Document:

<PAGE>

                                  EXHIBIT10.13
Form of Stock Option Agreement under the MEEMIC Holdings, Inc. Stock
Compensation Plan

<PAGE>

                                     ANNEX A

                            STOCK OPTION CERTIFICATE
                    OPTION TO PURCHASE SHARES OF COMMON STOCK
                              MEEMIC HOLDINGS, INC.

NO. SCP-___

         This certifies that ________________________ (the "Participant") is
hereby granted an option (the "Option") to purchase a total of
__________________________________________ (________) shares of Common Stock, no
par value per share ("Common Stock"), of MEEMIC Holdings, Inc., a Michigan
corporation (the "Company"), subject to the terms and conditions set forth in
this Stock Option Certificate and the MEEMIC Holdings, Inc. Stock Compensation
Plan (the "Plan"). The Option shall become exercisable as set forth in Section 3
hereof and, to the extent exercisable, may be exercised in whole or in part at
any time or from time to time prior to the "Expiration Date" (as hereinafter
defined), upon the presentation and surrender of written notice of exercise in
accordance with Section 6(b)(ii)(A)-(B) of the Plan, accompanied by payment of
$10.00 for such share of Common Stock, subject to adjustment (the "Purchase
Price"), in lawful money of the United States of America in cash or by check
made payable to the Company; provided, however, that payment of the Purchase
Price, or any portion thereof, may be made other than in cash or by such check
in accordance with Section 8 of this Stock Option Certificate.

     1. Type of Option. The Option evidenced by this Stock Option Certificate is
not intended to be and shall not be treated as an incentive stock option under
Section 422 of the Internal Revenue Code of 1986, as amended.

     2. Option Subject to Plan. This Stock Option Certificate and the Option
evidenced by this Stock Option Certificate are subject to, and the Participant
agrees to be bound by, all of the terms and conditions of the Plan as now in
effect and as hereafter amended from time to time in accordance with its terms.
All capitalized terms not otherwise defined in this Stock Option Certificate are
defined in this Stock Option Certificate as in the Plan. In the event of any
inconsistency between the terms of this Stock Option Certificate and the terms
of the Plan, the terms of the Plan shall control. A copy of the Plan in its
present form is available for inspection during business hours by the
Participant at the Company's principal office. Pursuant to the Plan, the
Committee is vested with conclusive authority to administer the Plan (which
includes, among other things, the authority to determine the terms and
conditions of the Stock Option Certificate and the Option evidenced by this
Stock Option Certificate and to amend the same).

     3. Vesting, Expiration and Termination.

         a. The grant and allocation of the Option evidenced by this Stock
Option Certificate is provisional and subject to the requirements of the Plan
and this Stock Option Certificate. The Option evidenced by this Stock Option
Certificate shall be subject to termination and forfeiture as provided in the
Plan and this Stock Option Certificate, and none of the Option

<PAGE>

shall be exercisable unless and until vested. Any part of the Option
evidenced by this Stock Option Certificate that does not vest or is
terminated pursuant to the terms of the Plan and this Stock Option
Certificate shall be canceled and forfeited. The term "Expiration Date" shall
mean 5:00 p.m. (Detroit, Michigan time) on July 1, 2010; provided, however,
that if July 1, 2010, shall in the State of Michigan be a holiday or a day on
which the banks are authorized to close, then the Expiration Date shall be
5:00 P.M. (Detroit, Michigan time) the next following day which in the State
of Michigan is not a holiday or a day on which banks are authorized to close.

