise agreement;

5.       They are not contractually or legally prohibited from fully performing
         their obligations, in a timely and diligent manner, under the Company's
         area development and franchise agreements and

6.       They are honest and creditworthy; possess sound reputation and
         integrity, and have no prior criminal records.

For more information: Details about the franchise are made available at a
personal meeting with the Krispy Kreme Franchise Department at which time
prospects receive the Krispy Kreme Uniform Offering Circular and discuss their
franchise opportunities.

<PAGE>   7

                  PLAN TO PROVIDE FRANCHISE OPPORTUNITIES FOR

                              ASSOCIATE OPERATORS

                                OCTOBER 3, 1994

                                    I. Plan

Beginning December 1, 1994, associate operators shall have the opportunity to
apply for, qualify for and receive a grant of a franchise(s) for one or more
Krispy Kreme store(s) in open territories.

                            II. Purpose of the Plan

The purpose of the plan is to provide opportunities for eligible and qualifying
associate operators to obtain a franchise(s) for one or more Krispy Kreme stores
thereby allowing those who have made substantial contributions to Krispy Kreme's
success to share and participate in the growth of the Company.

                    III. Benefits of the Plan to the Company

The benefits to the company are as follows:

         1.       the plan gives associates the opportunity to grow both inside
                  and outside their existing markets and give family members
                  opportunities;

         2.       the plan provides the greatest likelihood of successful store
                  expansion due to the knowledge and experience of the plan
                  participants;

         3.       the plan expedites and enhances the development of the
                  company's franchise program and store expansion program;

<PAGE>   8

         4.       the plan gives our successful associate operators an
                  additional opportunity to grow in their career at Krispy
                  Kreme; and

         5.       The plan will add to a sense of ownership, opportunity and
                  entrepreneurship which is vital to achieving the company's
                  commitment to exceeding shareholders and customer
                  expectations.

                           IV. Conditions of the Plan

A        Eligibility:  Associate operators outside their existing territories

         A.       OUTSIDE EXISTING MARKET

                  -        who have already fully penetrated their existing
                           markets on the basis of one store per 100,000
                           households

         B.       BOTH INSIDE AND OUTSIDE

                  -        are in, and have had a history of, good financial
                           standing with the company

                  -        accounts receivable under 60 days

                  -        financial statements submitted timely

                  -        royalties timely paid

         -        have a history of operating within company standards

                  -        operations sanitation

                  -        safety

                  -        product quality

                                       2

<PAGE>   9

         -        meets franchise applicant qualifications which are set forth
                  on Exhibit A. These qualifications include

                  -        business plan for developing the market which meets
                           company standards and

                  -        financial resources/bank commitment for full market
                           development which meets company standards

B.       Available franchise areas: Any qualifying area in-the United States
         except for terri tories of existing associates and company markets. For
         available territories, see the list set forth on Exhibit B. This list
         is subject to change from time to time. Areas must meet the Company's
         requirements for population density, which currently is 100,000 house
         holds within a metropolitan statistical area. Any exceptions must have
         corporate approval.

C.       Investor Groups: Applicants may qualify by forming an investor group
         provided that the applicant will have at least a 20% equity interest
         (40% for two participants in the same investor group and 50% for three
         or more participants).

D.       Franchise Agreement: For stores outside their area, associate operators
         will sign the same franchise agreement which has been developed for new
         franchisees which includes the prevailing franchise fee, royalty and
         advertising fee.

                                       3

<PAGE>   10

E.       Awarding of Markets: Markets will be awarded on a "first come, first
         serve" basis to qualifying applicants. Applicants must be ready to
         develop market immediately. Markets will not be held or reserved - no
         right of first refusal.

