Document:

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                                                                   Exhibit 10.71

                      MAIL.COM INVESTORS' RIGHTS AGREEMENT

      MAIL.COM INVESTORS' RIGHTS AGREEMENT, dated as of the 16th day of March
2000, between Mail.com, Inc., a Delaware corporation (the "Company"), and STD,
Inc., d/b/a Software Tool & Die, a Massachusetts corporation (the "Investor").
The Company and the Investor are collectively referred to as the "Parties."

      WHEREAS, concurrently with the execution and delivery hereof, the Company
has issued shares of its Class A common stock, par value $.01 per share (the
"Shares"), to the Investor pursuant to the Common Stock Purchase Agreement
between the Parties dated as of the date hereof (the "Purchase Agreement"); and

      WHEREAS, in order to induce the Investor to take delivery of the Shares,
the Investor and the Company agree that this Agreement shall govern the rights
of the Investor and the Company with respect to the subject matter set forth
herein and in connection with the terms and provisions as set forth herein;

      NOW, THEREFORE, in consideration of the promises and mutual agreements
hereinafter contained, the Parties do hereby agree as follows:

                                    ARTICLE I

                              DEFINITIONS AND TERMS

      Section 1.1 Definitions. The following terms, as used herein, shall have
the following meanings:

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

      "Affiliate" means, with respect to any Person, any Person directly or
indirectly controlling, controlled by, or under common control with such Person.

      "Agreement" means this Agreement, as the same may be amended or
supplemented from time to time in accordance with the terms hereof.

      "Class A Common Stock" means the shares of Class A Common Stock, par value
$.01 per share, that the Company is authorized to issue by way of the Company's
Amended and Restated Certificate of Incorporation, and amendments thereto.

      "Company" shall have the meaning set forth in the preface above.

      "Company Stock" means any shares of any class of authorized capital stock
in the Company.

      "Demand Registration" has the meaning set forth in Section 2.1.3. of this
Agreement.

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      "Holder" shall mean any Investor who holds the Registrable Securities, and
any holder of Registrable Securities to whom the registration rights conferred
by this Agreement have been transferred in compliance with Section 3.1 hereof.

      "Incidental Registration" has the meaning set forth in Section 2.1.1. of
this Agreement.

      "Indemnified Party" and "Indemnifying Party" has the meaning set forth in
Section 2.6. of this Agreement.

      "Investor" has the meaning set forth in the preface above.

      "Party" has the meaning set forth in the preface above.

      "Person" means an individual, a partnership, a limited liability company,
a corporation, an association, a joint stock company, a trust, a joint venture,
an unincorporated organization or a governmental entity (or any department,
agency or political subdivision thereof).

      "Registrable Securities" means (i) the Shares, (ii) any Class A Common
Stock of the Company issued as (or issuable upon the conversion or exercise of
any warrant, right or other security that is issued as) a dividend or other
distribution with respect to, or in exchange for or in replacement of the
securities referenced in clauses (i) and (ii), and (iii) any other shares of
capital stock of the Company into or for which the securities referenced in
clauses (i) and (ii) may be converted into or exchanged pursuant to a
recapitalization or reclassification of the Company's capital stock; provided,
however, that Registrable Securities shall not include any shares of stock that
(x) have been registered pursuant to the Securities Act, (y) are eligible for
public resale under Rule 144 under the Securities Act or (z) are otherwise
exempt from registration under the Securities Act.

      "SEC" means the Securities and Exchange Commission.

      "Shares" has the meaning set forth in the preface above.

      Section 1.2 Other Terms. Other terms may be defined elsewhere in the text
of this Agreement and, unless otherwise indicated, shall have such meaning
throughout this Agreement.

      Section 1.3 Other Definitional Provisions. The words "herein," "hereof,"
"hereto" and "hereunder" and words of similar import, when used in this
Agreement, shall refer to this Agreement as a whole and not to any particular
provision of this Agreement. The terms defined in the singular shall have a
comparable meaning when used in the plural, and vice versa, and in such gender,
as the sense and circumstances require.

                                   ARTICLE II

                               REGISTRATION RIGHTS

      The Company and the Investor covenant and agree as follows:

      Section 2.1 Registration

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            2.1.1. Incidental Registration. If at any time prior to the
effectiveness of the registration statement on Form S-3 referred to in Section
2.1.3., the Company proposes to register any Company Stock under the Act for its
own account or for the account of any of its stockholders, in connection with an
underwritten public offering (or, prior to July 1, 2000, any public offering) of
such Company Stock, on a form that would also permit registration of the
Registrable Securities (other than a registration (i) on Form S-8 or any form
that does not include substantially the same information as would be required to
be included in a registration statement covering the sale of the Registrable
Securities, or (ii) with respect to an employee benefit plan, or (iii) solely in
connection with an SEC Rule 145 transaction), the Company shall, each such time,
give the Investor not less than twenty (20) days written notice of such proposed
registration (the "Incidental Registration"). Upon the written request of a
Holder , given within twenty (20) days after receipt of any such notice from the
Company, the Company shall, subject to Section 2.1.2., cause to be included in
such registration all of the Registrable Securities such Holder requests be
registered in such registration. There shall be no restriction with respect to
the number of times the Holders may request such Incidental Registration.

            2.1.2. Pro Rata Incidental Registration of Company Stock. If the
managing underwriter, if there be any, of any offering described in the first
sentence of Section 2.1.1. determines that the number of shares proposed to be
sold by the Company or by other stockholders of Company Stock is greater than
the number of shares that the underwriter believes feasible to sell at the time,
at the price and upon the terms approved by the Company, then the number of
shares of Company Stock that the underwriter believes may be sold shall be
allocated for inclusion in the registration statement in the following order of
priority: (A) Company Stock sold for the account of any holders of the Company's
securities if the registration was initiated by such holders pursuant to
contractual demand registration rights and Company Stock sold for the account of
Lycos, Inc. ("Lycos"), pursuant to contractual incidental registration rights
that permit it to participate in such an offering on a pro rata basis with such
holders, pro rata among such holders and Lycos according to the number of shares
requested to be registered by such holders and Lycos; (B) Company Stock sold for
the account of the Company; and (C) pro rata among any other holders of
securities of the Company exercising contractual incidental registration rights
(other than holders described in clause (A) above if pursuant to a demand right
and other than Lycos as described in clause (A) above) and the Holders according
to the number of shares requested to be registered by such other holders and the
Holder. If a Holder disapproves of the terms of the underwriting, it may elect
to withdraw therefrom by written notice to the Company and the managing
underwriter; provided, however, the election to withdraw occurs within two (2)
days after the Holder receives notice of the expected terms of the underwriting.

            2.1.3. Form S-3 Demand Registration. If at any time on or after July
1, 2000, Holders as to the majority of the number of the Registrable Securities
request that the Company effect a Form S-3 registration under the Act of all or
a portion of the Registrable Securities, the Company shall, use its best efforts
to effect and consummate as soon as practicable the Form S-3 registration of the
Registrable Securities under the Act, or such portion thereof, and of all other
stock or securities which the Company has been requested to register by any
other holder of the Company's securities that is entitled to include securities
in such registration (the "Demand Registration"); provided, however, (1) the
Company may delay the filing of a registration statement under the Act as
required by this Section 2.1.3. and may notify the Investor to not

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make any offers or sales pursuant to such registration statement or any
prospectus contained therein, for as short a period as is practicable and in no
event exceeding sixty (60) days after the request of the Investor if the Board
of Directors of the Company determines in good faith that such Demand
Registration would be seriously detrimental to the interests of the Company, and
concludes that it is, therefore essential to defer the filing of such
registration statement; provided, however, that the Company may not exercise
this right more than twice in any twelve (12) month period and provided,
further, that the Company shall use reasonable commercial efforts to cause the
filing as soon as may be reasonably practicable; and (2) the Company will not be
required to effect a Demand Registration within six (6) months after the
effective date of a registration in which the Investor was given registration
rights pursuant to Section 2.1.1.