         b. The Option evidenced by this Stock Option Certificate shall vest in
accordance with the schedule that follows: (i) one-fifth of such Option shall
vest at 5:00 p.m. (Detroit, Michigan time) on July 1, 2000; (ii) one-fifth of
such Option shall vest at 5:00 p.m. (Detroit, Michigan time) on July 1, 2001;
(iii) one-fifth of such Option shall vest at 5:00 p.m. (Detroit, Michigan time)
on July 1, 2002; (iv) one-fifth of such Option shall vest at 5:00 p.m. (Detroit,
Michigan time) on July 1, 2003; and (v) one-fifth of such Option shall vest at
5:00 p.m. (Detroit, Michigan time) on July 1, 2004. Notwithstanding anything to
the contrary express or implied in this Stock Option Certificate, and provided
Participant is then in the employ of the Company or any Affiliate, the entire
Option evidenced by this Stock Option Certificate shall automatically vest and
become exercisable upon a Change in Control of the Company as defined and
provided for in the Plan.

         c. Notwithstanding any of the provisions of this Stock Option
Certificate, in the event (i) Professionals makes a tender offer for all of the
outstanding Common Stock; (ii) the Company merges or consolidates with
Professionals or a wholly owned subsidiary thereof; (iii) the Company sells or
disposes of substantially all of the Company's assets to Professionals, or (iv)
if the Participant is a member of the Board and Participant is removed from the
Board, resigns from the Board at the request of a majority of the other members
of the Board or is not nominated for re-election to the Board during the term of
the Option; then the entire Option evidenced by this Stock Option Certificate
shall automatically vest and become exercisable.

     4. Termination Provisions.

         a. If the Participant's employment, directorship or consulting
arrangement with the Company or any Affiliate terminates for any reason
(including termination by reason of the fact that an entity is no longer an
Affiliate) other than the Participant's death, the Participant may thereafter
exercise that portion of the Option evidenced by this Stock Option Certificate
that has vested as provided below, except that the Committee may terminate the
unexercised vested portion of the Option and the unvested portion of the Option
concurrently with or at any time following termination of such employment or
consulting arrangement (including termination of employment upon a change of
status from employee to consultant) if it shall determine that the Participant
has engaged in any activity which is materially detrimental to the interests of
the Company or an Affiliate. If such termination is voluntary on the part of the
Participant (other than by reason of retirement on or after the normal
retirement date), the portion of the Option evidenced by this Stock Option
Certificate that has vested may be exercised only within ten days after the date
of termination. If such termination is involuntary on the part of the
Participant, or if the Participant retires on or after normal retirement date,
or if the Participant's employment or

<PAGE>

consulting arrangement is terminated by reason of the Participant's Disability,
the portion of the Option evidenced by this Stock Option Certificate that has
vested may be exercised within three months after the date of termination or
retirement. For purposes of the foregoing, the Participant's employment or
consulting arrangement shall not be considered terminated (i) in the case of
approved sick leave or other bona fide leave of absence (not to exceed one
year), (ii) in the case of a transfer of employment or the consulting
arrangement among the Company and Affiliates, or (iii) by virtue of a change of
status from employee to consultant or from consultant to employee, except as
provided above.

         b. If the Participant dies at a time when entitled to exercise all or
part of the Option evidenced by this Stock Option Certificate, then that portion
of the Option that was vested and exercisable immediately prior to the
Participant's death may be exercised at any time or times within one year after
the Participant's death. Except as so exercised, such Option shall expire at the
end of such one year period. The Company may decline to deliver any of such
shares of Common Stock to a designated beneficiary until it receives indemnity
against claims of third parties satisfactory to the Company.

         c. The Option evidenced by this Stock Option Certificate may be
exercised only if and to the extent such Option was vested and was exercisable
at the date of termination of the Participant's employment or consulting
arrangement, and no Option may be exercised at any time when such Option would
not have been vested or exercisable had the Participant's employment or
consulting arrangement continued.

     5. Restrictions on Transferability. Except as the Plan may otherwise
provide or as the Committee may otherwise determine, neither this Stock Option
Certificate nor the Option evidenced by this Stock Option Certificate may be
sold, encumbered, pledged, alienated, attached, assigned, or otherwise
transferred in any manner, and any attempt to do any of the foregoing shall be
void and unenforceable against the Company.