                          V. Financing by Krispy Kreme

Krispy Kreme will guarantee conventional financing for any number of store(s)
per applicant. The types of guarantees are as follows:

         Equipment Buy Back -

         -        upon default, buy back of production equipment, other
                  equipment, signage, furniture and fixtures at a price equal
                  to purchase price declining with the amortization of the bank
                  loan to 50% of purchase price

         Stock Pledge -

         -        pledge of stock with a buy back of stock, upon default, at-
                  then book value (or price) under stock purchase agreement

         Other Guarantee of Loan -

         -        corporate guarantee of bank loan in an additional amount
                  sufficient to enable him/ her to obtain financing for 100% of
                  the cost of the store (within the parameters set forth in Item
                  VII of the franchise offering circular).

                  -        If participant can qualify for conventional bank
                           financing (with equipment buy back and pledge of
                           stock guaranteed).

                  -        There will be no fee for the guarantee for the first
                           15 months. Thereafter, the participant shall pay
                           Krispy Kreme a fee of the two percent (2%) per

                                       4

<PAGE>   11

                           annum of the amount guaranteed until Participant's
                           lender releases Krispy Kreme from the guarantee
                           (unless the ratio of cash flow to debt from the Store
                           is less than 1.25 to 1.00 primarily due to the
                           Store's location).

The plan and related guarantees will require approval of Southern National Bank,
the company's lender. The participant will be required to sign an Accommodation
Agreement under which he/ she agrees to repay the company if it performs under
the guarantee.

                              VI. Other Conditions

-        Production equipment is subject availability.

-        Each store must have a full time manager -who has successfully
         completed the training school.

-        Associates who participate must fully develop their existing markets.

-        All sales of equipment, signage packages and modular building, as well
         as mix and distribution center products will be made at standard
         prices and on standard terms.

                           VII. Application Procedure

Begin accepting applications on December 1, 1994. Applications must be
accompanied by

         -        business plan

         -        financial statements

 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *

This Plan may be changed at any time due to availability of production equipment
the financial condition of the company, demand and other factors. It is for an
indefinite term but subject to termination at any time by the Board of
Directors.

                                       5

<PAGE>   12

                                    Exhibit A

Franchise Fee: $20,000
Development Fee: $10,000 (Credited against Franchise Fee)
Royalty: 4.5%

Advertising: 4% (broken down as follows)

         -        Marketing and Promotional Fund: Up to a maximum of 3% of Gross
                  Sales.

         -        Local Advertising: 4% of Gross sales less the percent of gross
                  sales contributed to the Marketing and Promotional Fund.

Estimate per store total investment: Low - high range of $640,000 - $813,000
(Includes build ing cost but is exclusive of land and site costs) to develop one
outlet. These costs include the franchise fee, $50,000 - $85,000 in working
capital, grand opening advertising/promotion and initial inventory.

Applicants should demonstrate, in addition to any other items the Company feels
are relevant, the following to the Company's satisfaction:

1.       They possess food service operating experience;

2.       They possess or have the proven ability to raise capital sufficient to
         fund their development commitment;

3.       They have familiarity with the market proposed for development;

4.       They possess the ability to timely and diligently fulfill all
         obligations of the Company's development and franchise agreement;

5.       They are not contractually or legally prohibited from fully performing
         their obligations, in a timely and diligent manner, under the Company's
         area development and franchise agreements and

6.       They are honest and creditworthy; possess sound reputation and
         integrity, and have no prior criminal records.

For more information: Details about the franchise are made available at a
personal meeting with the Krispy Kreme Franchise Department at which time
prospects receive the Krispy Kreme Uniform Offering Circular and discuss their
franchise opportunities.

<PAGE>   13

                   PLAN TO PROVIDE FRANCHISE OPPORTUNITIES FOR

                                 STORE MANAGERS

                                 OCTOBER 3, 1994

                                    I. Plan

Beginning December 1, 1994, qualifying store managers shall have the opportunity
to apply for, qualify for and receive a grant of a franchise(s) for one or more
Krispy Kreme store(s) in open territories.

