Document:

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EXHIBIT 10.7

                              EMPLOYMENT AGREEMENT
                              --------------------

         THIS EMPLOYMENT AGREEMENT (this "Agreement") is made effective as of
the 1st day of August 15, 2002, by and between Case Financial, Inc., a
California corporation (the "Company"), and James Lewis ("Employee").

         In consideration of the mutual promises herein contained and other good
and valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, Employee and the Company agree as follows:

         1. TERM. Subject to the terms and conditions herein contained, the
Company hereby employs Employee, and Employee hereby accepts such employment,
for a period of twenty-four (24) months beginning as of the effective date of
this Agreement.

         2. POSITION. During Employee's employment hereunder, Employee will hold
the position of Vice President Sales and Marketing for the Company and/or such
other management position(s) as the Board of Directors may determine in its sole
discretion. As Vice President of Sales and Marketing, Employee's duties shall
include, but shall not be limited to, those set forth on EXHIBIT A attached
hereto, which may be amended from time to time upon the mutual written agreement
of the Company and Employee.

         3. COMPENSATION.

                  (a) BASE COMPENSATION. As consideration for all services which
Employee may render to the Company or its subsidiaries in any capacity during
the term hereof, Employee will receive, and the Company hereby agrees to pay
Employee, base compensation ("Base Compensation") at the annual rate of Eighty
($80,000) per year commencing on the date of this Agreement. Upon each yearly
anniversary of the date of this Agreement, Employee's Base Compensation
automatically shall be increased by the "Cost of Living" based on the accepted
"Cost of Living Index

                  (b) SIGNING BONUS. Upon the execution of this Agreement,
Employee shall be entitled to receive from the Company One Hundred and Fifty
Thousand (150,000) shares of the Company's common stock, $.0001 par value per
share ("Common Stock").

                  (c) ANNUAL BONUS. Employee shall also be entitled to receive
from the Company with respect to each fiscal year during the term of this
Agreement, such bonus ("Bonus") as the Company's Board of Directors or the
Compensation Committee of such Board shall determine; provided, however, that
nothing herein shall be deemed to require that a bonus be paid with respect to
any given fiscal year and that, in determining the level of bonus, if any,
payable for a given fiscal year, the Board of Compensation Committee may
consider the Automatic Annual Increase as part of any Bonus. The bonus shall not
exceed Fifty Thousand Dollars ($50,000) per each fiscal year.

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         Employee's Base Compensation, as increased by any Automatic Annual
Increase, Commission and Bonus are hereinafter collectively referred to as
"Compensation."

         4. BENEFITS; EXPENSES; AND VACATION. In addition to the Compensation,
Employee shall be entitled to receive the following additional benefits during
the term of this Agreement only to the extent the benefits are offered by the
Company and the below benefits may be modified or revoked at any time by the
Company if an insurer either modifies or revokes any of the below noted
benefits:

                  (a) a car allowance in the amount of $350 per month,

                  (b) Company-paid health, life, disability and/or dental
insurance (all on such terms and with such insurers as the Company shall offer
to its other executive officers); and

                  (c) all such other fringe benefits and perquisites, if any, as
the Company shall from time to time make generally available to employees of the
Company.

                  (d) Paid vacation of 3 weeks in the first year of this
Contract and 4 weeks in the second year of the Contract. Such vacation time
shall not be cumulative.

                  (e) Company-paid cell phone expenses.

                  (f) Reimbursement of reasonable expenses.

         5. FULL-TIME EMPLOYMENT. During the term hereof, Employee will devote
his full time and best efforts to the business of the Company.

         6. NON-COMPETITION.

                  (a) Throughout the term of this Agreement and for twelve (12)
months following the termination of this Agreement, Employee agrees not to
compete with the business of the Company anywhere in the United States. The
phrase "compete with the business of" shall be deemed to include engaging or
being interested, directly or indirectly, as an owner, employee, general
partner, consultant, through stock ownership, investment of capital, or
rendering of services, either alone or in association with others, in the
ownership, operation, management or supervision of any type of business or
enterprise competitive with the Company. The foregoing shall not prevent
Employee from owning up to 5% of the outstanding securities of a publicly held
corporation which may compete with the business of the Company.

                                      -2-
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         ( (b) TRADE SECRETS AND CONFIDENTIAL INFORMATION.

(1)      TRADE SECRETS. Employee recognizes and acknowledges that by virtue of
         Employee's employment with the Company, Employee will have access to
         certain trade secrets and confidential information of the Company and
         that such information constitutes valuable, special and unique property
         of the Company, and derives economic value because it is not generally
         known to the public or to others who could benefit from its disclosure
         or use ("Trade Secrets and Confidential Information"). Trade Secrets
         and Confidential Information includes, but is not limited to, the
         following: (i) customer information, including, without limitation,
         customer lists and other information concerning particular needs,
         problems, likes or dislikes of the Company's customers; (ii) the
         identities of the Company's customers; (iii) price information, such as
         price lists, the contents of bids, and other information concerning
         costs or profits; (iv) technical information, such as formulae,
         know-how, computer programs, software, secret processes or machines,
         inventions and research projects, documentation, or other methods or
         processes; (v) business information relating to costs, profits, sales,
         markets, suppliers, plans for further development, market studies,
         methods of doing business or research projects; (vi) personnel or a
         compilation of data concerning the Company `s employees and independent
         contractors; and (vii) any other information valuable because of its
         private or confidential nature. Trade Secrets and Confidential
         Information may be oral or written and may be information which
         Employee originates or which otherwise comes into Employee's possession
         or knowledge. All such Trade Secrets and Confidential Information
         constitute valuable, special and unique property of the Company and
         derive economic value because such Trade Secrets and Confidential
         Information are not generally known to the public or to others who
         could benefit from their disclosure or use.

(2)      CONFIDENTIAL INFORMATION. Employee agrees that Employee shall treat all
         Trade Secrets and Confidential Information of the Company as
         confidential and shall not divulge or disclose any of same gained in
         connection with Employee's employment by the Company to any other
         person, firm, corporation or entity ("Person"), except upon the written
         request or instruction of the Company or in the normal course of
         Employee's duties as a Company Employee or as otherwise required by law
         or legal process.

(3)      RETURN OF CONFIDENTIAL INFORMATION. Employee covenants and acknowledges
         that upon separation from employment with the Company, Employee shall
         immediately surrender to the Company all of the Company's Trade Secrets
         and Confidential Information and any and all such documents, materials
         or other tangible items pertaining to these Trade Secrets and
         Confidential Information that Employee may possess and that such Trade
         Secrets and Confidential Information shall be and remain the sole
         property of the Company. Employee agrees that if Employee is in doubt
         as to whether any information, material, or document is a Trade Secret
         or is Confidential Information, Employee will contact the Board of
         Directors of the Company before disclosing or using same for any
         purpose other than in furtherance of Employee's duties as an employee
         of the Company. The covenants of this Section 8 shall continue for as
         long after the termination of this Employment Agreement as any Trade
         Secret or Confidential Information continues to constitute a trade
         secret under applicable law.

                                      -3-
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         (c) INVENTIONS AND CREATIONS.