     6. Adjustments and Corporate Reorganizations. In the event of certain
contingencies provided for in the Plan, the Purchase Price and the number of
shares of Common Stock subject to purchase upon the exercise of each of the
Option may be modified or adjusted, all as provided in the Plan.

         7. No Rights in Stock Before Issuance and Delivery. The Participant
does not have any right to continued employment by the Company or an Affiliate
for any period by virtue of the granting or receipt of this Stock Option
Certificate or the Option evidenced by this Stock Option Certificate. No person
shall be entitled to the privileges of stock ownership in respect of any shares
of Common Stock issuable upon exercise of the Option evidenced by this Stock
Option Certificate, including, without limitation, the right to vote or to
receive dividends or other distributions, or to receive any notice of any
proceedings of the Company (except as provided in the Plan), unless and until
such shares of Common Stock have been issued to such person as fully paid
shares.

     8. Alternative Payment with Stock.

<PAGE>

         a. Payment of the Purchase Price, or any portion thereof, may be made
with shares of stock of the same class as the shares then subject to a vested
Option, if shares of that class are then "Publicly Traded" (i.e., if that class
of stock is then registered under Section 12 of the Securities Exchange Act of
1934, as amended). Such shares will be credited toward such purchase price on
the valuation basis set forth below, in which event the stock certificates
evidencing the shares so to be used shall accompany the notice of exercise and
shall be duly endorsed or accompanied by duly executed stock powers to transfer
the same to the Company; provided, however, that such payment in stock instead
of cash shall not be effective and shall be rejected by the Company if (i) the
Company is then prohibited from purchasing or acquiring shares of the class of
its stock thus tendered to it, or (ii) the right or power of the Participant
exercising such vested Option to deliver such shares in payment of the Purchase
Price is subject to the prior interests of any other person or entity (excepting
the Company), as indicated by legends upon the certificate(s) or as known to the
Company. For credit toward the Purchase Price, shares so surrendered shall be
valued at their Fair Market Value (as hereinafter defined) as of the day
immediately preceding the delivery to the Company of the certificate(s)
evidencing such shares. If the Company rejects the payment in stock, the
tendered notice of exercise shall not be effective unless promptly after being
notified of such rejection the Participant exercising such vested Option pays
the Purchase Price in acceptable form. If and while payment of the Purchase
Price with stock is permitted in accordance with the foregoing provisions, the
Participant then entitled to exercise any vested portion of the Option may, in
lieu of using previously outstanding shares therefor, use the shares as to which
such vested portion of the Option is then being exercised, in which case the
notice of exercise need not be accompanied by any stock certificates but shall
include a statement directing the Company to withhold so many of the shares that
would otherwise have been delivered upon that exercise of such vested portion of
the Option as equals the number of shares that would have been transferred to
the Company if the Purchase Price had been paid with previously issued stock.

         b. Payment of the Purchase Price, or any portion thereof, may also be
made through any other form of "cashless exercise" acceptable to Company
(including, without limitation, financing through a brokerage account pursuant
to Section 220.3(e)(4) of Regulation T, as amended).

         c. The term "Fair Market Value" is defined in the Plan.

     9. Requirements of Law.

         a. The Participant represents and agrees that, unless a registration
statement under the Securities Act of 1933, as amended, is in effect as to
shares purchased upon any exercise of any of the Option evidenced by this Stock
Option Certificate, (i) any and all shares so purchased shall be acquired for
the Participant's personal account and not with a view to or for sale in
connection with any distribution, and (b) each notice of the exercise of the
Option shall be accompanied by a representation and warranty in writing, signed
by the Participant, that such shares are being so acquired in good faith for the
Participant's personal account and not with a view to or for sale in connection
with any distribution.

