Document:

LEASE BETWEEN

                               G.S. 505 PARK, LLC

                                       AND

                          CONTINENTAL CHOICE CARE, INC.

                   PREMISES: PORTION OF THE SECOND (2ND) FLOOR
                                 505 PARK AVENUE
                               NEW YORK, NEW YORK

                     This draft lease, any other draft lease, and/or any
correspondence, writings, communications or other documents
delivered or exchanged between Landlord and Tenant shall in no event be deemed
to be an offer or an agreement to lease or to enter into a lease on the terms
set forth herein or otherwise and no lease, or agreement to lease, shall be
binding on either Landlord or Tenant except and until as expressly set forth in
Section 45(J) of this draft lease.

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                                        1

                                TABLE OF CONTENTS

LEASE
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ARTICLE                                                                PAGE NO.
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1.   COMMENCEMENT OF TERM:...................................................1
2.   OCCUPANCY:..............................................................2
3.   RENT:...................................................................3
4.   DEFINITIONS:............................................................3
5.   AJUSTMENTS OF RENT:.....................................................4
6.   LATE PAYMENT CHARGE:....................................................7
7.   ALTERATIONS:............................................................7
8.   SERVICES PROVIDED BY LANDLORD - REPAIRS, WATER,
     ELEVATORS, HEAT, CLEANING, AIR CONDITIONING.............................9
9.   WINDOW CLEANING:........................................................10
10.  REQUIREMENTS OF LAW, FIRE INSURANCE, FLOOR LOADS:.......................10
11.  SUBORDINATION:..........................................................11
12.  PROPERTY - LOSS, DAMAGE, REIMBURSEMENT, INDEMNITY:......................12
13.  DESTRUCTION, FIRE AND OTHER CASUALTY:...................................13
14.  EMINENT DOMAIN:.........................................................14
15.  ASSIGNMENT, MORTGAGE, ETC.:.............................................14
16.  ELECTRIC CURRENT:.......................................................16
17.  ACCESS TO PREMISES:.....................................................17
18.  VAULT, VAULT SPACE, AREA:...............................................18
19.  BANKRUPTCY:.............................................................18
20.  DEFAULT:................................................................19
21.  REMEDIES OF LANDLORD AND WAIVER OR REDEMPTION:..........................19
22.  FEES AND EXPENSES:......................................................20
23.  NO REPRESENTATIONS BY LANDLORD:.........................................21
24.  END OF TERM:............................................................21
25.  QUIET ENJOYMENT:........................................................21
26.  FAILURE TO GIVE POSSESSION:.............................................21
27.  NO WAIVER:..............................................................22
28.  WAIVER OF TRIAL BY JURY:................................................22
29.  INABILITY TO PERFORM:...................................................22
30.  CAPTIONS:...............................................................22
31.  ADJACENT EXCAVATION - SHORING:..........................................23
32.  RULES AND REGULATIONS:..................................................23
33.  SECURITY:...............................................................23
34.  SUCCESSORS AND ASSIGNS:.................................................24
35.  INSURANCE:..............................................................24
36.  BROKERAGE:..............................................................25
37.  ESTOPPEL CERTIFICATE:...................................................25
38.  HOLDING OVER:...........................................................25
39.  NOTICES:................................................................26
40.  CHANGE OF LOCATION:.....................................................26
41.  LANDLORD'S CONTRIBUTION:................................................27
42.  CERTAIN RIGHTS RESERVED TO LANDLORD:....................................28
43.  HAZARDOUS MATERIALS:....................................................28
44.  CONDOMINIUM CONVERSION:.................................................28
45.  MISCELLANEOUS:..........................................................29

EXHIBIT A - LEASED PREMISES

EXHIBIT B - RULES AND REGULATIONS

EXHBIT C - LEASE COMMENCEMENT AGREEMENT

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           AGREEMENT OF LEASE, made as of this 25th day of July, 2000, between
G.S. 505 PARK, LLC having an address c/o Glorious Sun (New York) Inc., 70 West
40th Street, 3rd Floor, New York, New York 10018, party of the first part
(hereinafter referred to as "Landlord" or as "Owner"), and CONTINENTAL CHOICE
CARE, INC., a New Jersey corporation, having an address at 44 Aspen Drive,
Livingston, New Jersey 07039, party of the second part (hereinafter referred to
as "Tenant"),

           WITNESSETH: Landlord hereby leases to Tenant and Tenant hereby hires
from Landlord a portion of the second (2nd) floor substantially as shown on the
floor plan annexed hereto as Exhibit A and made a part hereof (the "Premises,"
"premises" or "demised premises") in the building known as 505 Park Avenue, New
York, New York (the "Building" or "building"; said Building together with the
land on which it is located (the "Land") and all other improvements thereon
being called the "Property"), on the terms and conditions hereinafter set forth.