(1)      INVENTIONS. Employee agrees that the Company shall be entitled to all
         rights to all inventions, discoveries, developments, improvements, mask
         works, and other contributions relating in any way to the business or
         research of, or products or services sold by, the Company (herein
         called collectively "Inventions") to the extent protectable by law,
         that Employee conceives, makes, develops or acquires, either
         individually or jointly, during Employee's employment with the Company
         and which relate in any manner to Employee's work, the Company's
         research, business or products or fields to which the business of the
         Company may reasonably extend. Employee further agrees to assign and
         transfer to the Company Employee's entire right, title and interest in
         and to the Inventions and not to disclose such Inventions to others
         without the prior written consent of the Company, except as required by
         Employee's employment by the Company or by law.

(2)      DISCLOSURE AND PROTECTION OF INVENTIONS. Employee further agrees to
         promptly and fully disclose the Inventions to the Company, in writing
         if requested by the Company, and to execute and deliver any and all
         lawful applications assignments and other documents which the Company
         requests for protecting the Inventions in the United States or any
         other country. The Company shall have the full and sole power to
         prosecute such applications and to take all other action concerning the
         Inventions, and Employee agrees to cooperate fully, at the expense of
         the Company, in preparing and prosecuting all such applications and in
         any legal actions and proceedings concerning the Inventions in the
         United States and in foreign countries, including assigning priority
         rights and executing any and all applications, including renewals,
         extensions and divisions thereof.

(3)      ASSIGNMENT OF CREATIONS. Employee agrees to and does hereby assign,
         convey and transfer to the Company any and all manuscripts, computer
         programs, writings, pictorial materials and other creations (herein
         called collectively "Creations"), created by Employee, either
         individually or jointly, in the course of Employee's employment by the
         Company and which relate to the Company's business, research, products
         or services. The Company shall have the full right to seek and procure
         copyrights on the Creations, and Employee shall cooperate fully, at the
         expense of the Company, in securing copyrights and in any legal actions
         and proceedings concerning the Creations in the United States and in
         foreign countries, including executing any and all applications,
         including renewals thereof. Employee further agrees not to disclose
         such Creations to others without the prior written consent of the
         Company, except as required by Employee's employment by the Company or
         by law.

(4)      NO ADDITIONAL COMPENSATION. Employee shall not be entitled to any
         additional compensation for any services the Company shall require to
         be rendered by Employee under this Section.

                                      -4-
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         (b) NON-SOLICITATION. Employee agrees and acknowledges that Employee's
services hereunder are of a special, unique, extraordinary character, that
Employee's employment with the Company places Employee in a position of
confidence and trust and that Employee's services hereunder necessarily will
require the disclosure to Employee of Confidential Information of the Company.
Employee consequently agrees that it is reasonable and necessary for the
protection of the goodwill and business of the Company that Employee make the
covenants contained herein and that Company is relying upon and is induced by
the agreements made by Employee in this paragraph. Accordingly, Employee agrees
that during the term of this Agreement and for a twelve (12) month period
thereafter, Employee shall not, except on behalf of the Company, directly or
indirectly, and regardless of the reason for the cessation of Employee's
employment (i) attempt in any manner to persuade any third party to cease to do
business, or to reduce the amount of business which any such party customarily
has done or contemplates doing, with the Company, whether or not the
relationship between the Company and such third party was originally established
in whole or in part through Employee's efforts; or (ii) on Employee's own behalf
or otherwise, hire, solicit, seek to hire, or offer employment to any person who
is, during any such time period, an employee of or independent contractor with
the Company, or in any other manner attempt, directly or indirectly, to
influence, induce or encourage any such person to leave the employ of, or
terminate or diminish such person's business relationship with, the Company. As
used in this paragraph, the verb 'employ' shall include its variations, for
example, retain or engage; and the "Company" shall include Case Financial, Inc.
and each of its direct or indirect subsidiaries.

The covenants of Employee set forth in this Section 6 are made in consideration
of the payments made to Employee pursuant to this Agreement, the receipt,
adequacy and sufficiency of which are acknowledged by Employee, and such
covenants have been made by Employee to induce the Company to enter into this
Agreement.

         7. STOCK OPTIONS. In consideration of his services hereunder, Employee
shall be entitled to receive from the Company and the Company shall grant to
Employee concurrently with the execution hereof, an option to purchase up to
225,000 shares of Common Stock at the price of the stock on the close of
business on May 24, 2002 which was the day the transaction with Asia Web
Holdings Inc. closed. The options shall vest equally over a period of three (3)
years (i.e. 6,250 options per month over the 3 years) and shall start to vest as
of the date of this Contract.

         8. OWNERSHIP OF COPYRIGHT; WORK PRODUCT. Employee, in his time and
scope of employment under this Agreement, may create or draft documents
including, but not limited to forms, letters, correspondence, charts, graphs,
spreadsheets, illustrated pictures, digital pictures, photographic pictures,
video presentations and musical compositions related to the business of the
Company. Employee hereby acknowledges that any such documents produced in the
course and scope of the employment relationship are the work product of the
Company and all copyrights, patents, trademarks and all other rights to such
works are owned by the Company. Upon the conclusion of Employee's employment
with the Company, such documents will remain the intellectual property of the
Company and are to remain at the Company's headquarters. Employee agrees to
execute any and all documents reasonably requested by the Company to effect the
provisions of this Section 8.

                                      -5-
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         9. DRUG TESTING. The Company may, at its discretion, require Employee
to submit to drug testing at an appropriate medical facility if Company
management has a reasonable suspicion of Employee's continued use of narcotics
and/or alcohol (collectively "drug use"). If the drug test indicates drug use,
Employee shall be entitled to a second test within seven (7) days of the results
and if the second test indicates use in addition to the first test, or of Lewis
refuses to submit to drug tests, the Company may terminate Lewis immediately.

         10. TERMINATION.

                  (a) TERMINATION OF AGREEMENT. Notwithstanding any other
provision of this Agreement, either party shall have the right to terminate this
Agreement at any time, for any reason, upon 30 days written notice to the other
party.

                  (b) EFFECT OF TERMINATION.

                        (i) TERMINATION WITHOUT CAUSE. In the event the Company
terminates Employee during the term of this Agreement without "cause" (as
defined below), the Company shall (i) continue to pay Employee his Base
Compensation then in effect for the remainder of the term of the Agreement, and
(ii) continue to provide Employee with the stockoptions as outlined in Section 7
of this Agreement . As a condition to the receipt of the Base Compensation and
benefits as set forth in Section 4, Employee shall make diligent efforts to
mitigate his damages by seeking other employment and shall advise the Company of
such efforts made. To the extent Employee receives compensation or benefits from
such other employment or other collateral source, the payment of the Base
Compensation and the benefits pursuant to Section 4 shall be correspondingly
reduced.

                        (ii) TERMINATION FOR CAUSE. In the event of termination
by the Company for cause, or in the event Employee voluntarily terminates this
Agreement, no further payments of any Compensation shall be made to Employee,
except for payment of the Base Compensation then in effect during the 30-day
notice period described in Section 8(a) and except for those options that have
already vested. Employee shall not be entitled to any oprtions that have not
vested as of the time of termination under this Paragraph 10(b). .

                        (iii) CAUSE. For the purposes hereof, "cause" shall be
limited to the following: (i) conviction of a felony; (ii) commission of any
intentional and material act involving fraud or misappropriation of funds,
properties or assets of the Company; (iii) chronic alcoholism, drug addiction or
substance abuse; (iv) failing, or refusing to submit to, a drug test in
accordance with Section 9 of this Agreement, (v) gross negligence in the
performance of Employee's duties hereunder, (vi) gross negligence in the
performance of Employee's duties hereunder which the Board of Directors of the
Company determines to have a material adverse effect on the Company; or (vii)
any material violation of any written policies of the Company which, to the
extent curable, are not cured within thirty (30) days of Employee's receipt of
notice thereof.

