Document:

CYBEROPTICLABS, INC.
                           2001 EQUITY INCENTIVE PLAN

     This  Cyberopticlabs,  Inc.  2001  Equity  Incentive  Plan (the  "Plan") is
established  by  Cyberopticlabs,  Inc., a Nevada  corporation  (the  "Company"),
effective as of January 5, 2001 (the "Effective Date"),  subject to the approval
of the  shareholders  of the  Company  within  twelve  (12)  months  thereafter.
Capitalized  terms not  otherwise  defined  shall have the meanings set forth in
Section 25.

     1. Purpose. The Plan is intended to provide qualifying Employees (including
officers and  Directors),  Independent  Directors  and  Consultants  with equity
ownership in the Company,  thereby strengthening their commitment to the success
of the  Company,  promoting  the  identity of  interests  between the  Company's
shareholders  and such  Employees,  Independent  Directors and  Consultants  and
stimulating their efforts on behalf of the Company, and to assist the Company in
attracting and retaining talented personnel.

     2. Scope of the Plan.  Subject to adjustment in accordance with Section 20,
the total number of Shares for which grants under the Plan shall be available is
5,000,000. If any Shares subject to any Award granted hereunder are forfeited or
such Award otherwise terminates without the issuance of such Shares or for other
consideration  in lieu of such Shares,  the Shares subject to such Award, to the
extent of any such forfeiture or termination, shall again be available for grant
under  the  Plan.  Shares  awarded  under  the Plan may be  treasury  shares  or
newly-issued shares.

     3.   Administration.

         (a) The Plan shall be  administered  by a Committee which shall consist
of at least  two or more  members  of the  Board,  all of  whom,  so long as the
Company  remains a Public  Company,  shall qualify as  "non-employee  directors"
under  Section  (b)(3)(i) of Rule 16b-3.  The number of members of the Committee
may from time to time be  increased  or  decreased,  and so long as the  Company
remains a Public  Company,  shall be  subject to such  conditions,  as the Board
deems  appropriate  to permit  transactions  in Shares  pursuant  to the Plan to
satisfy such conditions of Rule 16b-3 as then in effect.

         (b) Subject to the express  provisions  of the Plan,  the Committee has
full and final authority and discretion as follows:

                  (i) to determine when and to whom Awards should be granted and
         the  terms,  conditions  and  restrictions  applicable  to each  Award,
         including, without limitation, (A) the exercise price of the Award, (B)
         the method of payment  for Shares  purchased  upon the  exercise of the
         Award, (C) the method of satisfaction of any tax withholding obligation
         arising  in  connection  with the  Award,  (D) the  timing,  terms  and
         conditions  of the  exercisability  of the Award or the  vesting of any
         Shares  acquired  upon  the  exercise

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         thereof,  (E) the time of the  expiration  of the vesting of any Shares
         acquired  upon the exercise  thereof,  (F) the effect of the  Grantee's
         termination  of  employment  or service  with the Company on any of the
         foregoing,  (G) all other terms, conditions and restrictions applicable
         to the  Award or such  Shares  not  inconsistent  with the terms of the
         Plan, (H) the benefit payable under any SAR or Performance  Share,  and
         (I)  whether or not  specific  Awards  shall be  identified  with other
         specific  Awards,  and,  if  so,  whether  they  shall  be  exercisable
         cumulatively with, or alternatively to, such other specific Awards;

                  (ii) to determine the amount, if any, that a Grantee shall pay
         for Restricted Shares, whether to permit or require the payment of cash
         dividends  thereon to be deferred and the terms related  thereto,  when
         Restricted  Shares  (including  Restricted  Shares  acquired  upon  the
         exercise of any Award) shall be forfeited and whether such Shares shall
         be held in escrow;

                  (iii) to  interpret  the  Plan and to make all  determinations
         necessary or advisable for the administration of the Plan;

                  (iv) to make, amend and rescind rules, guidelines and policies
         relating  to the  Plan,  or to adopt  supplements  to,  or  alternative
         versions  of,  the Plan,  including,  without  limitation,  rules  with
         respect to the  exercisability  and  forfeitability  of Awards upon the
         termination of employment or service of a Grantee;

                  (v) to determine the terms, conditions and restrictions of all
         Award Agreements (which need not be identical) and, with the consent of
         the Grantee, to amend any such Award Agreement at any time, among other
         things,  to permit  transfers of such Awards to the extent permitted by
         the Plan,  except that the consent of the Grantee shall not be required
         for any amendment which (A) does not adversely affect the rights of the
         Grantee  or  (B)  is  necessary  or  advisable  (as  determined  by the
         Committee)  to carry  out the  purpose  of the Award as a result of any
         change in applicable law;

                  (vi) to cancel,  with the consent of the Grantee,  outstanding
         Awards and to grant new Awards in substitution therefor;

                  (vii) to accelerate the  exercisability  of, and to accelerate
         or  waive  any  or  all  of  the  terms,  conditions  and  restrictions
         applicable  to,  any Award or any group of Awards for any reason and at
         any time,  including in  connection  with a  termination  of employment
         (other than for Cause);

                  (viii)  subject to  Section  6(c),  to extend the time  during
         which any Award or group of Awards may be exercised;

                  (ix) to make such  adjustments or  modifications  to Awards to
         Grantees  working outside the United States as are advisable to fulfill
         the purposes of the Plan;

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                  (x)  to  impose  such   additional   terms,   conditions   and
         restrictions  upon the grant,  exercise or  retention  of Awards as the
         Committee  may,  before  or  concurrent  with the grant  thereof,  deem
         appropriate; and

                  (xi) to take any other  action  with  respect  to any  matters
         relating to the Plan for which it is responsible.

                  The  determination of the Committee on all matters relating to
         the Plan or any Award Agreement shall be final.

         4.  Indemnification  and  Reimbursement.  Service  as a  member  of the
Committee or any other duly appointed subcommittee shall constitute service as a
Board  member,   and  such  members  shall   accordingly  be  entitled  to  full
indemnification  and reimbursement as Board members for their service as members
of the Committee or any other duly appointed subcommittee. No Committee or other
duly appointed  subcommittee member shall be liable for any act or omission made
in good faith with respect to the Plan or any Award granted under the Plan.

         5. Eligibility.  The Committee may, in its discretion,  grant Awards to
any Eligible Person,  whether or not he or she has previously received an Award,
except in the case of an ISO,  which can only be granted to an  Employee  of the
Company or any Subsidiary.

         6. Conditions to Grants.

            (a) General  Conditions.  Awards shall be evidenced by written Award
Agreements  specifying the number of Shares covered thereby, in such form as the
Committee  shall from time to time establish.  Award  Agreements may incorporate
all or any of the terms of the Plan by  reference  and shall  comply with and be
subject to the following terms and conditions:

                  (i) The Grant Date of an Award  shall be the date on which the
         Committee  grants the Award or such later date as  specified in advance
         by the Committee;

                  (ii) In the case of an Award of options, the Option Term shall
         under no circumstances  extend more than ten (10) years after the Grant
         Date and shall be subject to earlier  termination  as herein  provided;
         and

                  (iii) Any terms  and  conditions  of an Award not set forth in
         the Plan  shall be set forth in the  Award  Agreement  related  to that
         Award.

           (b) Grant of Options. No later than the Grant Date of any option, the
Committee  shall  determine the Option Price of such option.  Subject to Section
6(c),  the Option  Price of an option may be the Fair Market Value of a Share on
the Grant  Date or may be less than or more than  that  Fair  Market  Value.  An
option shall be exercisable for unrestricted Shares,  unless the Award Agreement
provides that it is exercisable for Restricted Shares.

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           (c)  Grant of  ISOs.  At the time of the  grant  of any  option,  the
Committee  may, in its  discretion,  designate  that such  option  shall be made
subject  to  additional  restrictions  to permit  the  option to  qualify  as an
"incentive  stock option" under the requirements of Section 422 of the Code. Any
option designated as an ISO:

                  (i) shall have an Option  Price that is not less than the Fair
         Market  Value of a Share on the Grant  Date and,  if  granted  to a Ten
         Percent  Owner,  have an Option Price that is not less than 110% of the
         Fair Market Value of a Share on the Grant Date;

                  (ii)  shall be for a period  of not more  than ten (10)  years
         and, if granted to a Ten Percent  Owner,  not more than five (5) years,
         from the Grant  Date and shall be subject  to  earlier  termination  as
         provided herein or in the applicable Award Agreement;

                  (iii)  shall  meet  the   limitations  of  this   subparagraph
         6(c)(iii). If the aggregate Fair Market Value of Shares with respect to
         which ISOs first become  exercisable  by a Grantee in any calendar year
         exceeds the limit  determined  in  accordance  with the  provisions  of
         Section  422 of the Code  (the  "Limit")  taking  into  account  Shares
         subject  to all  ISOs  granted  by the  Company  that  are  held by the
         Grantee,  the  excess  will be  treated  as  nonqualified  options.  To
         determine  whether  the Limit is  exceeded,  the Fair  Market  Value of
         Shares  subject to options shall be determined as of the Grant Dates of
         the options.  In reducing the number of options treated as ISOs to meet
         the Limit,  the most recently granted options will be reduced first. If
         a reduction of simultaneously  granted options is necessary to meet the
         Limit,  the Committee  may designate  which Shares are to be treated as
         Shares acquired pursuant to an ISO;

                  (iv) shall be granted within ten (10) years from the Effective
         Date;

                  (v) shall  require the Grantee to notify the  Committee of any
         disposition of any Shares issued upon the exercise of the ISO under the
         circumstances  described  in Section  421(b) of the Code  (relating  to
         certain  disqualifying  dispositions,  a "Disqualifying  Disposition"),
         within ten (10) business days after such Disqualifying Disposition; and

                  (vi)  unless  otherwise  permitted  by the Code,  shall by its
         terms not be assignable or transferable  other than by will or the laws
         of descent and distribution and may be exercised,  during the Grantee's
         lifetime,  only  by the  Grantee,  except  that  the  Grantee  may,  in
         accordance  with  Section  7,  designate  in writing a  beneficiary  to
         exercise his or her ISOs after the Grantee's death.

           (d) Grant of SARs.

                  (i) When granted, SARs may, but need not, be identified with a
         specific option,  specific  Restricted Shares, or specific  Performance
         Shares of the Grantee

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         (including any option, Restricted Shares, or Performance Shares granted
         on or  before  the  Grant  Date of the  SARs) in a  number  equal to or
         different  from the number of SARs so granted.  If SARs are  identified
         with  Shares  subject to an option,  with  Restricted  Shares,  or with
         Performance  Shares,  then, unless otherwise provided in the applicable
         Award Agreement, the Grantee's associated SARs shall terminate upon (A)
         the  expiration,  termination,  forfeiture,  or  cancellation  of  such
         option,  Restricted Shares or Performance  Shares,  (B) the exercise of
         such  option or  Performance  Shares,  or (C) the date such  Restricted
         Shares become nonforfeitable.