           The parties hereto, for themselves, their heirs, distributees,
executors, administrators, legal representatives, successors and assigns, hereby
covenant as follows:

COMMENCEMENT OF TERM:

           1. (A) The term of this Lease (the "Term" or "term" shall commence on
a date (the "Commencement Date") which is the earlier to occur of (i) the date
Landlord delivers vacant possession of the Premises to Tenant, or (ii) the date
Tenant or anyone claiming by, under or through Tenant shall first occupy any
part of the Premises for any purpose including the preparation of the same for
Tenant's initial occupancy, and shall end on the last day of the month in which
occurs the day preceding the eight (8) year one (1) month anniversary of the
Commencement Date (the "Expiration Date") or until such term shall sooner cease
and terminate as herein provided. In no event shall the Commencement Date occur
prior to August 1, 2000. When the Commencement Date has been determined by
Landlord, at Landlord's request, Tenant shall within ten (10) days after such
request, execute a written agreement, substantially in the form annexed hereto
as Exhibit C. Any failure of Landlord to send, or Tenant to execute such written
agreement shall not affect the validity of the Commencement Date as fixed and
determined by Landlord as aforesaid.

           (B) Tenant shall accept possession of the Premises in its "as is"
condition. Landlord shall be under no obligation to make any changes,
improvements, or alterations to the Premises to prepare the same for Tenant's
occupancy. The taking of occupancy of the whole or any part of the Premises by
Tenant shall be conclusive evidence as against Tenant and Tenant shall have
accepted possession of the Premises and that the Premises shall be in good and
satisfactory condition at the time such occupancy shall be no taken.

           (C) Tenant acknowledges that the Premises currently is leased to
another tenant, and that such lease is due and expire on July 31, 2003; however,
Landlord has reached an agreement which such tenant for the surrender of the
Premises by July 31, 2000 and is currently preparing a written agreement to
document such surrender. Notwithstanding anything herein to the contrary, if
Landlord fails to deliver vacant possession of the Premises to Tenant on or
before October 31, 2000 (the "Outside Date"), either party may, as its sole and
exclusive remedy, terminate this Lease upon prior written notice to the other
party (the "Cancellation Notice") which notice must be received by Landlord or
Tenant, as the case may be, no later than five (5) days after the Outside Date
(time being of the essence). If either party so elects to terminate this Lease,
the same will be deemed cancelled and terminated upon the other party's receipt
of the Cancellation Notice and neither party shall have any further liability to
the other hereunder, except pursuant to those provisions which expressly survive
the expiration or sooner termination of this Lease. Notwithstanding anything
herein to the contrary, if Landlord delivers vacant possession of the Premises
to Tenant prior to Landlord's receipt of Tenant's Cancellation Notice, Tenant's
Cancellation Notice shall be null and void and of no force or effect and this
Lease shall remain in full force and effect. The provisions of this Section are
intended to constitute "and express provision to the contrary" within the
meaning of Section 223-a of the New York Real Property Law.

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OCCUPANCY:

           2. (A) Tenant shall use and occupy the Premises for executive and
general offices and for no other purpose whatsoever. Tenant shall not use the
Premises or any part thereof for:

           (i)    sale at retail of any products or materials;

           (ii)   the conduct of a public auction of any kind;

           (iii)  the conduct of a bank, trust company, savings bank, safe
                  deposit, savings and loan association or bank or any branches
                  of any of the foregoing or a loan company business;

           (iv)   the issuance and sale of traveler's checks, foreign drafts,
                  letters of credit, foreign exchange or domestic money order or
                  the receipt of money for transmission;

           (v)    an employment agency;

           (vi)   product display activities (such as those of a manufacturer's
                  representative);

           (vii)  offices or agencies of a foreign government or political
                  subdivisions thereof;

           (viii) offices of any governmental bureau or agency of the United
                  States or any state or political subdivision thereof;

           (ix)   offices of any public utility company, other than corporate,
                  executive or legal staff offices;

           (x)    data processing services rendered primarily to others than
                  Tenant and which are not strictly ancillary to Tenant's
                  business;