                  (c) SURRENDER OF BOOKS AND RECORDS. Upon the termination of
this Agreement, for any reason, Employee shall immediately surrender to the
Company all lists, books, records and other documents incident to the Company's
business and all other property belonging to the Company, it being distinctly
understood that all such lists, books, records and other documents are the
property of the Company.

                                      -7-
<PAGE>

         11. SURVIVAL. Upon the expiration or other termination of this
Agreement, all obligations of the parties shall forthwith terminate, except for
any obligation to pay any fixed sum of money or to grant any Options pursuant to
Section 7 which may have accrued and be due and payable hereunder at the time of
such expiration or other termination and except that the provisions of Section 6
shall continue in full force and effect in accordance with its terms, such
Section containing independent agreements and obligations.

         12. INDEMNITY. The Company agrees to defend, indemnify and hold
harmless Employee from any and all claims, actions, lawsuits or other choses in
action brought against Employee by any person/third party in connection to or
related in any manner whatsoever to Employee's duties, obligations and/or
responsibilities arising out Employee's employment with Company.

         13. INCAPACITY. In the event Employee becomes "incapacitated" (defined
as so seriously injured that Employee is physically and/or mentally unable to
complete his/her duties under the term of the Contract) Company shall agree to
pay at least three (3) months of Employee's compensation and benefits as under
the term and conditions of this Contract from the date Employee is determined to
be "incapacitated." Company retains the right at their expense to have their own
physician(s) or other health care provider(s) examine Employee to determine if
Employee is "incapacitated"

         14. EQUITABLE REMEDIES. The agreements of the parties contained in
Section 6 and 8 are of a special, unique and extraordinary character; the
obligations contained therein shall therefore be enforceable both at law and in
equity, by injunction and otherwise; and the rights and remedies of the Company
and the Employee hereunder with respect thereto shall be cumulative and not
alternative and shall not be exhausted by any one or more uses thereof.

         15. ENTIRE AGREEMENT; WAIVERS AND AMENDMENTS. This Agreement sets forth
the entire agreement between the parties with respect to the terms and
conditions of Employee's employment and any and all matters related thereto, and
any and all prior agreements with respect to any thereof, whether oral or
written, are superseded hereby. Neither this Agreement nor any term or condition
hereof, including, without limitation, the terms and conditions of this
paragraph, may be waived or modified in whole or in part as against the Company
or Employee, as the case may be, except by written instrument signed by an
authorized officer of the Company or by Employee, as the case may be, expressly
stating that it is intended to operate as a waiver or modification of this
Agreement, and any such written waiver by either party of a breach of any
provision of this Agreement shall not operate or be construed as a waiver of any
subsequent breach hereof.

                                      -8-
<PAGE>

         16. NOTICE. Any notice hereunder shall be in writing and shall be
deemed given or delivered two (2) days after it has been mailed by registered or
certified mail, postage prepaid, or one (1) day after being sent by a recognized
national courier service, in each case addressed as follows:

                  If to Company:           Case Financial, Inc.
                                           16000 Ventura Boulevard, Suite 1102
                                           Encino, CA 91436

                  If to Employee:          James Lewis

                                           4804 Gaviota Ave, #207
                                           Encino, CA  91436

except that either party may from time to time by written notice to the other,
designate another address which shall thereupon become his effective address for
the purposes of this Section.

         17. SEVERABILITY. If any term or provision of this Agreement or the
application thereof to any person, property or circumstance shall to any extent
be invalid or unenforceable, the remainder of this Agreement or the application
of such term or provision to persons, property or circumstances other than those
as to which it is invalid or unenforceable, shall not be affected thereby, and
each term and provision of this Agreement shall be valid and enforced to the
fullest extent permitted by law.

         18. NO ASSIGNMENT. This Agreement is personal in nature and the
obligations hereunder may not be assigned by the Company or by Employee without
the prior written consent of the other party hereto; provided, however, that the
provisions hereof shall inure to the benefit of, and be binding upon each
successor of the Company, whether by merger, consolidation, transfer of all or
substantially all of its assets, or otherwise.

         19. GOVERNING LAW. This Agreement shall be construed and enforced in
accordance with the laws of the State of California.

         20. ARBITRATION; VENUE.

                  (a) Subject to the provisions of Section 13 hereof, any
dispute, controversy or claim arising out of, relating to, or in connection
with, this Agreement or the agreements or transactions contemplated hereby shall
be finally settled by arbitration conducted in accordance with the provisions of
this Section 18. The arbitrator shall be a retired judge or practicing attorney
and the arbitration shall be conducted and the arbitrator chosen in accordance
with the rules of the American Arbitration Association (the "AAA") in effect at
the time of the arbitration, except as they may be modified herein or by mutual
agreement of the parties hereto (the "Parties"). If the Parties are unable to
agree on the location of the arbitration within five (5) business days after the
date of delivery of the request of arbitration, the Parties agree the
arbitration will be conducted in Los Angeles County, California. Each Party
hereby irrevocably submits to the jurisdiction of the arbitrator in Los Angeles,
California and waives any defense in an arbitration based upon any claim that
such Party is not subject personally to the jurisdiction of such arbitrator,
that such arbitration is brought in an inconvenient forum or that such venue is
improper.

                                      -9-
<PAGE>

                  (b) The arbitral award shall be in writing and shall be final
and binding on the Parties. The award may include an award of costs, including
reasonable attorneys' fees and disbursements. Judgment upon the award may be
entered by any court having jurisdiction thereof or having jurisdiction over the
Parties or their assets.

                  (c) Any dispute, controversy or claim arising out of, relating
to, or in connection with, this Agreement or the agreements or transactions
contemplated hereby, as well as any arbitration proceeding under this Section
18, shall be deemed to be "Confidential Information," subject to the provisions
of Section 6 of this Agreement.

         21. ATTORNEYS' FEES. In the event of suit, arbitration or other
proceeding between the parties hereto with respect to this Agreement, the
prevailing party shall, in addition to such other relief as may be awarded, be
entitled to reasonable attorneys' fees, expenses and costs of investigation, all
as actually incurred.

         IN WITNESS WHEREOF, the undersigned have executed this Agreement
effective as of the date first set forth above.

                                            CASE FINANCIAL, INC.

                                            By:
                                                --------------------------------
                                                Name:
                                                Title:

                                            /s/ James Lewis
                                            ------------------------------------
                                            JAMES LEWIS

                                      -10-
<PAGE>

                                    EXHIBIT A

                              DESCRIPTION OF DUTIES

         As Vice President of Sales and Marketing, Employee shall report
directly to the President and CEO. Employee's duties shall include but are not
limited to the following in his capacity as Vice President of Sales and
Marketing:

1.       Develop and launch new products or services for the Company.
         a.       Identify customer demand.
         b.       Develop all necessary marketing materials.
         c.       Identify potential customers and markets.
         d.       Coordinate all marketing activities.
         e.       Coordinate all roll-out activities to District Managers
         f.       Develop new distribution channels for sales.