                  (ii) The strike  price (the  "Strike  Price") of any SAR shall
         equal, for any SAR that is identified with an option,  the Option Price
         of such option, or for any other SAR, one hundred percent (100%) of the
         Fair Market Value of a Share on the Grant Date of such SAR, except that
         the  Committee  may (A)  specify  a higher  Strike  Price in the  Award
         Agreement or (B) provide that the benefit  payable upon exercise of any
         SAR shall not exceed  such  percentage  of the Fair  Market  Value of a
         Share on such Grant Date as the Committee shall specify.

           (e) Grant of Performance Shares.

                  (i)  Before the grant of  Performance  Shares,  the  Committee
         shall:

                      (A)  determine  objective  performance  goals,  which  may
           consist of any one or more of the following goals deemed  appropriate
           by the Committee: earnings (either in the aggregate or on a per share
           basis),   operating  income,   cash  flow,  EBITDA  (earnings  before
           interest,  taxes,  depreciation and amortization),  return on equity,
           indices  related to EVA  (economic  value  added),  per share rate of
           return on the Common Stock  (including  dividends),  general  indices
           relative  to levels of  general  customer  service  satisfaction,  as
           measured through various randomly-generated customer service surveys,
           market  share (in one or more  markets),  customer  retention  rates,
           market penetration rates, revenues, reductions in expense levels, the
           attainment  by the Common  Stock of a  specified  market  value for a
           specified  period of time,  and any  other  object  performance  goal
           deemed appropriate by the Committee, in each case where applicable to
           be determined either on a company-wide basis,  individual basis or in
           respect  of any  one or  more  business  units,  and  the  amount  of
           compensation under the goals applicable to such grant;

                      (B) designate a period for the  measurement  of the extent
           to  which   performance   goals   are   attained,   which  may  begin
           simultaneously  with,  prior to or  following  the  Grant  Date  (the
           "Performance Period"); and

                      (C)  assign  a  performance  percentage  to each  level of
           attainment of performance goals during the Performance  Period,  with
           the percentage  applicable to minimum  attainment  being zero percent
           and the percentage

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           applicable  to maximum  attainment  to be determined by the Committee
           from time to time (the "Performance Percentage").

                  (ii) If a Grantee is promoted,  demoted,  or  transferred to a
         different  business unit of the Company  during a  Performance  Period,
         then,  to the extent the  Committee  determines  any one or more of the
         performance goals,  Performance Period or Performance Percentage are no
         longer  appropriate,  the Committee may make any changes  thereto as it
         deems appropriate in order to make them appropriate.

                  (iii) When granted,  Performance  Shares may, but need not, be
         identified  with  Shares  subject  to  a  specific   option,   specific
         Restricted  Shares or specific  SARs of the Grantee  granted  under the
         Plan  in a  number  equal  to or  different  from  the  number  of  the
         Performance Shares so granted. If Performance Shares are so identified,
         then, unless otherwise provided in the applicable Award Agreement,  the
         Grantee's  associated  Performance  Shares shall terminate upon (A) the
         expiration,  termination,  forfeiture  or  cancellation  of the option,
         Restricted  Shares  or SARs  with  which  the  Performance  Shares  are
         identified,  (B) the  exercise of such option or SARs,  or (C) the date
         Restricted Shares become nonforfeitable.

           (f) Grant of Restricted Shares.

                  (i) The Committee shall  determine the amount,  if any, that a
         Grantee  shall pay for  Restricted  Shares,  subject  to the  following
         sentence.  The Committee  shall require the Grantee to pay at least the
         Minimum  Consideration for each Restricted Share. Such payment shall be
         made in full by the  Grantee  before the  delivery of the shares and in
         any event no later than ten (10) business days after the Grant Date. In
         the  discretion of the  Committee  and to the extent  permitted by law,
         payment may also be made in accordance with Section 9.

                  (ii) The Committee may, but need not,  provide that all or any
         portion of a Grantee's Restricted Shares, or Restricted Shares acquired
         upon exercise of an option, shall be forfeited:

                      (A) except as otherwise specified in the Plan or the Award
           Agreement,  upon the Grantee's  termination  of  employment  within a
           specified time period after the Grant Date; or

                      (B) if  the  Company  or  the  Grantee  does  not  achieve
           specified  performance  goals (if any) within a specified time period
           after  the  Grant  Date  and  before  the  Grantee's  termination  of
           employment; or

                      (C) upon failure to satisfy such other  conditions  as the
           Committee may specify in the Award Agreement.

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                  (iii) If  Restricted  Shares are forfeited and the Grantee was
         required to pay for such shares or acquired such Restricted Shares upon
         the exercise of an option,  the Grantee  shall be deemed to have resold
         such Restricted Shares to the Company at a price equal to the lesser of
         (A) the amount paid by the Grantee  for such  Restricted  Shares or (B)
         the  Fair  Market  Value  of  the  Restricted  Shares  on the  date  of
         forfeiture,  which  shall  be  paid to the  Grantee  in cash as soon as
         administratively  practicable. Such Restricted Shares shall cease to be
         outstanding  and shall no  longer  confer on the  Grantee  thereof  any
         rights as a shareholder of the Company,  from and after the date of the
         event causing the  forfeiture,  whether or not the Grantee  accepts the
         Company's tender of payment for such Restricted Shares.

                  (iv) The Committee may provide that the  certificates  for any
         Restricted  Shares  (A)  shall  be held  (together  with a stock  power
         executed  in blank by the  Grantee) in escrow by the  Secretary  of the
         Company  until such  Restricted  Shares  become  nonforfeitable  or are
         forfeited  or (B) shall  bear an  appropriate  legend  restricting  the
         transfer of such  Restricted  Shares.  If any Restricted  Shares become
         nonforfeitable, the Company shall cause certificates for such shares to
         be issued without such legend.

                  (v) At the time of a grant of Restricted Shares, the Committee
         may require the payment of cash  dividends  thereon to be deferred and,
         if the Committee so  determines,  reinvested  in additional  Restricted
         Shares.  Stock dividends or deferred cash dividends issued with respect
         to  Restricted  Shares  shall be subject to the same  restrictions  and
         other terms as apply to the  Restricted  Shares  with  respect to which
         such dividends are issued.  The Committee may in its discretion provide
         for payment of interest on deferred cash dividends.

           (g) Grant of Stock  Bonuses.  The Committee may grant Bonus Shares to
any Eligible Employee.

         7.  Non-Transferability.  An  Award  granted  hereunder  shall  not  be
assignable  or  transferable  other  than  by will or the  laws of  descent  and
distribution  and may be exercised  during the  Grantee's  lifetime  only by the
Grantee or his or her guardian or legal representative,  except that, subject to
Section 6(c) in respect of ISOs,  a Grantee may, if permitted by the  Committee,
in its  discretion,  (a) designate in writing a beneficiary to exercise an Award
after his or her death (if that  designation  has been  received  by the Company
prior to the Grantee's  death) and (b) transfer the Award to one or more members
of the Grantee's Immediate Family or any other individuals or entities.

         8. Exercise.

           (a) Exercise of Options.

                  (i) Subject to Section 6, each option shall become exercisable
         at such time or times as may be specified by the Committee from time to
         time in the applicable Award Agreement.

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                  (ii) An  option  shall be  exercised  by the  delivery  to the
         Company  during  the Option  Term of (A) a written  notice of intent to
         purchase  a  specific  number  of  Shares  subject  to  the  option  in
         accordance  with the terms of the  option  by the  person  entitled  to
         exercise the option and (B) payment in full of the Option Price of such
         specific number of Shares in accordance with Section 8(a)(iii).

                  (iii)  Payment of the  Option  Price may be made by any one or
         more of the following means:

                           (A) cash, check, or wire transfer;

                           (B)  with  the  approval  of  the  Committee,  Mature
                  Shares,  valued  at  their  Fair  Market  Value on the date of
                  exercise;

                           (C) with the  approval of the  Committee,  Restricted
                  Shares held by the  Grantee for at least six (6) months  prior
                  to the  exercise of the option,  each such share valued at the
                  Fair Market Value of a Share on the date of exercise;

                           (D) so long as the Company  remains a Public Company,
                  in  accordance  with  procedures  previously  approved  by the
                  Company,  through the sale of the Shares  acquired on exercise
                  of the  option  through  a bank or  broker-dealer  to whom the
                  Grantee has  submitted an  irrevocable  notice of exercise and
                  irrevocable  instructions  to deliver  promptly to the Company
                  the amount of sale or loan proceeds sufficient to pay for such
                  Shares, together with, if requested by the Company, the amount
                  of federal,  state, local or foreign withholding taxes payable
                  by Grantee by reason of such exercise; or

                           (E) in the discretion of the  Committee,  payment may
                  also be made in accordance with Section 9.

                           (F)  with  the  approval  of  the  Committee,  in any
                  combination  of the foregoing or such other manner  determined
                  by the Committee.

The Committee may in its discretion specify that, if any Restricted Shares are
used to pay the Option Price ("Tendered Restricted Shares"), (A) all the Shares
acquired on exercise of the option shall be subject to the same restrictions as
the Tendered Restricted Shares, determined as of the date of exercise of the
option or (B) a number of Shares acquired on exercise of the option equal to the
number of Tendered Restricted Shares shall be subject to the same restrictions
as the Tendered Restricted Shares, determined as of the date of exercise of the
option.

         (b) Exercise of SARs.

                  (i) Subject to Section 6(d), (A) each SAR not identified  with
         any other Award shall become  exercisable  at such time or times as may
         be specified by the

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         Committee from time to time in the applicable  Award  Agreement and (B)
         except as otherwise  provided in the applicable Award  Agreement,  each
         SAR which is identified  with any other Award shall become  exercisable
         as and to the extent  that the option or  Restricted  Shares with which
         such SAR is identified may be exercised or becomes  nonforfeitable,  as
         the case may be.

                  (ii) SARs shall be  exercised  by  delivery  to the Company of
         written notice of intent to exercise a specific number of SARs.  Unless
         otherwise  provided in the applicable Award Agreement,  the exercise of
         SARs that are identified with Shares subject to an option or Restricted
         Shares shall result in the cancellation or forfeiture of such option or
         Restricted Shares, as the case may be, to the extent of such exercise.