           (xi)   health care professionals;

           (xii)  schools or other training or educational uses (other than
                  those which are strictly ancillary to Tenant's business, such
                  as training of Tenant's personnel);

           (xiii) clerical support concerns rendering clerical support services
                  primarily to others than Tenant or performing functions other
                  than those which are strictly ancillary to Tenant's business;

           (xiv)  reservation centers for airlines or for travel agencies;

           (xv)   broadcasting centers for communications firms, such as radio
                  and television stations, and

           (xvi)  any other use or purposes which, (i) in the reasonable
                  judgment of Landlord, is not in keeping with the character and
                  dignity of the Property or (ii) involves the receiving of the
                  general public for the purpose of the dispensing of any
                  services provided by Tenant.

           (B) Tenant will not make or permit to be made any use of the Premises
or any part thereof which would violate any of the covenants, agreements, terms,
provisions and conditions of this Lease or which directly or indirectly is
forbidden by public law, ordinance or governmental regulations or which may be
dangerous to life, limb, or property, or which may invalidate or increase the
premium cost of any policy of insurance carried on the Property or concerning
its operation, or which will suffer or permit the Premises or any part thereof

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to be used in any manner, or anything to be brought into or kept therein, which,
in the reasonable judgment of Landlord, shall in any way impair or tend to
impair the character, reputation or appearance of the Property as a high quality
office building, or which will impair or interfere or tend to impair or
interfere with any of the services performed by Landlord for the Property. In
any event, Landlord makes no representation as to the condition of the Premises
and Tenant agrees to accept the same subject to violations whether or not of
record.

RENT:

           3. (A) Tenant shall pay Minimum Rent (as hereinafter defined) at an
annual rental rate as hereinafter provided, together with all other sums of
money as shall become due and payable by Tenant under this Lease (hereinafter
called "additional rent" or "Additional Rent") which Tenant agrees to pay in
lawful money of the United States which shall be legal tender in payment of all
debts and dues, public and private, at the time of payment, in equal monthly
installments in advance on the first day of each month during said term, at the
office of Landlord or such other place as Landlord may designate, without any
set off or deduction whatsoever, except that Tenant shall pay the first full
monthly installment(s) on the execution hereof (unless this Lease be a renewal).
In the event that, at the commencement of the term of this Lease, or thereafter,
Tenant shall be in default in the payment of rent to Landlord pursuant to the
terms of another lease with Landlord or with Landlord's predecessor in interest,
Landlord may at Landlord's option and without notice to Tenant add the amount of
such arrearages to any monthly installment of rent payable hereunder and the
same shall be payable to Landlord as additional rent. The Minimum Rent and
Additional Rent are collectively referred to herein as the "rent."

           (B) Tenant shall pay minimum annual rent, inclusive of any payment
for electricity pursuant to Article 16 hereof (the "Minimum Rent"), as follows:

                  (i) Two Hundred Twelve Thousand Ninety-Seven and 00/100
           Dollars ($212,097.00) per annum for the period beginning on the
           Commencement Date and ending on the last day of the month preceding
           the month in which occurs the fourth (4th) anniversary of the
           Commencement Date payable in advance in equal monthly installments of
           $17,674.75; and

                  (ii) Two Hundred Twenty-Three Thousand Two Hundred Sixty and
           00/100 Dollars ($223,260.00) per annum for the period beginning on
           the first day of the month in which occurs the fourth (4th)
           anniversary of the Commencement Date and ending on the Expiration
           Date, payable in advance in equal monthly installments of $18,065.00.

           (C) If the Minimum Rent hereunder shall commence on any day other
than the first day of a calendar month, the Minimum Rent for such calendar month
shall be prorated.

           (D) Notwithstanding the foregoing, the Minimum Rent payable by Tenant
in an amount equal to $16,744.50 per month (the "Abatement Amount") shall be
abated for a period of one (1) month beginning on the Commencement Date
(hereinafter called the "Abatement Period"). Tenant acknowledges, however, that
if this Lease shall terminate due to a default by Tenant hereunder or if this
Lease shall be rejected in the case of a bankruptcy, the Minimum Rent otherwise
abated pursuant to this paragraph shall be immediately due and payable.