2.       Develop and improve existing relationships with local and regional Bar
         Associations, Trial Lawyers Associations and other professional
         attorney organizations.

3.       Develop and maintain a comprehensive Sales and Marketing Plan

4.       Develop educational courses for MCLE approval.

                                      -11-
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                                    EXHIBIT B

                                OPTION AGREEMENT

                                      -12-<PAGE>
EXHIBIT 10.8

                        CONSENT TO SUB-SUBLEASE AGREEMENT
                        ---------------------------------

                            (15060 VENTURA BOULEVARD)

                  This CONSENT TO SUB-SUBLEASE AGREEMENT (this "AGREEMENT") is
made as of December 16, 2002, by and among ARDEN REALTY FINANCE III, L.L.C., a
Delaware limited partnership ("LANDLORD"), and STOIC CAPITAL CORPORATION, a
California corporation ("TENANT"), and VINCENT KODY PAPPADATO, an individual
("SUBTENANT I") and CASE FINANCIAL, INC., a California corporation ("SUBTENANT
II").

                                R E C I T A L S :
                                - - - - - - - -

                  A. Reference is hereby made to that certain Standard Office
Lease dated September 2, 1999, between Landlord and Tenant (the "LEASE"), for
space on the second floor (the "PREMISES") in that certain office building
located at 15060 Ventura Boulevard, Sherman Oaks, California (the "BUILDING").

                  B. Pursuant to the terms of Article 15 of the Lease, Tenant
has requested Landlord's consent to that certain Standard Sublease, dated June
21, 2002, between Subtenant I and Subtenant II (the "SUBLEASE"), with respect to
a subletting by Subtenant I, as more particularly described in the Sublease (the
"SUBLET PREMISES"). A copy of the Sublease is attached hereto as EXHIBIT "A".
Landlord is willing to consent to the Sublease on the terms and conditions
contained herein.

                  C. Subtenant I and Subtenant II may be jointly referred to
herein as "Subtenant."

                  D. All defined terms not otherwise expressly defined herein
shall have the respective meanings given in the Lease.

                               A G R E E M E N T :
                               - - - - - - - - -

                  1. LANDLORD'S CONSENT. Landlord hereby consents to the
Sublease; provided, however, notwithstanding anything contained in the Sublease
to the contrary, such consent is granted by Landlord only upon the terms and
conditions set forth in this Agreement. The Sublease is subject and subordinate
to the Lease. Neither this Agreement nor the Sublease shall be construed to
modify, waive or amend any of the terms, covenants and conditions of the Lease
or to waive any breach thereof or any of Landlord's rights or remedies
thereunder or to enlarge or increase any obligations of Landlord under the
Lease. Landlord shall not be bound by any of the terms, covenants, conditions,
provisions or agreements of the Sublease.

                  2. NON-RELEASE OF TENANT; FURTHER TRANSFERS. Neither the
Sublease nor this consent thereto shall release or discharge Tenant from any
liability, whether past, present or future, under the Lease or alter the primary
liability of the Tenant to pay the rent and perform and comply with all of the
obligations of Tenant to be performed under the Lease (including the payment of
all bills rendered by Landlord for charges incurred by the Subtenant for
services and materials supplied to the Sublet Premises). Neither the Sublease
nor this consent thereto shall be construed as a waiver of Landlord's right to
consent to any further subletting either by Tenant or by the Subtenant or to any
assignment by Tenant of the Lease or assignment by the Subtenant of the
Sublease, or as a consent to any portion of the Sublet Premises being used or

<PAGE>

occupied by any other party. Landlord may consent to subsequent sublettings and
assignments of the Lease or the Sublease or any amendments or modifications
thereto without notifying Tenant nor anyone else liable under the Lease and
without obtaining their consent. No such action by Landlord shall relieve such
persons from any liability to Landlord or otherwise with regard to the Sublet
Premises.

                  3. RELATIONSHIP WITH LANDLORD. Tenant hereby assigns and
transfers to Landlord the Tenant's interest in the Sublease and all rentals and
income arising therefrom, subject to the terms of this Section 3. Landlord, by
consenting to the Sublease agrees that until a default shall occur in the
performance of Tenant's obligations under the Lease, Tenant may receive, collect
and enjoy the rents accruing under the Sublease. In the event Tenant shall
default in the performance of its obligations to Landlord under the Lease
(whether or not Landlord terminates the Lease), however, Landlord may, at its
option, by giving notice to Tenant, either (i) terminate the Sublease, (ii)
elect to receive and collect, directly from Subtenant, all rent any other sums
owing and to be owed under the Sublease, as further set forth in Section 3.1,
below, and/or (iii) elect to succeed to Tenant's interest in the Sublease, and
cause Subtenant to attorn to Landlord, as further set forth in Section 3.2,
below.

                           3.1 LANDLORD'S ELECTION TO RECEIVE RENTS. Landlord
shall not, by reason of the Sublease, nor by reason of the collection of rents
or any other sums from the Subtenant pursuant to Section 3(ii), above, be deemed
liable to Subtenant for any failure of Tenant to perform and comply with any
obligation of Tenant, and Tenant hereby irrevocably authorizes and directs
Subtenant, upon receipt of any written notice from Landlord stating that a
default exists in the performance of Tenant's obligations under the Lease, to
pay to Landlord the rents and any other sums due and to become due under the
Sublease. Tenant agrees that Subtenant shall have the right to rely upon any
such statement and request from Landlord, and that Subtenant shall pay any such
rents and any other sums to Landlord without any obligation or right to inquire
as to whether such default exists and notwithstanding any notice from or claim
from Tenant to the contrary. Tenant shall not have any right or claim against
Subtenant for any such rents or any other sums so paid by Subtenant to Landlord.
Landlord shall credit Tenant with any rent received by Landlord under such
assignment but the acceptance of any payment on account of rent from the
Subtenant as the result of any such default shall in no manner whatsoever be
deemed an attornment by the Landlord to Subtenant or by Subtenant to Landlord,
be deemed a waiver by Landlord of any provision of the Lease or serve to release
Tenant from any liability under the terms, covenants, conditions, provisions or
agreements under the Lease. Notwithstanding the foregoing, any payment of rent
from the Subtenant directly to Landlord, regardless of the circumstances or
reasons therefor, shall in no manner whatsoever be deemed an attornment by the
Subtenant to Landlord in the absence of a specific written agreement signed by
Landlord to such an effect.

                           3.2 LANDLORD'S ELECTION OF TENANT'S ATTORNMENT. In
the event Landlord elects, at its option, to cause Subtenant to attorn to
Landlord pursuant to Section 3(iii), above, Landlord shall undertake the
obligations of Tenant under the Sublease from the time of the exercise of the
option, but Landlord shall not (i) be liable for any prepayment of more than one
(1) month's rent or any security deposit paid by Subtenant to Tenant, (ii) be
liable for any previous act or omission of Tenant under the Sublease or for any
other defaults of Tenant under the Sublease, (iii) be subject to any defenses or
offsets previously accrued which Subtenant may have against Tenant, or (iv) be
bound by any changes or modifications made to the Sublease without the written
consent of Landlord.

                                       2

<PAGE>

                  4. GENERAL PROVISIONS.

                           4.1 CONSIDERATION FOR SUBLEASE. Tenant and Subtenant
represent and warrant that there are no additional payments of rent or any other
consideration of any type payable by Subtenant to Tenant with regard to the
Sublet Premises other than as disclosed in the Sublease.