                            II. Purpose of the Plan

The purpose of the plan is to provide opportunities for eligible and qualifying
store managers to obtain a franchise(s) for one or more Krispy Kreme stores
thereby allowing those who have made substantial contributions to Krispy Kreme's
success to share and participate in the growth of the Company.

                    III. Benefits of the Plan to the Company

The benefits to the company are as follows:

         1.       the plan serves to attract, retain and motivate quality
                  employees;

         2.       the plan provides the greatest likelihood of successful store
                  expansion due to the knowledge and experience of the store
                  managers;

         3.       the plan expedites and enhances the development of the
                  company's franchise program and store expansion program;

<PAGE>   14

         4.       the plan gives our successful store managers an additional
                  opportunity to grow in their career at Krispy Kreme; and

         5.       The plan will add to a sense of ownership, opportunity and
                  entrepreneurship which is vital to achieving the company's
                  commitment to exceeding shareholders and customer
                  expectations.

                           IV. Conditions of the Plan

A.       Eligibility: Company store managers who:

         -        have a track record of superior store performance in
                  accordance with the standards set forth in mission statement
                  as evaluated and determined by corporate management

         -        must be employed as a manager for at least five years

         -        must have a trained and capable replacement

         -        meets franchise applicant qualifications which are set forth
                  on Exhibit A. These qualifications include

                  -        business plan for developing the market which meets
                           company standards and

                  -        financial resources/bank commitment for full market
                           development which meets company standards

B.       Available franchise areas: Any qualifying area in the United States
         except for territories of existing associates and company markets. For
         available territories, see the list set forth

                                       2

<PAGE>   15

         on Exhibit B. The list is subject to change from time to time. Areas
         must meet the Company's requirements for population density, which
         currently is 100,000 households within a metropolitan statistical area.
         Any exceptions must have corporate approval.

C.       Investor Groups: Applicants may qualify by forming an investor group
         provided that the applicant will have at least a 20% equity interest
         (40% for two participants in the same investor group and 50% for three
         or more participants).

D.       Franchise Agreement: The store managers will sign the same franchise
         agreement which has been developed for new franchisees which includes
         the prevailing franchise fee, royalty and advertising fee.

E.       Awarding of Markets: Markets will be awarded on a "first come, first
         serve" basis to qualifying applicants. Applicants must be ready to
         develop market immediately. Markets will not be held or reserved - no
         right of first refusal.

                          V. Financing by Krispy Kreme

Except for the tenure guarantee, Krispy Kreme will guarantee conventional
financing for any number of store(s) per applicant. The types of guarantees are
as follows:

         Equipment Buy Back -

         -        upon default, buy back of production equipment, other
                  equipment, signage, furniture and fixtures at a price equal
                  to purchase price declining with the amortization of the bank
                  loan to 50% of purchase price

                                       3

<PAGE>   16

         Tenure Guarantee -

         -        guarantee an amount equal to $50,000 x number of years
                  employed as a store manager (maximum $500,000) - one time only
                  (one store only)

The plan and related guarantees will require approval of Southern National Bank,
the company's lender. The participant will be required to sign an Accommodation
Agreement under which he/ she agrees to repay the company if it performs under
the guarantee.

                              VI. Other Conditions

-        Production equipment is subject to availability.

-        The plan participant must successfully complete the Manager Training
         Program.

-        All sales of equipment, signage packages and modular building, as well
         as mix and distribution center products will be made at standard prices
         and on standard terms.

                           VII. Application Procedure

Begin accepting applications on December 1, 1994. Applications must be
accompanied by

         -        business plan

         -        financial statements

 *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *  *

This Plan may be changed at any time due to availability of production equipment
the financial condition of the company, demand and other factors. It is for an
indefinite term but subject to termination at any time by the Board of
Directors.

