Document:

EXHIBIT 10.72

                            STOCK PURCHASE AGREEMENT

        This Stock Purchase Agreement ("Agreement") is entered into as of the
5TH day of April, 2004, by and between National Education Loan Network, Inc.,
a Nevada corporation (the "Buyer") and INFINET Integrated Solutions, Inc., an
Illinois corporation (the "Company").

                                    RECITALS

        The parties desire that Company issues and sells to Buyer and Buyer
purchases from Company upon the terms and conditions hereinafter set forth all
of the capital stock representing a 50.0% equity interest in Company immediately
after all transactions contemplated or referenced in this Agreement.

        NOW, THEREFORE, in consideration of the foregoing premises and in
consideration of and in reliance upon the representations, warranties and
obligations in this Agreement, the parties agree as follows:

                                    ARTICLE I
                                PURCHASE OF STOCK

        1.1    DEFINITION REFERENCE. Certain capitalized terms are defined in
Section 8.1.

        1.2 PURCHASE OF STOCK. Subject to the terms of this Agreement, Company
agrees to issue, sell, transfer and assign (or cause to be sold, transferred and
assigned) to Buyer free of all Liens, and Buyer agrees to purchase, such number
of shares of the Company's issued and outstanding capital stock ("Stock") so as
to cause Buyer, immediately following such issuance and the transactions
specified in Section 2.1.1, to own 50% of the Stock (with such number of shares
currently estimated to be 8,454,884 shares of Class A common stock and 6,771
shares of Class B common stock) (the "Purchased Stock"). The precise number of
shares of Purchased Stock shall be determined following the redemptions of Stock
as provided in Section 2.1.1, provided, however, that the number of shares
acquired by Buyer shall, in any event, result in the Buyer owning 50% of the
Stock following the Closing.

                                   ARTICLE II
                                  CONSIDERATION

        2.1  PURCHASE PRICE. In consideration of the Purchased Stock, Buyer will
pay Company the aggregate purchase price of $4,860,000.00 (the "Purchase
Price"), payable as set forth below.

               2.1.1 CLOSING PAYMENT. At Closing, Buyer will simultaneously pay
all parties by wire transfer in immediately available funds the amount of the
Purchase Price, in the following manner: (i) that portion ($2,280,739.89) of the
Purchase Price necessary to redeem all shares of Stock held by UICI (the "UICI
Stock") and satisfy in full the balance of principal and accrued interest
through March 31, 2004 under that certain Senior Subordinated Convertible Note
dated as of January 21, 2003, executed and delivered by the Company to UICI (the
"UICI Note"), shall be paid on behalf of the Company to UICI in return for a

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release of rights executed by UICI in form and substance satisfactory to Buyer
(the "UICI Payment"); it being understood that $2,250,822.08 of the UICI Payment
relates to the repurchase of the UICI Stock and the UICI Note and $29,917.81 of
the UICI Payment relates to accrued interest under the UICI Note through March
31, 2004, with accrued interest from April 1, 2004 through Closing to be paid
directly by the Company to UICI at Closing; (ii) that portion ($320,743.16) of
the Purchase Price necessary to redeem Stock from shareholders of the Company
wishing to end their ownership in the Company, as set forth in Schedule 2.1.1(a)
attached hereto ("Selling Shareholders") shall be paid to such Selling
Shareholders on behalf of the Company in return for a release of rights executed
by the Selling Shareholders, as well as documentation evidencing such
redemptions in form and substance satisfactory to Buyer; and (iii) the balance
($2,258,516.95) of the Purchase Price shall be paid to the Company. Such balance
of the Purchase Price shall be retained within the Company to be utilized as
operating capital in the ordinary course of business. Such payments shall be
made in immediately available funds via wire transfer of the amounts and to the
accounts specified in Schedule 2.1.1(b) attached hereto.

                                   ARTICLE III
                    REPRESENTATIONS AND WARRANTIES OF COMPANY

        The Company represents and warrants to Buyer, with respect to the
Company and each of the Subsidiaries (which subsidiaries, for the purpose of
this Article III shall be included in the term "Company" except where otherwise
noted), as of the date of this Agreement and as of Closing, as follows:

        3.1 OWNERSHIP OF STOCK. Upon the delivery to the Buyer of the endorsed
stock certificates the Buyer will be the title and beneficial owner of the
Purchased Stock, which shall constitute 50.0% of the Stock (voting and
nonvoting) of the Company, and which shall be free and clear from all Liens of
any nature.

        3.2 AUTHORIZATION; ORGANIZATION AND STANDING; NON-CONTRAVENTION. The
Company has the necessary power and authority to execute and deliver this
Agreement and to perform the obligations to be performed by the Company
hereunder, and this Agreement is valid and binding upon the Company and
enforceable in accordance with its terms. The execution and delivery of this
Agreement by the Company do not, and the consummation of the transactions
contemplated hereby and the performance by the Company of the terms of this
Agreement will not (a) violate any Law, (b) conflict with, result in a breach
of, constitute a default under, result in the acceleration of, create in any
Person the right to accelerate, modify or cancel, or require any notice under
any contract to which the Company is a party or by which the Company is bound or
which any of its assets are subject, (c) violate provisions of the Company's
articles of incorporation or bylaws, or (d) result in acceleration of any
obligation under, or constitute an event of default under any order, judgment or
decree to which the Company is bound. No approval, authorization, license,
permit or other action by, or filing with, any Governmental Authority or
non-governmental third party, or of the directors of the Company is required
that has not been obtained in connection with the execution and delivery of this
Agreement by the Company or the consummation by the Company of the transactions
contemplated hereby.

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        3.3 INTELLECTUAL PROPERTY. Schedule 3.3(a) attached hereto sets forth a
complete list of all patents, pending patent applications and registration
certificates (including a brief description of the subject matter thereof, the
jurisdiction, the date of issue or filing and the patent or application number),
all trade names, trade marks and service marks and applications therefor, all
copyright registrations, all copyrights not registered, all internet domain name
registrations of the Company, and all source codes used in the business and
operations of the Company and the Subsidiaries as presently conducted
(collectively, the "Intellectual Property"). Except as set forth on Schedule
3.3(b), the Company is the sole and exclusive owner of the entire right, title
and interest in and to the Intellectual Property, free of any and all Liens, and
there are no pending, or to the Company's knowledge, threatened proceedings or
litigation or other adverse claims affecting or with respect to the Intellectual
Property. No Person is infringing the Intellectual Property, and none of the
Intellectual Property is infringing upon the intellectual property rights of any
other Persons.

        3.4    ORGANIZATION AND STANDING OF COMPANY.

               (a) The Company is a corporation duly organized, validly existing
        and in good standing under the laws of the State of Illinois, its state
        of incorporation, and is legally qualified to transact business and is
        in good standing in every jurisdiction in which the nature of the
        business conducted by it or the character or location of properties
        owned or leased by it makes such qualification necessary, except in such
        jurisdiction where failure to be so duly qualified would not have a
        material adverse effect upon the Company. A list of the jurisdictions in
        which the Company is qualified to transact business is set forth in
        Schedule 3.4(a) attached hereto.

               (b) The Company has delivered to Buyer a true and complete copy
        of Company's articles of incorporation and bylaws, and any amendments
        thereto, presently in effect. The minute books of the Company are in
        good order, true, complete, correct and up-to-date, and with all
        necessary signatures, setting forth all meetings and actions taken by
        the shareholders and directors of the Company. The stock transfer books
        and stock ledgers of the Company are in good order, true, complete,
        correct and up-to-date, with all necessary signatures, and set forth all
        stock certificates issued, transferred and surrendered. The Company is
        not in default under or in violation of any provision of its articles of
        incorporation or bylaws.

               (c) The Company's authorized capital stock consists of 100
        million shares of Class A common stock, no par value, and 1 million
        shares of Class B non-voting common stock, no par value per share.
        Schedule 3.4(c) attached hereto sets forth the number of shares of Stock
        that are issued and outstanding and owned by the persons set forth in
        Schedule 3.4(c) attached hereto as of the date of this Agreement. The
        Purchased Stock will be duly authorized, issued and transferable to
        Buyer as of the Closing Date. The Purchased Stock is duly authorized,
        validly issued, fully paid, non-assessable and free of and not subject
        to any shareholder's preemptive rights that have not been waived, and is
        subject to no restrictions with respect to transferability other than as
        specified in the Stockholder's Agreement. Except as set forth in
        Schedule 3.4(c) hereto, there are no outstanding or authorized stock

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        appreciation, phantom stock, profit participation or similar rights with
        respect to Company. Except as set forth in Schedule 3.4(c) hereto, there
        are no voting trusts, proxies or other agreements or understandings with
        respect to the voting of the Purchased Stock. Except as set forth in
        Schedule 3.4(c) hereto, there are no outstanding subscriptions, options,
        warrants, calls, contracts, demands, commitments, convertible
        securities, rights of first refusal or other agreements or arrangements
        of any nature whatsoever under which the Company or any shareholder
        thereof are or may become obligated to issue, assign or transfer any
        shares of the capital stock of Company.

               (d) The Company has all licenses, permits and authorizations
        necessary to carry on the businesses in which it is engaged and to own
        and use the properties owned and used by it. None of the licenses,
        permits and authorizations of Company will be terminated or are
        terminable due to consummation of the transaction provided for herein.

        3.5 GOOD TITLE TO ASSETS. The Company is the sole and unconditional
owner of, and has good and marketable title, free and clear of any Liens, to the
properties and assets used by it, located on its premises, or shown in the most
recent financial statements. The properties and assets owned by the Company as
of the Closing Date shall permit Company to continue and carry on business and
operations in the ordinary course of business.

        3.6 MATERIAL CONTRACTS. Schedule 3.6 attached hereto is a true and
complete schedule of all of the agreements which are binding upon the Company,
and which individually involve purchases, sales, transfers or services
aggregating in excess of $25,000, with respect to any benefit plans, for the
purchase of materials, supplies, services or equipment, for the borrowing of
money, for the acquisition of a business or asset, with respect to transfers of
licenses of software, or other existing agreements pertaining to or affecting
the Company. True, correct and complete copies of all documents referred to in
Schedule 3.6 have been delivered to Buyer. No Person has claimed that any of
such agreements listed in Schedule 3.6 are invalid or unenforceable or in
default. None of such agreements contain any provision which will or could
result in termination or modification of any term upon change in control of the
Company. With respect to each of the agreements listed in Schedule 3.6, such
agreement is legal, valid, binding, enforceable and in full force and effect
and/or continue to be so following consummation of the transaction contemplated
hereby, and no party is in breach or default and no event has occurred which
with notice or lapse of time, would constitute a breach or default, or permit
termination, modification or acceleration under such agreement.

        3.7 SUBSIDIARIES. The Company has no Subsidiary with the exception of
those set forth in Schedule 3.7 attached hereto, and each of the representations
and warranties made with respect to the Company shall be fully applicable to
each of the Subsidiaries.

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        3.8 LITIGATION. There are no actions, claims, proceedings, litigation,
state or federal equal employment opportunity commission proceedings or, to the
Company's knowledge, investigations pending or threatened against the Company
with respect to its business, that could reasonably be expected to have,
directly or indirectly, individually or in aggregate, a material adverse effect
upon the Company. All pending litigation is identified in Schedule 3.8 attached
hereto.

        3.9 COMPLIANCE WITH LAWS. The Company has complied in all material
respects and is complying in all material respects with all Laws, and the
Company has not received notice of violation of any applicable Law.

        3.10 COMPENSATION OF EMPLOYEES. The Company has furnished to Buyer a
true, correct and complete list of the names and job titles of all persons who
are employees of the Company, together with annual base salaries, bonuses and
commissions of such employees, attached hereto as Schedule 3.10(a). There are no
arrearages in the payment of wages or salaries to such employees. Other than the
employment agreements listed in Schedule 3.10(b) attached hereto, the Company
has no employment agreements, compensation or deferred compensation arrangements
or consulting agreements with any employee or other person or entity which is in
writing or which is not terminable at will. The information contained in
Schedule 3.10 will be accurate and shall not have been modified as of the
Closing Date.

        3.11 TAXES. All material tax returns required to be filed prior to the
Closing Date have been filed in a timely manner and are true, complete and
correct in all material respects. All material taxes relating to the Company due
on or before the Closing Date have been timely and fully paid. The charges,
accruals and reserves for taxes due, or accrued but not yet due, relating to the
Company for any tax period prior to the Closing Date as reflected on the books
of the Company are adequate to cover such taxes. No penalties or other charges
of any nature are or will become due with respect to the late filing of any tax
returns required to be filed on or before the Closing Date. All material taxes
that the Company is required by Law to withhold or collect have, in all
respects, been duly withheld or collected and have been timely paid over to the
extent due and payable. There are no tax sharing agreements to which the Company
is now or ever has been a party. The Company is not a party to any agreement
that would result, separately or in the aggregate, in the payment of any "excess
parachute payments" within the meaning of ss. 280G of the Internal Revenue Code
of 1986, as amended (the "Code"). The Company is not a party to any joint
venture, partnership or other arrangement or contract that could be treated as a
partnership for federal income tax purposes.

        3.12 EMPLOYEE BENEFIT PLANS. Except as identified and described in
Schedule 3.12 attached hereto, the Company does not have "employee benefit
plans" as that term is defined in the Employee Retirement Income Security Act of
1974, as amended, that currently are maintained by, sponsored in whole or in
part by or contributed to, by or on behalf of the Company as applicable, for the
benefit of the respective employees, retirees, dependents, spouses, directors,
independent contractors or other beneficiaries. Schedule 3.12 consists of a
true, correct and complete copy of the employee handbook in effect with respect
to the Company's employees as of the date hereof, which handbook contains true
and complete copies or summaries of all material pension, retirement,
profit-sharing, deferred compensation, stock option, employee stock ownership,
severance pay, vacation, bonus or other material incentive plans, all other
material written employee programs, arrangements or agreements, whether arrived
at through collective bargaining or otherwise, all material medical, vision,

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dental or other health plans, all life insurance plans and all other material
employee benefit plans or fringe benefit plans, including, without limitation,
all "employee benefit plans" as that term is defined in Section 3(3) of the
Employee Retirement Income Security act of 1974, as amended ("ERISA"), currently
adopted, maintained by, sponsored in whole or in part by, or contributed to by,
or on behalf of, the Company for the benefit of its employees, retirees,
dependents, spouses, directors, independent contractors or other beneficiaries
who are eligible to participate therein (the "Benefit Plans"). Neither the
Company nor any ERISA affiliate of the Company (which for purposes of this
Agreement shall mean any entity required to be aggregated with the Company under
Code Sections 414(b), (c), (m) or (o) which maintains or has maintained any
multi-employer plan within the meaning of Section 3(37) of ERISA. All Benefit
Plans are in compliance in all material respects with the applicable terms of
ERISA, the Code and any other applicable laws, rules and regulations. No Benefit
Plan which is a Defined Benefit Pension Plan (within the meaning of ERISA) has
any "unfunded current liability," as that term is defined in Section
302(d)(8)(A) of ERISA, and the present fair market value of the assets of any
such plan exceeds the plan's "benefit liabilities," as that term is defined in
Section 4001(a)(16) of ERISA, when determined under actuarial factors that would
apply if the plan terminated in accordance with all applicable legal
requirements. No Benefit Plan has an "accumulated funding deficiency" as defined
in Code Section 412. No event has occurred with respect to a Benefit Plan that
could subject the Company to liability under Title IV of ERISA. No Benefit Plan
has been funded or administered in a manner that would result in Liability for
any Tax or penalty for overfunding or prohibited transactions under applicable
law.