                           4.2 BROKERAGE COMMISSION. Tenant and Subtenant
covenant and agree that under no circumstances shall Landlord be liable for any
brokerage commission or other charge or expense in connection with the Sublease
and Tenant and Subtenant agree to protect, defend, indemnify and hold Landlord
harmless from the same and from any cost or expense (including, but not limited
to, attorney's fees) incurred by Landlord in resisting any claim for any such
brokerage commission.

                           4.3 CONTROLLING LAW. The terms and provisions of this
Agreement shall be construed in accordance with and governed by the laws of the
State of California.

                           4.4 BINDING EFFECT. This Agreement shall be binding
upon and inure to the benefit of the parties hereto, their heirs, successors and
assigns. As used herein, the singular number includes the plural and the
masculine gender includes the feminine and neuter.

                           4.5 CAPTIONS. The paragraph captions utilized herein
are in no way intended to interpret or limit the terms and conditions hereof;
rather, they are intended for purposes of convenience only.

                           4.6 PARTIAL INVALIDITY. If any term, provision or
condition contained in this Agreement shall, to any extent, be invalid or
unenforceable, the remainder of this Agreement, or the application of such term,
provision or condition to persons or circumstances other than those with respect
to which it is invalid or unenforceable, shall not be affected thereby, and each
and every other term, provision and condition of this Agreement shall be valid
and enforceable to the fullest extent possible permitted by law.

                           4.7 ATTORNEY'S FEES. If either party commences
litigation against the other for the specific performance of this Agreement,
for damages for the breach hereof or otherwise for enforcement of any remedy
hereunder, the parties hereto agree to and hereby do waive any right to a trial
by jury and, in the event of any such commencement of litigation, the prevailing
party shall be entitled to recover from the other party such costs and
reasonable attorneys' fees as may have been incurred.

                           4.8 LANDLORD'S COSTS. Pursuant to Article 15(b) of
the Lease, upon execution of this Agreement, Subtenant I shall pay to Landlord
Seven Hundred and Fifty Dollars ($750.00) for costs and reasonable attorney's
fees incurred by Landlord in connection with Landlord's review and analysis of
the Sublease.

                                       3

<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Consent to Sublease
Agreement as of the day and year first above written.

                                        "Landlord":

                                        ARDEN REALTY FINANCE III, LLC,
                                        a Maryland limited partnership

                                        By: ARDEN REALTY, INC.,
                                            a Maryland corporation
                                            Its: Sole General Partner

                                            By: /s/ Robert C. Peddicord
                                                --------------------------------
                                                Its: Robert C. Peddicord
                                                     Senior Vice President
                                                     Leasing and Operations

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

                                        "TENANT":

                                        STOIC CAPITAL CORPORATION,
                                        a California corporation

                                        By: /s/ signature
                                            ------------------------------------
                                            Its: President
                                                 -------------------------------

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

                                        "SUBTENANT I":

                                        /s/ Vincent Kody Pappadato
                                        ----------------------------------------
                                        VINCENT KODY PAPPADATO, an individual

                                        "SUBTENANT II":

                                        CASE FINANCIAL, INC.,
                                        a California corporation

                                        By: /s/ signature
                                            ------------------------------------
                                            Its: C.E.O.
                                                 -------------------------------

                                        By: /s/ signature
                                            ------------------------------------
                                            Its: C.I.O.
                                                 -------------------------------

                                        4

<PAGE>

                                    EXHIBIT A
                                    ---------

                                  THE SUBLEASE
                                  ------------

                                   [ATTACHED]

                                    EXHIBIT A

                                        5

<PAGE>

                   AMERICAN INDUSTRIAL REAL ESTATE ASSOCIATION

                                STANDARD SUBLEASE
               (Short-form to be used with post 1995 AIREA leases)
 NOTE: DO NOT USE IF LESS THAN ENTIRE PREMISES ARE BEING SUBLET. FOR SITUATIONS
   WHERE THE PREMISES ARE TO BE OCCUPIED BY MORE THAN ONE TENANT OR SUBTENANT
                USE THE "STANDARD SUBLEASE--MULTI-TENANT" FORM)

1. BASIC PROVISIONS ("BASIC PROVISIONS").

     1.1 PARTIES: This Sublease ("SUBLEASE"), dated for reference purposes only
June 21, 2002, is made and between Vincent Kody Pappadato, an individual
("SUBLESSOR") and Case Financial, Inc. ("SUBLESSEE"), collectively the
"PARTIES", or individually a "PARTY").

     1.2 PREMISES: That certain real property, including all improvements
therein, and commonly known by the street address of 15060 Ventura Boulevard,
Suite 240, Sherman Oaks, California 91403 located in the County of Los Angeles,
State of California and generally described as (describe briefly the nature of
the property) office space consisting of approximately 3,565 rsf. ("PREMISES").

     1.3 TERM: Two (2) years and two (2) months commencing August 1, 2002
("COMMENCEMENT DATE") and ending September 30, 2004 ("EXPIRATION DATE").

     1.4 EARLY POSSESSION: ("EARLY POSSESSION DATE").

     1.5 BASE RENT: $6,773.50 per month ("BASE RENT"), payable on the first
(1st) day of each month commencing July 15, 2002.

     1.6 BASE RENT AND OTHER MONIES PAID UPON EXECUTION:

          (a) BASE RENT: $6,773.50 for the period one month rent.

          (b) SECURITY DEPOSIT: $6,773.50 ("SECURITY DEPOSIT").

          (c) ASSOCIATION FEES: $None for the period _____________________.

          (d) OTHER: $None for ____________________.

          (e) TOTAL DUE UPON EXECUTION OF THIS LEASE: $13,547.00

     1.7 AGREED USE: General office

     1.8 REAL ESTATE BROKERS:

          (a) REPRESENTATION: The following real estate brokers ( the "BROKERS")
     and brokerage relationships exist in this transaction (check applicable
     boxes):

[ ] ______________ represents Sublessor exclusively ("SUBLESSOR'S BROKER");

[ ] ______________ represents Sublessee exclusively ("SUBLESSEE'S BROKER"); or

[X] Grubb & Ellis Company represents both Sublessor and Sublessee ("DUAL
AGENCY").

          (b) PAYMENT TO BROKERS: Upon execution and delivery of this Sublease
     by both Parties, Sublessor shall pay to the Brokers the brokerage fee
     agreed to in a separate written agreement (or if there is no such
     agreement, the sum of *_______________ or __________% of the total Base
     Rent) for the brokerage services rendered by the Brokers. *per listing
     agreement

          1.9 GUARANTOR. The obligations of the Sublessee under this Sublease
shall be guaranteed by None ("Guarantor").

          1.10 ATTACHMENTS. Attached hereto are the following, all of which
constitute a part of this Sublease:
[X] an Addendum consisting of Paragraphs 1 through 10;
[X] a plot plan depicting the Premises;
[ ] a Work Letter;
[X] a copy of the Master Lease;
[X] other (specify): ADA, Haz Mat and Tax Disclosure/Bill of Sale for Furniture.