      Section 2.2 Obligations of the Company. In the case of each registration
effected by the Company pursuant to Section 2.1, the Company will keep each
Holder advised in writing as to the initiation of each such registration, and
the completion thereof. At its expense, the Company will use its best efforts
to:

            2.2.1. Prepare and file with the SEC a registration statement with
respect to such Registrable Securities and use its best efforts to cause such
registration statement to become effective and keep such registration statement
effective until the time when all Registrable Securities are eligible for sale
pursuant to Rule 144(k) under the Securities Act;

            2.2.2. Prepare and file with the SEC such amendments and supplements
to such registration statement and the prospectus used in connection therewith
as may be necessary to comply with the provisions of the Act with respect to the
disposition of all securities covered by such registration statement;

            2.2.3. Furnish to the Investor such numbers of copies of such
registration statement and prospectus, including any preliminary prospectus, in
conformity with the requirements of the Act, and such other documents as the
Investor may reasonably request in order to facilitate the disposition of the
Registrable Securities;

            2.2.4. Notify each seller of Registrable Securities covered by such
registration statement at any time when a prospectus relating thereto is
required to be delivered under the Securities Act of the happening of any event
as a result of which the prospectus included in such registration statement, as
then in effect, includes an untrue statement of material fact or omits to state
a material fact required to be stated therein or necessary to make the
statements therein not misleading or incomplete in light of the circumstances
then existing, and at the request of any such seller, prepare and furnish to
such seller a reasonable number of copies of a supplement to or an amendment of
such prospectus as may be necessary so that, as thereafter delivered to the
purchasers of such shares, such prospectus shall not include an untrue statement
of material fact or omit to state a material fact required to be stated therein
or necessary to make the statements therein not misleading or incomplete in
light of the circumstances then existing;

            2.2.5. Provide a transfer agent and registrar for all Registrable
Securities registered pursuant to such registration statement and a CUSIP number
for all Registrable Securities, in each case no later than the effective date of
such registration;

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            2.2.6. Use its best efforts to register and qualify the securities
covered by such registration statement under such other securities or blue sky
laws of such jurisdictions as shall be reasonably appropriate for the
distribution of the securities covered by the registration statement; and

            2.2.7. Otherwise comply with all applicable rules and regulations of
the SEC.

      Section 2.3 Furnish Information. It shall be a condition precedent to the
obligations of the Company to take any action pursuant to Section 2 that the
Investor shall furnish to the Company such information regarding the Investor,
the Registrable Securities held by the Investor and the intended method of
disposition thereof as the Company or its appointed agents shall reasonably
request and as shall be required in connection with the action to be taken by
the Company.

      Section 2.4 Registration Expenses. In the case of any registration
effected pursuant to Section 2, the Company shall bear all registration and
qualification fees and expenses, and all costs and disbursements of counsel for
the Company and the reasonable fees and costs of one counsel to the
participating Investors (not to exceed $5,000 unless the registration statement
is subject to a full SEC review that raises substantial issues regarding the
Investors) and (unless the average sales price of such Registrable Securities
equals or exceeds $16 per share) all underwriting discounts and commissions with
respect to the Registrable Securities sold by such Person; provided, however,
that the Company shall not be required to pay for any expenses of any Demand
Registration begun if the registration request is subsequently withdrawn at the
request of the Investor (in which case the Investor shall bear such expenses).

      Section 2.5 Use of Prospectus. The Investor agrees that if the Company
notifies the Investor of the happening of any event as a result of which the
prospectus included in such registration statement contains an untrue statement
of a material fact or omits any fact necessary to make the statements therein
not misleading, the Investor will discontinue immediately its disposition of
securities pursuant to the registration statement until the Investor receives
copies of an amended or supplemented prospectus, and if so directed by the
Company, will deliver to the Company all copies then in Investor's possession of
the prospectus relating to such Registrable Securities current at the time of
receipt of such notice.

      Section 2.6 Indemnification. If any Registrable Securities are included in
a registration statement pursuant to this Section 2, then,

            2.6.1. To the extent permitted by law, the Company shall indemnify
and hold harmless the Investor, agents for the Investor, any underwriter for the
Investor, and each Person, if any, who controls such Person within the meaning
of the Act, against any losses, claims, damages or liabilities, joint or
several, to which they may become subject under the Act or otherwise, insofar as
such losses, claims, damages or liabilities arise out of any untrue statement or
alleged untrue statement of material fact contained in such registration
statement, including any preliminary prospectus or final prospectus contained in
the registration statement, or any amendments or supplements to the registration
statement, or arise out of or are based upon the omission or alleged omission to
state therein a material fact required to be stated therein, or necessary to
make the statements therein not misleading, and will reimburse the Investor, the

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agents for the Investor, such underwriter, or controlling Person for any legal
or other expenses reasonably incurred by them in connection with investigating
or defending any such loss, claim, damage, liability or action; provided,
however, that the Company shall not be liable in any such case to the extent
that any such loss, claim, damage or liability arises out of or is based upon
any untrue statement or omission based upon and in conformity with information
furnished to the Company by the Investor or underwriter.

            2.6.2. To the extent permitted by law, the Investor shall indemnify
and hold harmless the Company, each of its directors, each of its officers who
have signed such registration statement, and any underwriter for the Company
against any losses, claims, damages or liabilities to which the Company or any
such director, officer or underwriter may become subject, under the Act or
otherwise, insofar as such losses, claims, damages or liabilities arise out of
or are based upon any untrue or alleged untrue statement of any material fact
contained in such registration statement, including any preliminary prospectus
or final prospectus contained in the registration statement or any amendments or
supplements to the registration statement, or arise out of or are based upon the
omission or alleged omission to state therein a material fact required to be
stated therein or necessary to make the statement therein not misleading, in
each case to the extent, but only to the extent, that such untrue statement or
alleged untrue statement or omission or alleged omission was made in such
registration statement, preliminary prospectus, or amendments or supplement
thereto, in reliance upon and in conformity with information furnished by the
Investor, and the Investor will reimburse any legal or other expenses reasonably
incurred by the Company or any such director, officer, controlling Person or
underwriter in connection with investigating or defending any such loss, claim,
damage, liability or action; provided, that the Investor's liability under this
Section 2.6.2. shall not exceed the amount of the gross proceeds of the offering
of the Investor's Registrable Securities included therein.

            2.6.3. Each party entitled to indemnification (the "Indemnified
Party") shall give notice to the party required to provide indemnification
("Indemnifying Party") promptly after such Indemnified Party has knowledge of
any claim as to which indemnity may be sought, and shall permit the Indemnifying
Party (at its expense) to assume the defense of any such claim or any litigation
resulting therefrom; provided, however, that counsel for the Indemnifying Party,
who shall conduct the defense of such claim or litigation, shall be reasonably
satisfactory to the Indemnified Party, and the Indemnified Party may participate
in such defense at such party's expense; provided, further, that the failure by
any Indemnified Party to give notice as provided herein shall not relieve the
Indemnifying Party of its obligations under this Section 2.6., except to the
extent that the failure results in an omission of actual notice to the
Indemnifying Party and such Indemnifying Party is damaged as a result of the
failure to give notice; provided, further, that a refusal to permit the
Indemnifying Party to conduct such defenses by such counsel shall relieve such
Indemnifying Party of its obligations under this Section 2.6. No Indemnifying
Party, in the defense of any such claim or litigation, shall, except with the
consent of each Indemnified Party, consent to the entry of any judgment or enter
into any settlement that does not include as an unconditional term the giving by
the claimant or plaintiff to such Indemnified Party of a release from all
liability with respect to such claim or litigation.

            2.6.4. Each Indemnifying Party also agrees to make such provisions
as are reasonably requested by any Indemnified Party and permitted by law, for
contribution to such Indemnified Party in the event the Indemnifying Party's
indemnification is unavailable for any

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reason, such that such provisions provide the same obligations and benefits to
the Indemnified Party as those which would have been applicable had the
indemnification provisions in Sections 2.6.1. and 2.6.2. been available taking
into account all of the limitations set forth in Sections 2.6.1 and 2.6.2.

