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                                                                     EXHIBIT 4.1

                             PINNACLE HOLDINGS INC.
                              STOCK INCENTIVE PLAN
                                (AS OF MAY 2001)

1.       PURPOSE. The purpose of this Stock Incentive Plan (the "Plan") is to
         further the interests of Pinnacle Holdings Inc., a Delaware
         corporation, its Subsidiaries and its shareholders by providing
         incentives in the form of grants of stock options and restricted stock
         to key employees and other persons who contribute materially to the
         success and profitability of the Company. Also, the Plan will assist
         the Company in attracting and retaining key persons.

2.       DEFINITIONS.  The following definitions will apply to the Plan:

         A.       "AWARD" means, individually or collectively, a grant under the
                  Plan of a Nonqualified Stock Option, an Incentive Stock Option
                  or Restricted Stock.

         B.       "BOARD" means the board of directors of Pinnacle Holdings Inc.

         C.       "CAUSE" means (i) any intentional misapplication by the
                  Recipient of the Company's funds, intended to result directly
                  or indirectly in significant gain or personal enrichment at
                  the expense of the Company, or any other act of dishonesty
                  committed by the Recipient in connection with the Company's
                  business; (ii) the Recipient's conviction of a crime involving
                  moral turpitude; (iii) the Recipient's non-performance or
                  non-observance in any material respect of any requirement with
                  respect to the Recipient's employment; or (iv) any other
                  action by the Recipient involving willful and deliberate
                  malfeasance or negligence in the performance of the
                  Recipient's duties; provided that "Cause" may be otherwise
                  defined for purposes of any Award in the related Option
                  Agreement or Restricted Stock Agreement.

         D.       "CODE" means the Internal Revenue Code of 1986, as amended.

         E.       "COMMITTEE" means the stock incentive committee appointed by
                  the Board and consisting solely of two or more directors who
                  are "outside directors" as such term is defined in Section
                  162(m) of the Code, and "nonemployee directors" as such term
                  is defined in Rule 16b-3 under the Securities Exchange Act of
                  1934 ("1934 Act"). The Board may appoint a different stock
                  incentive committee for the purpose of granting Awards to
                  Eligible Persons who are not currently and are not expected to
                  subsequently become subject to the requirements of Section 16
                  of the 1934 Act or Section 162(m) of the Code. If the Board
                  does not appoint a stock incentive committee, "Committee"
                  means the Board.

         F.       "COMMON STOCK" means the Common Stock, par value $.001 per
                  share of Pinnacle Holdings Inc., or such other class of shares
                  or securities as to which the Plan may be applicable pursuant
                  to Section 9 of the Plan.

         G.       "COMPANY" means Pinnacle Holdings Inc. and its Subsidiaries.

         H.       "DATE OF GRANT" means the date on which the Option or
                  Restricted Stock, whichever is applicable, is granted.

         I.       "DISABILITY" means "disability" as defined in the Company's
                  long term disability plan or policy.

         J.       "ELIGIBLE PERSON" means any person who performs or has in the
                  past performed services for the Company, whether as a
                  director, officer, Employee, consultant or other independent
                  contractor, and any person who performs services relating to
                  the Company as an employee or independent contractor of a
                  corporation or other entity that provides services for the
                  Company.

         K.       "EMPLOYEE" means any person employed on an hourly or salaried
                  basis by the Company.

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         L.       "FAIR MARKET VALUE" means the fair market value of the Common
                  Stock. If the Common Stock is publicly traded on the date as
                  of which fair market value is being determined, the Fair
                  Market Value is the closing sale price of the Common Stock on
                  the trading day next preceding such date as reported on the
                  registered national exchange providing the primary market in
                  the Common Stock, or if the Common Stock was not traded on
                  such market, the average of the closing bid prices as reported
                  by the Nasdaq Stock Market on that date. If the Common Stock
                  is not publicly traded on the date as of which fair market
                  value is being determined, the Board will determine the fair
                  market value of the Shares, using such factors as the Board
                  considers relevant, such as the price at which recent sales
                  have been made, the book value of the Common Stock, and the
                  Company's current and projected earnings.

         M.       "INCENTIVE STOCK OPTION" means a stock option, granted
                  pursuant to this Plan or any other Company plan, that
                  satisfies the requirements of Section 422 of the Code and that
                  entitles the Recipient to purchase Common Stock.

         N.       "NONQUALIFIED STOCK OPTION" means a stock option, granted
                  pursuant to the Plan, that is not an Incentive Stock Option
                  and that entitles the Recipient to purchase Common Stock.

         O.       "OPTION" means an Incentive Stock Option or a Nonqualified
                  Stock Option.

         P.       "OPTION AGREEMENT" means a written agreement, between the
                  Company and a Recipient, that sets out the terms and
                  restrictions of an Option Award.

         Q.       "OPTION SHAREHOLDER" means an Employee who has acquired Shares
                  upon exercise of an Option.

         R.       "OPTION SHARES" means Shares that a Recipient receives upon
                  exercise of an Option.

         S.       "PERIOD OF RESTRICTION" means the period beginning on the Date
                  of Grant of a Restricted Stock Award and ending on the date on
                  which all restrictions applicable to the Shares subject to
                  such Award expire.

         T.       "PLAN" means this Pinnacle Holdings Inc. Stock Incentive Plan,
                  as amended from time to time.

         U.       "RECIPIENT" means an individual who receives an Award.

         V.       "RESTRICTED STOCK" means an Award granted pursuant to Section
                  7 of the Plan.

         W.       "RESTRICTED STOCK AGREEMENT" means a written agreement,
                  between the Company and a Recipient, that sets out the terms
                  and restrictions of a Restricted Stock Award.

         X.       "SHARE" means a share of the Common Stock, as adjusted in
                  accordance with Section 9 of the Plan.

         Y.       "SUBSIDIARY" means any entity 50 percent or more of the voting
                  securities of which are owned directly or indirectly by the
                  Company at any time during the existence of the Plan.

3.       ADMINISTRATION. The Committee will administer the Plan. The Committee
         has the exclusive power to select the Recipients of Awards pursuant to
         the Plan, to establish the terms of the Awards granted to each
         Recipient, and to make all other determinations necessary or advisable
         under the Plan. The Committee has the sole discretion to determine
         whether the performance of an Eligible Person warrants an Award under
         the Plan, and to determine the size and type of the Award. The
         Committee has full and exclusive power to construe and interpret the
         Plan, to prescribe, amend, and rescind rules and regulations relating
         to the Plan, and to take all actions necessary or advisable for the
         Plan's administration. The Committee, in the exercise of its powers,
         may correct any defect or supply any omission, or reconcile any
         inconsistency in the Plan, or in any Agreement, in the manner and to
         the extent it deems necessary or expedient to make the Plan fully
         effective. In exercising this power, the Committee may retain counsel
         at the expense of the Company. The Committee also has the power to
         determine the duration and purposes of leaves of absence which may be
         granted to a Recipient without constituting a termination of the
         Recipient's employment for purposes of the Plan. Any of the Committee's
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         determinations will be final and binding on all persons. A member of
         the Committee will not be liable for performing any act or making any
         determination in good faith.