                  (iii) The benefit for each SAR exercised shall be equal to (A)
         the Fair Market  Value of a Share on the date of such  exercise,  minus
         (B) the Strike  Price  specified  in such SAR.  Such  benefit  shall be
         payable in cash,  except  that the  Committee  may provide in the Award
         Agreement that benefits may be paid wholly or partly in Shares.

         (c) Payment of Performance  Shares.  Unless  otherwise  provided in the
Award Agreement with respect to an Award of Performance  Shares,  if the minimum
performance  goals  applicable  to such  Performance  Shares have been  achieved
during the  applicable  Performance  Period,  then the Company  shall pay to the
Grantee of such Award that number of Shares equal to the product of:

                  (i) the sum of (A) number of Performance  Shares  specified in
         the applicable Award Agreement and (B) the number of additional  Shares
         that  would  have been  issuable  if such  Performance  Shares had been
         Shares  outstanding  throughout  the  Performance  Period and the stock
         dividends,  cash dividends  (except as otherwise  provided in the Award
         Agreement),  and other property paid in respect of such Shares had been
         reinvested  in  additional  Shares as of each  dividend  payment  date,
         multiplied by

                  (ii)  the   Performance   Percentage   achieved   during  such
         Performance Period.

The Committee  may, in its  discretion,  determine  that cash be paid in lieu of
some or all of such Shares.  The amount of cash payable in lieu of a Share shall
be determined by valuing such Share at its Fair Market Value on the business day
immediately  preceding  the date such cash is to be paid.  Payments  pursuant to
this Section 8 shall be made as soon as administratively practical after the end
of the applicable  Performance  Period.  Any Performance  Shares with respect to
which the  performance  goals  shall not have  been  achieved  by the end of the
applicable Performance Period shall expire.

         9. Loans.  The Committee may in its discretion allow a Grantee to defer
payment  to the  Company of all or any  portion  of (a) the  Option  Price of an
option, (b) the purchase price of Restricted Shares, or (c) any taxes associated
with the  exercise,  nonforfeitability  of, or payment of benefits in connection
with, an Award.  Any such payment deferral by the Company shall be

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on such terms and  conditions  as the  Committee  may  determine,  except that a
Grantee  shall  not be  entitled  to defer the  payment  of such  Option  Price,
purchase  price,  or any  related  taxes  unless the  Grantee  (a) enters into a
binding obligation to pay the deferred amount and (b) other than with respect to
treasury shares,  pays upon exercise of an option or grant of Restricted Shares,
as applicable,  an amount at least equal to the Minimum Consideration  therefor.
If the  Committee  has  permitted  a payment  deferral in  accordance  with this
Section 9, then the Committee may require the immediate payment of such deferred
amount upon the Grantee's  termination  of employment or if the Grantee sells or
otherwise  transfers his or her Shares purchased pursuant to such deferral.  The
Committee may at any time in its discretion  forgive the repayment of any or all
of the principal of, or interest on, any such deferred payment obligation.

         10.  Notification  under Section 83(b).  If the Grantee,  in connection
with the  exercise of any option or the grant of  Restricted  Shares,  makes the
election  permitted under Section 83(b) of the Code to include in such Grantee's
gross income in the year of transfer the amounts  specified in Section  83(b) of
the Code,  then such  Grantee  shall  notify the  Company,  in writing,  of such
election  within ten (10) days after filing the notice of the election  with the
Internal  Revenue Service,  in addition to any filing and notification  required
pursuant to  regulations  issued under Section 83(b) of the Code.  The Committee
may,  in  connection  with the  grant  of an  Award  or at any time  thereafter,
prohibit a Grantee from making the election described in this Section 10.

         11. Mandatory Tax Withholding.

             (a)  Whenever  under  the Plan,  Shares  are to be  delivered  upon
exercise   or  payment  of  an  Award  or  upon   Restricted   Shares   becoming
nonforfeitable,  or  any  other  event  with  respect  to  rights  and  benefits
hereunder,  the Company  shall be entitled to require (i) that the Grantee remit
an amount in cash,  or in the Company's  discretion,  Mature Shares or any other
form of  consideration,  sufficient to satisfy all federal,  state and local tax
withholding  requirements  related thereto  ("Required  Withholding"),  (ii) the
withholding of such Required Withholding from compensation  otherwise due to the
Grantee  or from any  Shares  due to the  Grantee  under the Plan,  or (iii) any
combination of the foregoing.

             (b)  Any  Grantee  who  makes  a  Disqualifying  Disposition  or an
election  under  Section  83(b) of the Code shall remit to the Company an amount
sufficient to satisfy all resulting Required Withholding, except that in lieu of
or in addition to the  foregoing,  the Company  shall have the right to withhold
such Required Withholding from compensation otherwise due to the Grantee or from
any Shares or other payment due to the Grantee under the Plan.

             (c) Any  surrender  by a Section  16 Grantee  of  previously  owned
shares of Common Stock to satisfy tax  withholding  arising upon exercise of the
Award must comply with the applicable provisions of Rule 16b-3(e) under the 1934
Act.

         12. Elective Share Withholding.  At the Company's discretion, a Grantee
may,  with the prior  consent of the  Committee,  elect the  withholding  by the
Company of a portion of the Shares  otherwise  deliverable  to such Grantee upon
the  exercise  of an Award or upon  Restricted

                                       10
<PAGE>

Shares becoming  nonforfeitable  (each, a "Taxable  Event") having a Fair Market
Value equal to the minimum amount necessary to satisfy the Required  Withholding
liability attributable to the Taxable Event.

         13. Termination of Employment.

             (a) For Cause.  Except as otherwise provided by the Committee in an
Award  Agreement,  if a Grantee's  employment is terminated  for Cause,  (i) the
Grantee's  Restricted  Shares (and any SARs identified  therewith) that are then
forfeitable  shall on the date of the  Grantee's  termination  of  employment be
forfeited on such date, subject to the provisions of Section 6(f)(iii) regarding
repayment of certain amounts to the Grantee;  and (ii) any  unexercised  option,
SAR or  Performance  Share  shall  terminate  effective  immediately  upon  such
termination of employment.

             (b) On  Account  of Death.  Except  as  otherwise  provided  by the
Committee  in the Award  Agreement,  if a  Grantee's  employment  terminates  on
account of death, then:

                          (i) the  Grantee's  Restricted  Shares  (and  any SARs
             identified  therewith) that are then forfeitable  shall on the date
             of the  Grantee's  termination  of  employment be forfeited on such
             date;

                          (ii) any  unexercised  option  or SAR,  to the  extent
             exercisable on the date of such  termination of employment,  may be
             exercised, in whole or in part, within the first twelve (12) months
             after such  termination  of employment  (but only during the Option
             Term)  after the death of the  Grantee  by (A) his or her  personal
             representative  or by the  person  to whom the  option  or SAR,  as
             applicable,  is  transferred  by  will  or the  applicable  laws of
             descent and distribution, (B) the Grantee's designated beneficiary,
             or (C) a Permitted Transferee; and

                          (iii)  any  unexercised   Performance  Shares  may  be
             exercised  in whole or in part,  at any time  within six (6) months
             after such termination of employment on account of the death of the
             Grantee, by (A) his or her personal representative or by the person
             to whom  the  Performance  Shares  are  transferred  by will or the
             applicable  laws of descent  and  distribution,  (B) the  Grantee's
             designated beneficiary, or (C) a Permitted Transferee,  except that
             the benefit  payable  with  respect to any  Performance  Shares for
             which the  Performance  Period has not ended as of the date of such
             termination of employment on account of death shall be equal to the
             product of Fair Market Value of such Performance  Shares multiplied
             successively by each of the following:

                                       (A) a fraction, the numerator of which is
                          the number of months  (including  as a whole month any
                          partial month) that has elapsed since the beginning of
                          such  Performance   Period  until  the  date  of  such
                          termination of employment and the denominator of which
                          is the number of months  (including  as a whole  month
                          any partial month) in the Performance Period; and

                                       11
<PAGE>

                                       (B)  a  percentage   determined   in  the
                          discretion of the Committee that would be earned under
                          the terms of the applicable  Award Agreement  assuming
                          that the rate at which the performance goals have been
                          achieved  as  of  the  date  of  such  termination  of
                          employment   would  continue  until  the  end  of  the
                          Performance  Period,  or, if the  Committee  elects to
                          compute the benefit  after the end of the  Performance
                          Period, the Performance  Percentage,  as determined by
                          the Committee,  attained during the Performance Period
                          for such Performance Shares.

             (c) On Account of Disability.  Except as otherwise  provided by the
Committee  in the Award  Agreement,  if a  Grantee's  employment  terminates  on
account of Disability, then:

                          (i) the  Grantee's  Restricted  Shares  (and  any SARs
             identified  therewith) that are then forfeitable  shall on the date
             of the  Grantee's  termination  of  employment be forfeited on such
             date;

                          (ii) any  unexercised  option  or SAR,  to the  extent
             exercisable on the date of such  termination of employment,  may be
             exercised in whole or in part,  within the first twelve (12) months
             after such  termination  of employment  (but only during the Option
             Term) by the Grantee, or by (A) his or her personal  representative
             or by the  person to whom the  option  or SAR,  as  applicable,  is
             transferred  by  will  or  the  applicable   laws  of  descent  and
             distribution,  (B) the Grantee's designated  beneficiary,  or (C) a
             Permitted Transferee; and

                          (iii)  any  unexercised   Performance  Shares  may  be
             exercised  in whole or in part,  at any time  within six (6) months
             after such  termination  of  employment on account of Disability by
             the Grantee, or by (A) his personal representative or by the person
             to whom  the  Performance  Shares  are  transferred  by will or the
             applicable  laws of descent  and  distribution,  (B) the  Grantee's
             designated beneficiary, or (C) a Permitted Transferee,  except that
             the benefit  payable  with  respect to any  Performance  Shares for
             which the  Performance  Period has not ended as of the date of such
             termination  of employment on account of Disability  shall be equal
             to the product of the Fair Market Value of the  Performance  Shares
             multiplied successively by each of the following:

                                       (A) a fraction, the numerator of which is
                          the number of months  (including  as a whole month any
                          partial  month) that have elapsed  since the beginning
                          of such  Performance  Period  until  the  date of such
                          termination of employment and the denominator of which
                          is the number of months  (including  as a whole  month
                          any partial month) in the Performance Period; and

                                       (B)  a  percentage   determined   in  the
                          discretion of the Committee that would be earned under
                          the terms of the applicable  Award Agreement  assuming
                          that the rate at which the performance goals have been
                          achieved  as  of  the  date  of  such  termination  of
                          employment   would  continue  until  the  end  of  the
                          Performance  Period,  or, if the  Committee  elects to
                          compute the

                                       12
<PAGE>

                          benefit after the end of the Performance  Period,  the
                          Performance   Percentage,   as   determined   by   the
                          Committee,  attained during the Performance Period for
                          such Performance Shares.