      Section 2.7 Reports Under the Securities Exchange Act of 1934. With a view
toward making available to the Investor the benefits of SEC Rule 144 promulgated
under the Act and any other rule or regulation of the SEC that may at any time
permit the Investor to sell its Registrable Securities to the public without
registration or pursuant to a registration on Form S-3, the Company agrees to:

            (i) make and keep public information available, as those terms are
understood and defined in SEC Rule 144, at all times until the Registrable
Securities may be transferred without registration or restriction under the Act;

            (ii) take such action as is necessary to enable the Holders to
utilize Form S-3 for the sale of their shares;

            (iii) file with the SEC in a timely manner all reports and other
documents required of the Company under the Act and the Securities Exchange Act
of 1934; and

            (iv) furnish to any Holder, so long as the Holder owns any
Registrable Securities, forthwith upon request (i) a written statement by the
Company as to its compliance with the reporting requirements of Rule 144, the
Act and the Securities Exchange Act of 1934, or as to its qualification that it
qualifies as a registrant whose shares may be resold pursuant to Form S-3 (at
any time after it so qualifies), (ii) a copy of the most recent annual or
quarterly report of the Company and such other reports and documents so filed by
the Company, and (iii) such other information as may be reasonably requested in
availing any Holder of any rule or regulation of the SEC which permits the
selling of any such Registrable Securities without registration or pursuant to
such form.

            (v) Promptly reissue unlegended certificates at the request of any
Holder if the Holder shall have obtained an opinion of counsel to the effect
that the securities proposed to be disposed of may lawfully be so disposed
without registration, qualification or legend.

      Section 2.8 Transfer of Registration Rights. The registration rights of
the Investor under this Section 2 may be assigned and transferred (i) by the
Investor to any Affiliate of the Investor to whom any of the shares owned by the
Investor are transferred, and (ii) by the Investor to any transferee who
acquires a majority of the Registrable Securities (adjusted to reflect
subsequent stock splits, combinations, stock dividends and recapitalizations);
provided, however, that the Company is given written notice by the Investor at
the time of such assignment and transfer stating the name and address of the
transferee and identifying the securities with respect to which the rights under
this Section 2 are being assigned and transferred. For the purposes of this
Section 2.8 , a change in control of an Affiliate of the Investor holding shares
entitling such Affiliate to the registration rights hereunder, such that such
Affiliate is subsequent to such change of control no longer an Affiliate of the
Investor, shall be deemed an attempted transfer of the registration rights
hereunder and such former Affiliate of the Investor shall not be entitled to

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such registration rights except to the extent such transfer would be permitted
under clause (ii) above.

                                   ARTICLE III

                                  MISCELLANEOUS

      Section 3.1 Successors and Assigns. Except as otherwise provided herein,
the terms and conditions of this Agreement shall inure to the benefit of and be
binding upon the respective successors and assigns of the Parties (including
permitted transferees of any shares of Registrable Securities). Without limiting
any other rights of transfer herein (including Section 2.8 ), the Investor may
transfer, assign and convey its shares of capital stock of the Company and its
rights and obligations thereunder to an Affiliate of the Investor, and such
Affiliate shall be deemed to be an "Investor" for purposes of construction of
this Agreement. Nothing in this Agreement is intended to confer upon any party
other than the parties hereto or their respective successors and assigns any
rights, remedies, obligations or liability under or by reason of this Agreement,
except as expressly provided in this Agreement.

      Section 3.2 Notices. All notices and other communications under this
Agreement shall (a) be in writing (which shall include communications by
telecopy), (b) be (i) sent by registered or certified mail, postage prepaid,
return receipt requested, (ii) sent by telecopier, or (iii) delivered by hand,
(c) be given at the following respective addresses and telecopier numbers and to
the attention of the following persons:

            (i)   If to the Company, to it at:

                  Mail.com, Inc.
                  11 Broadway, Suite 660
                  New York, NY 10007
                  Attention: Gerald Gorman, Chairman and Chief Executive Officer

                  Telephone No.: (212) 425-4200
                  Telecopier No.: (212) 425-3487

                  with a copy at the same address to:

                  David W. Ambrosia, Esq.

                  and to:

                  Winthrop, Stimson, Putnam & Roberts
                  One Battery Park Plaza
                  New York, NY 10004
                  Attention:  Ronald A. Fleming, Jr.

                  Telephone No.: (212) 858-1143
                  Telecopier No.: (212) 858-1500

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            (ii)  If to the Investor, to it at:

                  STD, Inc. d/b/a Software Tool & Die
                  1330 Beacon Street
                  Brookline, MA 02146

                  Attention: Barry Z. Shein, President

                  Telephone No.:  (617) 739-0202
                  Telecopier No.:  (617) 739-0914

                  with a copy to (which copy shall not constitute notice):

                  Shapiro, Israel & Weiner, P.C.
                  100 North Washington Street
                  Boston, MA 02114
                  Attention: Barry M. Dicker
                  Telephone No.: (617) 742-4200
                  Telecopier No.: (617) 742-2355

                  and a copy to (which copy shall not constitute notice):

                  Sullivan & Worcester, LLP
                  One Post Office Square
                  Boston, MA 02109
                  Attention:  Carol Wolff
                  Telephone No.: (617) 338-2877
                  Telecopier No.: (617) 338-2880

or at such other address or telecopier number or to the attention of such other
person as the party to whom such information pertains may hereafter specify for
the purpose in a notice to the other, and (d) be effective or deemed delivered
or furnished (i) if given by mail, on the fifth business day after such
communication is deposited in the mail, addressed as above provided, (ii) if
given by telecopier, when such communication is transmitted to the appropriate
number determined as above provided in this Section 3.2 and the appropriate
answer back is received or receipt is otherwise acknowledged, and (iii) if given
by hand delivery, when left at the address of the addressee addressed as above
provided. The foregoing addresses may be changed by notices given in the manner
set forth in this section.

      Section 3.3 Governing Law; Forum and Consent to Jurisdiction.

            (a) Governing Law. This Agreement shall be construed and enforced in
accordance with, and governed by, the laws of the Commonwealth of New York
without giving effect to the principles of the conflict of laws thereof.

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            (b) Forum and Consent to Jurisdiction. Each party hereto submits to
the nonexclusive jurisdiction of the courts of the State of New York and the
federal courts of the United States of America located in such state solely in
respect of the interpretation and enforcement of the provisions of this
Agreement, and the other instruments, agreements and documents to be delivered
pursuant hereto, and hereby waives, and agrees not to assert, as a defense in
any action, suit or proceeding for the interpretation or enforcement of this
Agreement or any of such instruments, agreements and documents, that it is not
subject thereto or that such action, suit or proceeding may not be brought or is
not maintainable in said courts or that this Agreement or any of such other
instruments, agreements and documents may not be enforced in or by said courts
or that its property is exempt or immune from execution, that the suit, action
or proceeding is brought in an inconvenient forum, or that the venue of the
suit, action or proceeding is improper.

      Section 3.4 Waivers; Amendments. The waiver by the undersigned of any of
the provisions of this Agreement shall not operate or be construed as a waiver
of any subsequent breach. This Agreement may be amended, and any provision of
this Agreement may be waived, only by a written amendment executed by (i) the
Company and (ii) in the case of any amendment affecting the rights or
obligations of the Investor, the Investor. Notwithstanding the foregoing, the
Company will provide the Investor with written notice and sufficient
information, sufficiently far in advance of a date a decision is required, to
enable the Investor to make an informed and considered decision with respect to
any proposed amendment, waiver or consent in respect of any of the provisions
hereof. The Company will not, directly or indirectly, pay or cause to be paid
any remuneration, whether by way of supplemental or additional interest, fee or
otherwise, to any holder of capital stock of the Company as consideration for or
as an inducement to the entering into by any such holder of any waiver or
amendment to any of the terms and provisions of this Agreement, unless prior to
the payment of any remuneration to any holder of capital stock of the Company,
the Investor shall, ratably, have been offered the opportunity to provide any
such waiver or amendment upon the same financial terms and conditions (including
but not limited to the time specified by which a consent to such waiver or
amendment must be given) as any holder of capital stock who has consented to the
waiver or amendment of any of the terms of this Agreement. No waiver or
amendment of the provisions in the preceding sentence shall be effective with
respect to the Investor unless consented to in writing by the Investor.

      Section 3.5 Headings. The section headings contained in this Agreement are
for reference purposes only and shall not affect the construction and
interpretation of this Agreement

      Section 3.6 Severability. The invalidity of all or any part of any section
of this Agreement shall not render invalid the remainder of such section. If any
provision of this Agreement is so broad as to be unenforceable, such provision
shall be interpreted to be only so broad as is enforceable.