4.       SHARES SUBJECT TO PLAN. Subject to the provisions of Section 9 of the
         Plan, the maximum aggregate number of Shares that may be subject to
         Awards under the Plan is 5,000,000. If an unexercised Option expires or
         becomes unexercisable, the unpurchased Shares subject to such Option
         will be available for other Awards under the Plan. If any portion of a
         Restricted Stock Award is forfeited during the applicable Period of
         Restriction, the forfeited shares will be available for other Awards
         under the Plan.

5.       ELIGIBILITY. Any Eligible Person that the Committee in its sole
         discretion designates is eligible to receive an Award under the Plan.
         Only an Employee may receive an Incentive Stock Option. The Committee's
         grant of an Award to a Recipient in any year does not entitle the
         Recipient to an Award in any other year. Furthermore, the Committee may
         grant different Awards to different Recipients. The Committee may
         consider such factors as it deems pertinent in selecting Recipients and
         in determining the types and sizes of their Awards. Recipients may
         include persons who previously received stock, stock options or other
         benefits under the Plan or another plan of the Company or a Subsidiary,
         whether or not the previously granted benefits have been fully
         exercised or vested. An Award will not enlarge or otherwise affect a
         Recipient's right, if any, to continue to serve the Company and its
         Subsidiaries in any capacity, and will not restrict the right of the
         Company or a Subsidiary to terminate at any time the Recipient's
         employment.

6.       OPTIONS. The Committee may grant Options to purchase Common Stock to
         Recipients in such amounts as the Committee determines in its sole
         discretion. Subject to the provisions of Section 9 of the Plan, during
         any 12-month period, the Committee may not grant to any Recipient
         Options to purchase more than a total of 1,000,000 Shares. An Option
         Award may be in the form of an Incentive Stock Option or a Nonqualified
         Stock Option. The Committee may grant an Option alone or in addition to
         another Award for the same Recipient. Each Option will satisfy the
         following requirements:

         A.       WRITTEN AGREEMENT. Each Option granted to a Recipient will be
                  evidenced by an Option Agreement. The terms of the Option
                  Agreement need not be identical for different Recipients or
                  for different Awards. The Option Agreement will contain such
                  provisions as the Committee deems appropriate and will include
                  a description of the substance of each of the requirements in
                  this Section 6.

         B.       NUMBER OF SHARES. Each Option Agreement will specify the
                  number of Shares that the Recipient may purchase upon exercise
                  of the Option.

         C.       EXERCISE PRICE.

                  I.       INCENTIVE STOCK OPTION. Except as provided in
                           subsection 6(l) of the Plan, the exercise price of
                           each Share subject to an Incentive Stock Option will
                           equal the exercise price designated by the Committee,
                           but will not be less than the Fair Market Value of
                           the Share on the Date of Grant.

                  II.      NONQUALIFIED STOCK OPTION. The exercise price of each
                           Share subject to a Nonqualified Stock Option will
                           equal the exercise price designated by the Committee.

         D.       DURATION OF OPTION.

                  I.       INCENTIVE STOCK OPTION. Except as otherwise provided
                           in this Section 6, an Incentive Stock Option will
                           expire on the earlier of the tenth anniversary of the
                           Date of Grant or the date set by the Committee on the
                           Date of Grant.

                  II.      NONQUALIFIED STOCK OPTION. Except as otherwise
                           provided in this Section 6, a Nonqualified Stock
                           Option will expire on the tenth anniversary of its
                           Date of Grant or, at such earlier or later date set
                           by the Committee on the Date of Grant.

         E.       VESTING OF OPTION. Each Option Agreement will specify the
                  vesting schedule applicable to the

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                  Option. The Committee, in its sole discretion, may accelerate
                  the vesting of any Option at any time.

         F.       DEATH.

                  I.       INCENTIVE STOCK OPTION. If a Recipient dies, an
                           Incentive Stock Option granted to the Recipient will
                           expire on the one-year anniversary of the Recipient's
                           death, or if earlier, the date specified in or
                           pursuant to subsection 6.d. of the Plan, unless the
                           Committee sets an earlier expiration date on the Date
                           of Grant.

                  II.      NONQUALIFIED STOCK OPTION. If a Recipient dies, a
                           Nonqualified Stock Option granted to the Recipient
                           will expire on the one-year anniversary of the
                           Recipient's death, or if earlier, the date specified
                           in or pursuant to subsection 6.d. of the Plan, unless
                           the Committee sets an earlier or later expiration
                           date on the Date of Grant, or a later expiration date
                           subsequent to the Date of Grant but prior to the
                           one-year anniversary of the Recipient's death.

         G.       DISABILITY.

                  I.       INCENTIVE STOCK OPTION. If the Recipient terminates
                           employment with the Company because of his
                           Disability, an Incentive Stock Option granted to the
                           Recipient will expire on the one-year anniversary of
                           the Recipient's last day of employment, or, if
                           earlier, the date specified in or pursuant to
                           subsection 6.d. of the Plan.

                  II.      NONQUALIFIED STOCK OPTION. If the Recipient
                           terminates employment with the Company because of his
                           Disability, a Nonqualified Stock Option granted to
                           the Recipient will expire on the one-year anniversary
                           of the Recipient's last day of employment, or, if
                           earlier, the date specified in or pursuant to
                           subsection 6.d. of the Plan, unless the Committee
                           sets an earlier or later expiration date on the Date
                           of Grant or a later expiration date subsequent to the
                           Date of Grant but prior to the one-year anniversary
                           of the Recipient's last day of employment.

         H.       RETIREMENT OR INVOLUNTARY TERMINATION.

                  I.       INCENTIVE STOCK OPTION. If the Recipient terminates
                           employment with the Company as a result of his
                           retirement in accordance with the Company's normal
                           retirement policies, or if the Company terminates the
                           Recipient's employment other than for Cause, an
                           Incentive Stock Option granted to the Recipient will
                           expire 90 days following the last day of the
                           Recipient's employment, or, if earlier, the date
                           specified in or pursuant to subsection 6.d. of the
                           Plan, unless the Committee sets an earlier expiration
                           date on the Date of Grant.

                  II.      NONQUALIFIED STOCK OPTION. If the Recipient
                           terminates employment with the Company as a result of
                           his retirement in accordance with the Company's
                           normal retirement policies, or if the Company
                           terminates the Recipient's employment other than for
                           Cause, a Nonqualified Stock Option granted to the
                           Recipient will expire 90 days following the last day
                           of the Recipient's employment, or, if earlier, the
                           date specified in or pursuant to subsection 6.d. of
                           the Plan, unless the Committee sets an earlier or
                           later expiration date on the Date of Grant or a later
                           expiration date subsequent to the Date of Grant but
                           prior to 90 days following the Recipient's last day
                           of employment.