<PAGE>

         b. No certificate or certificates for shares purchased upon exercise of
the Option evidenced by this Stock Option Certificate shall be issued and
delivered unless and until, in the opinion of legal counsel for the Company,
such securities may be issued and delivered without causing the Company to be in
violation of or incur any liability under any federal, state or other securities
law or any other requirement of law or of any regulatory body having
jurisdiction over the Company.

         c. The Company shall not be obligated to deliver any securities
pursuant to any exercise of the Option represented by this Stock Option
Certificate unless a registration statement under the Securities Act of 1933, as
amended, with respect to such securities is effective or an exemption thereunder
is available. The Option represented by this Stock Option Certificate shall not
be exercisable by a Participant in any state where such exercise would be
unlawful.

     10. Notices. Any notice to be given to the Company shall be addressed to
the Company in care of its Secretary at its principal office, and any notice to
be given to the Participant shall be addressed to the Participant at the address
set forth beneath the Participant's signature hereto or at such other address as
the Participant may hereafter designate in writing to the Company. Any such
notice shall be deemed duly given when delivered in person or addressed as
aforesaid, registered or certified, and deposited, postage and registry or
certification fees prepaid, in a post office or branch post office regularly
maintained by the United States Postal Service.

     11. Ownership. Prior to due presentment for registration of transfer of
this Stock Option Certificate and the Option evidenced by this Stock Option
Certificate, the Company may deem and treat the Participant as the absolute
owner of this Stock Option Certificate and of such Option (notwithstanding any
notations of ownership or writing hereon made by anyone other than a duly
authorized officer of the Company) for all purposes and shall not be affected by
any notice to the contrary, except as provided in the Plan.

     12. Applicable Law. This Stock Option Certificate (i) shall be governed by
and construed in accordance with the laws of the State of Michigan without
giving effect to conflict of laws, and (ii) is not valid unless it has been
manually signed by the Participant and on behalf of the Company by its Chief
Executive Officer and its Secretary.

     IN WITNESS WHEREOF, this Stock Option Certificate has been executed as of
_____________, ______ by the Participant and on behalf of the Company.

Participant:                                COMPANY:
MEEMIC Holdings, Inc.
_________________________                   By: ________________________________
Name:                                            R. Kevin Clinton
Address:                                    Its: Chief Executive Officer

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

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

<PAGE>

Tax I.D. No.: ______________                And By: ____________________________
                                                     Annette E. Flood
                                                Its: Secretary<PAGE>

EXHIBIT 10.15e

SILICON VALLEY BANK

                         AMENDMENT TO LOAN AND SECURITY
                                    AGREEMENT

BORROWER:         SYNC RESEARCH, INC.
ADDRESS:          40 PARKER
                  IRVINE, CALIFORNIA  92618

DATED:            OCTOBER 31, 1999

         THIS AMENDMENT TO LOAN AGREEMENT is entered into between SILICON VALLEY
BANK ("Silicon") and the borrower named above (the "Borrower").

         The Parties agree to amend, effective as of the date hereof, the Loan
and Security Agreement between them, dated September 18, 1991, as amended by
that Extension Agreement dated August 3, 1992, by that Amendment to Loan
Agreement dated October 20, 1992, by that Amendment to Loan Agreement dated
August 23, 1993, by that Amendment to Loan Agreement dated February 10, 1994, by
that Amendment to Loan Agreement dated July 18, 1994, by that Amendment to Loan
Agreement dated September 20, 1994, by that Amendment to Loan and Security
Agreement dated August 31, 1995, by that Amendment to Loan and Security
Agreement (the "October 1995 Amendment") dated October 5, 1995, by that
Amendment to Loan Agreement dated July 3, 1996, by that Amendment to Loan and
Security Agreement dated October 6, 1996, by that Amendment to Loan and Security
Agreement dated June 10, 1997, by that Amendment to Loan and Security Agreement
dated as of December 3, 1997, and by that Amendment to Loan and Security
Agreement dated April 14, 1999 (as so amended and as otherwise amended from time
to time being referred to herein as the "Loan Agreement"), as follows.
(Capitalized terms used but not defined in this Agreement, shall have the
meanings set forth in the Loan Agreement.)