                                       4

<PAGE>   17

                                   Exhibit A

Franchise Fee: $20,000
Development Fee: $10,000 (Credited against Franchise Fee)
Royalty: 4.5%

Advertising: 4% (broken down as follows)

         -        Marketing and Promotional Fund: Up to a maximum of 3% of Gross
                  Sales.

         -        Local Advertising: 4% of Gross sales less the percent of gross
                  sales contributed to the Marketing and Promotional Fund.

Estimate per store total investment: Low - high range of $640,000 - $813,000
(Includes build ing cost but is exclusive of land and site costs) to develop one
outlet. These costs include the franchise fee, $50,000 - $85,000 in working
capital, grand opening advertising/promotion and initial inventory.

Applicants should demonstrate, in addition to any other items the Company feels
are relevant, the following to the Company's satisfaction:

1.       They possess food service operating experience;

2.       They possess or have the proven ability to raise capital sufficient to
         fund their development commitment;

3.       They have familiarity with the market proposed for development;

4.       They possess the ability to timely and diligently fulfill all
         obligations of the Company's development and franchise agreement;

5.       They are not contractually or legally prohibited from fully performing
         their obligations, in a timely and diligent manner, under the Company's
         area development and franchise agreements and

6.       They are honest and creditworthy; possess sound reputation and
         integrity, and have no prior criminal records.

For more information: Details about the franchise are made available at a
personal meeting with the Krispy Kreme Franchise Department at which time
prospects receive the Krispy Kreme Uniform Offering Circular and discuss their
franchise opportunities.<PAGE>   1

                                                                    Exhibit 4.1

                                 WRITTEN CONSENT
                                OF THE DIRECTORS
                            OF GOLDENACCESS.COM, INC.
                           IN LIEU OF SPECIAL MEETING

         The undersigned, being the sole director of GOLDENACCESS.COM, INC., a
Florida corporation (the "Corporation"), hereby consents, in lieu of a special
meeting and pursuant to Section 607.0821 of the Florida Business Corporation
Act, to the adoption of the following resolutions, and directs the Secretary of
the Corporation to file this Consent in the minute book of the Corporation:

         WHEREAS, Clifford Y. Pierce ("Pierce") is the Chairman of the
Corporation;

         WHEREAS the Corporation desires to issue to Pierce an option to acquire
120,000 shares of common stock of the Corporation at a strike price of three
dollars and seventy-five cents ($3.75) per share exercisable for five years from
the date of the option agreement, but not first exercisable until the completion
of 6 consecutive months after the effective date of the first registration
statement of the Company.

         RESOLVED, that the officers of the Corporation are hereby authorized
and directed to execute that certain Option Agreement in the form attached
hereto as EXHIBIT A, and to do and perform any and all other acts, and execute
any and all other documents that, in their sole discretion, are necessary or
appropriate in connection therewith.

         WHEREAS, Paul Callihoo ("Callihoo") is a key person in the Corporation;

         WHEREAS, the Corporation desires to issue to Callihoo, as key
personnel, an option to acquire 50,000 shares of common stock of the Corporation
at a strike price of three dollars and seventy-five cents ($3.75) per share,
exercisable for five years after the date of the option agreement, but with the
restriction that an option to acquire only 10,000 shares may be exercised after
the completion of one year following the effective date of the first
registration statement of the Corporation, and that an option to acquire the
other 40,000 shares may be exercised after the completion of two years following
the effective date of the first registration statement of the Corporation, and
with the further restriction that Callihoo be employed by the Corporation at the
time of any exercise of options.

         RESOLVED, that the officers of the Corporation are hereby authorized
and directed to execute that certain Option Agreement in the form attached
hereto as EXHIBIT B, and to do and perform any and all other acts, and execute
any and all other documents that, in their sole discretion, are necessary or
appropriate in connection therewith.