         I.       TERMINATION OF SERVICE. If the Recipient's employment with the
                  Company terminates for any reason other than the reasons
                  described in Sections 6.f, 6.g., 6.h., or 6.j. of the Plan, an
                  Option granted to the Recipient will expire 30 days following
                  the last day of the Recipient's employment with the Company,
                  or, if earlier, the date specified in or pursuant to
                  subsection 6.d. of the Plan, unless the Committee sets an
                  earlier or later expiration date on the Date of Grant or a
                  later expiration date subsequent to the Date of Grant but
                  prior to the 30th day following the Recipient's last day of
                  employment. The Committee may not delay the expiration of an
                  Incentive Stock Option more than 90 days after termination of
                  the Recipient's employment. During any delay of the expiration
                  date, the Option will be exercisable only to the extent it is
                  exercisable on the date the Recipient's employment terminates,
                  subject to any adjustment under Section 9 of the Plan.

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         J.       CAUSE. Notwithstanding any provisions set forth in the Plan,
                  if the Company terminates the Recipient's employment for
                  Cause, any unexercised portion(s) of the Recipient's Option(s)
                  will expire immediately upon the earlier of the occurrence of
                  the event that constitutes Cause or the last day the Recipient
                  is employed by the Company.

         K.       CONDITIONS REQUIRED FOR EXERCISE. An Option is exercisable
                  only to the extent it is vested according to the terms of the
                  Option Agreement. Furthermore, an Option is exercisable only
                  if the issuance of Shares upon exercise would comply with
                  applicable securities laws. Each Agreement will specify any
                  additional conditions required for the exercise of the Option.

         L.       TEN PERCENT SHAREHOLDERS. An Incentive Stock Option granted to
                  an individual who, on the Date of Grant, owns stock possessing
                  more than 10 percent of the total combined voting power of all
                  classes of stock of either the Company or any parent or
                  Subsidiary, will have an exercise price of 110 percent of Fair
                  Market Value on the Date of Grant and will be exercisable only
                  during the five-year period immediately following the Date of
                  Grant. For purposes of calculating stock ownership of any
                  person, the attribution rules of Code Section 424(d) will
                  apply, and any stock that such person may purchase under
                  outstanding options will not be considered.

         M.       MAXIMUM OPTION GRANTS. The aggregate Fair Market Value,
                  determined on the Date of Grant, of Shares with respect to
                  which any Incentive Stock Options under the Plan and all other
                  plans of the Company or its Subsidiaries become exercisable by
                  any individual for the first time in any calendar year will
                  not exceed $100,000.

         N.       METHOD OF EXERCISE. An Option will be deemed exercised when
                  the person entitled to exercise the Option (i) delivers
                  written notice to the President of the Company (or his
                  delegate, in his absence) of the decision to exercise, (ii)
                  concurrently tenders to the Company full payment for the
                  Shares to be purchased pursuant to the exercise, and (iii)
                  complies with such other reasonable requirements as the
                  Committee establishes pursuant to Section 8 of the Plan.
                  Payment for Shares with respect to which an Option is
                  exercised may be made (i) in cash, (ii) by certified check,
                  (iii) if permitted by the Committee in the case of such
                  exercise, in the form of Common Stock having a Fair Market
                  Value equal to the exercise price, or (iv) by delivery of a
                  notice instructing the Company to deliver the Shares to a
                  broker subject to the broker's delivery of cash to the Company
                  equal to the exercise price. No person will have the rights of
                  a shareholder with respect to Shares subject to an Option
                  granted under the Plan until a certificate or certificates for
                  the Shares have been delivered to him. A partial exercise of
                  an Option will not affect the holder's right to exercise the
                  remainder of the Option from time to time in accordance with
                  the Plan.

         O.       LOAN FROM COMPANY TO EXERCISE OPTION. The Committee may, in
                  its discretion and subject to the requirements of applicable
                  law, recommend to the Company that it lend the Recipient the
                  funds needed by the Recipient to exercise an Option. The
                  Recipient will apply to the Company for the loan, completing
                  the forms and providing the information required by the
                  Company. The loan will be secured by such collateral as the
                  Company may require, subject to its underwriting requirements
                  and the requirements of applicable law. The Recipient will
                  execute a promissory note and any other documents deemed
                  necessary by the Company.

         P.       DESIGNATION OF BENEFICIARY. Each Recipient may file with the
                  Company a written designation of a beneficiary to receive the
                  Recipient's Options in the event of the Recipient's death
                  prior to full exercise of such Options. If the Recipient does
                  not designate a beneficiary, or if the designated beneficiary
                  does not survive the Recipient, the Recipient's estate will be
                  his beneficiary. Recipients may, by written notice to the
                  Company, change a beneficiary designation.

         Q.       NONTRANSFERABILITY OF OPTION. An Option granted under the Plan
                  is not transferable except by will or the laws of descent and
                  distribution. During the lifetime of the Recipient, all rights
                  of the Option are exercisable only by the Recipient.

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7.       RESTRICTED STOCK. The Committee may grant Restricted Stock Shares to
         Recipients in such amounts as the Committee determines in its sole
         discretion. The Committee may grant Restricted Stock alone or in
         addition to another Award. Each Restricted Stock Award granted to a
         Recipient will satisfy the following requirements:

         A.       WRITTEN AGREEMENT. Each Restricted Stock Award granted to a
                  Recipient will be evidenced by a Restricted Stock Agreement.
                  The terms of the Restricted Stock Agreement need not be
                  identical for different Recipients. The Restricted Stock
                  Agreement will specify the Period(s) of Restriction. In
                  addition, the Restricted Stock Agreement will include a
                  description of the substance of each of the requirements in
                  this Section 7 and will contain such provisions as the
                  Committee deems appropriate.

         B.       NUMBER OF SHARES. Each Agreement will specify the number of
                  Restricted Stock Shares granted to the Recipient.

         C.       TRANSFERABILITY. Restricted Stock Shares may not be sold,
                  transferred, pledged, assigned or otherwise alienated or
                  hypothecated until the end of the applicable Period of
                  Restriction, or upon earlier satisfaction of any other
                  conditions, as specified in the Restricted Stock Agreement.

         D.       OTHER RESTRICTIONS. The Committee will impose on Restricted
                  Stock Shares any other restrictions that the Committee deems
                  advisable, including, without limitation, vesting
                  restrictions, restrictions based upon the achievement of
                  specific Company-wide, Subsidiary, individual performance
                  goals and/or any other criteria that the Committee may select,
                  and/or restrictions under applicable federal or state
                  securities laws, and may require that the certificate
                  representing Restricted Stock carry a legend to give
                  appropriate notice of such restrictions. The Committee may
                  also require that Recipients make cash payments at the time of
                  grant and/or upon expiration of restrictions. Any such cash
                  payments will equal an amount not less than the par value of
                  the Restricted Stock Shares.