<PAGE>

2. PREMISES.

     2.1 LETTING. Sublessor hereby subleases to Sublessee, and Sublessee hereby
subleases from Sublessor, the Premises, for the term, at the rental, and upon
all of the terms, covenants and conditions set forth in this Sublease. Unless
otherwise provided herein, any statement of size set forth in this Sublease, or
that may have been used in calculating Rent, is an approximation which the
Parties agree is

                                  Page 1 of 5

<PAGE>

reasonable and any payments based thereon are not subject to revision whether or
not the actual size is more or less. NOTE: SUBLESSEE IS USED TO VERIFY THE
ACTUAL SIZE PRIOR TO EXECUTING THIS SUBLEASE.

     2.2 CONDITION. Sublessor shall deliver the Premises to Sublessee broom
clean and free of debris on the Commencement Date or the Early Possession Date,
whichever first occurs ("START DATE"), and warrants that the existing
electrical, plumbing, fire sprinkler, lighting, heating, ventilating and air
conditioning systems ("HVAC"), and any items which the Sublessor is obligated to
construct pursuant to Work Letter attached hereto, if any, other than those
constructed by Sublessee, shall be in good operating condition on said date. If
a non-compliance with such warranty exists as of the Start Date, or if one of
such systems or elements should malfunction or fail within the appropriate
warranty period, Sublessor shall, as Sublessor's sole obligation with respect to
such matter, except as otherwise provided in this Sublease, promptly after
receipt of written notice from Sublessee setting forth with specificity the
nature and extent of such non-compliance, malfunction or failure, rectify same
at Sublessor's expense. The warranty periods shall be as follows: (i) 6 months
as to the HVAC systems, and (ii) 30 days as to the remaining systems and other
elements. If Sublessee does not give Sublessor the required notice within the
appropriate warranty period, correction of any such non-compliance, malfunction
or failure shall be the obligation of Sublessee at Sublessee's sole cost and
expense.

     2.3 COMPLIANCE. Sublessor warrants that any improvements, alterations or
utility installations made or installed by or on behalf of Sublessor to or on
the Premises comply with all applicable covenants or restrictions of record and
applicable building codes, regulations and ordinances ("APPLICABLE
REQUIREMENTS") in effect on the date that they were made or installed. Sublessor
makes no warranty as to the use to which Sublessee will put the Premises or to
modifications which may be required by the Americans with Disabilities Act or
any similar laws as a result of Sublessee's use. NOTE: SUBLESSEE IS RESPONSIBLE
FOR DETERMINING WHETHER OR NOT THE ZONING AND OTHER APPLICABLE REQUIREMENTS ARE
APPROPRIATE FOR SUBLESSEE'S INTENDED USE, AND ACKNOWLEDGES THAT PAST USES OF THE
PREMISES ANY NO LONGER BE ALLOWED. If the Premises do not comply with said
warranty, Sublessor shall, except as otherwise provided, promptly after receipt
of written notice from Sublessee setting forth with specificity the nature and
extent of such non-compliance, rectify the same.

     2.4 ACKNOWLEDGEMENTS. Sublessee acknowledges that: (a) it has been advised
by Sublessor and/or Brokers to satisfy itself with respect to the condition of
the Premises (including but not limited to the electrical, HVAC and fire
sprinkler systems, security, environmental aspects, and compliance with
Applicable Requirements and the Americans with Disabilities Act), and their
suitability for Sublessee's intended use, (b) Sublessee has made such
investigation as it deems necessary with reference to such matters and assumes
all responsibility therefor as the same relate to its occupancy of the Premises,
and (c) neither Sublessor, Sublessor's agents, nor Brokers have made any oral or
written representations or warranties with respect to said matters other than as
set forth in this Sublease. In addition, Sublessor acknowledges that: (i)
Brokers have made no representations, promises or warranties concerning
Sublessee's ability to honor the Sublease or suitability to occupy the Premises,
and (ii) it is Sublessor's sole responsibility to investigate the financial
capability and/or suitability of all proposed tenants.

     2.5 AMERICANS WITH DISABILITIES ACT. In the event that as a result of
Sublessee's use, or intended use, of the Premises the Americans with
Disabilities Act or any similar law requires modifications or the construction
or installation of improvements in or to the Premises, Building, Project and/or
Common Areas, the Parties agree that such modifications, construction or
improvements shall be made at: [ ] Sublessor's expense [ ] Sublessee's expense.

3. POSSESSION.

     3.1 EARLY POSSESSION. If Sublessee totally or partially occupies the
Premises prior to the Commencement Date, the obligation to pay Base Rent shall
be abated for the period of such early possession. All other terms of this
Sublease (including but not limited to the obligations to pay Sublessee's Share
of Common Area Operating Expenses, Real Property Taxes and insurance premiums
and to maintain the Premises) shall, however, be in effect during such period.
Any such early possession shall not affect the Expiration Date.

     3.2 DELAY IN COMMENCEMENT. Sublessor agrees to use its best commercially
reasonable efforts to deliver possession of the Premises by the Commencement
Date. If, despite said efforts, Sublessor is unable to deliver possession as
agreed, the rights and obligations of Sublessor and Sublessee shall be as set
forth in Paragraph 3.3 of the Master Lease (as modified by Paragraph 7.3 of this
Sublease).

<PAGE>

     3.3 SUBLESSEE COMPLIANCE. Sublessor shall not be required to tender
possession of the Premises to Sublessee until Sublessee complies with its
obligation to provide evidence of insurance. Pending delivery of such evidence,
Sublessee shall be required to perform all of its obligations under this
Sublease from and after the Start Date, including the payment of Rent,
notwithstanding Sublessor's election to withhold possession pending receipt of
such evidence of insurance. Further, if Sublessee is required to perform any
other conditions prior to or concurrent with the Start Date, the Start Date
shall occur but Sublessor may elect to withhold possession until such conditions
are satisfied.

4. RENT AND OTHER CHARGES.

     4.1 RENT DEFINED. All monetary obligations of Sublessee to Sublessor under
the terms of this Sublease (except for the Security Deposit) are deemed to be
rent ("RENT"). Rent shall be payable in lawful money of the United States to
Sublessor at the address stated herein or to such other persons or at such other
places as Sublessor may designate in writing.

     4.2 UTILITIES. Sublessee shall pay for all water, gas, heat, light, power,
telephone, trash disposal and other utilities and services supplied to the
Premises, together with any taxes thereon.

5. SECURITY DEPOSIT. The rights and obligations of Sublessor and Sublessee as to
said Security Deposit shall be as set forth in Paragraph 5 of the Master Lease
(as modified by Paragraph 7.3 of this Sublease).

6. AGREED USE. The Premises shall be used and occupied only for general office
and for no other purpose.

7. MASTER LEASE.

     7.1 Sublessor is the lessee of the Premises by virtue of a lease,
hereinafter the "MASTER LEASE", wherein Arden Realty Finance III, L.L.C. is the
lessor, hereinafter the "MASTER LESSOR".

     7.2 This Sublease is and shall be at all times subject and subordinate to
the Master Lease.

     7.3 The terms, conditions and respective obligations of Sublessor and
Sublessee to each other under this Sublease shall be the terms and conditions of
the Master Lease except for those provisions of the Master Lease which are
directly contradicted by this Sublease in which event the terms of this Sublease
document shall control over the Master Lease. Therefore, for the purposes of
this Sublease, wherever in the Master Lease the word "Lessor" is used it shall
be deemed to mean the Sublessor herein and wherever in the Master Lease the word
"Lessee" is used it shall be deemed to mean the Sublessee herein.