         1. REVISED CREDIT LIMIT. That section of the Schedule to Loan Agreement
entitled "Credit Limit (Section 1.1)" is hereby amended in its entirety to read
as follows:

     "CREDIT LIMIT
     (Section 1.1):                     An amount not to exceed (i) $2,000,000
                                        at any one time outstanding or (ii) 80%
                                        of the Net Amount of Borrower's
                                        accounts, which Silicon in its
                                        discretion deems eligible for borrowing.

                                        "Net Amount" of an account means the
                                        gross amount of the account, minus all
                                        applicable sales, use, excise and other
                                        similar taxes and minus all discounts,
                                        credits and allowances of any nature
                                        granted or claimed.

                                        Without limiting the fact that the
                                        determination of which accounts are
                                        eligible for borrowing is a matter of
                                        Silicon's discretion, the following will
                                        not be deemed eligible for

                                      -1-

<PAGE>

SILICON VALLEY BANK                    AMENDMENT TO LOAN AND SECURITY AGREEMENT
-------------------------------------------------------------------------------

                                        borrowing: accounts outstanding for
                                        more than 90 days from the invoice date,
                                        accounts subject to any contingencies,
                                        accounts owing from any government
                                        agency (unless Borrower completes such
                                        assignment of claims documentation and
                                        other documentation that Silicon
                                        determines is necessary or desirable to
                                        perfect and protect the interest of
                                        Silicon therein), accounts owing from an
                                        account debtor outside the United States
                                        (unless pre-approved by Silicon in its
                                        discretion, or backed by a letter of
                                        credit satisfactory to Silicon, or FCIA
                                        insured satisfactory to Silicon),
                                        accounts owing from one account debtor
                                        to the extent they exceed 25% of the
                                        total eligible accounts outstanding,
                                        accounts owing from an affiliate of
                                        Borrower, and accounts owing from an
                                        account debtor to whom Borrower is or
                                        may be liable for goods purchased from
                                        such account debtor or otherwise. In
                                        addition, if more than 50% of the
                                        accounts owing from an account debtor
                                        are outstanding more than 90 days from
                                        the invoice date or are otherwise not
                                        eligible accounts, then all accounts
                                        owing from that account debtor will be
                                        deemed ineligible for borrowing.

     STANDBY LETTER OF CREDIT           In addition to the Loans available to
                                        the Borrower as set forth above, Silicon
                                        has issued a standby letter of credit in
                                        the amount of $300,000 that is cash
                                        collateralized on a separate basis
                                        pursuant to standard Silicon
                                        documentation and such standby letter of
                                        credit obligations are not considered a
                                        sublimit of the Credit Limit set forth
                                        above."

         2. REVISED FINANCIAL COVENANTS. That section of the Schedule to Loan
Agreement entitled "Credit Limit (Section 1.1)" is hereby amended in its
entirety to read as follows:

     "FINANCIAL COVENANTS
       (Section 4.1):                   Borrower shall comply with all of the
                                        following covenants. Compliance shall be
                                        determined as of the end of each month,
                                        except as otherwise specifically
                                        provided below:

     LIQUIDITY COVENANT                 Borrower shall maintain cash on hand,
                                        cash equivalents and marketable
                                        securities in an amount not less than
                                        $6,000,000, with the understanding that
                                        at least $2,000,000 thereof shall be on
                                        deposit with Silicon at all times.

     DEBT TO NET WORTH RATIO:           Borrower shall maintain a ratio of total
                                        liabilities to tangible net worth of not
                                        more than 1.00 to 1.

     PROFITABILITY:                     Borrower shall not incur a loss (after
                                        taxes) for the fiscal quarter ending
                                        December 31, 1999 in excess of
                                        $1,000,000; and Borrower shall not incur
                                        a loss (after taxes) for the fiscal
                                        quarter ending March 31, 2000 in excess
                                        of $1,000,000. Alternatively, Borrower
                                        shall also be deemed to comply with this
                                        covenant if Borrower does not incur a
                                        loss (after taxes) in excess of
                                        $2,000,000 for the two quarter
                                        cumulative period ending March 31, 2000.