         E.       CERTIFICATE LEGEND. In addition to any legends placed on
                  certificates pursuant to subsection 8.d. of the Plan, each
                  certificate representing Restricted Stock Shares will bear the
                  following legend:

                           "The sale or other transfer of the Shares of stock
                           represented by this certificate, whether voluntary,
                           involuntary, or by operation of law, is subject to
                           certain restrictions on transfer as set forth in the
                           Pinnacle Holdings Inc. Stock Incentive Plan, as
                           amended, and in a Restricted Stock Agreement dated
                           ___________. A copy of the Plan and the Restricted
                           Stock Agreement may be obtained from the Chief
                           Financial Officer of Pinnacle Holdings Inc."

         F.       REMOVAL OF RESTRICTIONS. Except as otherwise provided in this
                  Section 7, Restricted Stock Shares will become freely
                  transferable by the Recipient after the Period of Restriction
                  expires. The Recipient will be entitled to removal of the
                  legend required by subsection 8.e. of the Plan following the
                  expiration of the Period of Restriction.

         G.       VOTING RIGHTS. During the Period of Restriction, Recipients
                  holding Restricted Stock Shares may exercise full voting
                  rights with respect to such Shares.

         H.       DIVIDENDS AND OTHER DISTRIBUTIONS. During the Period of
                  Restriction, Recipients holding Restricted Stock Shares will
                  be entitled to receive all dividends and other distributions
                  paid with respect to such Shares. If any such dividends or
                  distributions are paid in Shares, such Shares will be subject
                  to the same restrictions on transferability and forfeitability
                  as the Restricted Stock Shares with respect to which they were
                  paid.

         I.       TERMINATION OF SERVICE. If the Recipient ceases employment
                  with the Company, the Recipient will forfeit immediately all
                  nonvested Restricted Stock Shares held by the Recipient to the
                  Company. The Committee may, in its sole discretion and upon
                  such terms and conditions as it deems proper, provide for
                  expiration of the restrictions on Restricted Stock Shares
                  following termination of employment.

         J.       DESIGNATION OF BENEFICIARY. Each Recipient may file with the
                  Company a written designation of a beneficiary to receive the
                  Recipient's Restricted Stock Shares in the event of the
                  Recipient's death

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                  prior to removal of all restrictions on such Shares. If the
                  Recipient does not designate a beneficiary, or if the
                  designated beneficiary does not survive the Recipient, the
                  Recipient's estate will be his beneficiary. Recipients may, by
                  written notice to the Company, change a beneficiary
                  designation.

8.       TAXES; COMPLIANCE WITH LAW; APPROVAL OF REGULATORY BODIES; LEGENDS. The
         Company will have the right to withhold from payments otherwise due and
         owing to the Recipient or his beneficiary or to require the Recipient
         or his beneficiary to remit to the Company in cash upon demand an
         amount sufficient to satisfy any federal (including FICA and FUTA
         amounts), state, and/or local withholding tax requirements at the time
         the Recipient or his beneficiary recognizes income for federal, state,
         and/or local tax purposes with respect to any Award under the Plan.

         The Committee may grant Awards and the Company may deliver Shares under
         the Plan only in compliance with all applicable federal and state laws
         and regulations and the rules of all stock exchanges on which the
         Company's stock is listed at any time. An Option is exercisable only if
         either (i) a registration statement pertaining to the Shares to be
         issued upon exercise of the Option has been filed with and declared
         effective by the Securities and Exchange Commission and remains
         effective on the date of exercise, or (ii) an exemption from the
         registration requirements of applicable securities laws is available.
         The Plan does not require the Company, however, to file such a
         registration statement or to assure the availability of such
         exemptions. Any certificate issued to evidence Shares issued under the
         Plan may bear such legends and statements, and will be subject to such
         transfer restrictions, as the Committee deems advisable to assure
         compliance with federal and state laws and regulations and with the
         requirements of this Section 8. No Option may be exercised, and Shares
         may not be issued under the Plan, until the Company has obtained the
         consent or approval of every regulatory body, federal or state, having
         jurisdiction over such matters as the Committee deems advisable.

         Each person who acquires the right to exercise an Option or to
         ownership of Shares by transfer, bequest or inheritance may be required
         by the Committee to furnish reasonable evidence of ownership of the
         Option as a condition to his exercise of the Option or receipt of
         Shares. In addition, the Committee may require such consents and
         releases of taxing authorities as the Committee deems advisable.

         With respect to persons subject to Section 16 of the 1934 Act,
         transactions under the Plan are intended to comply with all applicable
         conditions of Rule 16b-3 under the 1934 Act, as such Rule may be
         amended from time to time, or its successor under the 1934 Act. To the
         extent any provision of the Plan or action by the Committee or the
         Company fails to so comply, it will be deemed null and void, to the
         extent permitted by law and deemed advisable by the Committee.

9.       ADJUSTMENT UPON CHANGE OF SHARES. If a reorganization, merger,
         consolidation, reclassification, recapitalization, combination or
         exchange of shares, stock split, stock dividend, rights offering, or
         other expansion or contraction of the Common Stock occurs, the
         Committee will equitably adjust the number and class of Shares for
         which Awards are authorized to be granted under the Plan, the number
         and class of Shares then subject to Awards previously granted to
         Employees under the Plan, and the price per Share payable upon exercise
         of each Award outstanding under the Plan. To the extent deemed
         equitable and appropriate by the Board, subject to any required action
         by shareholders, any Award will pertain to the securities and other
         property to which a holder of the number of Shares of stock covered by
         the Award would have been entitled to receive in connection with any
         merger, consolidation, reorganization, liquidation or dissolution.

10.      LIABILITY OF THE COMPANY. Neither the Company, its parent nor any
         Subsidiary that is in existence or hereafter comes into existence will
         be liable to any person for any tax consequences incurred by a
         Recipient or other person with respect to an Award.

11.      AMENDMENT AND TERMINATION OF PLAN. The Board may alter, amend, or
         terminate the Plan from time to time without approval of the
         shareholders of the Company. The Board may, however, condition any
         amendment on the approval of the shareholders of the Company if such
         approval is necessary or advisable with respect to tax, securities or
         other laws applicable to the Company, the Plan, Recipients or Eligible
         Persons. Any amendment, whether with or without the approval of
         shareholders of the Company, that alters the terms or provisions of an
         Award granted before the amendment (unless the alteration is expressly
         permitted under the Plan) will be effective only with the consent of
         the Recipient of the Award or the holder currently entitled to exercise
         the

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         Award. Without the consent of any such Recipient or holder, the Board
         may establish a date or event upon which the Plan and all unexercised
         Options will terminate; provided, however, that the Board must provide
         to the Recipients of the unexercised Options or the holders currently
         entitled to exercise the Options written notice of the termination of
         the Plan and all outstanding Options no less than 30 days prior to the
         date or event upon which the Plan and all unexercised Options will
         terminate.

12.      EXPENSES OF PLAN. The Company will bear the expenses of administering
         the Plan.

13.      DURATION OF PLAN. Awards may be granted under the Plan only during the
         10 years immediately following the original effective date of the Plan.