     7.4 During the term of this Sublease and for all periods subsequent for
obligations which have arisen prior to the termination of this Sublease,
Sublessee does hereby expressly assume and agree to perform and comply with, for
the benefit of Sublessor and Master Lessor, each and every obligation of
Sublessor under the Master Lease except for the following paragraphs which are
excluded therefrom: NONE.

     7.5 The obligations that Sublessee has assumed under paragraph 7.4 hereof
are hereinafter referred to as the "Sublessee's Assumed Obligations". The
obligations that sublessee has not assumed under paragraph 7.4 hereof are
hereinafter referred to as the

                                  Page 2 of 5

<PAGE>

"SUBLESSOR'S REMAINING OBLIGATIONS".

     7.6 Sublessee shall hold Sublessor free and harmless from all liability,
judgments, costs, damages, claims or demands, including reasonable attorneys
fees, arising out of Sublessee's failure to comply with or perform Sublessee's
Assumed Obligations.

     7.7 Sublessor agrees to maintain the Master Lease during the entire term of
this Sublease, subject, however, to any earlier termination of the Master Lease
without the fault of the Sublessor, and to comply with or perform Sublessor's
Remaining Obligations and to hold Sublessee free and harmless from all
liability, judgments, costs, damages, claims or demands arising out of
Sublessor's failure to comply with or perform Sublessor's Remaining Obligations.

     7.8 Sublessor represents to Sublessee that the Master Lease is in full
force and effect and that no default exists on the part of any Party to the
Master Lease.

8. ASSIGNMENT OF SUBLEASE AND DEFAULT.

     8.1 Sublessor hereby assigns and transfers to Master Lessor Sublessor's
interest in this Sublease, subject however to the provisions of Paragraph 8.2
hereof.

     8.2 Master Lessor, by executing this document, agrees that until a Default
shall occur in the performance of Sublessor's Obligations under the Master
Lease, that Sublessor may receive, collect and enjoy the Rent accruing under
this Sublease. However, if Sublessor shall Default in the performance of its
obligations to Master Lessor then Master Lessor may, at its option, receive and
collect, directly from Sublessee, all Rent owing and to be owed under this
Sublease. In the event, however, that the amount collected by Master Lessor
exceeds Sublessor's obligations any such excess shall be refunded to Sublessor.
Master Lessor shall not, by reason of this assignment of the Sublease nor by
reason of the collection of the Rent from the Sublessee, be deemed liable to
Sublessee for any failure of the Sublessor to perform and comply with
Sublessor's Remaining Obligations.

     8.3 Sublessor hereby irrevocably authorizes and directs Sublessee upon
receipt of any written notice from the Master Lessor stating that a Default
exists in the performance of Sublessor's obligations under the Master Lease, to
pay to Master Lessor the Rent due and to become due under the Sublease.
Sublessor agrees that Sublessee shall have the right to rely upon any such
statement and request from Master Lessor, and that Sublessee shall pay such Rent
to Master Lessor without any obligation or right to inquire as to whether such
Default exists and notwithstanding any notice from or claim from Sublessor to
the contrary and Sublessor shall have no right or claim against Sublessee for
any such Rent so paid by Sublessee.

     8.4 No changes or modifications shall be made to this Sublease without the
consent of Master Lessor.

9. CONSENT OF MASTER LESSOR.

     9.1 In the event that the Master Lease requires that Sublessor obtain the
consent of Master Lessor to any subletting by Sublessor then, this Sublease
shall not be effective unless, within 10 days of the date hereof, Master Lessor
signs this Sublease thereby giving its consent to this Subletting.

     9.2 In the event that the obligations of the Sublessor under the Master
Lease have been guaranteed by third parties then neither this Sublease, nor the
Master Lessor's consent, shall be effective unless, within 10 days of the date
hereof, said guarantors sign this Sublease thereby giving their consent to this
Sublease.

     9.3 In the event that Master Lessor does give such consent then:
          (a) Such consent shall not release Sublessor of its obligations or
alter the primary liability of Sublessor to pay the Rent and perform and comply
with all of the obligations of Sublessor to be performed under the Master Lease.
          (b) The acceptance of Rent by Master Lessor from Sublessee or any one
else liable under the Master Lease shall not be deemed a waiver by Master Lessor
of any provisions of the Master Lease.
          (c) The consent to this Sublease shall not constitute a consent to any
subsequent subletting or assignment.
          (d) In the event of any Default of Sublessor under the Master Lease,
Master Lessor may proceed directly against Sublessor, any guarantors or any one
else liable under the Master Lease or this Sublease without first exhausting
Master Lessor's remedies against any other person or entity liable thereon to
Master Lessor.

<PAGE>

          (e) Master Lessor may consent to subsequent sublettings and
assignments of the Master Lease or this Sublease or any amendments or
modifications thereto without notifying Sublessor or any one else liable under
the Master Lease and without obtaining their consent and such action shall not
relieve such persons from liability.
          (f) In the event that Sublessor shall Default in its obligations under
the Master Lease, then Master Lessor, at its option and without being obligated
to do so, may require Sublessee to attorn to Master Lessor in which event Master
Lessor shall undertake the obligations of Sublessor under this Sublease from the
time of the exercise of said option to termination of this Sublease but Master
Lessor shall not be liable for any prepaid Rent nor any Security Deposit paid by
Sublessee, nor shall Master Lessor be liable for any other Defaults of the
Sublessor under the Sublease.
          (g) Unless directly contradicted by other provisions of this Sublease,
the consent of Master Lessor to this Sublease shall not constitute an agreement
to allow Sublessee to exercise any options which may have been granted to
Sublessor in the Master Lease (see Paragraph 39.2 of the Master Lease).

     9.4 The signatures of the Master Lessor and any Guarantors of Sublessor at
the end of this document shall constitute their consent to the terms of this
Sublease.

     9.5 Master Lessor acknowledges that, to the best of Master Lessor's
knowledge, no Default presently exists under the Master Lease of obligations to
be performed by Sublessor and that the Master Lease is in full force and effect.

     9.6 In the event that Sublessor Defaults under its obligations to be
performed under the Master Lease by Sublessor, Master Lessor agrees to deliver
to Sublessee a copy of any such notice of default. Sublessee shall have the
right to cure any Default of Sublessor described in any notice of default within
ten days after service of such notice of default on Sublessee. If such Default
is cured by Sublessee then Sublessee shall have the right of reimbursement and
offset from and against Sublessor.

10. ADDITIONAL BROKERS COMMISSIONS.

     10.1 Sublessor agrees that if Sublessee exercises any option or right of
first refusal as granted by Sublessor herein, or any option or right
substantially similar thereto, either to extend the term of this Sublease, to
renew this Sublease, to purchase the Premises, or to lease or purchase adjacent
property which Sublessor may own or in which Sublessor has an interest, then
Sublessor shall pay to Broker a fee in accordance with the schedule of Broker in
effect at the time of the execution of this Sublease. Notwithstanding the
foregoing, Sublessor's obligation under this Paragraph is limited to a
transaction in which Sublessor is acting as a Sublessor, lessor or seller.