             (d) Any  Reason  Other  Than For  Cause Or On  Account  of Death or
Disability.  Except  as  otherwise  provided  by  the  Committee  in  the  Award
Agreement,  if a Grantee's  employment  terminates for any reason other than for
Cause,  or on account of death or  Disability,  then:

                          (i) the  Grantee's  Restricted  Shares  (and  any SARs
             identified therewith),  that are then forfeitable shall on the date
             of the  Grantee's  termination  of  employment be forfeited on such
             date;

                          (ii) any  unexercised  option or SAR (other than a SAR
             identified with a Restricted  Share or Performance  Share),  to the
             extent exercisable  immediately before the Grantee's termination of
             employment,  may be exercised  in whole or in part,  not later than
             three (3) months after such  termination  of  employment  (but only
             during the Option Term); and

                          (iii) the Grantee's  Performance  Shares (and any SARs
             identified  therewith) shall terminate  effective  immediately upon
             such termination of employment.

         14.  Substituted  Awards.  If the Committee  cancels any Award (whether
granted  under the Plan or any plan of any entity  acquired  by the Company or a
Subsidiary),  the  Committee  may,  in its  discretion,  substitute  a new Award
therefor  upon  such  terms  and  conditions  consistent  with  the  Plan as the
Committee may determine, except that (a) the Option Price of any new option, and
the  Strike  Price of any new SAR,  shall not be less than one  hundred  percent
(100%) (one hundred ten percent (110%) in the case of an incentive  stock option
granted to a Ten Percent  Owner) of the Fair Market Value of a Share on the date
of the grant of the new Award;  and (b) the Grant Date of the new Award shall be
the date on which such new Award is granted.

         15  Securities Law Matters.

             (a) If the Committee  deems necessary to comply with any applicable
securities  law,  the  Committee  may  require  a  written   investment   intent
representation  by the  Grantee  and may require  that a  restrictive  legend be
affixed to certificates for Shares.  If, based upon the advice of counsel to the
Company, the Committee determines that the exercise or nonforfeitability  of, or
delivery  of  benefits  pursuant  to, any Award  would  violate  any  applicable
provision  of  (i)  federal  or  state  securities  laws  or  (ii)  the  listing
requirements  of any national  exchange or national  market  system on which are
listed any of the Company's equity  securities,  then the Committee may postpone
any such exercise, nonforfeitability or delivery, as applicable, but the Company
shall use all reasonable  efforts to cause such exercise,  nonforfeitability  or
delivery to comply with all such provisions at the earliest practicable date.

                                       13
<PAGE>

             (b) Grants of options to Section 16 Grantees shall comply with Rule
16b-3 and shall contain such  additional  conditions or  restrictions  as may be
required  thereunder  for such grants to qualify for  exemption  from  liability
under Section 16(b) of the 1934 Act.

         16. No Employment Rights. Neither the establishment of the Plan nor the
grant of any Award shall (a) give any  Grantee  the right to remain  employed by
the Company or any  Subsidiary or to any benefits not  specifically  provided by
the Plan or (b) modify the right of the  Company  or any  Subsidiary  to modify,
amend,  or terminate the Plan or any other  employee  benefit plan or employment
agreement.

         17. No Rights as a Shareholder.  A Grantee shall not have any rights as
a shareholder  of the Company with respect to the Shares (other than  Restricted
Shares) which may be deliverable upon exercise or payment of an Award until such
Shares have been delivered to him or her.  Restricted Shares,  whether held by a
Grantee or in escrow by the Company, shall confer on the Grantee all rights of a
shareholder  of the  Company,  except  as  otherwise  provided  in the  Plan  or
applicable Award Agreement.

         18. Nature of Payments.  Awards shall be special incentive  payments to
the  Grantee  and shall not be taken  into  account in  computing  the amount of
salary or  compensation  of the Grantee for purposes of determining any pension,
retirement,   death  or  other  benefit  under  (a)  any  pension,   retirement,
profit-sharing,  bonus,  insurance or other employee benefit plan of the Company
or any Subsidiary or (b) any agreement between (i) the Company or any Subsidiary
and (ii) the Grantee, except as such plan or agreement shall otherwise expressly
provide.

         19. Non-uniform  Determinations.  The Committee's  determinations under
the Plan need not be uniform and may be made by the Committee  selectively among
persons who  receive,  or are eligible to receive,  Awards,  whether or not such
persons  are  similarly  situated.   Without  limiting  the  generality  of  the
foregoing,  the  Committee  shall be  entitled  to enter  into  non-uniform  and
selective Award Agreements as to (a) the identity of the Grantees, (b) the terms
and provisions of Awards, including,  without limitation,  vesting and manner of
payment of purchase price upon exercise,  and (c) the treatment of  terminations
of employment.

         20. Adjustments. The Committee shall make equitable adjustment of:

             (a) the  aggregate  number of Shares  available  under the Plan for
Awards and the aggregate number of Shares for which Awards may be granted to any
individual  Grantee in any  calendar  year  pursuant  to the second  sentence of
Section 2;

             (b) the number of Shares,  SARs or Performance Shares covered by an
Award; and

             (c) the  Option  Price of all  outstanding  options  and the Strike
Price of all outstanding SARs;

                                       14
<PAGE>

to  reflect  a  stock  dividend,   stock  split,   reverse  stock  split,  share
combination,   recapitalization,  merger,  consolidation,  spin-off,  split-off,
reorganization,  rights  offering,  liquidation  or  similar  event of or by the
Company.

         21.  Amendment of the Plan. The Committee may from time to time, in its
discretion,  amend the Plan without the approval of the Company's  shareholders,
except  (a) as such  shareholder  approval  may be  required  under the  listing
requirements  of any securities  exchange or national market system on which are
listed  the  Company's  equity  securities  and (b) that the  Committee  may not
without the approval of the  Company's  shareholders  amend the Plan to increase
the total number of shares  reserved for the purposes of the Plan (other than in
accordance with Section 20).

         22.  Termination  of the Plan.  The Plan shall continue in effect until
the earlier of its  termination by the Committee or the date on which all of the
shares of Common Stock  available  for issuance  under the Plan have been issued
and all  restrictions  on such  shares  under  the  terms  of the  Plan  and the
agreements  evidencing Awards granted under the Plan have lapsed.  However,  all
Awards  shall be granted,  if at all,  within ten (10) years from the earlier of
the date  the  Plan is  adopted  by the  Committee  or the date the Plan is duly
approved by the shareholders of the Company.  Notwithstanding the foregoing,  if
the maximum number of shares of Common Stock  issuable  pursuant to the Plan has
been  increased at any time,  all Awards  shall be granted,  if at all, no later
than the last day preceding the ten (10) year  anniversary of the earlier of (a)
the date on which the latest such  increase  in the maximum  number of shares of
Common Stock  issuable  under the Plan was approved by the  shareholders  of the
Company  or (b) the  date  such  amendment  was  adopted  by the  Committee.  No
termination shall affect any Award then outstanding under the Plan.

         23. No Illegal  Transactions.  The Plan and all Awards granted pursuant
to it are subject to all applicable laws and  regulations.  Notwithstanding  any
provision of the Plan or any Award,  Grantees shall not be entitled to exercise,
or receive  benefits under any Award,  and the Company shall not be obligated to
deliver  any  Shares or  deliver  benefits  to a Grantee,  if such  exercise  or
delivery  would  constitute  a  violation  by the  Grantee or the Company of any
applicable law or regulation.

         24.  Constructive  Sales. The Grantee shall not directly or indirectly,
through  related  parties or otherwise,  "short" or "short  against the box" (as
those terms are generally  understood in the securities  markets),  or otherwise
directly or indirectly (through derivative  instruments or otherwise) dispose of
or hedge, any securities of the Company issuable upon exercise of such Grantee's
Award(s).

         25. Definitions.  The terms set forth below have the indicated meanings
which are applicable to both the singular and plural forms thereof:

             "Award"  shall mean options,  including  ISOs,  Restricted  Shares,
Bonus Shares, SARs or Performance Shares granted under the Plan.

                                       15
<PAGE>

             "Award  Agreement"  shall mean the  written  agreement  by which an
Award shall be evidenced.

             "Board" shall mean the Board of Directors of the Company.

             "Bonus  Shares"  shall mean  Shares  that are  awarded to a Grantee
without cost and without restrictions.

             "Cause",  with respect to any employee or consultant of the Company
shall have the  meaning  set forth in such  person's  employment  or  consulting
agreement or, in the absence of such an agreement or if such term is not defined
in such agreement, shall mean any one or more of the following, as determined by
the  Committee  (in the case of a Section  16  Grantee)  or the Chief  Executive
Officer or President of the Company (in the case of any other Grantee):

               (i) a Grantee's commission of a crime that is likely to result in
injury to the Company or a Subsidiary;

               (ii) the material violation by the Grantee of written policies of
the Company or a Subsidiary;

               (iii) the habitual  neglect by the Grantee in the  performance of
his or her duties to the Company or a Subsidiary; or

               (iv) a Grantee's  willful  misconduct  or inaction in  connection
with his or her duties to the Company or a  Subsidiary  resulting  in a material
injury to the Company or a Subsidiary.

             "Code" shall mean the Internal  Revenue Code of 1986, as amended or
superseded,  and  the  regulations  and  rulings  thereunder.   Reference  to  a
particular section of the Code shall include references to successor provisions.

             "Committee"  shall  mean  the  committee  of  the  Board  appointed
pursuant  to  Section  3(a),  or if not so  appointed  or  unable to act or with
reference to Awards to Independent Directors, shall mean the entire Board.

             "Common  Stock" shall mean the common  stock,  $0.001 par value per
share, of the Company.

             "Consultant"  shall mean any person,  including a Director,  who is
engaged by the Company or any Parent, Subsidiary or Affiliate thereof, to render
services  to or for the  benefit  of the  Company  and is  compensated  for such
services.

             "Director" shall mean a member of the Board.

                                       16
<PAGE>

             "Disability"  shall mean a permanent and total  disability,  within
the meaning of Section 22(e)(3) of the Code.

             "Effective  Date"  shall  mean  the date  set  forth  in the  first
paragraph hereof.