14.      NOTICES. All notices to the Company will be in writing and will be
         delivered to the President of the Company. All notices to a Recipient
         will be delivered personally or mailed to the Recipient at his address
         appearing in the Company's personnel records. The address of any person
         may be changed at any time by written notice given in accordance with
         this Section 14.

15.      APPLICABLE LAW. The validity, interpretation, and enforcement of the
         Plan are governed in all respects by the laws of Florida and the United
         States of America.

16.      EFFECTIVE DATE. The effective date of the Plan will be the earlier of
         (i) the date on which the Board adopts the Plan or (ii) the date on
         which the Shareholders approve the Plan.<PAGE>   1
                                                                    Exhibit 10.1

VERIO
AUTHORIZED WEB AGENT AGREEMENT

Please complete and fax back entire agreement to us at 1-509-756-1239

This Authorized Sales Representative Agreement ("Agreement") is made and entered
into this 19th day of April, in the year 2001, by and between Verio Inc., a
Delaware corporation ("Verio"), having its corporate headquarters at 8005 S.
Chester Street, Suite 200, Englewood, Colorado 80112, and Investment Agents,
Inc., a Nevada corporation ("Web Agent") having its principal place of business
at 6767 W. Tropicana Blvd., Suite 207, Las Vegas, NV 89103-4754.

WHEREAS, Verio is engaged in the business of providing Web hosting, e-commerce
and related Internet presence services (collectively "Services");

WHEREAS, Web Agent desires to become an authorized sales and marketing
representative for Verio pursuant to Verio's Web Agent Referral Program ("WARP
Program"), and Verio wishes to engage Web Agent to promote and facilitate the
sales of certain Services, as more fully defined below;

NOW, THEREFORE, the parties agree as follows:

1. APPOINTMENT AS AUTHORIZED WEB AGENT.

Subject to the terms and conditions of this Agreement, Verio appoints Web Agent
as Verio's non-exclusive authorized sales representative in the United States
(the "Territory"). Such appointment is to solicit sales of Verio's Services, as
defined in Exhibit 1 hereto and as amended from time to time by Verio, to
customers in the Territory and for the benefit of Verio's account. Web Agent
agrees to accept such appointment and to perform its duties under this Agreement
in the foregoing capacity. Web Agent shall pay a non-refundable fee of $100.00
to become an Authorized Web Agent of Verio upon the execution of the Agreement.
The parties acknowledge that this is not an exclusive area or franchise
agreement.

2. DUTIES OF VERIO.

Verio agrees to comply with the following provisions throughout the term of this
Agreement:

(a) Provide the Services to customers originated by Web Agent in accordance with
this Agreement who continue to meet Verio's conditions for Services as outlined
in Verio's standard service agreement, including current payment on account and
use of computer hardware and software that Verio is reasonably able to support;

(b) Provide Web Agent with a confidential Verio Price List located at
http://www.verio.com/warp/, as amended from time to time by Verio;

(c) Provide to Web Agent Verio's Authorized Web Agent Referral Program
description ("WARP Program Guide") in electronic form located at
http://www.verio.com/warp/, which includes, among other things, Web Agent
guidelines, polices, procedures, sales and marketing materials, forms, and
relevant agreements; and

(d) Provide a Web hosting "store front" which will allow potential customers to
obtain the Services online ("web Agent's Store Front"), provided that Verio
shall have the right to approve and/or change the content of the Web Agent's
Store Front as it deems appropriate in Verio's sole discretion.

3. DUTIES OF WEB AGENT.

<PAGE>   2
Web Agent represents and warrants that it is familiar with the Internet and the
Services and that it is presently qualified to promote the sale and provide
sales support of such Services in the Territory. Web Agent represents that the
execution and implementation of this Agreement is not in breach nor in violation
of any terms or conditions of any other contract, agreement or arrangement,
including, but not limited, to exclusivity or non-competition. Web Agent further
represents that it has full legal capacity, power and authority to enter into
this Agreement and that if Web Agent is an individual, Web Agent is at least
eighteen (18) years old. In addition, Web Agent agrees to comply with the
following provisions throughout the term of this Agreement:

(a) Not to knowingly solicit customers who do not have the hardware or software
specified by Verio from time to time, unless such customer acquires hardware or
software that Web Agent or Verio is reasonably able to support;

(b) To follow customer order placement procedures for the signing up of new
customer accounts as attached hereto as Exhibit 2, as amended by Verio from time
to time, and as set out in the WARP Program Guide;

(c) To use reasonable sales and marketing efforts to promote the sales of Verio
Services (Verio reserves the right, at any time and in its sole discretion, to
implement a certification program to enhance or maintain the quality of the WARP
Program. In the event of any such implementation, Web Agent agrees to
participate in and complete the requirements of any such certification program
in order to remain a Verio authorized web agent);

(d) Where appropriate and mutually agreed upon, to provide post-sales support at
a level reasonably necessary to activate and operate the Services;

(e) Not to engage in any activity harmful to Verio's goodwill or reflecting
unfavorably on Verio's business, brand names or trade or service marks,
including unfair trade practices, publication of any false or misleading or
deceptive advertising or the commission of any fraud or misrepresentation;

(f) Comply, at all times, with all applicable federal, state and local laws,
rules, regulations and court orders; and

(g) Not to induce or actively attempt to influence any person to terminate,
delay, or reduce in size or scope any contractual or business relationship with
Verio.

4. GENERAL TERMS AND CONDITIONS OF SALES.

Web Agent agrees to sell Services using Verio's form documentation as provided
online at http://www.verio.com/warp/, from time to time, and on the terms or
conditions set forth in the Agreement, including any and all exhibits attached
hereto (including any amendments, modifications, and additions thereto) and
specified in Verio's procedures and WARP Program Guide. All Customer orders are
subject to acceptance by Verio, either in writing or by actual provision of the
Services. Verio retains the absolute right to reject any order that does not
comply with Verio's terms and conditions for Services, including Verio's
procedures, and to terminate any account that does not meet or continue to meet
Verio's reasonably determined conditions for Services. No such rejection or
termination will subject Verio to any claim for reimbursement, commission, fee
or other remuneration for the benefit of Web Agent or Customer.

5. MARKETING TO VERIO CUSTOMERS.

Web Agent shall not knowingly market the Services to a current customer of
Verio. In the event that Web Agent solicits a current customer of Verio to buy
Services, Verio shall have no obligation under this Agreement to pay a
commission to Web Agent for such customer.

6. INTELLECTUAL PROPERTY; SALES AND MARKETING MATERIALS.

(a) Web Agent acknowledges that Verio, and its subsidiaries and affiliates,
retain ownership rights in and to certain intellectual property, including
without limitation any Verio or Verio Inc. trademark, service

<PAGE>   3
mark, trade dress or other designation, advertising material and any associated
goodwill, whether presently existing or later developed by either Verio, or it
subsidiaries or affiliates, (collectively "Intellectual Property"). Unless
expressly stated otherwise in this Agreement, nothing contained herein shall
give Web Agent any rights to use any Intellectual Property in advertising,
publicity or marketing materials.