         WHEREAS, Nigel Gray ("Gray") is a key person in the Corporation;

         WHEREAS, the Corporation desires to issue to Gray, as key personnel, an
option to acquire 50,000 shares of common stock of the Corporation at a strike
price of three dollars and seventy-five cents ($3.75) per share, exercisable for
five years after the date of the option agreement, but with the

<PAGE>   2

restriction that an option to acquire only 10,000 shares may be exercised only
after the completion of one year following the effective date of the first
registration statement of the Corporation, and that an option to acquire the
other 40,000 shares may be exercised only after the completion of two years
following the effective date of the first registration statement of the
Corporation, and with the further restriction that Gray be employed by the
Corporation at the time of any exercise of options.

         RESOLVED, that the officers of the Corporation are hereby authorized
and directed to execute that certain Option Agreement in the form attached
hereto as EXHIBIT C, and to do and perform any and all other acts, and execute
any and all other documents that, in their sole discretion, are necessary or
appropriate in connection therewith.

         FURTHER RESOLVED, that the Corporation is hereby authorized to issue to
"executive management personnel" of the Corporation options to acquire an
additional 680,000 shares of common stock of the Corporation at a strike price
of three dollars and seventy-five cents ($3.75) per share, exercisable for five
years from the date of the option agreement, but not first exercisable until the
completion of 6 consecutive months after the effective date of the first
registration statement of the Corporation, and that the officers of the
Corporation are hereby authorized and directed to execute such agreements, and
to do and perform any and all other acts that, in their sole discretion, are
necessary or appropriate in connection therewith.

         FURTHER RESOLVED, that the Corporation is hereby authorized to issue to
"key personnel" of the Corporation options to acquire an additional 220,000
shares of common stock of the Corporation at a strike price of three dollars and
seventy-five cents ($3.75) per share, exercisable for five years from the date
of the option agreement, provided that 20 percent of any option grant may be
exercised after one year has elapsed following the effective date of the first
registration statement of the Corporation and that 80 percent thereof may be
exercised after two years have elapsed following such effective date, and
further provided that the employee to whom the option is granted is employed by
the Corporation at the time of exercise. The officers of the Corporation are
hereby authorized and directed to execute such agreements, and to do and perform
any and all other acts that, in their sole discretion, are necessary or
appropriate in connection therewith.

Dated as of:
            ----------------------

                                     -------------------------------------------
                                     Clifford Y. Pierce, as Chairman, President

----------------------------------
Secretary

<PAGE>   3

                                    EXHIBIT A
                                    ---------

                      Option Agreement for Clifford Pierce

<PAGE>   4

                                    EXHIBIT B
                                    ---------

                       Option Agreement for Paul Callihoo

<PAGE>   5

                                    EXHIBIT C
                                    ---------

                         Option Agreement for Nigel Gray

<PAGE>   6

                                OPTION AGREEMENT

                                      DATED

                               ____________, 2000

                                    PARTIES:
                                    -------

Goldenaccess.com, Inc., a Florida corporation (the "Corporation"), with an
address at _______________________________________________________________.

Paul Callihoo ("Callihoo"), with an address at ___________________________
__________________________________________.

                                    RECITALS:
                                    --------

         WHEREAS, Callihoo is a key employee of the Corporation.

         WHEREAS, the Corporation desires to grant to Callihoo an option to
acquire 50,000 shares of the common stock of the Corporation at the price and
upon the terms hereinafter set forth.

         NOW THEREFORE, in consideration of the receipt of $1.00, Callihoo's
continued employment with the Corporation and other good and valuable
consideration, the sufficiency and/or receipt of which is hereby acknowledged,
the parties hereby agree upon the following terms.

                                     TERMS:
                                     -----

     1.  OPTION.

         Callihoo is hereby granted the right to acquire FIFTY THOUSAND (50,000)
shares of the common stock of the Corporation, during the period commencing on
the date of this Option Agreement and ending on the fifth anniversary of the
date of this Agreement (the "Option Period") at a price of three dollars and
seventy-five cents ($3.75) per share (the "Option").