             "Eligible  Person" shall mean any Employee,  Consultant or Director
of the Company or any Subsidiary, including any prospective Employee or Employee
on an  approved  leave of absence or  layoff,  if such leave or layoff  does not
qualify as a Disability.

             "Employee" shall mean any person treated as an employee  (including
officers and directors) in the records of the Company (or Subsidiary) and who is
subject to the control and direction of the Company (or Subsidiary)  with regard
to both the work to be performed and the manner and method of  performance.  The
payment of a director's  fee by the Company (or  Subsidiary) to a Director shall
not be sufficient to constitute  "employment" of the Director by the Company (or
Subsidiary).

             "Fair Market  Value" per share of Common Stock on any relevant date
shall mean such value as determined in accordance with the following provisions:

             (i) If the  Common  Stock  is at that  time  listed  on a  national
securities  exchange,  then the Fair Market Value shall mean the closing selling
price per share of Common  Stock on the  exchange on which such Common  Stock is
principally traded on the relevant date or, if there were no sales on that date,
the closing  selling  price of such Common Stock on the last  preceding  date on
which there were sales.

                 (ii) If the Common  Stock is at that time  traded on the Nasdaq
National Market(R),  Nasdaq Small Cap MarketSM or OTC Bulletin Board(R),  as the
case may be, then the Fair Market Value shall mean the closing selling price per
share of Common  Stock on the  relevant  date,  as the price is  reported by the
National  Association of Securities  Dealers on the Nasdaq  National  Market(R),
Nasdaq Small Cap MarketSM or OTC Bulletin  Board(R),  as the case may be, or any
successor  system.  If there is no closing selling price for the Common Stock on
the relevant  date,  then the Fair Market  Value shall mean the closing  selling
price on the last preceding date for which such quotation exists.

                 (iii) If the  Common  Stock is neither  listed on any  national
securities  exchange nor traded on the Nasdaq National  Market(R),  Nasdaq Small
Cap  MarketSM or OTC  Bulletin  Board(R),  then the Fair Market Value shall mean
that value determined by the Committee after taking into account such factors as
the Committee shall in good faith deem appropriate.

                 "Grant Date" shall have the meaning specified in Section 6(a).

                 "Grantee"  shall mean a person who has been granted an Award or
any Permitted Transferee.

                                       17
<PAGE>

                 "ISO" shall mean an incentive  stock option  within the meaning
of Section 422 of the Code.

                 "Immediate  Family"  shall mean,  with  respect to a particular
Grantee, the Grantee's spouse, children and grandchildren.

                 "Independent  Director" shall mean a member of the Board who in
not an Employee of the Company.

                  "Mature Shares" shall mean Shares for which the holder thereof
has good title, free and clear of all liens and encumbrances, and which such
holder has held for at least six (6) months.

                  "Minimum Consideration" shall mean par value per Share or such
other amount that is from time to time considered to be minimum consideration
under applicable law.

                  "1934 Act" shall mean the Securities Exchange Act of 1934, as
amended. References to a particular section of the 1934 Act or rule thereunder,
include references to successor provisions.

                  "Option Price" shall mean the per share exercise price of an
option.

                  "Option Term" shall mean the period beginning on the Grant
Date of an option and ending on the expiration date of such option, as specified
in the Award Agreement for such option and as may, in the discretion of the
Committee and consistent with the provisions of the Plan, be extended from time
to time.

                  "Performance Shares" shall mean an Award to a Grantee pursuant
to Section 6(e).

                  "Permitted Transferee" shall mean a person to whom an Award
may be transferred or assigned in accordance with Section 7.

                  "Public Company" shall mean any entity issuing any class of
equity securities that has been, or is required to be, registered under Section
12 of the 1934 Act.

                  "Restricted Shares" shall mean Shares that are subject to
forfeiture if the Grantee does not satisfy the conditions specified in the Award
Agreement applicable to those Shares.

                  "Rule 16b-3" shall mean Rule 16b-3 of the SEC under the 1934
Act, as amended from time to time, together with any successor rule.

                  "SAR" shall mean a stock appreciation right.

                  "SEC" shall mean the Securities and Exchange Commission.

                                       18
<PAGE>

                  "Section 16 Grantee" shall mean a person who is subject to
potential liability under Section 16(b) of the 1934 Act with respect to
transactions involving equity securities of the Company.

                  "Share" shall mean a share of Common Stock.

                  "Strike Price" shall have the meaning specified in Section
6(d)(ii).

                  "Subsidiary" shall mean a subsidiary corporation, as defined
in Section 424(f) of the Code (with the Company being treated as the employer
corporation for purposes of this definition).

                  "Ten Percent Owner" shall mean a person who owns capital stock
(including stock treated as owned under Section 424(d) of the Code) possessing
more than ten percent of the total combined Voting Power of all classes of
capital stock of the Company or any Subsidiary.

                  "Voting Power" shall mean the combined voting power of the
then-outstanding securities of the Company entitled to vote generally in the
election of directors.

         26.  Controlling  Law.  The law of the State of Nevada,  except its law
with respect to choice of law, shall control all matters relating to the Plan.

         27.  Severability.  If any part of the Plan is declared by any court or
governmental   authority  to  be  unlawful  or  invalid,  such  unlawfulness  or
invalidity  shall not invalidate any other part of the Plan. Any Section or part
of a Section so  declared  to be  unlawful or invalid  shall,  if  possible,  be
construed  in a manner  which will given  effect to the terms of such Section to
the fullest extent possible while remaining lawful and valid.

                                       19PROPERTY ________________

                                     LEASE

                                    between

                             FRANK L. PETROLA, M.D.
                                  TOWER REALTY

                                  as Landlord

                                      and

                               RIDER POINT, INC.

                            37 North Avenue, Ste 205
                               Norwalk, CT 06851

                                                         LANDLORD_______________

                                                         TENNANT _______________

<PAGE>
                                                               PROPERTY_________

                            BASIC LEASE INFORMATION
                            -----------------------

DATE:            11-23-99
         -----------------------------------------------------------

LANLORD:     Tower Realty. Frank L. Petrola, M.D.

TENNANT:     RIDER POINT INC.
        ------------------------------------------------------------
TRADE NAME:     same
           ---------------------------------------------------------
LEASED PREMISES:     Approximately 2700 square feet
                                   ----
                     Suite or Unit No. IDE
                                       ---
                     Address 500 Market Street
                             ----------------------
                     City     Steubenville
                             ----------------------
                     County   Jefferson
                             ----------------------
                     State of Ohio

LENGTH OF OPTION:  Two year                                   (2 yr.)
                 --------------------------------------------

LEASE COMMENCEMENT DATE:   1-1-2000
                        --------------------------------------------
LEASE EXPIRATION DATE:     1-1-2002
                        --------------------------------------------

RENT:    Two thousand dollars
     ---------------------------------------------------------------
    ( 2000.00 per month)
     --------
               from  01-01 ,  2000 ,  to  01-01  ,   2002 ,
                    -------  ------      --------   ------

---------------------------------------------------------- per month

    (         per month)
     --------
               from        ,       ,  to         ,         ,
                    -------  ------      --------   ------

---------------------------------------------------------- per month

    (         per month)
     --------
               from        ,       ,  to         ,         ,
                    -------  ------      --------   ------

USE: Regional Office
     ---------------------------------------------------------------

LANDLORD'S ADDRESS:   1803 Hamilton Place
                   -------------------------------------------------
                      Steubenville, OH  43952
                   -------------------------------------------------
                   -------------------------------------------------
                   -------------------------------------------------
                   -------------------------------------------------

CC:
                   -------------------------------------------------
                   -------------------------------------------------
                   -------------------------------------------------

RENTAL PAYMENTS TO:
                   -------------------------------------------------
                   -------------------------------------------------
                   -------------------------------------------------

TENANT'S ADDRESS:     37 North Avenue, Ste 205
                   -------------------------------------------------
                      Norwalk, CT  06851
                   -------------------------------------------------
                   -------------------------------------------------

SECURITY DEPOSIT:           Two thousand dollars                     ($2000.00)
                   -------------------------------------------------  --------

INTIALS                                                 LANDLORD
                                                                ------------
                                                        TENANT
                                                                ------------

<PAGE>

                                     INDEX
                                     -----

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

        Basic Lease Information                2

I       Grant and Term                         4

II      Rent                                   4

III     Use of the Premises                    4

IV      Parking                                5

V       Landlord and Tenant Responsibilities   5

VI      Interruption of Utilities              6

VII     Maintenance and Repairs                6

VIII    Alterations and Additions              7

IX      Insurance                              7

X       Destruction of Leased Premises         8

XI      Waiver of Subrogation                  8

XII     Eminent Domain                         8

XIII    Indemnification                        9

XIV     Default                                9

XV      Signs and Advertising                 11

XVI     Late Payment                          11

XVII    Lien on Personalty                    11

XVIII   Access by Landlord                    12

XIX     Assignment and Subletting             12

XX      Notices                               12

XXI     Landlord's Sale                       12

XXII    Deposit                               13

XXIII   Miscellaneous                         13

        Addendum                              17

<PAGE>

                                   INTIALS            LANDLORD
                                                                ------------
                                                        TENANT
                                                                ------------

<PAGE>
                                    LEASE

This Lease (the  "Lease"),  made the 23 day of  November,  1999,  by and between
Tower  Realty,  Frank L. Petrola,  M.D., A  ("Landlord")  and RIDER POINT,  INC.
("Tenant").

                           ARTICLE I. GRANT AND TERM

     Section 1.1. Leased  Premises.  Landlord in consideration of the Rent to be
paid and the  covenants to be performed by Tenant,  does hereby demise and lease
unto Tenant,  and Tenant  hereby rents and hires from  Landlord,  those  certain
premises as described in the Basic Lease Information ("Leased Premises") located
in the building known as the TOWERS ("Building"),  located at 500 Market Street,
in the City of Steubenville, County of Jefferson, State of Ohio, ("Property").

     Section 1.2.  Term.  The term of the Lease  ("Term")  shall be for Five (5)
year  commencing at twelve o'clock noon on the 1st day of January,  2000 ("Lease
Commencment  Day"),  and  expiring  at  twelve  o'clock  noon  on the 1st day of
January,  2005 unless sooner terminated as hereinafter  provided. If Landlord is
unable to  deliver  possession  of the  Leased  Premises  to Tenant on the Lease
Commencement  Date,  Tenant's  sole right  shall be to defer its payment of Rent
hereunder  until  delivery to Tenant of  possession of the Leased  Premises.  If
Landlord  does not deliver  possession  of the Leased  Premises to Tenant within
ninety (90) days after the Lease  Commencement Date, Tenant may, at its election
exercised by written  notice to Landlord  given between the  ninetieth  (90) and
ninety-fifth  (95) day after the Lease  Commencement  Date, cancel and terminate
this Lease.  If Landlord does not deliver  possession of the Leased  Premises to
Tenant within one hundred eighty (180) days after the Lease  Commencement  Date,
Landlord may, at its election  exercised by written  notice to Tenant within two
hundred ten (210) days after the Lease  Commencement  Date, cancel and terminate
this Lease, Landlord shall have no liability to Tenant, its agents,  employee or
contractors, on account of its failure or inability to deliver possession of the
Leased Premises to Tenant.