        3.13 ABSENCE OF CERTAIN EVENTS. Except as otherwise disclosed in
Schedule 3.13, since December 31, 2003, there has not been:

               (a) an amendment to the Company's articles of incorporation or
        bylaws, or merger with or into or consolidation with any Person, change
        or agreement to change any agreements to which the Company is a party or
        the character or the business of the Company;

               (b) any dividends declared or paid or other distributions of any
        kind to the Company's shareholders declared or made, or any direct or
        indirect redemption, purchase, retirement or other acquisition of any of
        the Stock, without the prior written consent of Buyer in its discretion;

               (c) any loan or advance made to any of the Company's officers,
        directors, employees, consultants, agents, shareholders or any other
        loan or advance made otherwise than in the ordinary course of business;

               (d) any change in the financial condition, properties, business
        or operations of the Company or any event or circumstance which is, or
        may result in, singly or in the aggregate, a material adverse effect on
        the Company;

               (e) any loss affecting any asset of the Company, unless such loss
        could not reasonably be expected to result in a material adverse effect
        upon the Company;

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               (f) any strike or other labor trouble or dispute has resulted in
        or may result in a material adverse effect upon the Company;

               (g) any loss of any permit, license, qualification or certificate
        of authority held by the Company;

               (h) any indebtedness, Liability or obligation incurred by Company
        or any transaction entered into by the Company, other than in the
        ordinary course of business, or any guarantee by the Company of any
        indebtedness, Liability or obligation of any other Person;

               (i) any obligation, Liability or Lien, paid, discharged or
        satisfied by or on behalf of the Company other than the current
        Liabilities reflected in the most recent financial statement;

               (j) any sale, transfer or other disposition of any asset of the
        Company having a book value in excess of $10,000 in a single instance
        and $25,000 in the aggregate, or any cancellation of any debt or claim
        of the Company having a book value in excess of $10,000 in a single
        instance and $25,000 in the aggregate, except in the ordinary course of
        business;

               (k) any material change in, or any contract to materially change,
        the compensation or other direct or indirect remuneration payable to any
        officer, employee or agent of the Company or any bonus, incentive or
        deferred compensation, profit sharing, retirement, pension, group
        insurance, death benefit or other fringe benefit plan, or any employment
        or consulting agreement, granted, entered into or materially amended or
        altered, other than in the ordinary course of business or as required
        pursuant to an existing employment agreement;

               (l) any capital expenditure, addition or improvement made or
        committed to be made by or on behalf of the Company in excess of $25,000
        with respect to any single expenditure, addition or improvement of
        Company;

               (m) any termination or failure to renew, or receipt of a threat
        (that was not subsequently withdrawn) by a third party to terminate or
        fail to renew any material agreement to which the Company is a party;

               (n) any material failure to maintain the books and records of the
        Company in the usual, regular and ordinary manner, consistent with past
        practice, or any material change in the accounting principle or practice
        of the Company; or

               (o) any write-off as uncollectible of any receivables, or any
        portion thereof; or

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               (p) any adverse change in the business, financial condition,
        operations, results of operations or future prospects of the Company.

        3.14 FINANCIAL STATEMENTS. Schedule 3.14 attached hereto contains an
unaudited balance sheet of Company as of December 31, 2000 and December 31,
2001, an audited financial statement as of, and for the period ending on,
December 31, 2002, an unaudited financial statement as of, and for the period
ending on, December 31, 2003, and unaudited interim financial statements as of,
and for the one month periods ended, January 31, 2004 and February 28, 2004,
relating to the Company (collectively, the "Financial Statements"). Such
information fairly presents the financial condition and results of operation of
the Company as of and for such periods, has been prepared on a consistent basis
throughout the periods covered thereby, and is consistent with the books and
records of the Company. All of the Financial Statements have been prepared in
accordance with GAAP on a consistent basis throughout the periods covered
thereby, with the exception, in some cases, of the absence of footnote
disclosure and year-end adjustments.

        3.15 ABSENCE OF UNDISCLOSED LIABILITIES. The Company does not have any
direct or indirect, primary or secondary, Liability of any type, whether
accrued, absolute or contingent, liquidated or unliquidated, matured or
unmatured, or otherwise that will have, or is reasonably likely to have,
individually or in the aggregate, a material adverse effect upon the Company,
except for the Liabilities which are accrued or reserved against and reflected
upon the Financial Statements of the Company or that have been incurred since
December 31, 2003 in the ordinary course of business aggregating up to a maximum
of approximately $125,000 (excluding legal and accounting fees related to this
transaction, annual insurance payments and accrued interest owing to UICI).
There are, following payment to UICI pursuant to Section 2.1.1(i) hereof,
currently no outstanding Liabilities of the Company other than to Harris Bank
and trade payables in the ordinary course of business. The current balance of
indebtedness owed to Harris Bank by the Company is approximately $600,000. The
aggregate of all Liabilities pursuant to accounts payable or other indebtedness
incurred by the Company in the ordinary course of business is less than $125,000
(excluding legal and accounting fees related to this transaction, annual
insurance payments and accrued interest owing to UICI).

        3.16 BROKERS AND FINDERS. The Company has not employed any broker or
finder or incurred any Liability for any financial advisory fees, or brokerage
fees, commissions or finder's fees in connection with this Agreement.

        3.17 CONFLICTS OF INTEREST. No officer or director of the Company (or
any member of any family of such officer or director) has any direct or indirect
interest in any creditor, competitor, supplier, customer or agent of the
Company.

        3.18 CUSTOMERS. No licensee which engages the services of or acquires
Intellectual Property from Company has terminated or, to the knowledge of the
Company, threatened to terminate or decrease its relationship with the Company.
As of the Closing Date, the Company is not required to provide any bonding or
other financial security arrangements in connection with any transactions with
any customers or suppliers.

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        3.19 REAL ESTATE. Schedule 3.19 attached hereto is a true and complete
schedule of all leases of real estate to which the Company is a party and all
parcels of real estate in which the Company holds a title or leasehold interest.
All such leases are in full force and effect, the Company shall have the quiet
and peaceful possession of the properties covered thereby, and none of the
lessors thereunder are in material default under any of the terms thereof.

                                   ARTICLE IV
                     REPRESENTATIONS AND WARRANTIES OF BUYER

        Buyer represents and warrants to the Company as follows:

        4.1 ORGANIZATION AND POWER. Buyer is a corporation duly organized,
validly existing and in good standing under the laws of the State of Nevada.
Buyer has full corporate power to execute, deliver and perform this Agreement
and all other agreements and documents to be executed and delivered by it in
connection herewith.

        4.2 AUTHORITY; NONCONTRAVENTION. Buyer has the necessary corporate
powers and authority to execute and deliver this Agreement and to perform the
obligations to be performed by Buyer hereunder, and this Agreement is valid and
binding upon Buyer and enforceable in accordance with its terms. The execution
and delivery of this Agreement will not (a) violate any Law, (b) conflict with,
result in a breach of, constitute a default under, result in acceleration of,
create in any Person the right to accelerate, modify or cancel, or require any
notice under any contract to which Buyer is a party or by which Buyer is bound
or which any of its assets are subject, (c) violate the articles of
incorporation or bylaws of Buyer, or (d) result in acceleration of any
obligation under, or constitute an event of default under, any order, judgment
or decree to which Buyer is bound. Except as specifically set forth in this
Agreement, no approval, authorization, license, permit or other action by, or
filing with, any Governmental Authority or non-governmental third party, or of
the shareholders or directors of Buyer is required that has not been obtained in
connection with the execution and delivery of this Agreement by Buyer or the
consummation by Buyer of the transactions contemplated hereby.

        4.3 NO PUBLIC SALE OR DISTRIBUTION. Buyer is acquiring the Purchased
Stock for its own account and not with a view towards, or for resale in
connection with, the public sale or distribution thereof, except pursuant to
sales registered or exempted under the Securities Act; provided, however, that
by making the representations herein, Buyer does not agree to hold any of the
Purchased Stock for any minimum or other specific term and reserves the right to
dispose of the Purchased Stock at any time in accordance with or pursuant to a
registration statement or an exemption under the Securities Act.

        4.4 ACCREDITED INVESTOR STATUS. Buyer is an "accredited investor" as
that term is defined in Rule 501(a) of Regulation D.

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        4.5 RELIANCE ON EXEMPTIONS. Buyer understands that the Purchased Stock
are being offered and sold to it in reliance on specific exemptions from the
registration requirements of United States federal and state securities laws and
that the Company is relying in part upon the truth and accuracy of, and Buyer's
compliance with, the representations, warranties, agreements, acknowledgments
and understandings of Buyer set forth herein in order to determine the
availability of such exemptions and the eligibility of Buyer to acquire the
Purchased Stock.

        4.6 INFORMATION. Buyer and its advisors, if any, have been furnished
with all materials relating to the business, finances and operations of the
Company and materials relating to the offer and sale of the Purchased Stock
which have been requested by Buyer. Buyer and its advisors, if any, have been
afforded the opportunity to ask questions of the Company. Neither such inquiries
nor any other due diligence investigations conducted by Buyer or its advisors,
if any, or its representatives shall modify, amend or affect Buyer's right to
rely on the Company's representations and warranties contained herein. Buyer
understands that its investment in the Purchased Stock involves a high degree of
risk. Buyer has sought such accounting, legal and tax advice as it has
considered necessary to make an informed investment decision with respect to its
acquisition of the Purchased Stock.

        4.7 NO GOVERNMENTAL REVIEW. Buyer understands that no United States
federal or state agency or any other government or governmental agency has
passed on or made any recommendation or endorsement of the Purchased Stock or
the fairness or suitability of the investment in the Purchased Stock nor have
such authorities passed upon or endorsed the merits of the offering of the
Purchased Stock.

        4.8 TRANSFER OR RESALE. Buyer understands that: (i) the Purchased Stock
have not been and are not being registered under the Securities Act or any state
securities laws, and may not be offered for sale, sold, assigned or transferred
unless (A) subsequently registered thereunder, or (B) sold, assigned or
transferred pursuant to an exemption from such registration, and (ii) neither
the Company nor any other Person is under any obligation to register the
Purchased Stock under the Securities Act or any state securities laws or to
comply with the terms and conditions of any exemption thereunder. The Purchased
Stock may be pledged in connection with a bona fide margin account or other loan
secured by the Purchased Stock and such pledge of Purchased Stock shall not be
deemed to be a transfer, sale or assignment of the Purchased Stock hereunder,
and Buyer may effect a pledge of Purchased Stock without providing the Company
with any notice thereof or otherwise making any delivery to the Company pursuant
to this Agreement or any other agreement executed in connection herewith;
provided, that in order to make any sale, transfer or assignment of Purchased
Stock, Buyer and its pledgee makes such disposition in accordance with or
pursuant to a registration statement or an exemption under the Securities Act.

        4.9 LEGENDS. Buyer understands that the certificates or other
instruments representing the Purchased Stock, except as set forth below, shall
bear a restrictive legend in substantially the following form (and a
stop-transfer order may be placed against transfer of such stock certificates):

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               THE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN
               REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR
               APPLICABLE STATE SECURITIES LAWS. THE SECURITIES MAY NOT BE
               OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE
               ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE
               SECURITIES UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR
               APPLICABLE STATE SECURITIES LAWS, OR (B) AN EXEMPTION FROM
               REGISTRATION THEREUNDER. NOTWITHSTANDING THE FOREGOING, THE
               SECURITIES MAY BE PLEDGED IN CONNECTION WITH A BONA FIDE MARGIN
               ACCOUNT OR OTHER LOAN OR FINANCING ARRANGEMENT SECURED BY THE
               SECURITIES.

        The legend set forth above shall be removed and the Company shall issue
a certificate without such legend to the holder of the Purchased Stock upon
which it is stamped, if, unless otherwise required by state securities laws, (i)
such Purchased Stock are registered for sale under the Securities Act, or (ii)
such holder provides the Company with reasonable assurance that the Purchased
Stock can be sold, assigned or transferred without registration under the
Securities Act.
        4.10 BROKERS AND FINDERS. Buyer has not employed any broker or finder or
incurred any Liability for any brokerage fees, commissions or finder's fees in
connection with this Agreement.

                                    ARTICLE V
                                     CLOSING

        5.1 CLOSING. If the conditions to the parties' obligations enumerated
below in Sections 5.2 and 5.3 are satisfied, consummation of the transactions
contemplated hereby (the "Closing") shall take place on April 15, 2004 (the
"Closing Date") at the offices of Gardner Carton & Douglas LLP, or on such other
date, including such earlier date, or at such other location as the parties may
agree. The transfers and deliveries herein contemplated will be mutually
interdependent and regarded as occurring simultaneously; and no such transfer or
delivery will become effective until all of the transfers and deliveries
provided for in Sections 5.2 and 5.3 have been consummated.

        5.2 CONDITIONS TO BUYER'S OBLIGATIONS. The obligation of Buyer to
perform this Agreement is subject to satisfaction (or written waiver by Buyer in
Buyer's sole discretion) of the following conditions at or before the Closing,
it being an explicit condition that all agreements and documents to be delivered
to Buyer which are not attached as Schedules (and therefore deemed satisfactory
to Buyer) must be in form and substance reasonably satisfactory to Buyer:

               5.2.1 AGREEMENTS PERFORMED. The Company shall have performed all
of the obligations under this Agreement to be performed by it at or before the
Closing, and Buyer shall have received a certificate to such effect, executed by
the Company and dated as of the Closing Date;

                                       11
<PAGE>

               5.2.2 REPRESENTATIONS ACCURATE. The representations and
warranties of the Company contained herein will continue to be accurate in all
material respects just as if made as of the Closing, without giving effect to
any supplemental disclosure, update or modification of any Schedule hereto, and
Buyer shall have received a certificate to such effect, executed by the Company
and dated as of the Closing Date;

               5.2.3 NO CHANGE. There will have been no material adverse
changes in the financial condition, results of operations, assets, business or
prospects of the Company;

               5.2.4 LEGAL ACTION. There will be no pending or threatened legal
action or inquiry which challenges the validity or legality of or seeks or could
reasonably be expected to prevent, delay or impose conditions on the
consummation of the transactions contemplated by this Agreement;

               5.2.5 STOCK CERTIFICATES. Buyer will have received stock
certificates duly endorsed by authorized officers of the Company in Buyer's
name, representing the issuance and transfer of the Purchased Stock to Buyer,
free of all Liens, as well as all other documents to be delivered pursuant to
Section 5.5.1 hereof;

               5.2.6 SHAREHOLDERS' AGREEMENT. Buyer will have entered into a
Stockholders' Agreement with the Company and all other shareholders of the
Company under terms satisfactory to Buyer;

               5.2.7 DEALINGS WITH UICI. The Company will have paid and
satisfied all obligations to UICI in full and presented documentary evidence of
such payment to Buyer's satisfaction. The Company will also have redeemed any
stock in the Company owned by UICI under terms satisfactory to Buyer. The
Company will also have terminated all other agreements with UICI including
without limitation the Marketing Agreement, the Note Purchase Agreement, the
Registration Rights Agreement and the Co-Sale Agreement, each between the
Company and UICI, under terms satisfactory to all parties, including Buyer; and

               5.2.8 NO EXERCISE OF PREEMPTIVE RIGHTS. The Company shall have
furnished to Buyer waivers or agreements not to exercise any existing preemptive
rights in connection with the Purchased Stock, executed by any person or entity
holding any such preemptive right.