      Section 3.7 Counterparts. This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original but all of which shall
constitute one and the same instrument. This Agreement may contain more than one
counterpart of the signature page and may be executed by the affixing of the
signatures of each of the Parties to one of these counterpart signature pages.
All of the counterpart signature pages shall be read as though one,

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and they shall have the same force and effect as though all of the signers had
signed a single signature page.

      Section 3.8 Aggregation of Stock. All shares of Registrable Securities
held or acquired by affiliated entities or persons shall be aggregated together
for the purpose of determining the availability of any rights under this
Agreement.

      Section 3.9 Construction. The Parties have participated jointly in the
negotiation and drafting of this Agreement. In the event an ambiguity or
question of intent or interpretation arises, this Agreement shall be construed
as if drafted jointly by the Parties and no presumption or burden of proof shall
arise favoring or disfavoring any Party by virtue of the authorship of any of
the provisions of this Agreement.

      Section 3.10 Entire Agreement. This Agreement, the Purchase Agreement of
this same date, and the other Transaction Agreements as defined therein contains
the entire agreement of the Parties. The Parties are not bound by any oral
statements that are made outside of this Agreement.

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      WHEREAS, the Parties have executed this Mail.com Investors' Rights
Agreement as of the date first above written:

MAIL.COM, INC.

/s/ Gary Millin
----------------------------------------
By:  Gary Millin
Title:  President

STD, Inc. d/b/a Software Tool & Die

/s/ Barry Z. Shein
-----------------------------------------
By: Barry Z. Shein
Title: President

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10(a) Lease Agreement, dated February 21, 2000, between the Company and Axial
      Properties North Partnership.

                             AXIAL PROPERTIES NORTH
                    a Partnership of the State of New Jersey
                               having an office at
                              14A Crossroads Center
                              915 County Route 517
                             Hackettstown, NJ 07840
                     (hereinafter referred to as "Landlord')

                                       and

                             Skylands Community Bank
                           B-24 - 26 Crossroads Center
                                  915 Route 517
                             Hackettstown, NJ 07840
                      (herinafter referred to as "Tenant")

                                   WITNESSETH:

            The parties hereto, in consideration of the covenants and conditions
herein contained, agree as follows on this 2 1st day of February, in the year
2000.

            Landlord is owner of a tract of land (the "Tract) located in the
Township of Independence, Count of Warren, State of New Jersey, upon which there
is constructed various commercial buildings and accessory improvements as part
of a shopping center and office complex known also as "Crossroads Center".

I . THE DEMISE

            (A) Landlord hereby demises to Tenant, and Tenant hereby leases from
Landlord, subject to the terms and conditions hereof, those premises known as
B24 - 26 containing approximately 3,193.18 square feet of gross leasable area,
being located within that building on the Tract known as Building B. The street
address of the Premises is Crossroads Center, 915 County Route 517,
Hackettstown, New Jersey.

            (B) Tenant shall have the right to use, in common with other
tenants, the portions of the Tract intended to be for common use, such as
parking areas and drives. However, Landlord shall have the right from time to
time to designate an area of areas where employees of Tenant shall be required
to park, in which event Tenant's employees shall not have the right to part
other than in the designated area(s). Employees of Tenant shall park solely in
areas designated on Exhibit "A!' and are specifically prohibited from parking
elsewhere on the premises. Within ten (10) days after a request by Landlord,
Tenant shall deliver to Landlord a list of Tenant's and its employees'
automobiles which list shall set forth the description of the license numbers
assigned to such automobiles and their state of issue. Thereafter, Tenant shall
advise Landlord of any changes, additions or deletions to such list. Specific
damages being incapable of determination, the parties agree that Tenant shall be
required to pay liquidated damages of $50.00 per day for every day of violation
hereof after notice to desist, in addition to all other remedies of Landlord
provided herein.

2. ASSIGNMENT OR SUBLETTING

            Tenant may not assign this Lease nor sublet the premises or any part
thereof nor mortgage, pledge or hypothecate its leasehold interest hereunder
without the proper written consent of Landlord which consent shall not be
unreasonably withheld. Consent to any particular assignment or subletting shall
not be deemed consent to any further or subsequent assignment or subletting.

3. USE OF PREMISES

            (A) Tenant shall operate its business under the trade name Skylands
Community Bank and the premises shall be used only for a commercial banking
operation and related activities and for no other specific use as a material
consideration to Landlord in order that there will be maintained within the
Tract an appropriate tenant mix and continuous operation of all businesses
therein. The premises shall not be used for other purposes either directly or
indirectly without written consent of the Landlord. Landlord shall not let
premises within Crossroads Center to any other tenant with the same business,
save the last three (3) months of the Term and/or Renewal Terms, provided Tenant
promptly exercises its Renewal Term options in a timely fashion.

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4. TERM

            The Term of the Lease shall be for a period of two (2) years,
commencing March 1, 2000 (the "Commencement Date"), and ending February 28, 2000
(the "Term"). Notwithstanding the above, if Tenant shall enter into possession
of the premises prior to the Commencement Date, all terms, covenants and
conditions of this Lease shall be binding upon Tenant, except for the obligation
to pay rent.

5. RENT

            (A)   Tenant shall pay to Landlord as fixed minimum annual rent
                  during the Term the following sum, payable in equal monthly
                  installments, "Basic Rent":

                  1st year:  $54,284.06  ($4,523.67/ mo.)

2nd year: Base year, plus % increase in CPI for most recently published index as
of march 1, 2001.

            All installments of Basic Rent shall be payable in advance without
setoff, deduction or counterclaim, and without previous notice or demand
therefor, with the first installment to be due and payable on March 1st, and
each subsequent installment to be due and payable on the first day of each month
of the term.

(B) In addition to the Basic Rent, Tenant shall pay to Landlord, as additional
rent, without previous notice or demand therefor except as herein otherwise
provided (subject to no setoff, deduction or counterclaim), and in the manner
and upon the conditions herein set forth, all other charges provided for
hereunder to be paid by Tenant. Any and all sums required to be paid by Tenant
hereunder is deemed additional rent subject to the same duties and obligation of
Tenant with respect to Basic Rent ("Additional Rent"). All rents of any nature
shall be paid and delivered to Landlord at Landlord's address set forth at the
head of this Lease, or to such other address as Landlord may from time to time
designate by notice to Tenant.

            (C) Basic Rent and Additional Rent are sometimes herein collectively
referred to, in the plural or in the singular, as "Rent".

            (D) The responsibility of Tenant to pay rent of any nature due under
this Lease shall, if not paid as of the time of expiration of the Term or other
termination of this Lease, survive such expiration or other termination.

            (E) In the event that any installment of any rent payment is not
paid in full within ten (10) days after it becomes due, a late fee of five
percent (5%) of any amount(s) outstanding will be charged for each month or part
thereof that the rent is overdue. In the event that any installment of any
rental payment is paid by an instrument that is not honored by the institution
that it was drawn against, Tenant shall pay a dishonor fee to Landlord of fifty
dollars ($50.00) in addition to the rental payment and any late fee, and
Landlord may require any and all future installments of Basic Rent and/or
Additional Rent to be paid by certified check, money order to cash.

6. SECURITY

            Contemporaneously, with the execution of this Lease, Tenant has
deposited with Landlord the sum of $5,214.72 as security for the performance by
Tenant of all of the terms, covenants and conditions of this Lease by Tenant to
be kept and performed. If, at any time during the Term, any of the rent herein
reserved or provided to be paid shall be overdue and unpaid beyond any
applicable grace period, Landlord may, at its option, appropriate and apply any
portion of the deposit to the payment of any such overdue rent; and in the event
of the failure of Tenant to keep and perform any other term, covenant and/or
condition of this Lease to be kept and performed by Tenant, Landlord, at its
option, may appropriate and apply the deposit, or so much thereof as may be
necessary, to compensate Landlord for the loss or damage suffered by Landlord
due to Tenant's breach.

            In the event that Tenant shall fully and faithfully comply with all
of the terms and conditions of this Lease, the security deposit shall be
returned to Tenant following the end of the Term and after delivery to Landlord
of entire possession of the premises in the condition required by the term of
this Lease. Landlord may deliver the security deposit to the purchaser of
Landlord's interest in the premises, in the event that such interest is sold or
transferred, and thereupon Landlord shall be discharged from any further
liability with respect to the security deposit.