     Section 1.3. Acceptance of the Premises.  Landlord shall not be responsible
nor have any  liability  whatsoever  at any time for loss or damage to  Tenant's
fixtures, equipment or other property of Tenant installed or placed by Tenant on
the Leased Premises.  By occupying the Leased  Premises,  Tenant shall be deemed
conclusively to have accepted the same and to have  acknowledged that the Leased
Premises  are in good and  tenantable  condition.  Except  as set  forth in this
lease, no representations  have been made to Tenant by Landlord,  or its agents,
with respect to the Leased Premises or their fitness or suitability for Tenant's
use.

                                ARTICLE II. RENT

     Tenant  hereby  covenants  and agrees to pay Rent to Landlord  for the term
hereof in the amount set forth in the Basic Lease  Information,  without setoff,
deduction,  notice or demand.  All such sums are due and payable in advance,  on
the first day of each and every  calendar  month during said Term, at the office
of the  Landlord as specified  in the Basic Lease  Information  or at such other
address or addresses as Landlord  may from time to time  hereafter  determine by
notice to the tenant.

                        ARTICLE III. USE OF THE PREMISES

     The  premises  shall be used and  occupied  by  Tenant  (and any  permitted
subtenants)  and Tenant shall use the Leased  Premises  solely for office use as
specified  in the Basic Lease  Information.  Tenant  shall not use or occupy the
Leased Premises in an unlawful

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on the interior or exterior of the Building.

The tenant, and its employees,  patrons and invitees shall have the right to use
jointly  with  other  tenants  of the  building  and their  employees,  patrons,
customers and invitees, all sidewalks, hallways, lobbies, elevators,  washrooms,
and other common facilities situated in or about the building.  However, neither
the Tenant nor its  employees,  patrons,  or invitees  shall use any of the said
facilities or common areas in a manner that will obstruct or interfere  with the
use thereof by others,  and Tenant  shall  cooperate  with  Landlord  therein in
seeking to preclude patrons or invitees from using any of the said facilities or
common area in a manner that will obstruct or interfere with the use thereof.

                              ARTICLE IV: PARKING

Two free parking spaces.

                ARTICLE V: LANDLORD AND TENANT RESPONSIBILITIES

                                      -NA-

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                      ARTICLE VI. INTERRUPTION OF UTILITIES

Landlord  reserves the right to stop the services of any or all of the utilities
serving the Premises when, in the Landlord's sole  discretion,  such stoppage is
necessitated by reason of accident, repairs, alterations or improvements,  until
such accident is corrected or such repairs,  alterations  or  improvements  have
been  completed,  and, in such event,  Landlord  shall not be deemed guilty of a
breach of this Lease,  nor shall Tenant be entitled to any abatement of its rent
obligations  under this Lease on account  thereof.  Landlord does not warrant or
guarantee  the present or  continued  availability  of any or all of the utility
services  necessary  or desirable  for the use of the Premises by Tenant.  In no
event shall the  interruption,  diminution or cessation of such  availability be
constructed as an actual or constructive  eviction of Tenant nor shall Tenant be
entitled  either to any  abatement of its rent  obligations  under this Lease on
account  thereof,  or to assert any claim fro relief against Landlord on account
thereof.

                      ARTICLE VII. MAINTENANCE AND REPAIRS

Landlord shall keep the foundation,  the outer walls,  gutters,  down spouts and
roof of the  Building  in good  repair;  provided  that  Landlord  shall  not be
obligated to make any repairs occasioned by the act or negligence of Tenant, its
employees,  agents, servants, customers and other invitees, and provided further
that Landlord shall have no obligation to paint,  recover or refurbish  exterior
walls or the interior surfaces of the walls so damaged by Tenant, its employees,
agents,  servants,  customers and other invitees. Owner shall be responsible for
all utilities, air conditioning,  boiler, heating, hot water tank, and all below
ground plumbing.

Tenant shall keep the Leased Premises in a clean, sanitary and safe condition in
accordance  with all directions,  rules and regulations of any health  officers,
building inspectors or other proper officers of the governmental agencies having
jurisdiction.  Tenant shall comply with all requirements of law,  ordinances and
other rules and regulations that affect the Leased Premises. Tenant shall permit
no injury to the Leased  Premises or the  improvements of which they are a part,
and Tenant  shall,  at its own cost and expense,  replace with glass of the same
quality and damaged or broken glass,  or other  breakable  materials used in any
interior  windows and doors on the Leased  Premises.  At the  expiration  of the
term,  Tenant shall  surrender  the Leased  Premises  broom clean and in as good
order as the same are on the Lease Commencement  Date,  reasonable wear and tear
expected.

                     ARTICLE VIII. ALTERATIONS AND ADDITIONS

Tenant  shall make no  alternation  in, or additions  or  improvements  to, said
Demised Premises without the written consent of Landlord first had and obtained,
which consent will not be unreasonably withheld. Tenant shall indemnify and save
harmless  Landlord from and against all expense,  liens,  claims,  or damages to
either  property  or  person  which  may or might  not  arise by  reason of such
repairs, alternations, improvements or additions. Under no

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circumstances  shall  Tenant  commence  any such work  until  Landlord  has been
provided with  certificates  evidencing that all contractors and  subcontractors
performing  any work have in force and effect  adequate  workman's  compensation
insurance  as  required  by the  laws of the  State of  Ohio,  public  liability
insurance  in the same  amounts as Tenant is  required  to carry  hereunder,  as
hereinafter  provided,  and appropriate builder's risk insurance naming Landlord
and Tenant and the holder of any  mortgage  affecting  the Premises as c-insured
thereof.  Such certificates shall provide that they may not be cancelled without
at least ten (10) days prior  written  notice to Landlord  and the holder of any
mortgage affecting the Premises.

                              ARTICLE IX. INSURANCE

Section 9.1. Coverage.  During the Term thereof,  Tenant shall, at its sole cost
and  expense,  maintain  the  following  insurance  with  respect  to the Leased
Premises:  (a)  standard  fire and  extended  coverage  insurance  insuring  all
alterations  and additions made by Tenant to the Leased  Premises and all of its
fixtures,  furniture and equipment for the full replacement  value thereof on an
eighty percent (80%) co-insurance form; and (b) public liability  insurance with
limits of not less than Five Hundred Thousand Dollars  ($500,000.00)  per person
per bodily injury,  Five Hundred Thousand Dollars  ($500,000.00)  per occurrence
bodily  injury,  and One Hundred  Thousand  Dollars  ($100,000.00)  for property
damage per  occurrence,  or a combined single limit of liability of Five Hundred
Thousand Dollars ($500,000.00),  insuring against claims of any and all personal
injury, death or damage occurring in or about the Leased Premises.

Section 9.2.  Forms.  Each  insurance  policy  shall be issued by any  insurance
company of recognized  standing,  authorized to do business in the State of Ohio
and satisfactory to the Landlord.  The policies  required in the above paragraph
shall name  Landlord  and  Tenant as parties  insured  and where  applicable  be
payable to Landlord  and Tenant as their  interests  may appear.  If required by
Landlord,  such policies shall also contain a loss payable  endorsement in favor
of the holder of any mortgage  affecting the Leased Premises.  All such policies
shall  provide  that no  cancellation  or  termination  thereof or any  material
modification thereof shall be effective except on thirty (30) days prior written
notice to Landlord,  and if applicable,  said mortgages.  At Landlord's request,
Tenant will provide to Landlord  current  certificates  of insurance  evidencing
Tenant's compliance with the terms of this article.

Section 9.3. No Hazardous  Materials.  Without Landlord's prior written consent,
Tenant  shall not carry any stock of goods or do anything in or about the Leased
Premises which would in any way tend to increase  insurance  rates or invalidate
any policy on the Leased Premises. If Landlord shall consent to such use, Tenant
agrees to pay as additional rent any increase in premiums for insurance  against
loss by standard fire and extended coverage  resulting from the business carried
on in the Leased Premises by Tenant. If tenant installs any electrical equipment
that overloads the power lines to the Leased  Premises,  Tenant shall at its own
expense make whatever  changes are necessary to comply with the  requirement  of
insurance underwriters and insurance rating bureaus and governmental authorities
having jurisdiction.

                    ARTICLE X. DESTRUCTION OF LEASED PREMISES

In the event the Leased  Premises,  or any part  thereof,  shall be destroyed or
damaged, and such destruction or damage may reasonably be repaired within ninety
(90) days from the happening of such destruction or damage,  Tenant shall not be
entitled to surrender  possession of the Leased  Premises,  or any part thereof,
nor shall Tenant's  liability to pay rent under this Lease cease; but in case of
any such  destruction  or  damage,  Landlord  shall  repair  the  same  with all
reasonable speed and shall complete such repairs within

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ninety (90) days from the happening of such  destruction  or damage,  subject to
delays beyond Landlords  reasonable control. If Tenant shall thereby be deprived
of the occupancy of any part of the Leased Premises,  a proportionate  allowance
shall be made to Tenant from the Rent,  corresponding  to the time during  which
and to the part of the Leased  Premises of which  Tenant shall be so deprived on
account of such  destruction or injury or of the making of such repairs.  In the
event that any destruction or damage cannot reasonably be repaired within ninety
(90) days from the happening of such  destruction or damage,  either Landlord or
Tenant shall have the right to terminate  this Lease by giving written notice to
the other  within  thirty (30) days from the  happening of such  destruction  or
damage.

                        ARTICLE XI. WAIVER OF SUBROGATION

Landlord and Tenant  agree that,  if the  interests on which they have  obtained
insurance in connection with this Lease shall be damaged or destroyed during the
Term of this  Lease by a peril  insurable  under a  standard  fire and  extended
coverage  policy and whether or not such damage or destruction was caused by the
neglect of the other party,  neither party shall have any liability to the other
or to any insurer of the other for, or in respect of, such damage or destruction
to the  extent  covered by such  insurance;  and each party  shall  require  all
policies of material damage  insurance  carried by such party during the Term of
the Lease to be endorsed with a provision in and by which the insurer designated
therein shall waive its right of  subrogation  against the other.  The waiver of
subrogation  hereby  required  shall  extend  only to the risks  insured  by the
policies  required  hereby.  Each  party  shall pay its own  costs,  if any,  of
securing such an endorsement.