     2.  RESTRICTION ON EXERCISE.

         The exercise of the Option described in Section 1 is subject to the
following restrictions:

         (a) No Option may be exercised under this Option Agreement, either in
whole or in part, until the first anniversary of the effective date of the first
Registration Statement of the Corporation.

<PAGE>   7

         (b) An Option to acquire up to 10,000 shares under this Option
Agreement may be exercised beginning on the first anniversary of the effective
date of the first Registration Statement of the Corporation.

         (c) An Option to acquire all remaining shares under this Option
Agreement may be exercised beginning on the second anniversary of the effective
date of the first Registration Statement of the Corporation.

     3.  MINIMUM EXERCISE.

         Subject to the terms of Section 2, above, the Option may be exercised
in whole or in part, from time to time and at any time and at multiple times
during the Option Period, but for an amount of no less than 5,000 shares at any
one time.

     4.  PAYMENT OF THE PURCHASE PRICE OF SHARES.

         Payment for the purchase of shares pursuant to the Option shall be made
by cashier's check, attorney's trust account check, or wire transfer, at a
closing to be held no later that 30 days after delivery of notice of exercise of
rights under the Option.

     5.  ADJUSTMENT OF OPTION SHARES AND OPTION PRICE.

         The number of shares subject to the Option shall be adjusted for any
stock dividend, subdivision, split-up or combination or exchange of common stock
of the Corporation, and the purchase price of each share shall be adjusted
accordingly.

     6.  TRANSFERABILITY.

         This Agreement and all rights hereunder shall not be transferable by
Callihoo at any time without the prior written consent of the Corporation. This
Agreement and all the rights hereunder shall be binding upon and inure to the
benefit of the parties hereto and their respective successors, assigns and
transferees.

     7.  FORFEITURE.

         If Callihoo's employment with the Corporation should terminate at any
time during the Option Period, voluntarily or involuntarily, for any reason
whatsoever, including but not limited to death or disability, termination with
or without cause, or Callihoo's resignation, Callihoo shall forfeit the right to
exercise any portion of the Option remaining at the time of such termination.

     8.  GOVERNING LAW.

         This Agreement is executed and delivered in, and shall be governed by
and construed in accordance with, the laws of the State of Florida.

     9.   AMENDMENT.

<PAGE>   8

         This Agreement, or any provision hereof, may not be amended, changed or
modified without the written consent of each of the parties hereto.

    10.  NOTICES.

         Any notice to be given hereunder shall be in writing, and shall be
delivered personally, or by a service obtaining a receipt for delivery, or by
registered or certified mail, postage prepaid, return receipt requested,
addressed to the party at the address shown above or such changed address as to
which notice has previously been given hereunder, and deemed given when so
delivered or 3 days after such mailing.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed and delivered as of the date first above written.

WITNESSES:                                   GOLDENACCESS.COM, INC., a
                                               Florida corporation

---------------------------------            By:
                                                -------------------------------
                                                Clifford Y. Pierce, President

---------------------------------
Print Name:
           ----------------------

---------------------------------
Print Name:
           ----------------------

As to the Corporation

---------------------------------            ----------------------------------
                                             Paul Callihoo
Print Name:
           ----------------------

---------------------------------
Print Name:
           ----------------------

As to Paul Callihoo

       [signature page to option agreement between goldenaccess.com. inc.
                               and Paul Callihoo]

                                      -3-
<PAGE>   9

                                OPTION AGREEMENT

                                      DATED

                               ____________, 2000

                                    PARTIES:

Goldenaccess.com, Inc., a Florida corporation (the "Corporation"), with an
address at _______________________________________________________________.

Nigel Gray ("Gray"), with an address at _____________________________________.

                                    RECITALS:

       WHEREAS, Gray is a key employee of the Corporation.

       WHEREAS, the Corporation desires to grant to Gray an option to acquire
50,000 shares of the common stock of the Corporation at the price and upon the
terms hereinafter set forth.