               5.2.9 OTHERS. Buyer will have received each other document
required to be delivered to Buyer hereunder.

        5.3 CONDITIONS TO THE COMPANY'S OBLIGATIONS. The obligation of the
Company to perform this Agreement is subject to satisfaction (or written waiver
of the Company in the Company's sole discretion) of the following conditions at
or before the Closing, it being an explicit condition that all agreements and
documents to be delivered to the Company which are not attached as Schedules
(and therefore deemed satisfactory to the Company) must be in form and substance
reasonably satisfactory to the Company:

               5.3.1 AGREEMENTS PERFORMED. Buyer will have performed all of the
obligations under this Agreement to be performed by it at or before the Closing;

                                       12
<PAGE>

               5.3.2 REPRESENTATIONS ACCURATE. The representations and
warranties of Buyer contained herein will continue to be accurate in all
material respects just as if made as of the Closing without giving effect to any
supplemental disclosure, update or modification of any Schedule hereto pursuant
to Section 5.4.3 hereof;

               5.3.3 LEGAL ACTION. There will be no pending or threatened legal
action or inquiry which challenges the validity or legality of or seeks or could
reasonably be expected to prevent, delay or impose conditions on the
consummation of the transactions contemplated by this Agreement;

               5.3.4 OTHERS. The Company will have received each other document
required to be delivered to them hereunder.

        5.4    CLOSING COVENANTS.

               5.4.1 SUPPLEMENTAL DISCLOSURE. Until the Closing, the parties
hereto will immediately notify the other party of any event or circumstance
that:

                      (a) makes it necessary to correct any representation and
               warranty in Article III or IV that has been rendered inaccurate
               thereby; or

                      (b) arises hereafter and which, had it existed on or prior
               to the date hereof, would have resulted in an inaccuracy in a
               representation and warranty in Article III or IV.

               5.4.2 SATISFACTION OF CONDITIONS. The Company agrees to use its
best efforts to cause each of the conditions set forth in Section 5.2 to be
satisfied at or before the Closing. Buyer agrees to use its best efforts to
cause each of the conditions set forth in Section 5.3 to be satisfied at or
before the Closing.

               5.4.3  TERMINATION. This Agreement may be terminated:

                      (a) by written agreement of Buyer and the Company; or

                      (b) by Company, if there has been a material breach by
               Buyer of any of the Buyers' representations, warranties,
               covenants or agreements set forth in this Agreement which breach
               cannot be cured after 20 days advanced written notice to the
               Buyer; or

                      (c) by the Buyer, if there has been a material breach by
               the Company or its Subsidiaries of any of the Company's
               representations, warranties, covenants or agreements set forth in
               this Agreement which breach cannot be cured after 20 days
               advanced written notice to the Company or its Subsidiaries.

                                       13
<PAGE>

If this Agreement is terminated pursuant to paragraph (a) of this Section, all
provisions of this Agreement will become void without any liability on the part
of any party. If this Agreement is terminated pursuant to paragraph (b) of this
Section, all rights and remedies of each party hereunder and all other
provisions hereof related thereto will survive termination to the extent
required so that any party responsible for any breach or nonperformance of its
obligations hereunder prior to termination will remain liable for the damages
resulting therefrom. All rights and remedies of each party hereunder and all
other provisions hereof related thereto will survive termination to the extent
required so that any party responsible for any breach or nonperformance of its
obligations hereunder prior to termination will remain liable for the damages
resulting therefrom.

        5.5 CLOSING DELIVERIES. At the Closing, the parties hereto will make the
transfers and deliveries hereinafter set forth. The transfers and deliveries
herein contemplated will be mutually interdependent and regarded as occurring
simultaneously; and no such transfer or deliver will become effective until all
of the transfers and deliveries provided for hereunder have been consummated.
The transfers and deliveries herein contemplated will be deemed to have occurred
and the Closing will be effective as of the close of business on the Closing
Date.

               5.5.1 DELIVERIES FROM THE COMPANY TO BUYER. At the Closing, the
Company shall deliver or cause to be delivered the following to Buyer:

                      (a) certificates representing all of the Purchased Stock
               duly endorsed by authorized officers of the Company, fully
               registered in the name of Buyer and duly recorded on the
               shareholder and transfer records of Company, free of all Liens
               and assessments; and

                      (b) such other documents reasonably requested by Buyer to
               be delivered to Buyer in order to effectuate the transactions
               contemplated hereby.

               5.5.2 DELIVERIES FROM BUYER TO THE COMPANY. At the Closing, Buyer
shall deliver or cause to be delivered to the Company the Purchase Price.

                                   ARTICLE VI
                                    COVENANTS

        6.1    MISCELLANEOUS COVENANTS.

               6.1.1 PUBLICITY. All public announcements relating to this
Agreement or the transactions contemplated hereby will be made only as may be
authorized written consent of Buyer and Company or as required by Law.

               6.1.2 EXPENSES. Except to the extent otherwise specifically
provided herein, each party will pay all of its own respective expenses incident
to the transactions contemplated by this Agreement which are incurred by such
party or its representatives.

               6.1.3 NO ASSIGNMENT. No assignment of any part of this Agreement
or any right or obligation hereunder may be made without the prior written
consent of all other parties, and any assignment attempted without that consent
will be void.

        6.2    CONFIDENTIALITY.

               6.2.1 CONFIDENTIALITY OBLIGATION. Except for a Required
Disclosure (as defined below) each party hereto agrees not to disclose or use,
directly or indirectly, any Confidential Information, at any time after
execution of this Agreement, and the Closing. In the event of a contemplated
Required Disclosure of Confidential Information by a party, such party agrees to

                                       14
<PAGE>

use his or its best efforts to provide the other party and the Company an
opportunity to object to the disclosure and as much prior written notice as is
possible under the circumstances. For purposes of this Section 6.2.1,
"Confidential Information" means (i) all information belonging to, used by, or
which is in the possession of any party hereto relating to the Company's or its
Subsidiaries' or another party hereto's business to the extent such information
is not intended to be disseminated to the public or is otherwise not generally
known to competitors of the Company or its Subsidiaries, including, but not
limited to, information relating to the Company's or its Subsidiaries' products,
services, strategies, pricing, customers, representatives, suppliers,
distributors, technology, finances, employee compensation, computer software and
hardware, inventions, developments, or trade secrets and (ii) all information
relating to the acquisition of the Purchased Stock by Buyer hereunder,
including, without limitation, all strategies, negotiations, discussions, terms,
conditions, pricing and other information relating to this Agreement and each
other document and agreement delivered in connection herewith. Each party hereto
acknowledges that following the Closing all of the Confidential Information will
be the exclusive proprietary property of the Company or of the appropriate other
parties hereto, as the case may be, whether or not prepared in whole or in part
by any party hereto and whether or not disclosed to or entrusted to the custody
of any party hereto. Nothing herein shall require any party to withhold from
disclosure of any Confidential Information hereunder where disclosure is
required by Law, required to be included in either party's financial statements
or required for the preparation and submission of any report for any agency,
commission or board requiring such information in connection with such party's
business (a "Required Disclosure"). Notwithstanding any other provision
contained in this Agreement to the contrary, the Buyer may furnish information
(including Confidential Information) to third Persons who are agents or
employees of the Buyer. From the date of this Agreement until the Closing Date,
Buyer and the Company shall not directly or indirectly solicit offers with
respect to, negotiate or discuss in any manner any of the transactions contained
in this Agreement with any third person or entity.

        6.3 ACCESS TO INFORMATION. Upon reasonable notice and subject to
applicable Laws relating to the exchange of information, the Company shall
afford to the officers, employees, accountants, counsel and other
representatives of Buyer reasonable access, during normal business hours during
the period prior to the Closing Date, to all of the properties of the Company
and, during such period, the Company shall make available to Buyer all
information and Books and Records concerning the Company and its properties,
business and employees as Buyer may reasonably request.

        6.4 CONDUCT OF BUSINESS. The Company agrees that, from the date hereof
through the Closing, except to the extent otherwise permitted by this Agreement
or consented to in writing by Buyer, the Company shall:

                                       15
<PAGE>

               (a) operate its business only in the ordinary course of business;

               (b) not enter into or assume any material agreement, contract or
        instrument relating to the Company or enter into or permit any material
        amendment, supplement, waiver or other modification in respect thereof;

               (c) pay accounts payable and other obligations of the Company
        when they become due and payable in the ordinary course of business;

               (d) use its reasonable efforts to preserve its business
        organizations intact, to retain the services of its employees and to
        preserve its goodwill and relationships with customers, suppliers,
        creditors and others having business relationships with it;

               (e) take such action as may be reasonably necessary to preserve
        its properties and assets and to maintain its permits and licenses;

               (f) maintain its insurance policies in full force and effect;

               (g) comply with any applicable Law;

               (h) promptly advise Buyer in writing of any material adverse
        effect on the Company or its business, financial condition or properties
        and of any event or circumstance which will, or with reasonable
        certainty will, result in such a material adverse effect on the Company
        or which will, or with reasonable certainty will, constitute a violation
        or breach of any representation, warranty or covenant contained in this
        Agreement;

               (i) review with Buyer all decisions regarding new contracts or
        extensions or amendments of existing contracts, equipment purchases and
        sales and other operational decisions involving individually $25,000 or
        in the aggregate more than $50,000.00;

               (j) except as required by applicable Law or contract, or except
        as consented to in writing by Buyer, not make or commit to make any
        salary or wage increase with respect to any officer, employee or agent
        or enter into, amend or alter any Benefit Plan, trust agreement or
        arrangement or any employment or consulting contract;

               (k) not pay, discharge or satisfy any Liability or Lien other
        than current Liabilities reflected in the most recent financial
        statements of the Company, and current Liabilities incurred since the
        date of the most recent financial statements of the Company in the
        ordinary course of business;

                                       16
<PAGE>

               (l) not sell, transfer or otherwise dispose of or encumber any of
        its cash, assets or properties owned by the Company or its Subsidiaries;

               (m) not declare or pay any dividend or make any distribution with
        respect to the Stock, or redeem, purchase or otherwise acquire any of
        its capital stock;

               (n) not modify or amend any of the terms of any of the contracts
        to which the Company is a party;

               (o) not make any contract or understanding to take any action
        referred to in Sections 6.4(a) through 6.4(n) above; and

               (p) not take any affirmative action, or fail to take any
        reasonable action within its control, which would result in any of the
        changes or events listed in Sections 3.13(a) through 3.13(p).

        6.5 FINANCIAL INFORMATION. From and after the date hereof, the Company
shall provide the board with copies of monthly financial statements of the
Company and at the same time the Company shall also be distributed to the entire
board. Such financial statements shall be delivered to Buyer within five (5)
days after such statements become generally available to management of the
Company.

        6.6 OFFICERS AND EMPLOYEES. Without incurring any Liability with respect
to the Company, the Company shall use best efforts to cause all officers and
employees of the Company to remain with the Company after the Closing Date.
Prior to the Closing Date, the Company shall enter into employment agreements
with Mr. Harvey C. Gannon and Mr. David R. King under terms as designated or
requested by Buyer, including noncompete covenants.

                                   ARTICLE VII
                                 INDEMNIFICATION

        7.1 SURVIVAL OF REPRESENTATIONS AND WARRANTIES. The representations and
warranties of the Company in Article III and Buyer in Article IV will survive
the Closing and continue to be binding regardless of any investigation made at
any time by any party for a period of one (1) year following the Closing Date.

        7.2 INDEMNIFICATION BY THE COMPANY. The Company will indemnify Buyer and
its Affiliates (exclusive of the Company and its Subsidiaries) and the
shareholders, directors, employees and agents of Buyer and its Affiliates
(exclusive of the Company and its Subsidiaries) (collectively, the "Buyer
Indemnified Parties") against and hold them harmless from:

               (a) REPRESENTATIONS. All Liability, loss, damage, deficiency or
        cost (including without limitation reasonable attorneys fees) resulting
        from or arising out of any inaccuracy in or breach of any representation
        or warranty by the Company herein or in any other agreement, or document
        referred to herein and delivered by or on behalf of the Company in

                                       17
<PAGE>

        connection herewith (except, and only to the extent, that any such
        agreement or document provides for an economically equivalent remedy to
        Buyer as is provided hereunder, the intentions of the parties being to
        avoid any duplication of recovery for any breach hereunder); provided,
        however, in no event shall this subsection (a) apply to any inaccuracy
        or breach caused by an event which occurs after the Closing;

               (b) COVENANTS. All Liability, loss, damage, deficiency or cost
        (including without limitation reasonable attorneys fees) from or arising
        out of any breach or nonperformance of any covenant or obligation made
        or incurred by the Company herein or in any other agreement or document
        referred to herein and delivered by or on behalf of the Company in
        connection herewith (except, and only to the extent, that any such
        agreement or document provides for an economically equivalent remedy to
        Buyer as is provided hereunder, the intentions of the parties being to
        avoid any duplication of recovery for any breach thereunder).

        7.3 INDEMNIFICATION BY BUYER. The Buyer will indemnify Company and its
agents (collectively, the "Company Indemnified Parties") against and hold them
harmless from:

               (a) REPRESENTATIONS. All Liability, loss, damage, deficiency or
        cost (including without limitation reasonable attorneys fees) from or
        arising out of any inaccuracy in or breach of any representation or
        warranty by Buyer herein or in any other agreement, or document referred
        to herein and delivered by or on behalf of Buyer in connection herewith
        (except, and only to the extent, that any such agreement or document
        provides for an economically equivalent remedy to the Company as is
        provided hereunder, the intentions of the parties being to avoid any
        duplication of recovery for any breach hereunder);

               (b) COVENANTS. All Liability, loss, damage or deficiency
        resulting from or arising out of any breach or nonperformance of any
        covenant or obligation made or incurred by Buyer herein or in any other
        agreement or document referred to herein and delivered by or on behalf
        of Buyer in connection herewith (except, and only to the extent, that
        any such agreement or document provides for an economically equivalent
        remedy to the Company as is provided hereunder, the intentions of the
        parties being to avoid any duplication of recovery for any breach
        thereunder).