(b) If approved in advance and in writing by Verio, Web Agent may use
advertising or marketing materials prepared by Verio for purposes of Web Agent
carrying out its obligations under this Agreement. Web Agent may use such
advertising materials only upon the terms and conditions stated by Verio from
time to time. Web Agent may not modify or amend any advertising materials which
it is authorized to use without the prior written consent of Verio.

(c) Except as expressly authorized in this Agreement, Web Agent shall not have
any right to use any name, trademark or other designation of Verio in
advertising, publicity or marketing materials. In the event that Web Agent
desires to produce its own printed sales and marketing materials referring to
Verio's Services and rates, using Verio's trademark and/or tradename, and
suggesting any relationship, whatsoever, between Web Agent and Verio (except as
otherwise authorized in this Agreement) ("Web Agent Produced Materials"), Web
Agent shall submit the Web Agent Produced Materials to and obtain advance
written approval from an authorized representative of Verio prior to printing
and the dissemination of any such Web Agent Produced Materials to any third
party. Verio shall have sole discretion to approve or disapprove of all Web
Agent Produced Materials. Verio will require Web Agent to enter into a trademark
license as a condition of approving the Web Agent Produced Materials. Web Agent
must adhere to Verio's standards for the use of such trademarks or tradenames
and use such trademarks and tradenames solely for the purpose of advertising and
marketing Verio's Services. As soon as practicable, upon termination of this
Agreement, all Web Agent Produced Materials in Web Agent's possession shall be
delivered to Verio.

(d) Verio shall indemnify and hold Web Agent harmless from all actual damages,
liabilities, and reasonable costs suffered or incurred by Web Agent as a result
of any claim or lawsuit arising during the term of this Agreement or any
extension thereof, that Services as sold by Verio infringe any patent, trademark
or copyright; provided, however, that Verio, shall not be liable for and Web
Agent shall accept responsibility for and indemnify Verio from any such claims
or lawsuits that arise by reason of misuse of or modifications to any Services
made by Web Agent or any customers, and provided further that (1) upon learning
of any such claim or lawsuit, Web Agent shall promptly notify Verio thereof in
time to allow Verio to undertake the defense thereof; (2) Verio shall have
exclusive charge of the defense or settlement of any claim or lawsuit at its
sole cost and expense; and (3) Verio shall have the right, at Verio sole option,
to eliminate any alleged infringement by obtaining the right to deploy the
Services, or by modifying the Services so that they will not infringe, or
discontinue the Service or any infringing portion thereof.

(e) THIS SECTION 6 STATES THE ENTIRE LIABILITY OF VERIO WITH RESPECT TO
INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS BY THE SERVICES. VERIO SHALL
HAVE NO OTHER LIABILITY WITH RESPECT TO INFRINGEMENT OF INTELLECTUAL PROPERTY
RIGHTS OF ANY THIRD PARTY AS THE RESULT OF THE ACTIVITIES OF WEB AGENT OR VERIO
UNDER THIS AGREEMENT.

7. PRICING.

(a) Apart from rights expressly given under this Section 7, Web Agent shall not
have the right to quote or price Verio's goods or Services at its discretion.
Web Agent must utilize the standard approved price list, terms and conditions of
Verio in offering goods or Services of Verio.

(b) Verio reserves the right to amend its Service offerings and add, delete,
suspend or modify the terms and conditions of the Services, at any time and from
time to time, and to determine whether and when any such changes apply to both
existing or future customers.

8. ORDER PLACEMENT.

<PAGE>   4
(a) For each potential customer, Web Agent shall follow and direct potential
customers to follow the procedures outline in Exhibit 2. Web Agent is entitled
to receive commissions, as set forth in Section 9 herein, only with respect to
orders properly placed in accordance with this Agreement on Web Agent's Store
Front and that are accepted by Verio.

(b) Web Agent shall be responsible for any customer fraud losses incurred by
Verio in the event that Web Agent fails to adhere to Verio's policies and
procedures for order placement or any other breach of this Agreement.

9. COMMISSION.

(a) Verio agrees to pay to Web Agent an amount equal to the "Fixed Commission,"
as set out in the attached Exhibit 1, which may be modified from time to time by
Verio on thirty (30) days notice to Web Agent, on cash collected from customers
originated by Web Agent during the term of this Agreement. Commissions will be
paid for properly placed Service orders by customers on Web Agent's Store Front
and accepted by Verio during the term of this Agreement. Commissions will not be
paid to Web Agent for sales to customers not placed on Web Agent's Store Front.
Moreover, Verio will not be obligated to pay Commissions to Web Agent if Web
Agent fails to abide by the provisions of Sections 3(b), 4, 5, and 8 of this
Agreement. Commissions will be paid directly to Web Agent and not to any other
individual. Commissions shall be paid on the payment date for the applicable
commission period: Commission Periods Payment Date by Verio

-       1/1 through 2/28 4/30

-       3/1 through 4/30 6/30

-       5/1 through 6/30 8/31

-       7/1 through 8/31 10/31

-       9/1 through 10/31 12/31

-       11/1 through 12/31 2/28

(b) Verio shall pay commissions for initial, upgrade and renewal order(s) only
for Services listed on Exhibit 1 during the term of this Agreement. Verio does
not have an obligation to pay Web Agent for any orders placed by a customer for
Services not listed on Exhibit 1 during or after the term of this Agreement.

(c) Verio shall provide to Web Agent a commission statement containing a
mathematical representation of the calculation of the commission due to Web
Agent, including any appropriate deductions, discounts and adjustments, under
this Section 9 and in accordance with Exhibit 1.

(d) The remuneration structure in this Section 9 is agreed to be the sole
compensation and remuneration to Web Agent for the performance of its services
under this Agreement.

(e) If at any time during the term of this Agreement, customers originated by
Web Agent (as determined pursuant to Exhibit 1) are greater than or equal to
twenty-five (25) at the end of a calendar month, Web Agent will be designated a
"Medallion Web Agent." If at any time during the term of this Agreement,
customers originated by Web Agent are less than twenty-five (25), Web Agent
shall lose its designation as a "Medallion Web Agent" until such time that
customers originated by Web Agent are twenty-five (25) or more in a calendar
month. If upon the expiration or termination of this Agreement for any reason
Web Agent is a "Medallion Web Agent", Web Agent shall be eligible for the
"Residual Option." The "Residual Option" provides that Verio shall have the
right to elect, in its sole discretion, either to (1) continue paying the Fixed
Commission due and owing on an monthly basis for customers originated by Web
Agent during the term of the Agreement until the expiration of the service
agreements for such customers ("Option 1") or (2) pay Web Agent a onetime
payment ("Option 2"). Option 2 will be calculated by multiplying eighteen (18)
by the applicable monthly service charge for Services listed on Exhibit 1
generated by customers originated by Web Agent in the month prior to the
expiration or termination of

<PAGE>   5
the Agreement ("Residual Revenue") and multiplying the Residual Revenue by the
applicable commission percentage ("Residual Commission") as set forth on Exhibit
1. Verio reserves the right to apply either Option 1 or Option 2 above to any
combination of customers generated by Web Agent prior to the expiration or
termination of this Agreement. If at the end of the initial two-year term or any
Extension of this Agreement, customers originated by Web Agent are twenty-four
(24) or less, Verio shall not extend this Agreement. Verio reserves the right,
in its sole discretion, to discontinue the payment of commissions for any such
customers and Verio shall have no further obligations to Web Agent for any
commissions under this Agreement.