7. COMMON AREA

            Landlord hereby grants to Tenant, during the Tern of this Lease, the
nonexclusive right to use, in common with all others so entitled, the Common
Areas for pedestrian and vehicular traffic. The Common Areas shall be subject to
the exclusive control and management of Landlord and to such rules and
regulations as Landlord may, from time to time, adopt. Landlord reserves the
right to change the areas, locations and arrangement of parking areas, access
and other common area; to enter into, modify and terminate easements and other
agreements pertaining to the maintenance of the Common Areas to such extent and
for such time as may, in the sole discretion of Landlord's counsel, be legally
necessary to prevent a dedication thereof or the accrual of any right to any
person or to the public therein; to close temporarily, if necessary, any part of
the Common Areas in order to discourage non-customer parking; and

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<PAGE>   3

to make changes, alterations or improvements in and to such Common Areas,
provided that there shall be no unreasonable obstruction of Tenant's right of
ingress to or egress from the Premises. Landlord agrees to not erect any
structure or structures that would impair the visibility of the Tenant.

8. ASSESSMENT & COLLECTION OF MAINTENANCE & OPERATIONS COSTS

            (A) Landlord shall operate, maintain and repair the Shopping Center
(except those areas which Tenant shall operate, maintain and repair as required
in this Lease) in such manner as Landlord shall determine in its sole
discretion. For these services, Tenant shall pay as Additional Rent, within ten
(10) days following written demand therefor by Landlord, 10. 12% of Landlord's
costs incurred in the ownership, operation, insurance, real estate taxes, repair
and maintenance of the Shopping Center. As example, such costs may include but
are not limited to: snow removal; landscaping; maintenance & repair of parking
lot, common areas, building exteriors and maintenance and service equipment;
related personnel costs; liability and hazard insurance; and real estate taxes.
An administrative fee of fifteen percent (15%) of all such costs will be
assessed to Tenant by Landlord to cover Landlord's cost in allocating and
collecting these funds. It is understood by the parties that this provision is
not intended to operate as a profit-center to Landlord but is only intended to
reimburse Landlord for actual costs. Excluded from these charges are the
following: depreciation or replacement of capital structural improvements, By
way of clarification, the administrative fee of fifteen percent (15%) is a gross
fee on all common area charges of which Tenant will then pay their proportionate
share.

            (B) At the option of Landlord, the share of Maintenance and
Operational Costs for which Tenant is responsible hereunder shall be paid in
monthly installments in such amounts as are estimated and billed by Landlord,
each such installment being due on the first day of each month, If Landlord
elects such option, which it may to from time to time, then within sixty (60)
days after receipt by Landlord of the final determination of Maintenance and
Operational Costs for the applicable period, Landlord shall make available for
Tenant's inspection, upon written request therefor, copies of such bills and a
reasonably detailed statement of Maintenance & Operational Costs, and any
adjustment shall promptly be made to compensate for any overpayment or
underpayment made by Tenant in the preceding period. It is the intent of
Landlord to so adjust as of January 1st of each year, as far as is practical,
Notwithstanding, the above Tenant shall make payment of any underage within
thirty (30) days.

9. MAINTENANCE OF LEASED PREMISES

            (A) Landlord shall be responsible for providing for ordinary and
routine maintenance and repair of the following: heating, cooling, plumbing and
electrical (up to panel box) systems; doors and locks; windows; roof-, sprinkler
system; exterior signage; and exterior walls. All said costs of maintenance and
repair shall be assessed to Tenants pursuant to Paragraph 8. Repair or
maintenance costs occasioned by the extraordinary wear, negligence, or
misconduct of Tenant, its agents employees, licensees or invitees shall be
chargeable as additional rent directly to Tenant and shall not be included in
ordinary assessments under Paragraph 8.

            (B) Tenant shall have the responsibility to maintain the premises in
good order and in a clean and safe condition. Tenant's responsibility to repair
and maintain the premises, other than as addressed above, includes the
following: carpet and flooring care and maintenance; painting and decorating;
light bulb/ballast replacement (bulbs shall not be removed by Tenant upon
termination of this Lease); repair and maintenance to interior walls and
ceilings; interior janitorial services; and delivery of trash and refuse to the
approved receptacle.

10. INSURANCE AND INDEMNITY; NON-LIABILITY

            (A) During the Term, Tenant shall keep in effect a policy of public
liability insurance with respect to the premises as to which the limits of
liability for personal injury shall not be less that One Million Dollars ($
1,000,000.00) per accident or occurrence to one or more than one person and as
to which the limits of liability for property damage shall not be less than Two
Hundred Fifty Thousand Dollars ($250,000.00) per occurrence. The policy shall
name Landlord and Tenant as insureds, and shall contain clauses (i) that all the
provisions thereof, except the limits of liability, shall operate in the same
manner as if there were a separate policy covering each insured, (ii) that the
insured will not change or terminate the insurance without first giving to
Landlord at least thirty (30) days prior written notice, and (iii) that the
insurance will not be invalidated by any act or neglect of Tenant, or of an
employee or licensee thereof. Tenant shall be responsible for reimbursement to
Landlord, upon demand, of the cost of replacing any damaged glass at the
premises damaged by Tenant or any of Tenants invitees, licensees, employees,
customers or anyone under Tenant's control or supervision. Copies of all
policies or certificates of insurance shall be delivered to Landlord on or
before the Commencement Date or, as the case my be, any earlier date upon which
Tenant shall enter into occupancy of the premises or any portion thereof.

            (B) Tenant will indemnify and hold Landlord harmless against all
claims, actions, damages, losses, liability and expense, including court costs
and reasonable attorneys' fees, in connection with loss of like, personal injury
and/or damage to property arising out of any occurrence in, upon or at the
premises, or the occupancy or use by Tenant of the premises or of any part
thereof, or occasioned wholly or in part by any negligence of Tenant, its
agents, contractors, employees, servants, licensees, invitees or subtenants.

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<PAGE>   4

            (C) Tenant, at Tenant's own cost and expense, shall also maintain
insurance protecting and indemnifying Landlord and Tenant against any and all
damage to or loss of Tenant's alterations, equipment, furnishings, furniture,
fixtures and contents in the premises or the building and all claims and
liability relating thereto.

            (D) Tenant, at Tenant's own cost and expense, shall also maintain
insurance protecting and indemnifying Landlord and Tenant against any and all
damage to or loss of plate glass, if applicable to this tenancy.

11. INSURANCE RESTRICTIOES

            The Tenant shall not stock, use or sell any article or merchandise
or do anything in or about the demised premises which may be prohibited by
Landlord's insurance policy or any endorsement or form attached thereto, or
which will increase insurance rates or premiums of the Landlord's insurance
covering either the demised premises or the building of which they are a part.
The Tenant agrees, at its own cost and expense, to comply with all of the rules,
regulations and requirements of the Fire Insurance Rating Organization and the
Board of Fire Insurance Underwriters having jurisdiction and any similar body
and of Landlord's insurance carrier. In addition to any other remedies which the
Landlord may have for the Tenant's violation of the preceding sentence, the
Tenant shall pay as Additional Rent, within thirty (30) days of the receipt by
the Tenant of an invoice for additional premium or premiums, any increase in
premium or premiums that may be charged on insurance carried by the Landlord by
reason of Tenant's occupancy, acts or omissions. In determining whether
increased premiums are the result of the Tenant's occupancy, acts, or omissions,
rating schedules utilized by the insurer shall be deemed conclusive evidence.
If, due to Tenant's occupancy, acts or omissions, any insurance shall be
cancelled by the insurance carrier, then in any of such events, the Tenant shall
indemnify and hold the Landlord harmless against any loss which would have been
covered by such insurance.

12. LIMITATIONS ON LANDLORD'S LIABILITY

            (A) Landlord shall not be liable for any damage or injury which may
be sustained by Tenant or any other person as a consequence of the failure,
breakage, leakage or obstruction of the water, plumbing, steam, sewer, waste or
soil pipes, roof drains, leaders, gutters, valleys, downspouts or the like, or
of the electrical, gas, power, conveyor, refrigeration, sprinkler,
air-conditioning or heating systems; or by reason of the elements; or resulting
from the carelessness, negligence or improper conduct on the part of Tenant or
any employees, servants, licensees, invitees or subtenants.