       NOW THEREFORE, in consideration of the receipt of $1.00, Gray's continued
employment with the Corporation and other good and valuable consideration, the
sufficiency and/or receipt of which is hereby acknowledged, the parties hereby
agree upon the following terms.

                                     TERMS:

     1.  OPTION.

         Gray is hereby granted the right to acquire FIFTY THOUSAND (50,000)
shares of the common stock of the Corporation, during the period commencing on
the date of this Option Agreement and ending on the fifth anniversary of the
date of this Agreement (the "Option Period") at a price of three dollars and
seventy-five cents ($3.75) per share (the "Option").

     2.  RESTRICTION ON EXERCISE.

         The exercise of the Option described in Section 1 is subject to the
following restrictions:

         (a) No Option may be exercised under this Option Agreement, either in
whole or in part, until the first anniversary of the effective date of the first
Registration Statement of the Corporation.

<PAGE>   10

         (b) An Option to acquire up to 10,000 shares under this Option
Agreement may be exercised beginning on the first anniversary of the effective
date of the first Registration Statement of the Corporation.

         (c) An Option to acquire all remaining shares under this Option
Agreement may be exercised beginning on the second anniversary of the effective
date of the first Registration Statement of the Corporation.

     3.  MINIMUM EXERCISE.

         Subject to the terms of Section 2, above, the Option may be exercised
in whole or in part, from time to time and at any time and at multiple times
during the Option Period, but for an amount of no less than 5,000 shares at any
one time.

     4.  PAYMENT OF THE PURCHASE PRICE OF SHARES.

         Payment for the purchase of shares pursuant to the Option shall be made
by cashier's check, attorney's trust account check, or wire transfer, at a
closing to be held no later that 30 days after delivery of notice of exercise of
rights under the Option.

     5.  ADJUSTMENT OF OPTION SHARES AND OPTION PRICE.

         The number of shares subject to the Option shall be adjusted for any
stock dividend, subdivision, split-up or combination or exchange of common stock
of the Corporation, and the purchase price of each share shall be adjusted
accordingly.

     6.  TRANSFERABILITY.

         This Agreement and all rights hereunder shall not be transferable by
Gray at any time without the prior written consent of the Corporation. This
Agreement and all the rights hereunder shall be binding upon and inure to the
benefit of the parties hereto and their respective successors, assigns and
transferees.

     7.  FORFEITURE.

         If Gray's employment with the Corporation should terminate at any time
during the Option Period, voluntarily or involuntarily, for any reason
whatsoever, including but not limited to death or disability, termination with
or without cause, or Gray's resignation, Gray shall forfeit the right to
exercise any portion of the Option remaining at the time of such termination.

     8.  GOVERNING LAW.

         This Agreement is executed and delivered in, and shall be governed by
and construed in accordance with, the laws of the State of Florida.

     9.  AMENDMENT.

<PAGE>   11

         This Agreement, or any provision hereof, may not be amended, changed or
modified without the written consent of each of the parties hereto.

    10.  NOTICES.

         Any notice to be given hereunder shall be in writing, and shall be
delivered personally, or by a service obtaining a receipt for delivery, or by
registered or certified mail, postage prepaid, return receipt requested,
addressed to the party at the address shown above or such changed address as to
which notice has previously been given hereunder, and deemed given when so
delivered or 3 days after such mailing.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed and delivered as of the date first above written.

WITNESSES:                                   GOLDENACCESS.COM, INC., a Florida
                                             corporation

------------------------------------         By:
                                                --------------------------------
Print Name:                                     Clifford Y. Pierce, President
           ------------------------

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

Print Name:
           ------------------------

As to the Corporation

------------------------------------         -----------------------------------
                                             Nigel Gray
Print Name:
           -------------------------

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

Print Name:
           ------------------------

As to Nigel Gray

       [signature page to option agreement between goldenaccess.com. inc.
                                 and Nigel Gray]

                                      -3-
<PAGE>   12

                                OPTION AGREEMENT

                                      DATED

                               ____________, 2000

                                    PARTIES:
                                    -------

Goldenaccess.com, Inc., a Florida corporation (the "Corporation"), with an
address at ______________________________________________________________.