10. EXPENSES.

All expenses incurred by Web Agent in connection with its activities hereunder
shall be for Web Agent's account. Web Agent shall not be entitled to
reimbursement from Verio for any such expenses and shall hold Verio harmless
therefrom.

11. RELATIONSHIP BETWEEN THE PARTIES; SCOPE OF AUTHORITY; INDEMNIFICATION.

(a) Web Agent shall perform all services hereunder as an independent contractor,
and agrees not to hold itself out as an agent of Verio with authority apart from
authority expressly granted under the terms of this Agreement. Web Agent shall
have no expressed or implied authority to assume or create any obligation on
behalf of Verio. Web Agent may, however, hold itself out specifically as a
value-added "Authorized Web Agent" of Verio in the course of fulfilling its
obligations hereunder. Furthermore, it is agreed that neither party is a
fiduciary or quasi-fiduciary of the other. Accordingly, it is agreed that
nothing in this Agreement shall be (i) construed as constituting Web Agent as
other than a limited agent of Verio for any purpose whatsoever or (ii) deemed to
create an employer-employee, partnership, franchise or joint venture
relationship between Verio and Web Agent. Web Agent hereby waives the benefit of
any state or federal laws or regulations dealing with the establishment and
regulation of franchises.

(b) THROUGHOUT THE TERM OF THIS AGREEMENT AND AFTER this Agreement IS
TERMINATED, Verio shall retain full and exclusive ownership of all customers
originated by Web Agent RELATIVE TO VERIO's SERVICES PURSUANT TO THIS AGREEMENT
and all information relating to such customers, and all of Verio's other
property and assets in the Territory. Verio shall maintain its absolute and
unrestricted right to manage its business, to sign all documents on its behalf,
to decide on its behalf, and to carry on its business separately and solely
according to its full power and discretion. Web Agent shall have no powers to
enter into any agreements for or on behalf of Verio.

(c) Each party agrees to indemnify, defend, save and hold the other party
harmless from and against all liabilities, damages, judgments, claims, costs and
expenses, including, but not limited to, reasonable attorneys' fees incurred by
the other party, as a result of or arising out of any breach of obligation,
warranty or representation in this Agreement by the other party ("Claim"). Each
party shall have the right to defend itself against any such Claim.

12. NON-EXCLUSIVITY.

Verio reserves the right to market and sell Services through its own employees
or other representatives, and to appoint other authorized sales representatives,
both within and outside of the geographic areas in which Web Agent operates.

13. CONFIDENTIAL INFORMATION; NON SOLICITATION OF CUSTOMERS.

(a) All documents and other materials made available to Web Agent or its
employees by Verio in connection with this Agreement and the Services,
including, but not limited to, any and all lists of Verio's customers, and any
information relating to Verio's business, including, but not limited to, sales
and marketing materials, maintenance techniques, credit policies, advertising,
promotions, marketing techniques and prices, or to Verio's customers developed
by Web Agent during the course of this Agreement (collectively "Verio
Confidential Information"), shall be deemed to be confidential to Verio and
shall remain the exclusive property of Verio during and after the term of this
Agreement. Web Agent acknowledges and agrees that Verio Confidential Information
has been developed by Verio through substantial expenditures of time, money and
effort and constitutes unique and valuable

<PAGE>   6
property of Verio. Web Agent shall keep in strict secrecy and confidence all
Verio Confidential Information and shall not during the term of this Agreement
or thereafter use Verio Confidential Information for its own benefit or disclose
or permit any of its employees or agents to disclose, through any medium, Verio
Confidential Information to any other person.

(b) Upon termination or expiration of this Agreement or upon request, Web Agent
shall return all Verio Confidential Information to Verio and certify in writing
that it has returned all such information to Verio and has not kept copies
thereof in any medium.

(c) Web Agent agrees not to solicit any customers of Verio, whether or not
originated by Web Agent, for Web hosting, e-commerce and other Internet presence
services for a period of two (2) years after termination or expiration of this
Agreement

14. WARRANTIES; LIMITATION OF LIABILITY.

(a) Disclaimer of Warranties. Unless Verio notifies Web Agent otherwise, Verio
disclaims all warranties with regard to services rendered under this Agreement,
including all implied warranties of merchantability and fitness for a particular
purpose. Web Agent shall extend no warranties or guarantees without the
pre-approval OF Verio, orally or in writing, in the name of Verio or which would
bind Verio with respect to the performance, design, quality, merchantability, or
fitness for a particular purpose of the Service.

(b) Limitation of Liability. Neither Verio nor its BranchEs, subsidiaries,
suppliers OR parent corporations shall be liable to Web Agent or any third party
for special, consequential, incidental, indirect, tort or cover damages,
including, without limitation, damages resulting from the use or inability to
use the services, delay of delivery and implementation, or loss of profits,
data, business or goodwill, whether or not such party has been advised or is
aware of the possibility of such damages. Verio'S liability for all claims of
any kind arising out of or relating to this Agreement shall be limited solely to
money damages and shall not exceed the amount of commissions due Web Agent.

(c) No Liability for Expiration or Lawful Termination. Neither party shall have
the right to recover damages or to indemnification of any nature, whether by way
of lost profits, expenditures for promotion, payment for good will or otherwise
made in connection with the business contemplated by this Agreement, due to the
expiration or permitted or lawful termination of this Agreement. EACH PARTY
WAIVES AND RELEASES THE OTHER FROM ANY CLAIM TO COMPENSATION OR INDEMNITY FOR
TERMINATION OF THE BUSINESS RELATIONSHIP UNLESS TERMINATION IS IN MATERIAL
BREACH OF THIS AGREEMENT.

15. TERM; TERMINATION.

(a) This Agreement shall commence on the date stated above and shall remain in
effect for two (2) years unless terminated pursuant to the provisions specified
below. Web Agent may request up to three (3) one-year extensions of this
Agreement ("Extension"). Web Agent must make each such Extension request in
writing not more than one hundred eighty (180) days and not less than ninety
(90) days before the expiration of the then current term. No Extension shall be
effective unless such Extension is consented to by Verio in writing.

(b) Moreover, Verio may terminate this Agreement immediately without notice at
any time in the event of the occurrence of any of the following:

        (i) Breach of any covenant, term or condition of this Agreement by Web
        Agent which breach continues unremedied for a period of ten (10) days
        after notice to Web Agent of such breach;

        (ii) An assignment by Web Agent for the benefit of creditors or Web
        Agent becomes bankrupt or insolvent, or takes benefit of, or becomes
        subject to, any legislation in force relating to bankruptcy or
        insolvency, it being understood that the appointment of a receiver or
        trustee of the property and assets of the Web Agent is conclusive
        evidence of insolvency; or

        (iii) Verio is unable to provide the Service by reason of any law, rule,
        regulation, or order of any municipal, state or federal authority,
        including, but not limited to, any regulatory authority having
        jurisdiction.