                                      -2-

<PAGE>

SILICON VALLEY BANK                    AMENDMENT TO LOAN AND SECURITY AGREEMENT
-------------------------------------------------------------------------------

     DEFINITIONS:                       "Current assets," and "current
                                        liabilities" shall have the meanings
                                        ascribed to them in accordance with
                                        generally accepted accounting
                                        principles.

                                        "Tangible net worth" means the excess of
                                        total assets over total liabilities,
                                        determined in accordance with generally
                                        accepted accounting principles,
                                        excluding however all assets which would
                                        be classified as intangible assets under
                                        generally accepted accounting
                                        principles, including without limitation
                                        goodwill, licenses, patents, trademarks,
                                        trade names, copyrights, and franchises.

                                        "Quick Assets" means cash on hand or on
                                        deposit in banks, readily marketable
                                        securities issued by the United States,
                                        readily marketable commercial paper
                                        rated "A-1" by Standard & Poor's
                                        Corporation (or a similar rating by a
                                        similar rating organization),
                                        certificates of deposit and banker's
                                        acceptances, and accounts receivable
                                        (net of allowance for doubtful
                                        accounts).

     SUBORDINATED DEBT:                 "Liabilities" for purposes of the
                                        foregoing covenants do not include
                                        indebtedness which is subordinated to
                                        the indebtedness to Silicon under a
                                        subordination agreement in form
                                        specified by Silicon or by language in
                                        the instrument evidencing the
                                        indebtedness which is acceptable to
                                        Silicon."

         3. REPORTING. Paragraph 2 of that section of the Schedule to Loan
Agreement entitled "Other Covenants (Section 4.1)" is hereby amended in its
entirety to read as follows:

         "2. MONTHLY BORROWING BASE CERTIFICATE AND LISTING. Within 20 days of
          the end of each month, Borrower shall provide Silicon with a Borrowing
          Base Certificate in such form as Silicon shall specify, and an aged
          listing of Borrower's accounts receivable."

         4. FEE. Borrower shall pay to Silicon a facility fee in the amount of
$1,000 concurrently, which shall be in addition to all interest and all other
amounts payable under the Loan Agreement, and which shall not be refundable.

         5. REPRESENTATIONS TRUE. Borrower represents and warrants to Silicon
that all representations and warranties set forth in the Loan Agreement, as
amended hereby, are true and correct.

         6. GENERAL PROVISIONS. This Amendment, the Loan Agreement, any prior
written amendments to the Loan Agreement signed by Silicon and the Borrower, and
the other written documents and agreements between Silicon and the Borrower set
forth in full all of the representations and agreements of the parties with
respect to the subject matter hereof and supersede all prior discussions,
representations, agreements and understandings between the parties with respect
to the subject hereof. Except as herein expressly amended, all of the terms and
provisions of the Loan Agreement, as so amended, and all other documents and
agreements between Silicon and the Borrower shall continue in full force and
effect and the same are hereby ratified and confirmed.

                                      -3-

<PAGE>

SILICON VALLEY BANK                    AMENDMENT TO LOAN AND SECURITY AGREEMENT
-------------------------------------------------------------------------------

   SYNC RESEARCH, INC.                               SILICON VALLEY BANK

   By    /s/ William K. Guerry                     By     /s/ Marla Johnson
         PRESIDENT OR VICE PRESIDENT
         ----------------------------                     --------------------
                                                   Title   VICE PRESIDENT
                                                          --------------------

   By    /s/ William K. Guerry
         SECRETARY OR ASS'T SECRETARY
         ----------------------------

                                      -4-

<PAGE>

SILICON VALLEY BANK

CERTIFIED RESOLUTION

BORROWER:                  SYNC RESEARCH, INC., A CORPORATION
                           ORGANIZED UNDER THE LAWS OF THE
                           STATE OF DELAWARE

ADDRESS:                   12 MORGAN
                           IRVINE, CALIFORNIA  92618

DATE:                      OCTOBER 31, 1999

         I, the undersigned, Secretary or Assistant Secretary of the above-named
borrower, a corporation organized under the laws of the state set forth above,
do hereby certify that the following is a full, true and correct copy of
resolutions duly and regularly adopted by the Board of Directors of said
corporation as required by law, and by the by-laws of said corporation, and that
said resolutions are still in full force and effect and have not been in any way
modified, repealed, rescinded, amended or revoked.