                           ARTICLE XII. EMINENT DOMAIN

Section 12.1.  Condemnation  of the Leased  Premises.  If a material part of the
Leased  Premises  shall be taken by any  public  authority  under  the  power of
eminent  domain or sold to public  authority  under  threat or in lieu of such a
taking,  then the Term of this Lease shall cease as of the day possession  shall
be taken by such  public  authority,  and the rent  shall be paid up to that day
with a  proportionate  refund by Landlord of such rent and other  charges as may
have been paid in advance for a period subsequent to the date of the taking.

Section 12.2.  Landlord's and Tenant's Damages.     All damages awarded for such
taking under the power of eminent domain or sale under threat or in lieu of such
a taking,  whether for the whole or a part of the Leased Premises,  shall belong
to and be the property of Landlord,  irrespective  of whether such damages shall
be awarded as  compensation  for  diminution in value to the leasehold or to the
fee of the Leased  Premises,  and  Tenant  shall  have no claim  against  either
Landlord or the condemning  authority with respect thereto;  provided,  however,
that  Landlord  shall not be entitled to any award  specifically  designated  as
compensation  for  depreciation  to, and cost of removal of,  Tenants  stock and
trade fixtures.

                          ARTICLE XIII. INDEMNIFICATION

Landlord shall be indemnified and held harmless by Tenant from any liability for
damages to any person or any property in or upon the Leased Premises,  including
without  limitation the personal  property of Tenant and its employees,  agents,
servants, customers or other invitees. Landlord shall further be indemnified and
held harmless by Tenant from any loss,  cost,  damage or expense  arising out of
any accident or other occurrence due directly or indirectly to the negligence of
Tenant,  its  employees,  agents,  servants,  customers or other  invitees.  All
property kept,  stored,  or maintained in the Leased  Premises shall be so kept,
stored, or maintained at the risk of the Tenant only. Landlord,  during the Term
of this Lease,  shall  indemnify and save harmless Tenant from any liability for
damages arising solely out of the negligence of Landlord. However,

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Landlord  shall not be  responsible  to Tenant for,  nor required to save Tenant
Harmless  from,  any loss or damage which may be  occassional  by or through the
acts or  ommissions of other  tenants,  invitees or occupants of the Building or
the Property of which the hereunder with respect to the repair or maintenance of
any portions of the Leased  Premises  required to be repaired or  maintained  by
repairs or perform such maintenance after due notice in writing and a reasonable
opportunity to cure.

                              ARTICLE XIV. DEFAULT

This Lease is made on the  condition  that,  if any one or more of the following
events (herein referred to as an "event of default") shall happen:

    (a) Tenant  shall  default in the timely  payment of the Rent,  or any other
        amounts payable hereunder, and such default shall continue for three (3)
        days after the receipt of written notice from Landlord, or

    (b) Tenant  shall  neglect or fail to  perform  or observe  any of the other
        covenants  herein contained on Tenant's part to the same within ten (10)
        days after Landlord  shall have given Tenant  Written notice  specifying
        such  neglect  or failure  (or within  such  period,  if any,  as may be
        reasonably  required to cure such default,  if it is of such nature that
        it cannot be cured  within a ten (10) day  commenced to effect such cure
        and shall proceed with due diligence to complete such cure); or

    (c) Tenant shall  neglect or fail to perform or observe any of the covenants
        herein contained (including without limitation the timely payment of the
        Rent, or any other amounts payable hereunder) three or more times in any
        twelve-month period, such third occurrence being agreed between Landlord
        and Tenant to be incurable.

    (d) Tenant shall (i) be adjudicated a bankrupt or insolvent,  or (ii) file a
        petition in bankruptcy or for  reorganization  or for the adoption of an
        arrangement under the Bankruptcy Code (as now or in the future amended),
        or (iii)  make an  assignment  of its  property  for the  benefit or its
        creditors;

then in any one or more of such  events  Landlord  shall have the right,  at its
election,  provided Landlord has given prior written notice to Tenant then or at
any time thereafter and while such event of default shall continue, either;

    1.  In addition to, but without  limitation or  qualification  or, any other
        right or remedy of the  Landlord  herein  provided,  if the Tenant shall
        default in the  performance  of any covenant,  condition or  stipulation
        contained  in this lease,  the  Landlord  may,  perform the same for the
        account  of and at the  expense  of the  Tenant,  and the  amount of the
        payments  made or other  expenses  incurred by the the Landlord for such
        purpose shall be forthwith repaid by the Tenant with interest thereon at
        the rate of ten percent (10%) per annum. Should the Tenant,  pursuant to
        this Paragraph,  or any other provision of this Lease,  become obligated
        to reimburse or otherwise  pay Landlord any one or more sums of money in
        addition  to  the  fixed  rent,  the  amount  thereof  shall  be  deemed
        additional rent and may, at the option of the Landlord,  be added to any
        subseqwuent  installment  of the fixed  rent due and  payable  under the
        Lease,  in which  event the  Landlord  shall have the  renedies  for the
        default in the payment thereof

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Provided herein.

     2. To give Tenant  written  notice of intention to terminate  this Lease on
the date of such given notice or any later date specified  therein,  and on such
specified date Tenant's  right to possession of the Leased  Premises shall cease
and this Lease shall thereupon be terminated; or

     3. To re-enter  and take  possession  of the Leased  Premises,  or any part
thereof,  and repossess the same as Landlord's  former estate,  and expel Tenant
and those  claiming  possession  by,  through  or under  Tenant;  and remove the
effects of both or either  (forcibly.  If  necessary)  without  prejudice to any
remedies for arrears of Rent or preceding  breach of covenants.  Should Landlord
elect to re-enter as  provided  in this  clause  (3).  Or should  Landlord  take
possession  pursuant to any notice  provided by law,  Landlord may, from time to
time,  Without  terminating  this Lease,  relet the Leased  Premises or any part
thereof for such Term or terms, and at such Rent or Landlord may deam advisable.
With the right to make alterations and repairs to the Leased  Premises,  No such
re-entry or talking or  possession of the Leased  Premises by Landlord  shall be
construed as an election  Landlord's  part to terminate  this Lease,  unless the
termination thereof be decreed by a court of competent jurisdiction.

In the  event  Landlord  does not  elect to  terminate  this  Lease,  but on the
contrary,  elects to take possession,  then such repossession  shall not relieve
Tenant of its  obligation  and  liability  under this Lease,  all of which shall
survive such repossession.  In the event of such repossession,  Tenant shall pay
to Landlord as current liquidated damages;

     (a) The Rent and other sums herein before provided,  which would be payable
hereunder if such repossession had not occurred; less

     (b) The net proceeds, if any, of any reletting to the Leased Premises after
deduction   all  of the  Landlord's  expenses in connection with such reletting,
including,   but    without   limitation,   all  repossession  costs,  brokerage
commissions,  legal expenses,  attorney's fees, expenses of employees, necessary
alternation costs and expenses of preparation for such reletting.

Tenant shall pay such current  damages to Landlord on the days on which the Rent
would have been  payable  hereunder  if  possession  had not been  retaken,  and
Landlord  shall be entitled to receive  the  required to commence  any action or
proceeding to collect the foregoing amounts,  or to enforce any other obligation
of Tenant under this Lease, Landlord shall be entitled to a reimbursement of all
cost and expenses incurred in said matter, including reasonable attorney's fees.

If this Lease is  terminated  by  Landlord  by reason fo any  default by Tenant,
Landlord  shall be entitled to recover from Tenant the worth at the time fo such
termination  of the excess,  if any, of the Rent  reserved in this Lease for the
balance of the Term hereof over the deducting all of the Landlord's  expenses in
connection  with such reletting of the Leased  Premises after  deductiong all of
the  Landlord's  expenses in  connection  with such  reletting,  including,  but
without  limitation,  all  repossession  costs,  brokerage  commissions,   legal
expenses, attorney's fees, expenses of employees, necessary alteration costs and
expenses of preparation  for such reletting,  which amount shall  immediately be
due and payable by Tenant to Landlord.

In the event that Landlord commences summary proceedings in the

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nature of a forcible entry and detainer or unlawful detention for non-payment of
Rent,  additional rent, or the Tenant's failure to perform its other obligations
hereunder,  Tenant  agrees  not to  interpose  any  counterclaim  of any  nature
whatsoever  in such  proceedings;  provided,  Tenant does not waive its right to
assert any claim in a separate action brought by Tenant.

                       ARTICLE XV. SIGNS AND ADVERTISING

The  Tenant may place its  professional  interior  signage  on the main  floors,
doorways and any other place upon notification to the Landlord.

                           ARTICLE XVI. LATE PAYMENT

The Tenant will not be charged any late Rent fees due to  processing of payments
through the County Auditor's Office.

                        ARTICLE XVII. LIEN OF PERSONALTY

Subject to any  purchase  money  security  interest on such  items,  Landlord is
hereby given a lien upon any and all furniture, fixtures and equipment belonging
to Tenant and use at, in or upon the Premises, whether acquired by Tenant before
or after  execution  of this Lease,  to secure the due payment of Rent and other
liabilities of Tenant hereunder.  Upon failure of Tenant to pay any part of such
Rent or other liability and after due notice as required  hereinabove,  Landlord
without further notice of demand may possess and sell such property at public or
private sale (and Landlord may be a purchaser at such sale) and otherwise  avail
itself of all rights and remedies then  available  under the Uniform  Commercial
Code as  enacted  in the State of Ohio.  To  accomplish  the  foregoing,  Tenant
agrees,  at the  request of  Landlord,  to  execute  and  deliver to  Landlord a
security agreement and financing statement.

                       ARTICLE XVIII. ACCESS BY LANDLORD

Landlord reserves the right to enter the Leased Premises at all reasonable times
for the purpose of examining,  repairing and protecting the Leased  Premises and
to enter the Leased  Premises to exhibit the same for lease  during  times other
than Tenant's normal business hours. The rights granted to the Landlord pursuant
to this  Section,  shall not require  Landlord to make any repairs to the Leased
Premises other than those herein  specifically agreed to be made by Landlord nor
otherwise extend any of Landlord's other obligations.