<PAGE>   7
(c) The provisions of Sections 6, 9(e), 11, 13, 14, 15(c) and 16 of this
Agreement shall survive all terminations and/or Extension of this Agreement (or
any part thereof).

16. MISCELLANEOUS.

(a) Force Majeure. Verio shall not be liable for, and is excused from, any
failure to perform or for delay in the performance of its obligations under this
Agreement due to causes beyond its control, including without limitation,
interruptions of power or telecommunications services, failure of Verio's
suppliers or subcontractors, acts of nature, governmental actions, fire, flood,
natural disaster, or labor disputes.

(b) Waiver. No failure of Verio to pursue any remedy resulting from a breach of
this Agreement by the other party shall be construed as a waiver of that breach
by Verio, nor as a waiver of any subsequent or other breach unless such waiver
is in writing and signed by Verio.

(c) Severability. In the event any provision of this Agreement shall be invalid,
illegal or unenforceable in any respect, such a provision shall be considered
separate and severable from the remaining provisions of this Agreement, and the
validity, legality or enforceability of any of the remaining provisions of this
Agreement shall not be affected or impaired by such provision in any way.

(d) Non-Assignment. Web Agent may not assign this Agreement or any rights or
obligations of Web Agent under this Agreement, in whole or in part, without the
express written consent of Verio.

(e) Choice of Law. This Agreement shall be construed in accordance with the laws
of the state of Colorado regardless of its choice of laws provision.

(f) Notices. Notices required to be given by one party to another shall be
deemed properly given only when reduced to writing and sent to the addresses
stated above or provided by either party from time to time by certified mail,
return receipt requested, postage prepaid, by courier, by facsimile or email and
shall be effective upon delivery. Either party may change the addresses for
giving notice from time to time by written instructions to the other party of
such change of address.

(g) Entire Agreement. All exhibits to this Agreement shall be incorporated in
and constitute parts of this Agreement. This Agreement, the Exhibits hereto and
the Guide, each as amended from time to time, constitute the entire
understanding between the parties in relation to the subject matter hereof and
supersede all prior discussions, agreements and representations, whether oral or
written and whether or not executed by Verio or Web Agent. Unless otherwise
provided in this Agreement, no modification, amendment or other change may be
made to this Agreement or any part thereof unless reduced to writing and
executed by authorized representatives of both parties. Verio may change any
terms of the Verio Authorized Sales Representative Program without prior notice
to Web Agent; provided, however, that Web Agent shall be permitted to terminate
this agreement and its participation in the Verio Authorized Sales
Representative Program, at its sole discretion, upon implementation of any such
change by Verio.

IN WITNESS WHEREOF, the parties hereto have executed this Web Agent Agreement on
the date stated above.

VERIO INC.:

By:
    -----------------------------------
         (Authorized Signature)

Print:
       ---------------------------------
Title:
       ----------------------------------

<PAGE>   8

WEB AGENT:
         Investment Agents, Inc.
      ----------------------------
           (Company Name)
             88-0467944
      ----------------------------
        (Federal Tax ID Number)

By:    /s/ Ronald J. Stauber
      ----------------------------
         (Authorized Signature)

Print:   Ronald J. Stauber
         --------------------------
Title:   Attorney, Duly Authorized
         --------------------------

                                    EXHIBIT 1
                   FIXED AND RESIDUAL COMMISSIONS AND SERVICES

Fixed Commission

Fixed Commissions will be paid to Web Agent based on the number of active
customers for Services determined as of the final calendar day of each calendar
month during the term of this Agreement. Verio shall pay Web Agent on the
following Fixed Commission schedule:

-       0 to 50 customers = 20% of the cash collected on monthly service charge
        for each Service

-       51 to 200 customers = 25% of the cash collected on monthly service
        charge for each Service

-       201+ customers = 30% of the cash collected on monthly service charge for
        each Service

Verio reserves the right to run promotions and discounts to end users as Verio
deems necessary which may affect total cash collected. For example, if a
promotion provides that new end users of Plan 1 who sign up for 5 months will
receive the 6th month free, Commissions will be paid on "cash collected" from
the end user or $124.75 (5 x $24.95 not 6 x $24.95).

Residual Option

-       Subject to Section 9(e), Verio shall pay Web Agent on the following
        Residual Commission schedule:

-       Under 50 customers = 30% of Residual Revenue

-       51 to 200 customers = 37.5% of Residual Revenue

-       201+ = 45% of Residual Revenue

Services

Verio will pay the applicable commission percentage related to the following
Services:

HOSTING:

-       Bronze Plan $24.95 per month

-       Silver Plan $49.95 per month

-       Gold Plan $99.95 per month

-       Platinum Plan $249.95 per month

-       Plan NT1 $49.95 per month

-       Plan NT2 $99.95 per month

<PAGE>   9
-       ExpresStart $24.95 per month

-       Domain Pointer $10.00 per month

-       Domain Parking $49

E-COMMERCE:

-       VerioStore300 $199.95 per month

-       VerioStore300 Bolt-on $199.95 per month

-       VerioStore2000 $299.95 per month

-       VerioStore2000 Bolt-on $299.95 per month

-       VerioStore5000 $399.95 per month

-       VerioStore5000 Bolt-on $399.95 per month

-       Cyberstand Commerce Plan $34.95 per month

-       Evendor Commerce Plan $74.95 per month

-       MarketPlace Commerce Plan $124.95 per month

ADDITIONAL A LA CARTE ITEMS:

-       Data Transfer $0.10 per mb of additional data transfer per month

-       Disk Space $1.00 per mb of additional disk space per month

-       POP Accounts $2.00 each additional per month

-       E-mail Forwarding $1.00 each additional per month

-       Autoresponders $1.00 each additional per month

Verio reserves the right to amend its Service offerings and add, delete, suspend
or modify the terms and conditions of the Services, at any time and from time to
time, and to determine whether and when any such changes apply to both existing
or future customers.

                                    EXHIBIT 2
                           ORDER PLACEMENT PROCEDURES

Customers shall place orders directly with Verio for the Services through Web
Agent's Store Front. Web Agent shall be responsible for:

1. Informing customer that customer's web browser must accept cookies to place
orders for Services online; and

2. Processing orders via the Web Agent's Store Front from inception to
submission of the order to Verio, including directing customers to remain linked
to the Web Agent's Store Front while submitting orders and the completion of all
required fields in the electronic Service Order form located on Verio's web
site.

Web Agent may not at any time provide any billing arrangement or payment on
behalf of a customer. Verio shall not pay a commission to Web Agent in the event
that a customer orders Services directly from Verio's web site without first
linking from the Web Agent's Store Front.

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