     10.2 Master Lessor agrees that if Sublessee shall exercise any option or
right of first refusal granted to Sublessee by Master Lessor in connection with
this Sublease, or any option or right substantially similar thereto, either to
extend or renew the Master Lease, to purchase the Premises or any part thereof,
or to lease or purchase adjacent property which Master Lessor may own or in
which Master Lessor has an interest, or if Broker is the procuring cause of any
other lease or sale entered into between Sublessee and Master Lessor pertaining
to the Premises, any part thereof, or any adjacent property which Master Lessor
owns or in which it has an interest, then as to any of said transactions, Master
Lessor shall pay to Broker a fee, in cash, in accordance with the schedule of
Broker in effect at the time of :he execution of this Sublease.

     10.3 Any fee due from Sublessor or Master Lessor hereunder shall be due and
payable upon the exercise of any option to extend or renew, upon the execution
of any new lease, or, in the event of a purchase, at the close of escrow.

     10.4 Any transferee of Sublessor's interest in this Sublease, or of Master
Lessor's interest in the Master Lease, by accepting an assignment thereof, shall
be deemed to have assumed the respective obligations of Sublessor or Master
Lessor under this Paragraph 10. Broker shall be deemed to be a third-party
beneficiary of this paragraph 10.

11. REPRESENTATIONS AND INDEMNITIES OF BROKER RELATIONSHIPS. The Parties each
represent and warrant to the other that it has had no dealings with any person,
firm, broker or finder (other than the Brokers, if any) in connection with this
Sublease, and that no one other than said named Brokers is entitled to any
commission or finder's fee in connection herewith. Sublessee and Sublessor do
each hereby agree to indemnify, protect, defend and hold the other harmless from
and against liability for compensation or charges which may be claimed by any
such unnamed broker, finder or other similar party by reason of any dealings or
actions of the indemnifying Party, including

                                  Page 3 of 5

<PAGE>

costs, expenses, attorneys' fees reasonably incurred with respect thereto.

12. ATTORNEY'S FEES. If any Party or Broker brings an action or proceeding
involving the Premises whether founded in tort, contract or equity, or to
declare rights hereunder, the Prevailing Party (as hereafter defined) in any
such proceeding, action, or appeal thereon, shall be entitled to reasonable
attorneys' fees. Such fees may be awarded in the same suit or recovered in a
separate suit, whether or not such action or proceeding is pursued to decision
or judgment. The term, "Prevailing Party" shall include, without limitation, a
Party or Broker who substantially obtains or defeats the relief sought, as the
case may be, whether by compromise, settlement, judgment, or the abandonment by
the other Party or Broker of its claim or defense. The attorneys' fees award
shall not be computed in accordance with any court fee schedule, but shall be
such as to fully reimburse all attorneys' fees reasonably incurred. In addition,
Sublessor shall be entitled to attorneys' fees, costs and expenses incurred in
the preparation and service of notices of Default and consultations in
connection therewith, whether or not a legal action is subsequently commenced in
connection with such Default or resulting Breach ($200 is a reasonable minimum
per occurrence for such services and consultation).

13. NO PRIOR OR OTHER AGREEMENTS; BROKER DISCLAIMER. This Sublease contains all
agreements between the Parties with respect to any matter mentioned herein, and
no other prior or contemporaneous agreement or understanding shall be effective.
Sublessor and Sublessee each represents and warrants to the Brokers that it has
made, and is relying solely upon, its own investigation as to the nature,
quality, character and financial responsibility of the other Party to this
Sublease and as to the use, nature, quality and character of the Premises.
Brokers have no responsibility with respect thereto or with respect to any
default or breach hereof by either Party. The liability (including court costs
and attorneys' fees), of any Broker with respect to negotiation, execution,
delivery or performance by either Sublessor or Sublessee under this Sublease or
any amendment or modification hereto shall be limited to an amount up to the fee
received by such Broker pursuant to this Sublease; provided, however, that the
foregoing limitation on each Broker's liability shall not be applicable to any
gross negligence or willful misconduct of such Broker.

ATTENTION: NO REPRESENTATION OR RECOMMENDATION IS MADE BY THE AMERICAN
INDUSTRIAL REAL ESTATE ASSOCIATION OR BY ANY REAL ESTATE BROKER AS TO THE LEGAL
SUFFICIENCY, LEGAL EFFECT, OR TAX CONSEQUENCES OF THIS SUBLEASE OR THE
TRANSACTION TO WHICH IT RELATES. THE PARTIES ARE URGED TO:

1. SEEK ADVICE OF COUNSEL AS TO THE LEGAL AND TAX CONSEQUENCES OF THIS SUBLEASE.

2. RETAIN APPROPRIATE CONSULTANTS TO REVIEW AND INVESTIGATE THE CONDITION OF THE
PREMISES. SAID INVESTIGATION SHOULD INCLUDE BUT NOT BE LIMITED TO: THE POSSIBLE
PRESENCE OF HAZARDOUS SUBSTANCES, THE ZONING OF THE PROPERTY, THE STRUCTURAL
INTEGRITY, THE CONDITION OF THE ROOF AND OPERATING SYSTEMS, AND THE SUITABILITY
OF THE PREMISES FOR SUBLESSEES INTENDED USE.

WARNING: IF THE SUBJECT PROPERTY IS LOCATED IN A STATE OTHER THAN CALIFORNIA,
CERTAIN PROVISIONS OF THE SUBLEASE MAY NEED TO BE REVISED TO COMPLY WITH LAWS OF
THE STATE IN WHICH THE PROPERTY IS LOCATED

Executed at: Sherman Oaks, CA              Executed at: Encino, CA
on: 7-9-02                                 on: 7-2-02

By Sublessor:                              By Sublessee:
Vincent Kody Pappadato, an individual      Case Financial, Inc.

By: /s/ Vincent Pappadato                  By: /s/ Eric A. Alden
Name Printed: Vincent Pappadato            Name Printed: Eric A. Alden
Title:                                     Title: C.E.O.

By:                                        By:
Name Printed:                              Name Printed:
Title:                                     Title:
Address:                                   Address:
Telephone/Facsimile:                       Telephone/Facsimile:
Federal ID No.                             Federal ID No.

<PAGE>

BROKER:                                    BROKER:
Grubb & Ellis Company                      Grubb & Ellis Company
Attn: Sam Monempour, Chris Baer            Attn: Stella Lee
Title:                                     Title:
Address: 15260 Ventura Blvd., Ste 1800     Address: 15260 Ventura Blvd.,
Sherman Oaks, CA 91403                     Ste. 1800 Sherman Oaks, CA 91403
Telephone/Facsimile: 818-332-2000/         Telephone/Facsimile: 818-332-2000/
                     818-788-6219                               818-788-6219
Federal ID No.                             Federal ID No.

Consent to the above Sublease is hereby given.

Executed at:                               Executed at:
on:                                        on:

By Master Lessor:                          By Guarantor(s):

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

                                  Page 4 of 5

<PAGE>

                                           By:
-------------------------------------      Name Printed:

By:                                        Address:
Name Printed:
Title:

By:                                        By:
Name Printed:                              Name Printed:
Title:                                     Address:
Address:

Telephone/Facsimile:
Federal ID No.

NOTE: These forms are often modified to meet changing requirements of law and
needs of the industry. Always write or call to make sure you are utilizing the
most current form: AMERICAN INDUSTRIAL REAL ESTATE ASSOCIATION, 700 So. Flower
St., Suite 600, Los Angeles, CA 90017. (213) 687-8777.

(C)Copyright 1997 By American Industrial Real Estate Association. All rights
reserved. No part of these works may be reproduced in any form without
permission in writing.

                                  Page 5 of 5

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