            (B) The term "Landlord7', as used in this Lease, means only the
owner for the time being of the Tract, so that in the event of any sale thereof,
Landlord or any successor landlord, as the case may be, shall automatically be
relieved of all Landlord's covenants and obligations hereunder and the purchaser
shall automatically be deemed to have assumed all covenants and obligations of
Landlord hereunder.

            (C) The liability of Landlord in the event of breach by Landlord
shall be limited to Landlord's interest in the Tract. Accordingly, it is
understood that any judgment or award which Tenant may obtain against Landlord
may only be satisfied out of the interest of Landlord in the Tract, and that
Tenant shall have no recourse against any other property of Landlord or against
any property of any individual shareholder, partner or other principal of
Landlord. It is further understood that the foregoing limitations shall apply as
to any successor landlord(s).

13, ALTERATIONS & REPLACEMENTS

            (A) Tenant shall not, without the prior written consent of Landlord,
make or permit to be made any installations, alterations, restorations, changes
or replacements (hereinafter called "Alterations") in, of or to the premises.
Any permitted Alterations shall be made in a good and workmanlike manner, shall
comply with all applicable laws, orders and regulations of federal, state,
county and municipal authorities, with any direction pursuant to law or given by
any public officer, and with all regulations of any board of fire underwriters
or similar organization have jurisdiction, and shall not be undertaken in a
manner as would unreasonably interfere with or disturb any other tenant(s) in
the building.

            (B) Tenant shall discharge or band any mechanic's lien, or other
lien or encumbrance created by the acts of Tenant, which may be filed against
the premises, within a period of fifteen (15) days after Tenant receives notice
of filing of such

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of the Center is important to the continuing success of the Center, therefore,
the style and design of Tenant's sign will be the same quality and type as
existing signs, Tenant shall be responsible for the payment of all signs; labor,
materials and installations,

            (B) Tenant agrees to permit Landlord, during the three (3) month
period prior to expiration of the Term, or any renewals or extensions of the
Term, to place the usual notice of "To Lease" or "For Rent" or similar
provisions to be placed on the premises, without hindrance or obstruction of its
view.

            (C) Tenant shall not install any signage or other advertising media
visible or audible from or to the exterior of the premises without the prior
written consent of Landlord. Specific damages being incapable of determination,
violation hereof shall be cause for assessment of liquidated damages against
Tenant of $50.00 per day for each day of violation after notice to desist, in
addition to all other remedies of Landlord.

15. UTILITIES

            (A) Tenant shall pay as additional rent in each instance, on or
before the due date, all charges for water, electricity and all other utilities
servicing the premises, which utilities shall be separately metered as to the
premises. Such payments shall be made directly to the applicable utility
companies unless Landlord, at its option, gives notice to Tenant of Landlord's
intention to make any particular payment(s), in which event Tenant shall
reimburse Landlord therefore upon demand.

            (B) In the event any governmental authority shall order mandatory
energy conservation, or if Landlord elects voluntarily to cooperate at the
request of any governmental authority with an energy conservation program, then
Tenant shall likewise comply with such requirements. Tenant's compliance with
such requirements shall not entitle Tenant to any abatement of rent or damages
for any injury or inconvenience occasioned thereby nor shall it be construed as
an eviction or disturbance of possession.

16, OBSERVANCE OF LAWS

            Tenant shall comply with all statutes, ordinances, rules, orders,
regulations and requirements of all governmental authorities relating to
Tenant's business and maintenance and operation of the premises. Tenant shall
faithfully observe, in the use of the premises, regulations of a board of fire
underwriters or similar agency for the prevention of fires, including but not
limited to, any sprinkler system modifications and/or installations, the need
for which is occasioned by Tenant's use or occupancy of the premises. Tenant may
contest any of such statutes or the like, provided that Tenant shall indemnify
Landlord for any loss or liability (including but not limited to reasonable
attorneys' fees incurred by Landlord). Landlord agrees to cooperate with any
such contest, provided that Landlord shall incur no out-of-pocket expense.
Tenant shall not do or suffer to be done, or keep or suffer to be kept, anything
in, upon or about the premises or building which will contravene Landlord's
insurance policies or which will prevent Landlord from procuring policies in
companies acceptable to Landlord.

17. DAMAGE TO PREMISES

            (A) If the building shall be damaged by fire, the elements,
unavoidable accident or other casualty, then, subject to the provisions below,
Landlord shall cause the damage to be repaired. In doing so, Landlord shall
commence its repairs promptly and diligently proceed with same, but in no event
shall Landlord be required to incur costs in excess of the net insurance
proceeds received by Landlord.

            (B) If the building shall be so damaged or destroyed as to require
substantially a rebuilding thereof, or if any partial damage or destruction
shall be such as would render the premises untenantable for a period in excess
of one hundred fifty (150) days, either party shall have the right to cancel
this Lease by written notice to the other served within thirty (30) days after
the occurrence, effective as of the occurrence. Upon such termination, ass Rent
and Additional Rent shall be apportioned as of the date of the occurrence.

            (C) If more than 50% of the square footage of the entire Shopping
Center (inclusive of office space) is damaged and whether or not tenants'
premises are damaged, Landlord shall have the right to terminate this Lease by
notice in writing to Tenant and thereafter there shall be no further liability
between the parties.

            (D) Tenant shall immediately notify Landlord in case of fire or
other damage to the premises.

            (E) The repair and restoration of any damage to the property of
Tenant or to the decorations and/or Alterations of Tenant shall not be the
responsibility of Landlord.

            (F) In the event any damage or destruction to the building renders
the premises untenantable, all rent shall be abated during such period of
untenantability, except if the damage or destruction shall be due to the
negligence or misconduct of Tenant, its agents or employees. If any such damage
or destruction renders the premises partially untenantable, all rent shall be
equitable apportioned, subject to the above-stated exception. For purposes of
this paragraph (F), the word "rent" shall not included any Additional Rent as
may be due from Tenant by reason of default by Tenant under any term, covenant
or condition of this Lease.

18. EMINENT DOMAIN

            (A) In the event that egress or ingress from or to the premises or
any utility necessary to operate the premises shall be appropriated or taken
under the poser of eminent domain by any public or quasi-public authority
(without the provision by Landlord of alternative ingress and egress), Tenant
may terminate this Lease, effective as of the date of taking, by written notice
to

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Landlord given within thirty (30) days from the date of such taking, and the
parties shall thereupon be released from any liability to each other accruing
thereafter. Upon such termination, all Rent and Additional Rent shall be
prorated to the date of termination.

            (B) If a portion of the building shall have been appropriated or
taken and if this Lease shall continue, then and in that event, Landlord agrees
to promptly commence restoration of the building to a complete unit of like
quality and character as existed prior to such appropriation or taking. In no
event, however, shall Landlord be obligated to incur costs in excess of the net
condemnation award received by Landlord.

            (C) In the event of any appropriation or taking as aforesaid,
whether whole or partial, Tenant shall not be entitled to any part of the award
paid for such condemnation except as otherwise provided in paragraph (D)
immediately below, and Landlord shall be entitled to receive the full amount of
such award.

            (D) Tenant shall have the right to recover from the condemning
authority all compensation then permitted by laws as may be separately
recoverable by Tenant by reason of the condemnation (provided that such separate
award shall not reduce the compensation which otherwise would be payable to
Landlord), including compensation for costs of relocating Tenant's business.

19. DEFAULT AND REMEDIES

            (A) If Tenant defaults in the payment of Basic Rent or any
Additional Rent and fails to cure the default within fifteen (15) days after
same is due, or if Tenant defaults in compliance with any of the other covenants
or conditions of this Lease and fails to cure the same within thirty (30) days
after the receipt of notice specifying the default, then at the expiration of
such

fifteen (15) days or thirty (30) days, as the case may be, Landlord may (a)
cancel and terminate this Lease upon written notice to Tenant (whereupon the
Term shall terminate, and Tenant shall then quit and surrender the premises to
Landlord, but Tenant shall remain liable as hereinafter provided) and/or (b) at
any time thereafter re-enter and resume possession of the premises as if this
Lease had not been made, Tenant hereby waiving the service of any notice of
intention of re-enter or to institute legal proceedings to that end. Anything
above to the contrary notwithstanding, the said thirty (30) days for the period
of time necessary to effect the cure provided that Tenant shall diligently
commence the cure during such thirty (30) day period and shall diligently
prosecute the cure to completion.