        7.4 INDEMNIFICATION CONTROL. Each Indemnified Party under this Section 7
shall, promptly after the receipt of notice of the commencement of any action or
other proceeding against such Indemnified Party in respect of which indemnity
may be sought under this Section 7, notify the Indemnifying Party in writing of
the commencement thereof. The omission of any Indemnified Party so to notify the
Indemnifying Party of any such action shall not relieve the Indemnifying Party
from any liability that it may have to such Indemnified Party under this Section
7 unless, and only to the extent that, such omission results in the Indemnifying

                                       18
<PAGE>

Party's forfeiture of substantive rights or defenses. In case any such action or
other proceeding shall be brought against any Indemnified Party and it shall
notify the Indemnifying Party of the commencement thereof, the Indemnifying
Party shall be entitled to participate therein and, to the extent that it may
wish, to assume the defense thereof, with counsel satisfactory to such
Indemnified Party in its reasonable judgment; provided, however, that any
Indemnified Party may, at its own expense, retain separate counsel to
participate in such defense. Notwithstanding the foregoing, in any action or
proceeding in which both the Indemnifying Party and an Indemnified Party is, or
is reasonably likely to become, a party, such Indemnified Party shall have the
right to employ separate counsel at the Indemnifying Party's expense and to
control its own defense of such action or proceeding if, in the opinion of
counsel to such Indemnified Party, (i) there are or may be legal defenses
available to such Indemnified Party or to other indemnified parties that are
different from or additional to those available to the Indemnifying Party which
counsel selected by the Indemnifying Party is not pursuing to the reasonable
satisfaction of the Indemnified Party, or (ii) any conflict or potential
conflict exists between the Indemnifying Party and such Indemnified Party that
would make such separate representation advisable; provided, however, that in no
event shall the Indemnifying Party be required to pay fees and expenses under
this Section 7 for more than one firm of attorneys representing the indemnified
parties in any jurisdiction in any one legal action or group of related legal
actions. The Indemnifying Party shall not, without the prior written consent of
the Indemnified Party, settle, compromise or consent to the entry of any
judgment in any pending or threatened claim, action or proceeding relating to
any matter subject to indemnification hereunder unless such settlement,
compromise or consent includes an unconditional release of the Indemnified Party
and each other Indemnified Party from all liability arising or that may arise
out of such claim, action or proceeding. The Indemnifying Party shall not be
liable for any settlement of any claim, action or proceeding effected against an
Indemnified Party without the Indemnifying Party's written consent, which
consent shall not be unreasonably withheld. The rights accorded to indemnified
parties hereunder shall be in addition to any rights that any Indemnified Party
may have at common law, by separate agreement or otherwise. "Indemnifying Party"
means the Company as indemnifying party under Section 7.2, and the Buyer as
indemnifying party under Section 7.3, as the case may be.

                                  ARTICLE VIII
                                  CONSTRUCTION

        8.1 DEFINITIONS. When used in this Agreement, the following terms in all
of their tenses and cases will have the meanings assigned to them below or
elsewhere in this Agreement as indicated below:

        "Affiliate" of any Person means any person directly or indirectly
controlling, controlled by, or under common control with, any such Person and
any officer, director or controlling person of such Person.

        "Books and Records" means all books and records of the Company relating
to the Company's business and properties, including, but not limited to, (i) all
books and records relating to the purchase of materials and supplies, sales of

                                       19
<PAGE>

products, dealings with customers, invoices, suppliers' lists and personnel
records, (ii) all contracts, reports, opinions, maps and other documents
affecting the title to or the value of the properties of the Company, (iii) tax
returns, and (iv) all financial and operating data, files and other information
with respect to the Company's business and properties.

        "Buyer" means National Education Loan Network, Inc., a Nevada
corporation.

        "Closing" and "Closing Date" are defined in Section 5.1.

        "Company" means infiNET Integrated Solutions, Inc., an Illinois
corporation.

        "Company Indemnified Parties" is defined in Section 7.3.

        "Confidential Information" is defined in Section 6.2.1.

        "GAAP" means generally accepted accounting principles.

        "Governmental Authority" means any federal, provincial, municipal,
state, regional or local authority, agency, body, court or instrumentality,
regulatory or otherwise, domestic or foreign, which, in whole or in part, was
formed by or operates under the auspices of any federal, provincial, municipal,
state, regional or local government, domestic or foreign.

        "Law" means any common law and any federal, provincial, municipal,
state, regional, local or foreign law, bylaw, rule, statutes, ordinance, rule,
order or regulation.

        "Liabilities" means responsibilities, obligations, duties, commitments,
claims and liabilities of any and every kind, whether known or unknown, accrued,
absolute, contingent or otherwise.

        "Lien" means any security interest, lien, charge, covenant, condition,
easement, adverse claim, demand, encumbrance, limitation, security interest,
option, pledge, warrant, preemption right or any other title defect or
restriction of any kind.

        "Person" means any individual, corporation, partnership, association or
any other entity or organization.

        "Purchased Stock" means the capital stock the Company acquired by Buyer
at the Closing and which at the Closing shall represent 50.0% of the issued and
outstanding capital stock (voting and nonvoting) and equity interest in the
Company.

        "Purchase Price" is defined in Section 2.1.

        "Securities Act" means the Securities Act of 1933, as amended.

        "Subsidiaries" means those set forth in Schedule 3.7 attached hereto.

        "Tax" means any charge or assessment by or liability to any Governmental
Authority, including, but not limited to, any deficiency, interest or penalty.

                                       20
<PAGE>

        8.2    NOTICES. All notices shall be in writing delivered as follows:

        (a) If to Buyer:

                      National Education Loan Network, Inc.
                      Attention: Terry J. Heimes
                      121 South 13th Street, Suite 201
                      Lincoln, Nebraska 68508
                      Telephone: 402/458-2303
                      Facsimile: 402/458-2294

               with a copy to:

                      Daniel F. Kaplan
                      Perry, Guthery, Haase
                      & Gessford, P.C., L.L.O.
                      233 South 13th Street, Suite 1400
                      Lincoln, Nebraska 68508
                      Telephone: 402/ 476-9200
                      Facsimile: 402/ 476-0094

        (b) If to the Company:

                      INFINET Integrated Solutions, Inc.
                      Attention: Harvey C. Gannon, CEO and Chairman
                      1425 East Busch Parkway
                      Buffalo Grove, Illinois 60089
                      Telephone: 847.821.3880
                      Facsimile: 847.821.3881

               with copy to:

                      Gardner Carton & Douglas LLC
                      Attn: John Goebel
                      191 North Wacker Drive
                      Suite 3700
                      Chicago, Illinois  60606
                      Telephone: 312.569.1118
                      Facsimile: 312.569.3118

or to such other address as may have been designated in a prior notice. Notices
sent by registered or certified mail, postage prepaid, return receipt requested,
shall be deemed to have been given two business days after being mailed, and
otherwise notices shall be deemed to have been given when received.

                                       21
<PAGE>

        8.3 BINDING EFFECT. Except as may be otherwise provided herein, this
Agreement will be binding upon and inure to the benefit of the parties and their
respective successors and permitted assigns. Except as otherwise provided in
this Agreement, nothing in this Agreement is intended or will be construed to
confer on any Person other than the parties any rights or benefits hereunder.

        8.4 COUNTERPARTS. This Agreement may be executed in multiple
counterparts, each of which will be deemed an original, and all of which
together will constitute one and the same document.

        8.5 CONSTRUCTION. The language used in this Agreement will be deemed to
be the language chosen by the parties hereto to express their mutual intent, and
no rule of strict construction will be applied against either party. This
Agreement shall be construed to be valid and enforceable to the full extent
allowed by law. It is agreed that if any part, term or provision of this
Agreement is determined to be illegal, unenforceable or in conflict with
applicable law, the validity of the remaining terms and provisions shall not be
affected, and the rights and obligations of the parties shall be construed and
enforced as if the Agreement did not contain the term of provision held to be
invalid.

        8.6 MODIFICATION. No supplement, modification or amendment of this
Agreement will be binding unless made in a written instrument which is signed by
both parties and which specifically refers to this Agreement.

        8.7 ENTIRE AGREEMENT. This Agreement and the agreements and documents
referred to in this Agreement or delivered hereunder are the exclusive statement
of the agreement between the parties concerning the subject matter hereof. All
negotiations between the parties are merged into this Agreement, and there are
no representations, warranties, covenants, understandings or agreements, oral or
otherwise, in relation thereto between the parties other than those incorporated
herein and to be delivered hereunder. This Agreement shall specifically
supersede any prior negotiations, understandings or agreements between the
Company and Buyer.

                            [SIGNATURES ON NEXT PAGE]

                                       22
<PAGE>

        INTENDING TO BE LEGALLY BOUND, the parties have signed this Stock
Purchase Agreement as of the date first above written.

National Education Loan Network, Inc.

By:     /S/ Mike Dunlap
      --------------------------------------

Title:  CEO
      --------------------------------------

INFINET Integrated Solutions, Inc.

By:     /S/ Harvey Gannon
      --------------------------------------

Title:  CEO
      --------------------------------------EXHIBIT 10.73

                             INDUSTRIAL SPACE LEASE
                               THE CORPORATE GROVE
                             BUFFALO GROVE, ILLINOIS

LANDLORD:                CGA INVESTMENT COMPANY L.L.C

TENANT:                  INFINET SOLUTIONS, INC., AN ILLINOIS CORPORATION

LEASED PREMISES:         1425 BUSCH PARKWAY
                         BUFFALO GROVE, ILLINOIS

LEASE PREPARED BY:       John H. Mays
                         Gould & Ratner
                         222 N. LaSalle Street
                         Chicago, Illinois 60601

<PAGE>

                                TABLE OF CONTENTS

1.    GRANT, TERM, DEFINITIONS AND BASIC LEASE PROVISIONS .....................1

2.    POSSESSION ..............................................................2

2.    PURPOSE..................................................................2

3.    RENT.....................................................................4

5.    IMPOSITIONS..............................................................4
..
6.    INSURANCE................................................................6

7.    DAMAGE OR DESTRUCTION....................................................8

8.    CONDEMNATION.............................................................8

9.    MAINTENANCE AND ALTERATIONS..............................................9

10.   LIENS AND ENCUMBRANCES..................................................11

11.   ASSIGNMENT AND SUBLETTING...............................................12

12.   UTILITIES...............................................................13

13.   INDEMNITY AND WAIVER....................................................13

14.   RIGHTS RESERVED TO LANDLORD.............................................14

15.   QUIET ENJOYMENT.........................................................15

16.   SUBORDINATION OR SUPERIORITY............................................15

17.   SURRENDER...............................................................15

18.   REMEDIES................................................................16

19.   SECURITY DEPOSIT........................................................19

20.   MISCELLANEOUS...........................................................20

21.   OPTION TO EXTEND........................................................24

22.   LIMITATION OF LABILITY..................................................24

<PAGE>

        THIS LEASE is made this 26th day of March 2002, by and between CGA
INVESTMENT COMPANY L.L.C. (hereinafter sometimes referred to as "Landlord"), and
INFINET SOLUTIONS, INC., an Illinois corporation (hereinafter sometimes referred
to as "Tenant") covenant and agree as follows:

1.      GRANT, TERM, DEFINITIONS AND BASIC LEASE PROVISIONS

        1. GRANT. Landlord, for and in consideration of the rents herein
reserved and of the covenants and agreements herein contained on the part of the
Tenant to be performed, hereby leases to Tenant, and Tenant hereby lets from
Landlord, premises known as 1425 Busch Parkway, Buffalo Grove, Illinois,
consisting of approximately 12,594 square feet, being a part of the real estate
commonly known as 1405-1495 Busch Parkway, The Corporate Grove, Buffalo Grove,
Illinois, (hereinafter sometimes referred to as the "Real Estate"), together
with all improvements now located or to be located on said premises during the
term of this Lease, together with all appurtenances belonging to or in any way
pertaining to the said premises (such premises, improvements and appurtenances
hereinafter sometimes jointly or severally, as the context requires, referred to
as "Leased Premises").

        1.1 TERM. The term of this Lease shall commence on May 1, 2002
(hereinafter sometimes referred to as "Commencement Date") and shall end on
April 30, 2003, unless sooner terminated as herein set forth.

        1.2 TENANT'S PRO RATA SHARE. As used in this Lease, the term "Tenant's
Pro Rata Share" shall be Fourteen and 25/100 percent (14.25%).

        1.3 AGENT. As used in this Lease, the term "Agent" shall mean the agent
of Landlord (but if Landlord is an Illinois land trust, the term "Agent" shall
mean the agent of the beneficiary or beneficiaries of Landlord). Until otherwise
designated by notice in writing from Landlord, Agent shall be Van Vlissingen and
Co. Tenant may rely upon any consent or approval given in writing by Agent or
upon notice from Agent or from the attorneys for Agent or Landlord.

        1.4  BASIC LEASE PREVISIONS.

        (a) Purpose (See Section 3.0): Office, sales and development of
            ecommerce software.

        (b) Rent (See Section 4.0):

                                       Monthly
               Period                Annual Rent           Installments
               ------                -----------           ------------

               05/01/02-             $98,485.08            $8,207.09
               04/30/03

<PAGE>

        (c)     Payee (See Section 4.0): CGA Investment Company L.L.C.

        (d)     Payee's Address (See Section 4.0) One OverIook Point,
                Lincolnshire Corporate Center, Lincolnshire, Illinois 60069.

        (e)     Base Impositions (See Section 5.0): $ -0-

        (f)     Form of Insurance (See Section 6.1): Tile insurance specified in
                subsections 6.0(a) and 6.0(c) of this Lease shall insure
                Landlord, Landlord's beneficiaries and respective agents
                (including Agent), in addition to Tenant

        (g)     Base Insurance Premium (See Section 6.3): $-0-

        (h)     Monitoring Service Charge (See Section 6.4): _X_ YES ___NO

        (i)     Water and Sewerage Charge (See Section 12.0): _X_YES __ NO

        (j)     Security Deposit (See Section 19.0): $10,411.04

        (k)     Tenant's Address (for notices) (See Section 20.4): Mr. Harvey
                Gannon Infinit Solutions, Inc., 1425 Busch Parkway, Buffalo
                Grove, Illinois 60089

        (l)     Landlord's Address (for notices) (See Section 20.4): c/o Van
                Vlissingen and Co., One Overlook Point, Suite 100, Lincolnshire
                Corporate Center, Lincolnshire, Illinois 60069.

        (m)     Brokers (See section 20.12): Van Vlissingen and Co

        (n)     Number of Parking Spaces (see Section 20.16): 40 unreserved

        (o)     Guarantor's Name and Address (See Separate Guaranty): None

                                  2. POSSESSION

        2.0 POSSESSION. Tenant is currently in possession of the Leased Premises
under a Sublease with Communicate Direct, Inc. Except as provided in this
Article 2, Tenant is accepting the Leased Premises in its current condition and
"AS IS." Landlord agrees to partition the opening between the 1405 Busch Parkway
unit and the Leased Premises within thirty (30) days of Commencement Date.

                                   3. PURPOSE

        3.0 PURPOSE. The Leased Premises shall be used and occupied only for the
purpose set forth in Section 1.4(a).

                                       2
<PAGE>

        3.1 USES PROHIBITED. Tenant will not permit the Leased Premises to be
used in any manner which would render the insurance thereon void or the
insurance risk more hazardous. Tenant shall not use or occupy the Leased
Premises, or permit the Leased Premises to be used or occupied, contrary to any
statute, role, order, ordinance, requirement or regulation applicable thereto;
or in any manner which would violate any certificate of occupancy affecting the
same or the Declarations of Protective Covenants; or which would cause
structural injury to the improvements; or cause the value or usefulness of the
Leased Premises, or any part thereof, to diminish; or which would constitute a
public or private nuisance or waste.

        3.2 PROHIBITION OF USE. If the use of the Leased Premises should at any
time during the Lease term be prohibited by law or ordinance or other
governmental regulation, or prevented by injunction, this Lease shall not be
thereby terminated, nor shall Tenant be entitled by reason thereof to surrender
the Leased Premises or to any abatement or reduction in rent, nor shall the
respective obligations of the parties hereto be otherwise affected.