Clifford Y. Pierce ("Pierce"), with an address at ________________________.

                                    RECITALS:
                                    --------

         WHEREAS, Pierce is Chairman & President of the Corporation.

         WHEREAS, the Corporation desires to grant to Pierce an option to
acquire 120,000 shares of the common stock of the Corporation at the price and
upon the terms hereinafter set forth.

         NOW THEREFORE, in consideration of the receipt of $1.00 and other good
and valuable consideration, the sufficiency and receipt of which is hereby
acknowledged, the parties hereby agree upon the following terms.

                                     TERMS:
                                     -----

     1.  OPTION.

         Pierce is hereby granted the right to acquire ONE HUNDRED AND TWENTY
THOUSAND (120,000) shares of the common stock of the Corporation, during the
period commencing on the date of this Option Agreement and ending on the fifth
anniversary of the date of this Option Agreement (the "Option Period") at a
price of three dollars and seventy-five cents ($3.75) per share (the "Option").

     2.  RESTRICTION ON TIME OF EXERCISE.

         The Option may not be exercised, in whole or in part, until the date
that is six (6) months following the effective date of the first Registration
Statement of the Corporation.

     3.  MINIMUM EXERCISE.

         Subject to the terms of Section 2, above, the Option may be exercised
in whole or in part, from time to time and at any time and at multiple times
during the Option Period, but for an amount of no less than 5,000 shares at any
one time.

<PAGE>   13

     4.  PAYMENT OF THE PURCHASE PRICE OF SHARES.

         Payment for the purchase of shares pursuant to the Option shall be made
by cashier's check, attorney's trust account check, or wire transfer, at a
closing to be held no later that 30 days after delivery of notice of exercise of
rights under the Option.

     5.  ADJUSTMENT OF OPTION SHARES AND OPTION PRICE.

         The number of shares subject to the Option shall be adjusted for any
stock dividend, subdivision, split-up or combination or exchange of common stock
of the Corporation, and the purchase price of each share shall be adjusted
accordingly.

     6.  TRANSFERABILITY.

         This Agreement and all rights hereunder shall not be transferable by
Pierce at any time without the prior written consent of the Corporation. This
Agreement and all the rights hereunder shall be binding upon and inure to the
benefit of the parties hereto and their respective successors, assigns and
transferees.

     7.  GOVERNING LAW.

         This Agreement is executed and delivered in, and shall be governed by
and construed in accordance with, the laws of the State of Florida.

     8.  AMENDMENT.

         This Agreement, or any provision hereof, may not be amended, changed or
modified without the written consent of each of the parties hereto.

     9.  NOTICES.

         Any notice to be given hereunder shall be in writing, and shall be
delivered personally, or by a service obtaining a receipt for delivery, or by
registered or certified mail, postage prepaid, return receipt requested,
addressed to the party at the address shown above or such changed address as to
which notice has previously been given hereunder, and deemed given when so
delivered or 3 days after such mailing.

<PAGE>   14

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed and delivered as of the date first above written.

WITNESSES:                              GOLDENACCESS.COM, INC., a Florida
                                        corporation

----------------------------------      By:
                                           -------------------------------------
                                           Clifford Y. Pierce, President
Print Name:
           ----------------------

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

Print Name:
           ----------------------

As to the Corporation

---------------------------------       ----------------------------------------
                                        Clifford Y. Pierce
Print Name:
           ----------------------

---------------------------------
Print Name:
           ----------------------

As to Clifford Y. Pierce

       [signature page to option agreement between goldenaccess.com. inc.
                             and Clifford Y. Pierce]

                                      -3-

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