            (B) If this Lease shall be terminated or if Landlord shall be
entitled to re-enter the premises and dispossess or remove Tenant under the
provisions of this Section (either or both of which events are hereinafter
referred to as a "Termination"), Landlord or Landlord's agents or servants may
immediately or at any time thereafter re-enter the premises and remove therefrom
Tenant, its agents, employees, servants, licensees, and any subtenants and other
persons, and all or any of its or their property therefrom, either by summary
dispossess proceedings or by any suitable action or proceeding at law or by
peaceable re-entry or otherwise, without being liable to indictment, prosecution
or damages therefor, and may repossess and enjoy the premises, including all
Alterations.

            (C) In case of Termination, the Basic Rent and all other charges
required to be paid by Tenant hereunder shall thereupon become due and shall be
paid by Tenant up to the time of the Termination, and Tenant shall also pay to
Landlord all reasonable expenses which Landlord may then or thereafter incur as
a result of or arising out of a Termination, including but not limited to court
costs, reasonable attorneys' fees, brokerage commissions, and costs of
terminating the tenancy of Tenant, re-entering, dispossessing or otherwise
removing Tenant and restoring the premises to good order and condition, and from
time to time altering and otherwise preparing the same for re-letting. Upon a
Termination, Landlord may (but shall not be obligated to), at any time and from
time to time, re-let the premises, in whole or in part, either in its own name
or as Tenant's agent, for a term or terms which, at Landlord's option, may be
for the remainder of the Term or for any longer or shorter period.

            (D) In addition to the payments required hereinabove in this Section
19, Tenant shall pay to Landlord upon demand and at Landlord's option:

                  (i) liquidated damages in an amount which, at the time of
Termination, is equal to the excess, if any, of the then present amount of the
installments of Basic Rent and Additional Rent reserved hereunder, for the
period which would otherwise have constituted the unexpired portion of the Term,
over the then present rental value of the premises for such unexpired portion of
the Term,

                  (ii) damages (payable in monthly installments, in advance, on
the first day of each calendar month following the Termination, and continuing
until the date originally fixed herein for the expiration of the Term) in amount
equal to the excess, if any, of the sums of the aggregate expenses paid by
Landlord during the month immediately preceding such calendar month for all such
items as, by the terms of this Lease, are required to be paid by Tenant, plus an
amount equal to the installment of Basic Rent which calendar month, had this
Lease not been terminated, over the sum of such calendar month pursuant to a
re-letting or to any holding over by any subtenants of Tenant.

            (E) Landlord shall make a good faith attempt but in no event be
liable for failure to mitigate or failure to re-let the premises, or in the
event that the premises are re-let, for failure to collect rent due under such
re-letting; and in no event shall Tenant be entitled to receive any excess or
rents over the sums payable by Tenant to Landlord hereunder but such excess
shall be credited to the unpaid rents due hereunder, and to the expense of
re-letting and preparing for re-letting as provided herein.

            (F) Suit or suits for the recovery of damages hereunder, or for any
installments of rent, may be brought by Landlord from time to time at its
election, and nothing herein contained shall be deemed to require Landlord to
postpone suit until the

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<PAGE>   7

date when the Term would have expired if it had not been terminated under the
provisions of this Lease, or under any provision of law, or had Landlord not
re-entered into or upon the premises.

            (G) Landlord, at its option, in addition to any and all remedies
available to it, shall have the right to charge a fee for payment of Basic Rent
and/or Additional Rent received later than ten (10) days after the date due,
which fee shall be equal to five percent (51/6) per month applied to the amount
of such overdue rent.

            (H) Tenant hereby waives all rights of redemption to which Tenant or
any person claiming under Tenant might be entitled, after an abandonment of the
premises, after a surrender and acceptance of the premises and the Tenant's
leasehold estate, after a dispossession of Tenant from the premises, after a
termination of this Lease, after a judgment against Tenant in an action in
ejectment, after the issuance of a final order or warrant of dispossess in a
summary proceeding, or an any other proceeding or action authorized by any rule
of law or statute now or hereafter in force or effect.

            (I) No mention in this Lease of any specific right or remedy shall
preclude Landlord from exercising any other right or from having any other
remedy or from maintaining any action to which Landlord may otherwise be
entitled hereunder or at law or in equity.

            (J) Should Tenant be adjudicated a bankrupt, insolvent or placed in
receivership, or should proceedings be instituted by or against Tenant for
bankruptcy, insolvency, receivership, agreement or composition or assignment for
the benefit of creditors, or if this Lease or the estate of Tenant hereunder
shall pass to another by virtue of any court proceedings, writ of execution,
levy, sale or by operation of law, Landlord may, if Landlord so elects, at any
time thereafter, terminate this Lease upon giving to Tenant, or to any trustee,
receiver, assignee or other person in charge of or acting as custodian of the
assets or property of Tenant, five (5) days notice in writing of Landlord's
intention to do so. Upon the giving of such notice, this Lease shall end on the
date fixed in such notice as if such date were the date originally fixed in this
Lease for the expiration hereof, and Landlord shall have the right to remove all
persons, goods, fixtures and chattels therefrom by force or otherwise, without
liability for damages.

            (K) If Tenant shall be in default hereunder in any respect, Landlord
may, at Landlord's option and without waiving its rights hereunder, cure such
default on behalf of Tenant, in which event Tenant shall, promptly upon demand
by Landlord, reimburse Landlord for all expenses incurred by Landlord in
effecting such cure, including but not limited to reasonable attorneys' fees,
together with interest on such expenses at fifteen percent (15%) per annum. In
order to collect such reimbursement, Landlord shall have all the remedies
available under this Lease and/or by law or equity for a default in the payment
of Rent. Tenant shall also be responsible for all court costs and reasonable
attorneys' fees incurred by Landlord in connection with any default or
threatened default by Tenant, the enforcement by Landlord of any covenant made
by Tenant, and/or Landlord's exercise of any right of approval or consent as may
be provided for hereunder, whether or not there shall be instituted any
litigation or proceedings relating to this Lease.

20. MORTGAGE SUBORDINATION

            This Lease shall be subordinate to the lien of any present or future
mortgage(s) on the premises. Not withstanding the automatic nature of such
subordination as may be reasonably requested by Landlord or by any proposed
mortgagee. In default of

such responsibility, Tenant hereby appoints Landlord as Tenant's
attorney-in-fact to execute, acknowledge and deliver such instrument for and in
the name and stead of Tenant, such power of attorney given to Landlord to be
deemed irrevocable and coupled with an interest. A refusal by Tenant for fifteen
(15) days after written notice to execute such instrument shall entitle
Landlord, at its option, to cancel this Lease without incurring any liability on
account thereof, and the term of this Lease is expressly limited accordingly. If
any mortgagee elects to have Tenant's interest in this Lease rendered superior
in priority to that mortgagee's lien on the Premises, then by notice to Tenant,
this Lease shall be deemed superior to that mortgagee's lien, whether this Lease
was executed before or after execution or recording of the instrument creating
that mortgagee's lien.

21. ESTOPPEL OR OFFSET STATENENTS

            Tenant shall, upon the reasonable request from time to time or
Landlord, execute and deliver an estoppel or offset statement (a) certifying
that this Lease is in full force and effect and has not been modified or
amended, or stating all amendments and modifications thereto-, (b) specifying
the dates to which Rent and Additional Rent have been paid; (c) stating whether
or not Tenant alleges that Landlord is in any respect in default, and, if so,
specifying the alleged default; (d) stating the Commencement Date; (e) stating
which options to renew have been exercised, if any; and (f) stating any other
factual matters relating to this Lease as may reasonably be requested by
Landlord such as amount of security deposit, if any.