        3.3 ENVIRONMENTAL MATTERS. In the event Tenant shall conduct or
authorize the generation, transportation, storage, treatment, or disposal at the
Leased Premises of any substance regulated under the Resource Conservation and
Recovery Act, the Comprehensive Environmental Response, Compensation and
Liability Act of 1980, as amended, the Superfund Amendments and Reauthorization
Act of 1986, the Federal Water Pollution Control Act and all other federal,
state, and local laws relating to pollution or protection of the environment,
including, without limitation, laws relating to emissions, discharges, releases,
or threatened releases of industrial, toxic, or hazardous substances or wastes
of other pollutants, contaminants, petroleum products or chemicals (collectively
"Hazardous Substances") into the environment (including, without limitation,
ambient air, surface water, ground water, land surface, or subsurface strata) or
otherwise relating to the manufacture, processing, distribution, use, treatment,
storage, disposal, transport or handling of Hazardous Substances (the
"Environmental Laws"):

        (a) Tenant shall, at its own cost, comply with all Environmental Laws.

        (b) Tenant shall promptly provide Landlord with copies of all
communications, permits, or agreements with any governmental authority or agency
(federal, state, or local) or any private entity relating in any way to the
presence, release, threat of release, placement on or in the Leased Premises, or
the generation, transportation, storage, treatment, or disposal at the Leased
Premises, of any Hazardous Substance.

          (c) Landlord and Landlord's agents and employees shall have the right
to enter the Leased Premises and/or conduct appropriate tests for the purposes
of ascertaining that Tenant complies with all Environmental Laws relating in any
way to the presence of Hazardous Substances on the Leased Premises.

        (d) Upon written request by Landlord, Tenant shall provide Landlord with
the results of appropriate tests of air, water, or soil to demonstrate that
Tenant complies with all Environmental Laws relating in any way to the presence
of Hazardous Substances on the Leased Premises.

                                       3
<PAGE>

        If as a result of Tenant's action, or the actions of Tenant's agents,
employees, guests, invitees, or independent contractors, the presence, release,
threat of release, placement on or in the Leased Premises, or the generation,
transportation, storage, treatment, or disposal at the Leased Premises of any
Hazardous Substance: (i) gives rise to liability (including, but not limited to,
a response action, remedial action, or removal action) under RCRA, CERCLA, the
IEPA, or any common law theory based on nuisance or strict liability, (ii)
causes a significant public health effect, or (iii) pollutes or threatens to
pollute the environment, Tenant shall promptly take any and all remedial and
removal action necessary to clean up the Leased Premises and mitigate exposure
to liability arising from the Hazardous Substance, whether or not required by
law.

        Tenant hereby represents that the intended operation of Tenant's
business on the Leased Premises is not currently subject to reporting under
Section 312 of the Federal Emergency Planning and Community Right-to-Know Act of
1986, and federal regulations promulgated thereunder, and in the event Tenant's
business at any time becomes subject to the afore-described Act and regulations
Tenant shall fully comply therewith and shall promptly provide Landlord with
copies of all reporting materials filed or submitted under such Act and
regulations.

        Tenant shall indemnify, defend, and hold Landlord harmless from all
damages, costs, losses, expenses (including, but not limited to, actual
attorneys' fees and engineering fees) arising from or attributable to any breach
by Tenant of any of the provisions of this Section. Tenant's obligations
hereunder shall survive the termination of this Lease.

                                     4. RENT

        4.0 RENT. Beginning with the Commencement Date, Tenant shall pay to, or
upon the order of Payee at Payee's Address, until otherwise notified in writing
by Landlord, as rent for the Leased Premises, the annual rental set forth in
Section 1.4(b) payable monthly in advance in installments as set forth in
Section 1.4(b). All payments of rent shall be made without deduction, set off,
discount or abatement in lawful money of the United States.

        4.1 INTEREST ON LATE PAYMENTS. Each and every installment of rent and,
each and every payment of other charges hereunder which shall not be paid when
due, shall bear interest from the date when the same is payable under the terms
of this Lease until the same shall be paid at an annual rate equal to eighteen
per cent (18%) per annum unless a lesser rate shall then be the maximum rate
permissible by law with respect thereto, in which event said lesser rate shall
be charged.

        4.2 RETURNED CHEEKS. Tenant shall pay to Landlord, as additional rent
the sum of Twenty-Five Dollars ($25.00) for each check returned to Landlord for
any reason including, but not limited to, insufficient funds, nonexistent or
closed account, or nonnegotiabiIity.

                                 5. IMPOSITIONS

        5.0 PAYMENT BY TENANT. Tenant shall pay to Landlord, as additional rent
hereunder, for each calendar year all or any part of which falls within the term
of the Lease ("Adjustment Year"), Tenant's Pro Rata Share of the amount by which
the Impositions for such Adjustment

                                       4
<PAGE>

Year exceeds the Base Impositions ("Imposition Adjustment"). Tenant shall make
payments ("Estimated Payment") on account of the Imposition Adjustment effective
as of the first day of the term of this Lease and of the first day of each
subsequent Adjustment Year as follows:

        (a)     Landlord may, prior to each Adjustment Year or from time to time
                during the Adjustment Year, deliver to Tenant a written notice
                or notices ("Projection Notice") setting forth Landlord's
                reasonable estimate of the Impositions for such Adjustment Year
                and Tenant's Estimated Payments for such Adjustment Year.

        (b)     Until such time as Landlord notifies Tenant of the Estimated
                Payments for an Adjustment Year, Tenant shall, at the time of
                each payment of monthly installment of annual rental, pay to
                Landlord a monthly installment of Estimated Payments equal to
                the greater of the latest monthly installment of Estimated
                Payments or one-twelfth (1/12) of Tenant's latest determined
                Imposition Adjustment. On or before the first day of the next
                calendar month following Landlord's notice, and on or before the
                first day of each month thereafter, Tenant shall pay to Landlord
                one-twelfth (1/12) of the Estimated Payment shown in Landlord's
                notice. Within fifteen (15) days following receipt of Landlord's
                notice, Tenant shall also pay Landlord a lump sum equal to the
                Estimated Payment shown in the Projection Notice less (1) any
                previous payments on account of Estimated Payments made during
                such Adjustment Year and (2) monthly installments on account of
                Estimated Payments due for the remainder of such Adjustment
                Year.

        (c)     After Landlord shall have determined the actual amount of
                Impositions for such Adjustment Year, Landlord shall notify
                Tenant in writing ("Landlord's Statement") of such Impositions
                for such Adjustment Year. If the Imposition Adjustment owed for
                such Adjustment Year exceeds the Estimated Payments paid by
                Tenant for such Adjustment Year, then within ten (10) days after
                receipt of Landlord's Statement, Tenant shall pay to Landlord an
                amount equal to the excess of the Imposition Adjustment over the
                Estimated Payments paid by Tenant for such Adjustment Year. If
                such Estimated Payments exceed the Imposition Adjustment owed
                for such Adjustment Year, then Landlord shall refund the
                difference to Tenant within fifteen (15) days after delivery of
                Landlord's Statement.

        (d)     If the term of this Lease commences on any day other than the
                first day of an Adjustment Year or ends on any day other than
                the last day of an Adjustment Year as the case may be, the
                Imposition Adjustment for such year payable by Tenant shall be
                prorated based on the number of days in such Adjustment Year
                included in the term of this Lease.

        (e)     No interest shall accrue or be payable with respect to Estimated
                Payments.

                                       5
<PAGE>

        5.1 DEFINITION OF IMPOSITIONS. As used herein the term "Impositions"
shall mean all taxes and assessments, general and special, water rates and all
other, impositions, ordinary and extraordinary, of every kind and nature
whatsoever, which may be levied, assessed or imposed upon the Real Estate, or
any part thereof, or upon any improvements at any time situated thereon,
including, without limitation, any assessment by The Corporate Grove
Association, the association of owners of property in The Corporate Grove.
Impositions shall also include fees and costs incurred by Landlord for the
purpose of contesting or protesting tax assessments or rates (THESE FEES ARE
ONLY APPLICABLE IF THE SAVINGS GENERATED EXCEED THE CONTEST/PROTEST FEES). If at
any time during the term of this Lease the method of taxation prevailing at the
commencement of the term hereof shall be altered so that any new tax,
assessment, levy, imposition or charge, or any part thereof, shall be measured
by or be based in whole or in part upon the Lease, the Real Estate or Leased
Premises, or the rent, additional rent or other income there from and shall be
imposed upon the Landlord, then all such taxes, assessments, levies, impositions
or charges, or the part thereof, to the extent that they are so measured or
based, shall be deemed to be included within the term Impositions for the
purposes hereof, to the extent that such Impositions would be payable if the
Real Estate were the only property of Landlord subject to such Impositions.
There shall be excluded from Impositions all federal income taxes, federal
excess profit taxes, franchise, capital stock and federal or state estate or
inheritance taxes of Landlord. All references herein to Impositions "for" a
particular year shall be deemed to refer to the Impositions levied, assessed or
otherwise imposed for such year without regard to when such Impositions are
payable.

                                  6. INSURANCE

        6.0 KINDS AND AMOUNTS. As additional rent for the Leased Premises,
Tenant shall procure and maintain policies of insurance, at its own cost and
expense, insuring:

        (a)     Landlord and Tenant from all claims, demands or actions for
                injury to or death of any person in an amount of not less than
                $1,000,000.00, for injury to or death of more than one person in
                any one occurrence to the limit of $2,000,000.00, and for damage
                to property in amount of not less than $500,000.00 made by, or
                on behalf of, any person or persons, firm or corporation arising
                from, related to or connected with the Leased Premises. Said
                insurance shall comprehend full coverage of the indemnity set
                forth in Section 13.0 hereto;

        (b)     Tenant from all workmen's compensation claims;

        (c)     Landlord and Tenant against breakage of all plate glass utilized
                in the improvements on the Leased Premises;

        (d)     All contents and Tenant's trade fixtures, machinery, equipment,
                furniture and furnishings in the Leased Premises to the extent
                of at least ninety percent (90%) of their replacement cost under
                standard fire and extended coverage insurance, including,
                without limitation, vandalism and malicious mischief and
                sprinkler leakage endorsements.

                                       6
<PAGE>

        6.1 FORM OF INSURANCE. The aforesaid insurance shall be in companies and
in form, substance and amount (where not stated above) satisfactory to Landlord
and any mortgagee of Landlord, and shall contain standard mortgage clauses
satisfactory to Landlord's mortgagee. The aforesaid insurance may be furnished
under a blanket policy, if and only if, said blanket policy contains an
endorsement that references the Leased Premises and guarantees a minimum limit
available for the Leased Premises equal to the amounts required under Section
6.0 above. The aforesaid insurance shall not be subject to cancellation except
after at least thirty (30) day's prior written notice to Landlord and any
mortgagee of Landlord. The original insurance policies (or certificates thereof
satisfactory to Landlord) together with satisfactory evidence of payment of the
premiums thereon, shall be deposited with Landlord at the Commencement Date and
renewals thereof not less than thirty (30) days prior to the end of the term of
each such coverage. If Landlord is an Illinois Land Trustee the insurance
referred to in subsection 6.0(a), 6.0 (b), and 6.0(d) hereof shall also insure
the beneficiary or beneficiaries thereof.

        6.2 MUTUAL WAIVER OF SUBROGATION RIGHTS. Whenever (a) any loss, cost,
damage or expense resulting from fire, explosion or any other casualty or
occurrence is incurred by either of the parties to this Lease, or anyone
claiming by, through or under it, in connection with the Leased Premises, and
(b) such party is then covered in whole or in part by insurance with respect to
such loss, cost, damage or expense, or is required under this Lease to be so
insured, then the party so insured (or so required) hereby releases the other
party from any liability said other party may have on account of such loss,
cost, damage or expense to the extent of any amount recovered by reason of such
insurance (or which could have been recovered had such insurance been carried as
so required) and waives any right of subrogation which might otherwise exist in
or accrue to any person on account thereof. If the party released from liability
hereunder is the Landlord, and if Landlord is an Illinois land trust, the term
"Landlord" for the purpose of this Section 6.2 only, shall include the Trustee,
its agents, its beneficiary or beneficiaries and their agents.

        6.3 EXCESS INSURANCE PREMIUMS. Tenant shall pay to Landlord, as
additional rent for the Leased Premises, Tenant's Pro Rata Share of any excess
in premiums for casualty, rent loss and all liability insurance (with all
endorsements) paid annually by Landlord with respect to the Real Estate during
the Lease term over the Base Insurance Premium. Tenant shall be obligated to pay
its Pro Rata Share of only those annual premiums which relate to insurance
coverage during the term of this Lease. Tenant's Pro Rata Share of such excess
premiums shall be paid by Tenant to Landlord within ten (10) days after Landlord
bills Tenant therefor, or, at Landlord's election, in monthly installments in
amounts estimated by Landlord. If Landlord bills Tenant based on estimates, the
amount payable by Tenant shall be adjusted when the actual premium amount is
determined.

        6.4 FIRE PROTECTION. Tenant shall conform with all applicable fire codes
of any governmental authority, and with the rules and regulations of Landlord's
fire underwriters and their fire protection engineers, including, without
limitation, the installation of adequate fire extinguishers. If a Monitoring
Service Charge is provided in Section 1.4(h), then Landlord is providing a
sprinkler monitoring system with a direct connection to the local fire
department or monitoring service and Tenant shall pay to Landlord a monthly
Monitoring Service Charge to reimburse Landlord for the cost of the operation
and maintenance thereof. Said monthly Monitoring Service charge shall be
determined by Landlord based on Tenant's Pro Rata Share of

                                       7
<PAGE>

the cost of operating and maintaining the system and shall be paid by Tenant to
Landlord within ten (10) days after Landlord bills Tenant therefor. If there is
no Monitoring Service Charge provided in Section 1.4(h) and if the Leased
Premises are served by a sprinkler system, then Tenant shall, at its sole cost
and expense, install a sprinkler monitoring system with direct connection to the
local fire department or a monitoring service approved by Landlord and maintain
the same in effect at all times during the entire Lease term.

                            7. DAMAGE OR DESTRUCTION

        7.0 In the event the Premises or any structures or improvements thereon
are damaged or destroyed during the term thereof, Lessor shall determine in its
sole discretion, whether to promptly cause the said damage or destruction to be
repaired and if so determined, shall cause the Premises to be restored to a
condition substantially equivalent to the existing immediately preceding the
occurrence. If so decided, such repair and restoration shall be at Lessor's
expense, excepting the cost of replacing or repairing Lessee's fixtures or
personal property.

        7.1 Lessor shall determine whether to repair or not within thirty (30)
days from the date of the damage or destruction. In the event Lessor decides to
repair, Lessor shall have ninety (90) days from the date of the decision to
complete repairs. In the event Lessor determines not to repair, then both Lessor
and Lessee shall at such time have the option to terminate this Lease. All
insurance proceeds which relate to the building and improvements and net
Lessee's contents shall be the property of the Lessor. Lessor shall abate the
rent payable from the date of loss and during the period in which repairs and
restoration are taking place. If Lessor decides not to repair, the Lease shall
terminate on the 30 days following notice from Lessor and all amounts payable by
lessee under this lease shall be pro-rated to the last date that the Lessee
shall have had us and occupancy of the Premises.