     RESOLVED, that this corporation borrow from Silicon Valley Bank
     ("Silicon"), from time to time, such sum or sums of money as, in the
     judgment of the officer or officers hereinafter authorized hereby, this
     corporation may require.

     RESOLVED FURTHER, that any officer of this corporation be, and he or she is
     hereby authorized, directed and empowered, in the name of this corporation,
     to execute and deliver to Silicon, and Silicon is requested to accept, the
     loan agreements, security agreements, notes, financing statements, and
     other documents and instruments providing for such loans and evidencing
     and/or securing such loans, with interest thereon, and said authorized
     officers are authorized from time to time to execute renewals, extensions
     and/or amendments of said loan agreements, security agreements, and other
     documents and instruments.

     RESOLVED FURTHER, that said authorized officers be and they are hereby
     authorized, directed and empowered, as security for any and all
     indebtedness of this corporation to Silicon, whether arising pursuant to
     this resolution or otherwise, to grant, transfer, pledge, mortgage, assign,
     or otherwise hypothecate to Silicon, or deed in trust for its benefit, any
     property of any and every kind, belonging to this corporation, including,
     but not limited to, any and all real property, accounts, inventory,
     equipment, general intangibles, instruments, documents, chattel paper,
     notes, money, deposit accounts, furniture, fixtures, goods, and other
     property of every kind, and to execute and deliver to Silicon any and all
     grants, transfers, trust receipts, loan or credit agreements, pledge
     agreements, mortgages, deeds of trust, financing statements, security
     agreements and other hypothecation agreements, which said instruments and
     the note or notes and other instruments referred to in the preceding
     paragraph may contain such provisions, covenants, recitals and agreements
     as Silicon may require and said authorized officers may approve, and the
     execution thereof by said authorized officers shall be conclusive evidence
     of such approval.

     RESOLVED FURTHER, that Silicon may conclusively rely upon a certified copy
     of these resolutions and a certificate of the Secretary or Ass't Secretary
     of this corporation as to the officers of this corporation and their
     offices and signatures, and continue to conclusively rely on such certified
     copy of these resolutions and said certificate for all past, present and
     future transactions until written notice of any change hereto or thereto is
     given to Silicon by this corporation by certified mail, return receipt
     requested.

   The undersigned further hereby certifies that the following persons are the
duly elected and acting officers of the corporation named above as borrower and
that the following are their actual signatures:

<TABLE>
<CAPTION>

   NAMES                                    OFFICE(S)                                   ACTUAL SIGNATURES
   -----                                    ---------                                   -----------------
   <S>                                      <C>                                         <C>
   William K. Guerry                        President & Ceo                             x /s/ William K. Guerry
   ------------------------------           -------------------------------              ---------------------------

   ------------------------------           -------------------------------             x---------------------------
</TABLE>

                                      -1-

<PAGE>

SILICON VALLEY BANK                                 LOAN AND SECURITY AGREEMENT
-------------------------------------------------------------------------------

<TABLE>

   <S>                                      <C>                                         <C>

   ------------------------------           -------------------------------             x---------------------------

   ------------------------------           -------------------------------             x---------------------------
</TABLE>

   IN WITNESS WHEREOF, I have hereunto set my hand as such Secretary or
Assistant Secretary on the date set forth above.

                                                /s/ William K. Guerry
                                                --------------------------------
                                                Secretary or Assistant Secretary

                                      -2-

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