                     ARTICLE XIX. ASSIGNMENT AND SUBLETTING

Tenant  shall not  assign,  sell,  pledge,  mortgage,  encumber or in any manner
transfer this Lease or any interest  therein,  nor sublet the Leased Premises or
any part or parts thereof,  nor permit  occupancy of the Leased  Premises or any
part or parts  thereof,  by anyone  with,  through  or under it.  Any  purported
assignment, sale, pledge, mortgage, encumbrance, transfer or subletting shall be
null and void and shall be a default hereunder.

A transfer  of fifty  percent  (50%) or more of the  voting  stock of Tenant (if
Tenant is a  corporation)  or a transfer of fifty  percent  (50%) or more of the
interests in profits or losses of Tenant (if Tenant is a  partnership)  shall be
deemed as assignment for purposes of this Lease.

                              ARTICLE XX. NOTICES

All notices to be given  hereunder by either of the Parties shall be in writing.
Any notice may be served by Landlord upon Tenant  personally  by delivering  the
same to any employee of Tenant at the Leased Premises;  an officer of Tenant, if
Tenant is a corporation;  to a general partner of Tenant, if Tenant is a general
or limited

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partnership; or Tenant directly, if Tenant is an individual. Any notice shall be
deemed duly served by Landlord upon Tenant if mailed by registered or certified
mail, return receipt requested, with postage prepaid, addressed to Tenant at the
Tenant's address as shown in the Basic Lease Information of this Lease or at the
address of the Leased Premises. Any notice may be served by Tenant by mailing
the same to Landlord, by registered or certified mail, return receipt requested,
with postage prepaid, addressed to Landlord at the Landlord's address as shown
in the Basic Lease Information of this Lease. Either party may change the
address to which notices may be sent by delivering a copy thereof to the other
party in the manner aforesaid. If services shall be made by registered or
certified, mail, such service shall be complete as of the next day following the
mailing of such notice in the manner aforesaid.

                          ARTICLE XXI. LANDLORD'S SALE

In the event of any sale or lease of the Premises, or real property of which the
Premises are a part, by Landlord, including sales by foreclosure or a deed in
lieu thereof, Landlord shall be entirely freed and relieved of all liability
under any and all of its covenants and obligations contained in or derived from
this Lease arising out of any act or omission occurring after the consummation
of the sale or lease; and the purchaser or lessee shall, during the period of
its ownership of lease term, be deemed without any further agreement between the
parties to have assumed and agreed to carry out any and all of the covenants and
obligations of Landlord under this Lease. All subsequent purchasers or leasees
shall similarly be freed and relieved of all liability hereunder subsequent to
the date of such sale or lease by them. In the event of any such sale or lease,
Tenant agrees to attorn to and become Tenant of Landlord's
successor-in-interest.

                             ARTICLE XXII. DEPOSIT

Concurrently  with the  execution  of this  Lease,  Tenant  has  deposited  with
Landlord,  and will keep on  deposit at all times  during  the Term,  a Security
Deposit as  specified  in the Basic Lease  Information,  the receipt of which is
hereby  acknowledged,  as security  for the payment by Tenant of the Rent herein
agreed to be paid and for the faithful performance of all the terms,  conditions
and  covenants  thereof.  If, at any time  during the Term,  Tenant  shall be in
default in the  performance of any provision of this Lease,  Landlord shall have
the right to use said deposit,  or so much thereof as  necessary,  in payment of
any Rent in default as aforesaid,  in reimbursement of any expenses  incurred by
Landlord  in payment of any  damages  incurred by Landlord by reason of Tenant's
default, or at the option of Landlord,  the same may be retained by Landlord. In
such event,  Tenant shall,  on written  demand of Landlord,  forthwith  remit to
Landlord a  sufficient  amount of cash to restore  said  deposit to its original
amount.  In the event said  deposit  has not been  utilized as  aforesaid,  said
deposit, or as much thereof as has not been utilized for said purposes, shall be
refunded to Tenant,  without  interest,  upon full  performance of this Lease by
Tenant. Landlord shall have the right to commingle said deposit with other funds
of Landlord.  Landlord may deliver the funds  deposited  herein by Tenant to the
purchaser  of  Landlord's  interest  in the  Leased  Premises  in the event such
interest is sold and,  thereupon,  Landlord  shall be  discharged  from  further
liability with respect to such deposit.  Said deposit shall not be considered as
liquidated damages, and, if claims of Landlord exceed said deposit, Tenant shall
remain liable for the balance of such claims.

                          ARTICLE XXIII. MISCELLANEOUS

Section 23.1. Amendments or Modifications.  No amendment or modification of this
Lease or any  approvals or  permissions  of Landlord  required  under this Lease
shall be valid or binding  unless reduced in writing and executed by the parties
hereto in the same manner as the execution of this Lease.

                                           INITIALS     LANDLORD   ________
                                                        TENANT     ________

                                       12
<PAGE>

Section 23.2. Non-waiver.  No waiver of a condition or covenant of this Lease by
either party hereto shall be deemed to imply or  constitute a further  waiver by
such party of the same of any other condition or covenant.  No act or thing done
by  Landlord  or  Landlord's  agents  during the Tem  hereof  shall be deemed an
acceptance or surrender of the Leased Premises,  and no agreement to accept such
surrender  shall be valid unless in writing signed by Landlord.  The delivery of
Tenant's  keys to any  employee  or agent of  Landlord  shall not  constitute  a
termination of this Lease unless a written  agreement has been entered into with
Landlord to this effect.  No payment by Tenant,  nor receipt by  Landlord,  of a
lesser amount than the Rent or other charges herein  stipulated  shall be deemed
to be other than on an account of the earliest  stipulated  Rent,  nor shall any
endorsement or statement on any check or any letter  accompanying  any check, or
payment as Rent, be deemed as accord and satisfaction, and Landlord shall accept
such a check for payment  without  prejudice to Landlord's  right to recover the
balance of such Rent or pursue any other remedy  available to Landlord.  If this
Lease be  assigned,  or if the Leased  Premises or any part thereof be sublet or
occupied  by anyone  other  than  Tenant,  Landlord  may  collect  Rent from the
assignee,  subtenant or occupant and apply the net amount  collected to the Rent
herein reserved, but no such collection shall be deemed a waiver of the covenant
herein  against  assignment and  subletting,  or the acceptance of the assignee,
sub-tenant  or  occupant  as tenant,  or a release of Tenant  from the  complete
performance  by  Tenant of the  covenants  herein  contained  on the part of the
Tenant to be performed.

Section 23.3. Holding Over. In the event that Tenant remains in possession after
the expiration of this Lease,  without execution of a new lease, Tenant shall be
deemed to occupy the Leased  Premises  as a Tenant from  month-to-month  at Tent
twice the amount due for the last month of the term  hereof,  and subject to all
conditions,  provisions and obligations set forth herein insofar as the same are
applicable to a month-to-month tenancy.

Section  23.4.  No  Warranties.   Tenant  agrees  that  no   representations  or
warranties,  either  express or implied,  have been made with  reference  to the
condition  of the Leased  Premises or their  fitness for the use for any purpose
whatsoever,  and that  Landlord  shall  not be  liable  for any use to which the
Leased  Premises are put or any damage  either to person or property  because of
any injury,  loss of life, loss or damage to or total destruction of merchandise
or property resulting from such use.

Section  23.5.  Rules.  Landlord  reserves the right to make such other  further
reasonable rules and regulations  which may be needed for the safety,  care, and
cleanliness  of the Leased  Premises  which  shall be binding  upon the  parties
hereto as if inserted herein at the time of the execution of this Lease.

Section 23.6.  Binding Effect.  Subject to the provision hereof, the benefits of
this Lease and the burdens hereunder shall respectively insure to and be binding
upon the heirs, successors, personal representatives and assigns of the parties.

Section 23.7.  Force Majeure.  Whenever a period of time is herein  provided for
either party to do or perform any ct or thing,  there shall be excluded from the
computation  of such  period of time any delays due to strikes,  riots,  acts of
God, shortages of labor or any cause or causes,  whether or not similar to those
enumerated,  beyond the parties  reasonable control or the reasonable control of
their agents, servants,  employees and any contractor engaged by them to perform
work in connection with this Lease.

Section 23.8.  Entire  Agreement.      This Lease contains the entire  agreement
between the parties. Any agreement hereafter or heretofore made shall operate to
change,  modify,  terminate or discharge this Lease, in whole or in part, unless
such agreement is in writing and signed by each of the parties hereto except for
Exhibit A.

                                    INITIALS                  LANDLORD  _____
                                                              TENANT    _____

                                       13

<PAGE>

Section  23.9.  Unenforceability.  If any clause or  provision  of this Lease is
found by a court of competent  jurisdiction  illegal,  invalid or  unenforceable
under present or future laws effective  during the Term of this Lease,  then and
in that event the remainder of this Lease shall not be affected thereby,  and in
lieu of each  clause or  provision  of this  Lease that is  illegal,  invalid or
unenforceable,  there be added as a part of this Lease a clause or  provision as
similar in terms to such illegal,  invalid or unenforceable clause or provisions
as may be possible and be legal. valid and enforceable.

Section 23.10 Joint and Several  Liability.  If the term "Tenant" refers to more
than one corporation,  association,  trust,  partnership,  individual or entity,
their liability hereunder shall be joint and several.

Section 23.11.  Quiet Enjoyment.  So long as Tenant is not in default hereunder,
Landlord shall assure Tenant quiet enjoyment of the Premises.

Section  23.12  Authority.  The  signatory  on behalf of  Tenant  warrants  its.
Authority  to do so. And  warrants  further  that entry into this Lease has been
properly authorized pursuant to Tenant's constituent documents.

IN WITNESS WHEREOF, the parties hereto have executed this Lease the day and year
first above written.

SIGNED AND ACKNOWLEDGED                 LANDLORD
IN THE PRESENCEOF:

----------------------------            By: -----------------------------------
----------------------------            Its: ----------------------------------
----------------------------            Date: ---------------------------------

STATE OF__________________:
                                        SS
COUNTY OF________________:

The foregoing instrument was acknowledged before me this_____day of ___________,
19_____,  by ____________________, as ______________________________on behalf of
______________

------------------------            ------------------------
Notary Public                        My Commission expires

SIGNED AND ACKNOWLEDGED                     TENANT
IN THE PRESENCEOF:

----------------------------        By: ------------------------------------
----------------------------        Its: -----------------------------------
----------------------------        Date: ----------------------------------

STATE OF__________________:
                                        SS
COUNTY OF________________:

The foregoing instrument was acknowledged before me this_____day of ___________,
19_____,  by _____________________, as ____________________________on behalf of
______________

------------------------            ------------------------
Notary Public                         My Commission expires

                                       14

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