                                 8. CONDEMNATION

        8.0 TAKING OF WHOLE. If the whole of the Leased Premises shall be taken
or condemned for a public or quasi-public use or purpose by a competent
authority, or if such a portion of the Leased Premises shall be so taken that as
a result thereof the balance cannot be used for the same purpose and with
substantially the same utility to Tenant as immediately prior to such taking,
then in either of such events, the Lease term shall terminate upon delivery of
possession to the condemning authority, and any award, compensation or damages
(hereinafter sometimes called the "award") shall be paid to and be the sole
property of Landlord whether the award shall be made as compensation for
diminution of the value of the leasehold estate or the fee of the Real Estate or
otherwise and Tenant hereby assigns to Landlord all of Tenant's right, title and
interest in and to any and all such award. Tenant shall continue to pay rent and
other charges hereunder until the Lease term is terminated and any excess
Impositions and excess premiums prepaid by Tenant, or which accrue prior to the
termination, shall be adjusted between the parties.

        8.1 PARTIAL TAKING. If only a part of the Leased Premises shall be so
taken or condemned, but the balance of the Leased Premises can still be used for
the same purpose and with substantially the same utility to Tenant as
immediately prior to such taking, this Lease shall

                                       8
<PAGE>

not terminate and Landlord shall repair and restore the Leased Premises and all
improvements thereon, except that Landlord shall not hereby be required to
expend for repair and restoration any sum in excess of the Award. Any portion of
the Award which has not been expended by Landlord for such repairing or
restoration shall be retained by Landlord as Landlord's sole property. The rent
shall be equitably abated following delivery of possession to the condemning
body. If fifty percent (50%) or more of the building within which the Leased
Premises are located shall be so taken or condemned, Landlord may terminate this
Lease by giving written notice thereof to Tenant within sixty (60) days after
such taking. In such event, the award shall be paid to or be the sole property
of Landlord.

                         9. MAINTENANCE AND ALTERATIONS

9.0     LANDLORD'S MAINTENANCE.

        (a)     Landlord shall, at its Sole cost and expense, keep and maintain
                the roof and exterior walls (but not exterior windows and doors
                and their frames if damage caused by tenant negligence) of the
                building of which the Leased Premises are a part, in good order
                and repair, except for loss by fire or other casualty, which
                loss is covered by Article 7 of this Lease.

        (b)     Landlord shall perform all exterior painting (at such intervals
                as Landlord deems appropriate) and shall remove snow
                accumulations from the roof (if deemed necessary by Landlord),
                and from the parking lot, and shall perform necessary
                maintenance, repairs and replacements to the exterior windows
                and doors and their frames and on portions of the Real Estate
                and the improvements and mechanical equipment thereon (including
                the parking lot and landscaping) used in common by the tenants
                thereof. Except as provided in subsection 9.0(a) and in Article
                7, hereof Tenant shall pay to Landlord Tenant's Pro Rata Share
                of the cost and expense incurred by Landlord in fulfilling its
                obligations under this subsection 9.0(b). Such payment shall be
                additional rent hereunder and shall be paid to Landlord within
                ten (10) days after Landlord bills Tenant therefor or, at
                Landlord's election, in monthly installments in amounts
                estimated by Landlord.

        (c)     Landlord shall repair or replace any damage to the Real Estate,
                including, without limitation, damage to the roof, landscaping,
                or exterior of the building of which the Leased Premises are a
                part, and to truck dock doors caused by or resulting from any
                act or omission or negligence of Tenant, its agents, employees,
                contractors, customers and invitees. Tenant shall reimburse
                Landlord for Landlord's costs and expenses incurred for repairs
                or replacements made pursuant to this subsection 9.0(c), within
                ten (10) days after Landlord bills Tenant therefor.

        9.1    TENANT'S MAINTENANCE.

                                       9
<PAGE>

        (a)     Tenant shall keep and maintain the entire interior of the Leased
                Premises and the portion of the exterior not to be maintained by
                Landlord pursuant to Section 9.0, roof-mounted mechanical
                equipment used in connection with the Leased Premises, pipes and
                conduits below the floor of the Leased premises (if caused by
                tenant negligence), and windows on the interior and exterior of
                the Leased Premises clean and sanitary and in good condition and
                repair, including, without limitation, any necessary
                replacements (if caused by tenant negligence), and further
                including, without limitation, carpet cleaning at least once
                each year, necessary interior painting, and maintaining and
                repairing of exterior doors (if caused by tenant negligence) in
                conformity with other exterior doors of the building or
                buildings on the Real Estate. Tenant shall, to the extent
                possible, keep the Leased Premises from falling temporarily out
                of repair or deteriorating. Tenant shall fully comply with all
                health, safety and police regulations in force. Tenant shall
                promptly remove any debris left by Tenant, its employees,
                agents, contractors, or invitees in the parking area or other
                exterior areas of the Real Estate.

        (b)     At all times during the term of this Lease, Tenant shall be
                responsible for the expense of that portion of Landlord's
                maintenance contract allocable to the equipment in the Leased
                Premises, which provides for inspection at least once each
                calendar quarter of the heating, air conditioning and
                ventilating equipment, and provides for necessary repairs
                thereto. Said inspection and repairs shall encompass the
                following work:

               1. Check performance of all major components.

               2. Lubricate moving parts as required.

               3. Check refrigerant charges (during cooling season).

               4. Inspect for oil and refrigerant leaks.

               5. Check operating and safety controls.

               6. Check pressures and temperatures.

               7. Inspect condensers.

               8. Inspect fans, motors and starters.

               9. Tighten electrical connections at equipment.

               10. Test amperages and voltages.

               11. Check belts and drives.

                                       10
<PAGE>

               12. Change oil and filters, or dryers, as required.

               13. Check temperature on control system.

        9.2 ALTERATIONS. Tenant shall make all additions, improvements and
alterations (hereinafter "Alterations") on the Leased Premises, and on and to
the appurtenances and equipment thereof, required by any governmental authority
or which may be made necessary by the act or neglect of any persons, firm or
corporation, public or private. Except as provided in the immediately preceding
sentence, Tenant shall not create any openings in the roof or exterior walls, or
make any other Alterations to the Leased Premises without Landlord's prior
written consent, which consent Landlord may, in its discretion, withhold. As to
any Alterations which Tenant is required hereunder to perform or to which
Landlord consents, such work shall be performed strictly in accordance with
plans and specifications therefor first approved in writing by Landlord or, at
Landlord's option (exercised by notice in writing from Landlord to Tenant given
within ten (10) days after Landlord receives Tenant's plans and specifications),
such work shall be performed by employees of or contractors employed by
Landlord, at Tenant's expense. Upon completion of any Alterations by or on
behalf of Tenant, Tenant shall provide Landlord with such documents as Landlord
may require (including, without limitation, sworn contractors' statements and
supporting lien waivers) evidencing payment in full for such work. In the event
Tenant makes any Alterations not in compliance with the provisions of this
Section 9.2, Tenant shall, upon written notice from Landlord immediately remove
such Alterations and restore the Leased Premises to their condition immediately
prior to the making thereof. If Tenant fails so to remove such Alterations and
restore the Leased Premises as aforesaid, Landlord may, at its option, and in
addition to all other rights or remedies of Landlord under this Lease, at law or
in equity, enter the Leased Premises and perform said obligation of Tenant and
Tenant shall reimburse Landlord for the cost to the Landlord thereof,
immediately upon being billed therefor by Landlord. Such entry by Landlord shall
not be deemed an eviction or disturbance of Tenant's use or possession of the
Leased Premises nor render Landlord liable in any manner to Tenant.

                           10. LIENS AND ENCUMBRANCES

        10.0 ENCUMBERING TITLE. Tenant shall not do any act which shall in any
way encumber the title of Landlord in and to the Leased Premises or the Real
Estate, nor shall the interest or estate of Landlord in the Leased Premises or
the Real Estate be in any way subject to any claim by way of lien or
encumbrance, whether by operation of law or by virtue of any express or implied
contract by Tenant. Any claim to, or lien upon, the Leased Premises or Real
Estate arising from any act or omission of Tenant shall accrue only against the
leasehold estate of Tenant and shall be subject and subordinate to the paramount
title and fights of Landlord in and to the Leased Premises and the Real Estate.

        10.1 LIENS AND RIGHT TO CONTEST. Tenant shall not permit the Leased
Premises or the Real Estate to become subject to any mechanics', laborers' or
materialmen's lien on account of labor or material furnished to Tenant or
claimed to have been furnished to Tenant in connection with work of any
character performed or claimed to have been performed on the Leased Premises by,
or at the direction or sufferance of, Tenant; provided, however, that Tenant
shall have the right to contest in good faith and with reasonable diligence, the
validity of any such lien or

                                       11
<PAGE>

claimed lien if Tenant shall give to Landlord such security as may be deemed
satisfactory to Landlord to insure payment thereof and to prevent any sale,
foreclosure, or forfeiture of the Leased Premises or the Real Estate by reason
of non-payment thereof provided further, however, that on final determination of
the lien or claim for lien, Tenant shall immediately pay any judgment rendered,
with all proper costs and charges, and shall have the lien released and any
judgment satisfied.

                          11. ASSIGNMENT AND SUBLETTING

        11.0 CONSENT REQUIRED. Tenant shall not, without Landlord's prior
written consent, (a) assign, convey or mortgage this Lease or any interest under
it; (b) allow any transfer thereof or any lien upon Tenant's interest by
operation of law; (c) sublet the Leased Premises or any part thereof; or (d)
permit the use or occupancy of the Leased Premises or any part thereof by anyone
other than Tenant. Landlord agrees that it will not unreasonably withhold its
consent to any assignment or sublease, provided that if Tenant requests
Landlord's consent to a sublease or to an assignment of all or a substantial
portion of the entire Leased Premises, Landlord may, in lieu of granting such
consent or reasonably withholding the same, terminate this Lease, effective on
the commencement date specified in the sublease or on the effective date of said
assignment, as the case may be, to which Landlord's consent was requested. No
permitted assignment or subletting shall relieve Tenant of Tenant's covenants
and agreements hereunder and Tenant shall continue to be liable as a principal
and not as a guarantor or surety, to the same extent as though no assignment or
subletting had been made.

        11.1 MERGER OR CONSOLIDATION. Tenant may, without Landlord's consent,
assign this Lease to any corporation resulting from a merger or consolidation of
the Tenant upon the following conditions: (a) that the total assets and net
worth of such assignee after such consolidation or merger shall be equal to or
more than that of Tenant immediately prior to such consolidation or merger; (b)
that Tenant is not at such time in default hereunder; and (c) that such
successor shall execute an instrument in writing fully assuming all of the
obligations and liabilities imposed upon Tenant hereunder and deliver the same
to Landlord. If the aforesaid conditions are satisfied, Tenant shall be
discharged from any further liability hereunder.

        11.2 VOTING CONTROL OF TENANT. If Tenant is a corporation, the shares of
which, at the time of execution of this Lease or during the term hereof are or
shall be held by fewer than one hundred (100) persons, and if at any time during
the term of this Lease the persons, firms or corporations who own a majority or
controlling number of its shares at the time of the execution of this Lease or
following Landlord's consent to a transfer of such shares cease to own such
shares (except as a result of transfer by bequest or inheritance) and such
cessation shall not first have been approved in writing by Landlord, then such
cessation shall, at the option of Landlord, be deemed a default by Tenant under
this Lease.

        11.3 OTHER TRANSFER OF LEASE. Tenant shall not allow or permit any
transfer of this Lease, or any interest hereunder, by operation of law, or
convey, mortgage, pledge, or encumber this Lease or any interest herein.

                                       12
<PAGE>

                                 12. UTILITIES

        12.0 UTILITIES

        (a)     Tenant shall purchase all utility services, including but not
                limited to fuel and electricity, but excluding water and
                sewerage, from the utility or municipality providing such
                service, and shall pay for such services when such payments are
                due. If subsection 1.4(i) provides for a water and sewerage
                charge, then Tenant shall pay to Landlord within ten (10) days
                after receipt of a bill therefore, as additional rent hereunder,
                Tenant's Pro Rata Share of Landlord's payments to the utility or
                municipality for water or sewerage services. If subsection
                1.4(i) does not provide for the Water and Sewerage Charge, then
                Tenant shall purchase water and sewerage from the utility and
                municipality providing such services, and pay for such services
                when such payments are due.

        (b)     Tenant shall pay to Landlord, as additional rent for the Leased
                Premises, Tenant's Pro Rata Share of the charges, if any, for
                utilities used for areas of common use by the Tenants on the
                Real Estate. Such charges shall be paid by Tenant to Landlord
                within ten (10) days alter Landlord bills Tenant therefor, or,
                at Landlord's election, in monthly installments in amounts
                estimated by Landlord.

                            13. INDEMNITY AND WAIVER

        13.0 INDEMNITY. Tenant will protect, indemnify and save harmless
Landlord and Landlord's agents (and Landlord's beneficiary or beneficiaries and
their agents if Landlord is an Illinois Land Trustee) from and against all
liabilities, obligations, claims, damages, penalties, causes of action, costs
and expenses (including without limitation, reasonable attorneys' fees and
expenses) imposed upon or incurred by or asserted against Landlord by reason of
(a) any accident, injury to or death of persons or loss of or damage to property
occurring on or about the Leased Premises or resulting from any act or omission
of Tenant or anyone claiming by, through or under Tenant; (b) any failure on the
part of Tenant to perform or comply with any of the terms of this Lease; or (c)
performance of any labor or services or the furnishing of any materials or other
property in respect of the Leased Premises or any part thereof. If any action,
suit or proceeding is brought against Landlord and/or Landlord's agents (and/or
Landlord's beneficiary or beneficiaries or their agents if Landlord is an
Illinois Land Trustee) by reason of any such occurrence, Tenant will, at
Tenant's expense, resist and defend such action, suit or proceeding, or cause
the same to be resisted and defended by counsel approved by Landlord.

        13.1 WAIVER OF CERTAIN CLAIMS. Tenant waives all claims it may have
against Landlord and Landlord's agents (and Landlord's beneficiary or
beneficiaries and their agents if Landlord is an Illinois Land Trustee) for
damage or injury to person or property sustained by Tenant or any persons
claiming through Tenant or by any occupant of the Leased Premises, or by any
other person, resulting from any part of the Real Estate or any of its
improvements, equipment or appurtenances becoming out or repair, or resulting
from any accident on or about

                                       13
<PAGE>

the Real Estate or resulting directly or indirectly from any act or neglect of
any tenant or occupant of any part of the Real Estate or of any other person,
excluding Landlord. This Section 13.1 shall include, but not by way of
limitation, damage cause by water, snow, frost, steam, excessive heat or cold
sewage, gas, odors, or noise, or caused by bursting or leaking of pipes or
plumbing fixtures, and shall apply equally whether any such damage results from
the act or neglect of Tenant or of other tenants, or occupants or any part of
the Real Estate or of any other person, excluding Landlord, and whether such
damage be caused by or result from any thing or circumstance above mentioned or
referred to, or to any other thing or circumstance whether of a like nature or
of a wholly different nature. All personal property belonging to Tenant or any
occupant of the Leased Premises that is in or on any part of the Real Estate
shall be there at the risk of Tenant or of such other person only, and Landlord
shall not be liable for any damage. thereto or for the theft or misappropriation
thereof.