22. HOLDOVER

            In the event that Tenant shall for any reason remain in possession
of the premises after the expiration of the Term, such possession shall, at the
option of Landlord, be on a month-to-month basis subject to the terms and
conditions of this Lease except as to duration of term, and except that the
Basic Rent shall be twenty-five percent (25%) greater than that in effect on the
last day of the Term. If such holdover runs beyond 6 months, then the basic rent
would be increased by an additional 25% over that in effect for the first 6
months of holdover,

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23. FORCE MAJEURE

            The period of time during which either party is prevented or delayed
in the making of any improvements or repairs or fulfilling any obligation
required under this Lease, with the exception of obligations of the payment of
Rent or Additional Rent, due to unavoidable delays caused by fire, catastrophe,
strikes, labor trouble, civil commotion, Acts of God or public enemies,
government prohibitions or regulations or inability to obtain materials or any
other causes beyond such party's reasonable control, shall be added to such
party's time for performance thereof, and such party shall have no liability by
reason thereof It is understood, not in limitation of the generality of the
foregoing, that Landlord shall under no circumstances be liable to Tenant in
damages or otherwise for any interruption in service of water, electricity,
heating, air-conditioning and/or other utilities and services of any nature
caused by an unavoidable delay, by the making of any necessary repairs or
improvements or by any cause beyond Landlord's reasonable control.

            Notwithstanding the above, and in the event that any such conditions
prevent the Tenant from reasonably utilizing the premises for the purposes set
forth herein, all rent shall be abated during the time of such inability to use
the premises.

24. ENTRY BY LANDLORD

            Landlord shall exercise its right of access for such purposes, if
exercised at all, upon reasonable advance notice to Tenant and in a manner not
unreasonably to interfere with Tenant's business at the premises. At all times
during the Term, Tenant will permit Landlord, its agent, employees and
contractors, to enter the premises during business hours in order to inspect the
same, to enforce or carry out any provision of this Lease and/or to install,
repair, replace or realign any utility lines serving the premises.

            For a period commencing three (3) months prior to expiration of the
Term, Landlord may have reasonable access to the premises for the purpose of
exhibiting the same to prospective tenants.

25. END OF TERM

            Upon expiration of the Term or other termination of this Lease,
Tenant shall peaceably and quietly quit and surrender the premises, broom clean,
in good order and condition, reasonable wear and tear and damage by fire or
other casualty excepted. Tenant shall have the right to remove its trade
fixtures but shall be obligated to repair any damage caused in removing same and
to restore the premises to such condition as existed at the Commencement Date,
reasonable wear and tear excepted.

26. FLOOR LOADS

            Tenant shall not place a load upon any floor of the premises
exceeding the floor load per square foot area, which it was designed to carry
and which is allowed by law. Landlord reserves the right to prescribe the weight
and position of all safes, business machines and mechanical equipment. Any
equipment or property of any nature placed or installed by Tenant in the
premises shall be placed and maintained in setting sufficient, in Landlord's
judgment, to absorb and prevent vibration, noise and annoyance.

27. CONDUCT OF BUSINESS

            Tenant shall not engage in any activity on the premises constituting
a nuisance. Tenant shall conduct its business on the premises in a dignified
manner and in conformity with the highest standards of practice obtaining among
stores dealing in the same or similar merchandise and the standards generally
applicable to the Business Zone, and shall at all times keep the premises in a
clean, orderly and sanitary condition. Tenant shall not conduct any auction,
loss of lease, fire, bankruptcy or going-out-of-business sale at the premises,
or any other special sale other than is incident to the normal and established
routine of Tenant's business with its regular clientele. Nothing herein shall be
deemed to restrict the freedom of Tenant to determine its own selling prices and
to conduct periodic seasonal, promotional or normal clearance sales. Tenant
shall keep its business open continuously and uninterruptedly (except for
periodic vacations, not to exceed two (2) weeks per year) during customary
business hours for stores dealing in the same or similar merchandise.

28. NOTICES

Wherever in this Lease it shall be required or permitted that notice or demand
("Notice") be given or served by either party to this Lease to or on the other,
such Notice shall be in writing and may either be served personally upon the
parties or upon the next business day after mailing, as the case may be, except
that a mailed notice changing an address for notice purposes hereunder shall be
effective upon receipt.

29. ATTORNNENT

            Tenant shall attorn to any new owner of the Tract, including
Landlord's mortgagee, and shall execute such attornment instrument as shall
reasonable be requested by such new owner,

30. WAIVER OF SUBROGATION

            Landlord hereby releases Tenant from liability for damage or
destruction to the Building, and Tenant hereby releases Landlord from liability
for damage or destruction to any of its personal property or leasehold
improvement; provided, however, that such releases shall apply only in respect
of damage or destruction normally covered by standard policies of fire insurance
with

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extended coverage and such waivers shall apply only to the extent of proceeds
made available under such policies. Tenant and Landlord shall each cause any
policies of insurance maintained by it with respect to the premises and Building
respectively to contain a waiver by the insurers of any rights of subrogation.

31. COVENANTS TO BIND RESPECTIVE PARTIES

            The covenants and agreements contained in this Lease shall inure to
the benefit of and be binding upon the parties hereto and their heirs, legal
representatives, successors and permitted assigns.

32. NO WAIVER OF BREACHES

            The failure of Landlord or Tenant to insist upon strict performance
of any of the covenants or conditions of this Lease or to exercise any option
herein conferred in any one or more instances, shall not be construed as a
waiver of relinquishment for the future of any such covenants, conditions or
options, but the same shall be and remain in full force and effect. In no
circumstances shall acceptance of current rent be deemed a waiver of past
obligations of Tenant nor acceptance of partial payment be deemed other than
partially on account of rent due hereunder (and not an accord or satisfaction).

33. Q-UMT ENJOYNENT

            Landlord covenants that Tenant, upon compliance with the terms and
conditions on Tenant's part to be performed hereunder, shall, subject to the
terms of this Lease, quietly enjoy the premises for the Term.

34. RULES AND REGULATIONS

            Tenant shall observe such reasonable rules and regulations as may be
annexed hereto and made a part hereof, and/or as Landlord may, on written notice
to Tenant, hereafter adopt from time to time as to all tenants at the Tract.

35, NO LEASE RECORDING

            Tenant agrees that it will not record this Lease or any memorandum
hereof,

36. BROKERS

            Landlord represents that General Partner of Landlord is a licensed
real estate broker in the State of New Jersey.

37, RENEWAL OPTION

            (A) Provided that Tenant is not then in default under the terms of
this Lease, and provided further that this Lease has not theretofore been
terminated pursuant to the provisions hereof, or of the Lease, Tenant shall have
the option to renew this Lease for four (4) additional periods of one (1) year
(the "Renewal Term"). Said option to renew shall expire and be of no force or
effect unless exercised by Tenant giving written notice thereof to Landlord,
sent not later than three (3) months prior to the expiration of the Term.

            (B) All of the terms conditions a provisions of this Lease shall
remain in full force and effect during the Renewal Term, except that the minimum
rent shall be increased as follows:

            1st Renewal Option: Each option shall be adjust by a % increase
equal to the CPI % increase for the most recently published 12-month period.

            (C) No option granted to Tenant to renew this Lease, nor the
exercise of any such option by Tenant, shall prevent Landlord from exercising
any right granted or reserved to Landlord in this Lease, either during the
original Term or during any Renewal Terms. Any termination of this Lease shall
serve to terminate any renewal options whether or not Tenant shall have
exercised same. Any right on the part of Landlord to terminate this Lease shall
continue during any Renewal Terms, and no options granted to Tenant to renew
this Lease shall be deemed to give Tenant any further options to renew.

38. POTENTIAL LEASE CONCESSION

            Landlord and Tenant have agreed that, if the doctor group which
Tenant has introduced to the Landlord rents all or part of the space that the
Tenant has vacated, then Tenant shall be entitled to as much as $ 1. 00/s.f.
concession on the Lease for the entire duration that Tenant occupies space at
Crossroads Center. Such concession will apply provided that the doctor group
rents the space during the next 12-month period and will apply from the point at
which the new tenant actually starts to pay rent at Crossroads. If the doctor
group rents less than the entire square footage which Skylands vacated, the
concession shall be proportionate to $ 1. 00 as the rented space is to the
entire space.

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<PAGE>   10

            described below, or may be sent by registered or certified mail,
return receipt requested, to the parties at the addresses described below - if
to Landlord, at its address stated at the head of the Lease; it to Tenant, at
the premises. Such addresses may be changed from time to time by either party by
written notice served upon the other, as above provided. Notices hall be
effective upon delivery.

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