                         14. RIGHTS RESERVED TO LANDLORD

        14.0 RIGHTS RESERVED TO LANDLORD. Without limiting any other rights
reserved or available to Landlord under this Lease, at law or in equity,
Landlord, on behalf of itself and Agent reserves the following rights to be
exercised at Landlord's election:

        (a)     To change the street address of the Leased Premises;

        (b)     To inspect the Leased Premises and to make repairs, additions or
                alterations to the Leased Premises or the building of which the
                Leased Premises are a part, which Tenant may neglect or refuse
                to make in accordance with the covenants and agreements of this
                Lease, and, specifically including, but without limiting the
                generality of the foregoing, to make repairs, additions or
                alterations within the Leased Premises to mechanical,
                electrical, and other facilities serving other premises in the
                building of which the Leased Premises are a part or other parts
                of the Real Estate;

        (c)     To show the Leased Premises to prospective purchasers,
                mortgagees, or other persons having a legitimate interest in
                viewing the same, and, at any time within one (1) year prior to
                the expiration of the Lease term, to persons wishing to rent the
                Leased Premises;

        (d)     During the last year of the Lease term, to place and maintain
                the usual "For Rent" sign facing Busch Parkway;

        (e)     During the last ninety (90) days of the Lease term, if during or
                prior to that time Tenant vacates the Leased Premises, to
                decorate, remodel, repair, alter or otherwise prepare the Leased
                Premises for new occupancy, and

        (f)     To place and maintain "For Sale" signs on the Real Estate and on
                the exterior of the building of which the Leased Premises are a
                part.

                                       14
<PAGE>

Landlord may enter upon the Leased Premises for any and all of said purposes and
may exercise any and all of the foregoing fights hereby reserved, during normal
business hours unless an emergency exists, without being deemed guilty of any
eviction or disturbance of Tenant's use or possession of the Leased Premises,
and without being liable in any manner to Tenant.

                               15. QUIET ENJOYMENT

        15.0 QUIET ENJOYMENT. So long as Tenant is not in default under the
covenants and agreements of this Lease, Tenant's quiet and peaceable enjoyment
of the Leased Premises shall not be disturbed or interfered with by Landlord or
by any person claiming by, through or under Landlord.

                        16. SUBORDINATION OR SUPERIORITY

        16.0 SUBORDINATION OR SUPERIORITY. The rights and interest of Tenant
under this Lease shall be subject and subordinate to any first mortgage or trust
deed creating a first mortgage that may be placed upon the Leased Premises and
to any and all advances to be made thereunder, and to the interest thereon, and
all renewals, replacements and extensions thereof, if the mortgagee or trustee
named in said mortgages or trust deeds shall elect to subject and subordinate
the rights and interest of Tenant under this Lease to the lien of its mortgage
or deed of trust. Any mortgagee or trustee may elect to give the rights and
interest of Tenant under this Lease priority over the lien of its mortgage or
deed of trust. In the event of either such election and upon notification by
such mortgagee or trustee to Tenant to that effect, the rights and interest of
Tenant under this Lease shall be deemed to be subordinate to, or to have
priority over, as the case may be, the lien of said mortgage or trust deed,
whether this Lease is dated prior to or subsequent to the date of said mortgage
or trust deed. Tenant shall execute and deliver whatever instruments may be
required for such purposes, and in the event Tenant fails so to do within ten
(10) days after demand in writing, Tenant does hereby make, constitute and
irrevocably appoint Landlord as its attorney in fact and in its name, place, and
stead so to do.

                                  17. SURRENDER

        17.0 SURRENDER. Upon the termination of this Lease, whether by
forfeiture, lapse of time or otherwise, or upon the termination of Tenant's
right to possession of the Leased Premises, Tenant will at once surrender and
deliver up the Leased Premises, together with all improvements, thereon, to
Landlord in good condition and repair, reasonable wear and tear excepted. Said
improvements shall include all plumbing, lighting, electrical, heating, cooling
and ventilating fixtures and equipment and other articles or personal property
used in the operation of the Leased Premises (as distinguished from operations
incident to the business of Tenant), together with all duct work. All additions,
hardware, non-trade fixtures and all improvements, temporary or permanent, in or
upon the Leased Premises placed there by Tenant shall become Landlord's property
and shall remain upon the Leased Premises upon such termination of this Lease by
lapse of time or otherwise, without compensation or allowance or credit to
Tenant, unless Landlord requests their removal in writing at or before the time
of such termination of this Lease. If Landlord so requests removal of said
additions, hardware, non-trade fixtures and all

                                       15
<PAGE>

improvements and Tenant does not make such removal prior to termination of this
Lease, or within ten (10) days after such request, whichever is later, Landlord
may remove the same and deliver the same to any other place of business of
Tenant or warehouse the same, and Tenant shall pay the cost of such removal,
delivery and warehousing to Landlord on demand.

        17.1 REMOVAL OF TENANT'S PROPERTY. Upon the termination of this Lease by
lapse of time, Tenant may remove Tenant's trade fixtures and all of Tenant's
personal property and equipment other than such personal property and equipment
as are referred to in Section 17.0; provided, however, that Tenant shall repair
any injury or damage to the Leased Premises which may result from such removals.
If Tenant does not remove Tenant's furniture, machinery, trade fixtures and all
other items of personal property of every kind and description from the Leased
Premises prior to the end of the term, however ended, Landlord may, at its
option, remove the same and deliver the same to any other place of business of
Tenant or warehouse the same, and Tenant shall pay the cost of such removal
(including the repair of any injury or damage to the Leased Premises resulting
from such removal), delivery and warehousing to Landlord on demand, or Landlord
may treat such property as having been conveyed to Landlord with the Lease as a
Bill of Sale, without further payment or credit by Landlord to Tenant.

        17.2 HOLDING OVER. Any holding over by Tenant of the Leased Premises
after the expiration of this Lease shall operate and be construed to be tenancy
from month to month only, at a monthly rental of double the rate of rent payable
hereunder the Lease term. Nothing contained in this Section 17.2 shall be
construed to give Tenant the right to hold over after the expiration of this
Lease, and Landlord may exercise any and all remedies at law or in equity to
recover possession of the Leased Premises.

                                  18. REMEDIES

        18.0 DEFAULTS. Tenant further agrees that any one or more of the
following events shall be considered events of default as said term is used here
that is to say, if

        (a)     Tenant shall be adjudged an involuntary bankrupt, or a decree or
                order approving, as properly filed, a petition or answer filed
                against Tenant asking reorganization of Tenant under the Federal
                bankruptcy laws as now or hereafter amended, or under the laws
                of any State, shall be entered, and any such decree or judgment
                or order shall not have been vacated or stayed or set aside
                within sixty (60) days from the date of the entry or granting
                thereof, or

        (b)     Tenant shall file or admit the jurisdiction of the court and the
                material allegations contained in any petition in bankruptcy or
                any petition pursuant or purporting to be pursuant to the
                Federal bankruptcy laws now or hereafter amended, or Tenant
                shall institute any proceedings or shall give its consent to the
                institution of any proceedings for any relief of Tenant under
                any bankruptcy or insolvency laws or any laws relating to the
                relief of debtors, readjustment of indebtedness, reorganization,
                arrangements, composition or extension; or

                                       16
<PAGE>

        (c)    Tenant shall make any assignment for the benefit of creditors or
               shall apply for or consent to the appointment of a receiver for
               Tenant or any of the property of Tenant; or

        (d)    The Leased Premises are levied upon by any revenue officer or
               similar officer; or

        (e)    A decree or order appointing a receiver of the property of Tenant
               shall be made and such decree or order shall not have been
               vacated, stayed or set aside within sixty (60) days from the date
               of entry or granting thereof; or

        (f)    Tenant shall vacate the Leased Premises or abandon the same
               during the term hereof; or

        (g)    Tenant shall default in any payment of rent or other charge
               required to be paid by Tenant hereunder when due as herein
               provided and such default shall continue for five (5) days after
               notice thereof in writing to Tenant; or

        (h)    If Tenant shall fail to contest the validity of any lien or
               claimed lien and give security to Landlord to insure payment
               thereof, or having commenced to contest the same and having given
               such security, shall fail to prosecute such contest with
               diligence, or shall fail to have the same released and satisfy
               any judgment rendered thereon, and such default continues for
               five (5) days after notice thereof in writing to Tenant; or

        (i)    Tenant shall default in keeping, observing or performing any of
               the other covenants or agreements herein contained to be kept,
               observed and performed by Tenant, and such defaults shall
               continue to thirty (30) days after notice thereof in writing to
               Tenant; or

        (j)    Tenant shall repeatedly be late in the payment of rent or other
               charges required to be paid hereunder or shall repeatedly default
               in the keeping, observing, or performing of any other covenants
               or agreements herein contained to be kept, observed or performed
               by Tenant (provided notice of such payment or other defaults
               shall have been given to Tenant, but whether or not Tenant shall
               have timely cured any such payment or other defaults of which
               notice was given).

Upon the occurrence of any one or more of such events of default, Landlord may
terminate this Lease. Upon termination of this Lease, Landlord may re-enter the
Leased Premises with or without process of law using such force as may be
necessary, and remove all persons, fixtures and chattels therefrom, and Landlord
shall not be liable for any damages resulting therefrom. Such re-entry and
repossession shall not work a forfeiture of the rents or other charges to be
paid and covenants to be performed by Tenant during the full term of this Lease.
Upon such repossession of the Leased Premises, Landlord shall be entitled to
recover as liquidated damages and not as a penalty a sum of money equal to the
value of the rent and other sums provided herein to be paid

                                       17
<PAGE>

by Tenant to Landlord for the remainder of the Lease term, less the fair rental
value of the Leased Premises for said period. Upon the happening of any one or
more of the above-mentioned events Landlord may repossess the Leased Premises by
forcible entry or detainer suit, or otherwise, without demand or notice of any
kind to Tenant (except as hereinabove provided for) and without terminating this
Lease, in which event Landlord may but shall be under no obligation so to do,
relet all or any part of the Leased Premises for such rent and upon such terms
as shall be satisfactory to Landlord (including the right to relet the Leased
Premises for a term greater or lesser than that remaining under the Lease term,
and the right to relet the Leased Premises as a part of a larger area, and the
right to change the character or use made of the Leased Premises). For the
purpose of such reletting, Landlord may decorate or make any repairs, changes,
alterations or additions in or to the Leased Premises that may be necessary or
convenient. If Landlord does not relet the Leased Premises, Tenant shall pay to
Landlord on demand as liquidated damages and not as a penalty a sum equal to the
amount of the rent, and other sums provided herein to be paid by Tenant for the
remainder of the Lease term. If the Leased Premises are relet and sufficient sum
shall not be realized from such reletting after paying all of the expenses of
such decorations, repairs, changes, alterations, additions, reletting and the
collection of the rent accruing therefrom (including, but not by way of
limitation, attorneys fees and brokers' commissions), to satisfy the rent and
other charges herein provided to be paid for the remainder of the Lease term,
Tenant shall pay to Landlord on demand any deficiency and Tenant agrees that
Landlord may file suit to recover any sums falling due under the terms of this
Section from time to time. If default shall be made in any covenant, agreement,
condition or undertaking herein contained to be kept, observed and performed by
Tenant, other than the making of any payments as herein provided, which cannot
with due diligence be cured within a period of thirty (30) days, and if notice
thereof in writing shall have been given to Tenant, and if Tenant, prior to the
expiration of thirty (30) days from and after the giving of such notice,
commences to eliminate the cause of such default and proceeds diligently and
with reasonable dispatch to take steps and do all work required to cure such
default and does so cure such default, then Landlord shall not have the right to
declare and said term ended by reason of such default or to repossess without
terminating the Lease, provided, however, that the curing of any default in such
manner shall not be construed to limit or restrict the right of Landlord to
declare the said term ended or to repossess without terminating the Lease, and
to enforce all of its rights and remedies hereunder for any other default not so
cured.

        18.1 REMEDIES CUMULATIVE. No remedy herein or otherwise conferred upon
or reserved to Landlord shall be considered to exclude or suspend any other
remedy but the same shall be cumulative and shall be in addition to every other
remedy given hereunder, or now or hereafter existing at law or in equity or by
statute, and every power and remedy given by this Lease to Landlord may be
exercised from time to time and so often as occasion may arise or as may be
deemed expedient.

        18.2 NO WAIVER. No delay or omission of Landlord to exercise any right
or power arising from any default shall impair any such right or power or be
construed to be a waiver of any such default or any acquiescence therein. No
waiver of any breach of any of the covenants of this Lease shall be construed,
taken or held to be a waiver of any other breach or waiver, acquiescence in or
consent to any further or succeeding breach of the same covenant. The acceptance
by Landlord of any payment of rent or other charges hereunder after the
termination by Landlord of

                                       18
<PAGE>

this Lease or of Tenant's right to possession hereunder shall not, in the
absence of agreement in writing to the contrary by Landlord, be deemed to
restore this Lease or Tenant's right to possession hereunder, as the case may
be, but shall be construed as a payment on account, and not in satisfaction of
damages due from Tenant to Landlord.

        18.3 DEFAULT UNDER OTHER LEASES. A default in this Lease, or in any
other lease made by Tenant for any premises on the Real Estate shall, at the
option of the Landlord, be deemed a default under this Lease, the other lease or
both leases.

                              19. SECURITY DEPOSIT

        19.0 SECURITY DEPOSIT. To secure the faithful performance by Tenant of
all the covenants, conditions and agreements in this Lease set forth and
contained on the part of the Tenant to be fulfilled, kept, observed and
performed, including, but without limiting the generality of the foregoing, such
covenants, conditions and agreements in this Lease which become applicable upon
the expiration or termination of the same or upon termination of Tenant's right
to possession pursuant to Section 18.0 of the Lease, Tenant has deposited
herewith the Security Deposit with Agent on the understanding: (a) that the
Security Deposit or any portion thereof not previously applied, or from time to
time such other portions thereof may be applied to the curing of any default
that may then exist, without prejudice to any other remedy or remedies which the
Landlord may have on account thereof, and upon such application Tenant shall pay
Agent on demand the amount so applied which shall be added to the Security
Deposit so the same may be restored to its original amount; (b) that should the
Leased Premises be conveyed by Landlord or should Agent cease to be the agent of
the beneficiary or beneficiaries of Landlord, the Security Deposit or any
portion thereof not previously applied may be turned over to Landlord's grantee
or the new agent, as the case may be, and if the same be turned over as
aforesaid, the Tenant hereby releases Landlord and Agent from any and all
liability with respect to the Security Deposit and/or its application or return,
and the Tenant agrees to look to such grantee or agent, as the case may be, for
such application or return; (c) that Landlord shall have no personal liability
with respect to said sum and Tenant shall look exclusively to Agent or its
successors pursuant to subsection (b) hereof for return of said sum on the
expiration of this Lease; (d) that Agent or its successor shall not be obligated
to hold said Security Deposit as a separate fund, but on the contrary may
commingle the same with its other funds; (e) that if Tenant shall faithfully
fulfill, keep, perform and observe all of the covenants, conditions, and
agreements in this Lease set forth and contained on the part of the Tenant to be
fulfilled, kept, performed and observed, the sum deposited or the part or
portion thereof not previously applied shall be returned to the Tenant without
interest no later than thirty (30) days after the expiration of the term of this
Lease or any renewal or extension thereof, provided Tenant has vacated the
Leased Premises and surrendered possession thereof to the Landlord at the
expiration of said term or any extension or renewal thereof as provided herein;
(f) in the event that Landlord terminates the Lease or Tenant's right to
possession pursuant to Section 18.0 of this Lease, Agent may apply the Security
Deposit against all damages suffered to the date of such termination and/or may
retain the Security Deposit to apply against such damages as may be suffered or
shall accrue thereafter by reason of Tenant's default; and (g) in the event any
bankruptcy, insolvency, reorganization or other credit-debtor proceedings shall
be instituted by or against Tenant, or its successors or assigns, the Security
Deposit shall be

                                       19
<PAGE>

deemed to be applied first to the payment of any rents and/or other charges due
Landlord for all periods prior to the institution of such proceedings, and the
balance, if any, of the Security Deposit may be retained or paid to Landlord in
partial liquidation of Landlord's damages.

                                20. MISCELLANEOUS

        20.0 TENANT'S STATEMENT. Tenant shall furnish Landlord annually within
ninety (90) days after the end of each of Tenant's fiscal years a copy of its
annual audited and certified statement. It is mutually agreed that Landlord may
deliver a copy of such statements to its mortgagee or any prospective purchaser
of the Real Estate, but otherwise Landlord shall treat such statements and
information contained therein as confidential.

        20.1 ESTOPPEL CERTIFICATES. Tenant shall at any time and from time to
time upon not less than ten (10) days prior written request from Landlord
execute, acknowledge and deliver to Landlord, in form reasonably satisfactory to
Landlord and/or Landlord's mortgagee, a written statement certifying that Tenant
has accepted the Leased Premises, that this Lease is unmodified and in full
force and effect (or if there have been modifications, that the same is in full
force and effect as modified and stating the modifications), that the Landlord
is not in default hereunder, the date to which the rental and other charges have
been paid in advance, if any, or such other accurate certification as may
reasonably be required by Landlord or Landlord's mortgagee, and agreeing to give
copies to any mortgagee of Landlord of all notices by Tenant to Landlord. It is
intended that any such statement delivered pursuant to this Section may be
relied upon by any prospective purchaser of the Leased Premises or Real Estate,
mortgagee of the Leased Premises or Real Estate and their respective successors
and assigns.

        20.2 LANDLORD'S RIGHT TO CURE. Landlord may, but shall not be obligated
to, cure any default by Tenant specifically including, but not only by way of
limitation, Tenant's failure to pay Impositions, obtain insurance, make repairs,
or satisfy lien claims, after complying with the notice provisions established
in Article XVIII; and whenever Landlord so elects, all costs and expenses paid
by Landlord in curing such default, including without Limitation reasonable
attorneys' fees, shall be so much additional rent due on the next rent date
after such payment together with interest (except in the case of said attorneys'
fees) at the rate of eighteen percent (18%) per annum from the date of
advancement to the date of repayment by Tenant to Landlord.

        20.3 AMENDMENTS MUST BE IN WRITING. None of the covenants, terms or
conditions of this Lease, to be kept and performed by either party, shall in any
manner be altered, waived, modified, changed or abandoned except by a written
instrument, duly signed, acknowledged and delivered by the other party; and no
act or acts, omission or omissions or series of acts or omissions, or waiver,
acquiescence or forgiveness by Landlord as to any default in or failure of
performance, either in whole or in part, by Tenant, of any of the covenants,
terms and conditions to this Lease, shall be deemed or construed to be a waiver
by Landlord of the right at all times thereafter to insist upon the prompt, full
and complete performance by Tenant of each and all the covenants, terms and
conditions hereon thereafter to be performed in the same manner and to the same
extent as the same as herein covenanted to be performed by Tenant.

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<PAGE>

        20.4 NOTICES. All notices to or demands upon Landlord or Tenant desired
or required to be given under any or the provisions hereof, shall be in writing.
Any notices or demands from Landlord to Tenant shall be deemed to have been duly
and sufficiently given if a copy thereof has been mailed by United States
registered or certified mail in an envelope properly stamped and addressed to
Tenant at Tenant's Address or at such address as Tenant may theretofore have
furnished by written notice to Landlord, and any notices or demands from Tenant
to Landlord shall be deemed to have been duly and sufficiently given if mailed
by United States registered or certified mail in an envelope properly stamped
and addressed to Landlord at Landlord's Address, or at such other address as
Landlord may theretofore have furnished by written notice to Tenant. The
effective date of such notice shall be three (3) days after delivery of the same
to the United States Post Office for mailing.

        20.5 SHORT FORM LEASE. This Lease shall not be recorded, but the parties
agree, at the request of either of them, to execute a Short Form Lease for
recording, containing the name of the parties, the legal description and the
term of the Lease.

        20.6 TIME OF ESSENCE. Time is of the essence of this Lease, and all
provisions herein relating thereto shall be strictly construed.

        20.7 RELATIONSHIP OF PARTIES. Nothing contained herein shall be deemed
or construed by the parties hereto, nor by any third party, as creating the
relationship of principal and agent or of partnership, or of joint venture by
the parties hereto, it being understood and agreed that no provision contained
in this Lease nor any acts of the parties hereto shall be deemed to create any
relationship other than the relationship of Landlord and Tenant.

        20.8 CAPTIONS. The captions to this Lease are for convenience only and
are not to be construed as part of this Lease and shall not be construed as
defining or limiting in any way the scope or intent of the provisions hereof.

        20.9 SEVERABILITY. If any term or provision of this Lease shall to any
extent be held invalid or unenforceable, the remaining terms and provisions of
this Lease shall not be affected thereby, but each term and provision of this
Lease shall be valid and be enforced to the fullest extent permitted by law.

        20.10 LAW APPLICABLE. This Lease shall be construed and enforced in
accordance with the laws of the state where the Leased Premises are located.

        20.11 COVENANTS BINDING ON SUCCESSORS. All of the covenants, agreements,
conditions and undertakings contained in the Lease shall extend, inure to and be
binding upon the heirs, executors, administrators, successors and assigns or the
respective parties hereto, the same as if they were in every case specifically
named, and wherever in this Lease reference is made to either of the parties
hereto, it shall be held to include and apply to, wherever applicable, the
heirs, executors, administrators, successors and assigns of such party. Nothing
herein contained shall be construed to grant or confer upon any person or
persons, firm, corporation or governmental authority, other than the parties
hereto, their heirs, executors, administrators, successors and

                                       21
<PAGE>

assigns, any right, claim or privilege by virtue of any covenant, agreement,
condition or undertaking in this Lease contained.

        20.12 BROKERAGE. Tenant warrants that it has had no dealings with any
broker or agent in connection with this Lease other than Brokers listed in
Section 1.4(m), whose commissions Landlord covenants and agrees to pay in the
amount agreed between Landlord and Brokers. Tenant covenants to pay, hold
harmless and indemnify Landlord from and against any and all cost, expense or
liability for any compensation, commissions and charges claimed by any other
broker or other agent with respect to this Lease or the negotiation thereof.

        20.13 LANDLORD MEANS OWNER. The term "Landlord" as used in this Lease,
so far as covenants or obligations on the part of Landlord are concerned, shall
be limited to and include only the owner or owners at the time in question of
the fee of the Real Estate, and in the event of any transfer or transfers of the
title to such fee, Landlord herein named (and in case of any subsequent transfer
or conveyances, the then grantor) shall be automatically freed and relieved,
from and after the date of such transfer or conveyance, of all liability as
respects the performance of any covenants or obligations on the part of Landlord
contained in this Lease thereafter to be performed; provided that any funds in
the hands of such Landlord or the then grantor at the time of such transfer, in
which Tenant has an interest, shall be turned over to the grantee, and any
amount then due and payable to Tenant by Landlord or the then grantor under any
provision of this Lease, shall be paid to Tenant.

        20.I4 LENDER'S REQUIREMENTS. If any mortgagee or committed financer of
Landlord should require, as a condition precedent to the closing of any loan or
the disbursal of any money under any loan, that this Lease be amended or
supplemented in a manner (other than in the description of the Leased Premises,
the term, the purpose or the rent or other charges hereunder) Landlord shall
give written notice thereof to Tenant, which notice shall be accompanied by a
Lease Supplement Agreement embodying such amendments and supplements. Tenant
shall, within ten (10) days after the effective date of Landlord's notice,
either consent to such amendments and supplements (which consent shall not be
unreasonably withheld) and execute the tendered Lease Supplement Agreement, or
deliver to Landlord a written statement of its reason or reasons for refusing to
so consent and execute. Failure of Tenant to respond within said ten (10) day
period shall be a default under this Lease, without further notice. If Landlord
and Tenant are then unable to agree on a Lease Supplement Agreement satisfactory
to each of them and to the Lender within thirty (30) days after delivery of
Tenant's written statement, Landlord shall have the right to terminate this
Lease within sixty (60) days after the end of said thirty (30) day period.

        20.15 SIGNS. Tenant shall install no exterior sign on the Leased
Premises or the Real Estate. If Tenant desires to have an identity sign included
on the general directory sign for the Building, Tenant shall advise Landlord of
the name and logo it desires to hare on its sign, and Landlord shall install a
sign showing such name and logo, which shall be the standard sign used by
Landlord for tenants on the Real Estate. Tenant shall reimburse Landlord for
Landlord's costs of producing and installing said sign within ten (10) days
after being billed therefor by Landlord.

        20.16 PARKING AREAS. Landlord reserves the right to restrict Tenant's
right to park in spaces in front of 1405 Busch Parkway until such time as 1405
Busch Parkway is occupied by a

                                       22
<PAGE>

tenant. Landlord anticipates that it will need to identify a minimum of eighteen
(18) spaces to be restricted until such time as 1405 Busch parkway is occupied.
Landlord reserves the right, upon occupancy of 1405 Busch Parkway to designate
twenty-four (24) reserved stalls on the west side of the Real Estate
specifically for the use by the tenant of 1405 Busch Parkway. Except as provided
above, it is understood by and between the parties hereto that parking on the
Real Estate is allocated to the tenants thereof on an unreserved basis, and
Tenant, its employees and invitees may use not more than the Number of Parking
Spaces thereon. Landlord shall have no obligation to Tenant to enforce parking
limitations imposed on other tenants on the Real Estate. If Tenant uses parking
in excess of that provided for herein or utilizes restricted parking, and if
such use occurs on a regular or repeated basis, and if Tenant fails, after
written notice from Landlord, to reduce its excess use of the parking areas,
than such use shall constitute a default under this Lease.

        20.17 LANDLORD'S EXPENSES. Tenant agrees to pay on demand Landlord's
expenses, including reasonable attorney's fees, expenses and administrative
hearing and court costs incurred either directly or indirectly in enforcing any
obligation of Tenant under this Lease, in curing any default by Tenant as
provided in Section 20.2, in connection with appearing, defending or otherwise
participating in any action or proceeding arising from the filing, imposition,
contesting, discharging or satisfaction of any lien or claim for lien, in
defending or otherwise participating in any legal proceedings initiated by or on
behalf of Tenant wherein Landlord is not adjudicated to be in default under this
Lease, or in connection with any investigation or review of any conditions or
documents in the event Tenant requests Landlord's approval or consent to any
action of Tenant which may be desired by Tenant or required of Tenant hereunder.

        20.18 EXECUTION OF LEASE BY LANDLORD. The submission of this document
for examination and negotiation does not constitute an offer to lease, or a
reservation of, or option for, the Leased Premises and this document shall
become effective and binding only upon the execution and delivery hereof by
Landlord and by Tenant All negotiations, considerations, representations and
understandings between Landlord and Tenant are incorporated herein.

        20.19 DECLARATION OF PROTECTIVE COVENANTS. Tenant acknowledges that the
Leased Premises are subject to the Declaration of Protective Covenants For The
Corporate Grove, Buffalo Grove, Illinois dated November 8, 1984, and recorded
November 9, 1984, as Document No. 2321627 in the Lake County Recorder's Office
and the Amendments to Declaration of Protective Covenants For The Corporate
Grove, Buffalo Grove, Illinois recorded as Document No. 2340915 and 2589055 in
the Lake County Recorder's Office. (Said Declaration as so amended and as it may
be further amended from time to time is herein referred to as the "Declaration
of Protective Covenants".) Tenant covenants and agrees to maintain the Leased
Premises in accordance with the Declaration of Protective Covenants. All amounts
imposed on the Owner of the Leased Premises by said Declaration of Protective
Covenants, including without limitation payment of any costs of maintenance
allocable to the Leased Premises pursuant to Section V.F and VI.C of said
Declaration of Protective Covenants shall be deemed Impositions. Nothing herein
shall give Tenant any voting rights in the Association to be created pursuant to
Section V.A of the Declaration of Protective Covenants.

                                       23
<PAGE>

                              21. OPTION TO EXTEND

        21.0 OPTION TO EXTEND.

        (a)    If Tenant is not then in default hereunder and has not assigned
               nor subleased any portion of the Leased Premises, then Tenant
               shall have the option to renew the term of the Lease for an
               additional one (1) one year period commencing on May 1, 2003 and
               ending on April 30, 2004 (the "Extended Term") upon all of the
               terms, covenants and conditions contained in the Lease, except as
               set forth in Sub-section (b) below, by giving written notice of
               said extension to Landlord not later than November 1, 2002, time
               being of the essence.

        (b)    If Tenant exercises its option to extend the term of the Lease
               for the Leased Premises for the Extended Term, then, during the
               Extended Term, the Annual Rent and Monthly Installments shall be
               as follows:

               Period                Annual Rent       Monthly Installments
               ------                -----------       --------------------

               05/01/03- 4/30/04     $101,439.60             $8,453.30

               and tenant shall have no further right to renew the Term. If
               tenant fails to timely exercise its option to extend the term,
               then this Lease shall expire by its then current terms.

                           22. LIMITATION OF LIABILITY

        22.0 LIMITATION OF LIABILITY. The liability of Landlord for Landlord's
obligations under the Lease shall be limited to Landlord's interest in the Real
Estate and Tenant shall not look to any other property or assets of Landlord or
the property or assets of any partner, shareholder, manager, director, officer,
principal, employee, or agent, directly and indirectly, of Landlord
(collectively, the "Parties") in seeking either to enforce Landlord's
obligations under the Lease or to satisfy a judgment for Landlord's failure to
perform such obligations; and none of the Parties shall be personally liable for
the performance of Landlord's obligations under the Lease.

                                       24
<PAGE>

        IN WITNESS WHEREOF, Landlord and Tenant have executed this Lease this
day and year first above written

TENANT:                                  LANDLORD:

INFINET SOLUTIONS                        CGA INVESTMENT COMPANY L.L.C.

By:/S/ Harvey Gannon                     By: /S/ Robert G. Lamphere
  ------------------------------            ----------------------------------
Name: Harvey Gannon                      Name: Robert G. Lamphere

Its:  President                          Its: General Partner of Lamphere Rental
                                         Sub Partnership, Member of CGA
                                         Investment Company L.L.C.

                                       25

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