DEFINITIONS:

           4. The following definitions shall have the meanings set forth below:

           (A) The term "office," or "offices", wherever used in this Lease,
shall not be construed to mean premises used as a store or stores, for the sale
or display, at any time, of goods, wares or merchandise, of any kind, or as a
restaurant, shop, booth, bootblack or other stand, barber shop, or for other
similar purposes or for manufacturing. The term "Landlord" as used in this Lease
means only the owner, or the mortgagee in possession, for the time being of the
Land and building (or the owner of a lease of the building or of the Land and
building) so that in the event of a sale or lease of said building, or of the
Land and building, the said Landlord shall be and hereby is entirely freed and
relieved of all covenants and obligations of Landlord hereunder, and it shall be
deemed and construed without further agreement between the parties or their

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successors in interest, or between the parties and the purchaser, at any such
sale, or the said lessee of the building, or of the land and building, that the
purchaser or the lessee of the building has assumed and agreed to carry out any
and all covenants and obligations of Landlord, hereunder, the words "re-enter"
and "re-entry" as used in this Lease are not restricted to their technical legal
meaning. The term "business days" as used in this Lease shall exclude Saturdays,
Sundays and all days observed by the State or Federal Government as legal
holidays and those designated as holidays by the applicable building service
union employees service contract or by the applicable Operating Engineers
contract with respect to HVAC service.

           (B) "Brokers" shall mean Cushman & Wakefield, Inc. and Norman Bobrow
& Co.

           (C) "Legal Requirements" shall mean all laws, codes, statutes and
ordinances and the orders, rules, regulations, directives and requirements of
all federal, state, county, city and borough departments, bureaus, boards,
agencies, offices, commissions and other subdivisions thereof, or of any
official thereof, or of any other governmental public or quasi-public authority,
whether now or hereafter in force.

           (D) "Prime Rate" shall mean the annual interest rate that is three
(3%) percent per annum above the then published prime interest rate upon
unsecured loans charged by The Chase Manhattan Bank, N.A. on loans of 90 days.

ADJUSTMENTS OF RENT:

           5. (A) Definitions as used herein:

              (i) "TAXES" shall mean (1) the amount finally determined to be
           legally payable, by legal proceedings or otherwise, (2) of all real
           estate taxes or other taxes imposed in substitution thereof,
           assessments (including for any Business Improvement District), and
           other governmental impositions and charges of every kind whatsoever,
           nonrecurring as well as recurring, special or extraordinary as well
           as ordinary, foreseen and unforeseen, and each and every installment
           thereof, which shall be levied, assessed or imposed, or become due
           and payable or become liens upon, or arise in connection with the
           use, occupancy or possession of, the Property or any part thereof or
           interest therein during the term of this Lease, and (3) all costs and
           expenses (including reasonable attorneys' fees and disbursements)
           incurred by Landlord in contesting the assessment of the Property for
           real estate tax purposes or in otherwise contesting the amount of any
           of the real estate taxes or other governmental charges described
           above. If, due to a change in the method of taxation, a new or
           additional tax, however designated, shall be levied against Landlord,
           and/or the Property, in addition to or in substitution, in whole or
           in part, for any tax which would otherwise constitute "Taxes", or in
           lieu of additional Taxes, such tax or imposition shall be deemed for
           the purposes hereof to be included within the term "Taxes". Anything
           to the contrary herein notwithstanding, Taxes shall not be deemed to
           include any franchise or income tax imposed upon or assessed against
           Landlord, unless such taxes are levied, assessed or imposed in lieu
           of or as a substitute for the whole or any part of the taxes,
           assessments, levies or impositions that now constitute Taxes.

              (ii) "Tax Base" shall mean the average of (i) the Taxes for the
           July 1, 1999 to June 30, 2000 Tax Year and (ii) the Taxes for the
           July 1, 2000 to June 30, 2001 Tax Year.

              (iii) "Tenant's Proportionate Share" shall mean 1.69%. (iv) "Tax
           Year" shall mean each period of twelve months, commencing on the
           first day of July, in which occurs any part of the Term or such other
           period as may hereafter be adopted as the fiscal year for real estate
           tax purposes of The City of New York.

              (v) "Landlord's Tax Statement" shall mean an annual statement
           setting forth the amount payable by Tenant for a specified Tax Year
           pursuant to this Article 5.

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              (vi) "Operating Year" shall mean each calendar year, subsequent to
           the calendar year 2000, in which occurs any part of the term of this
           Lease.

              (vii) "Base Wage Rate" shall mean the Wage Rate for the calendar
           year 2000.

              (viii) "Wage Rate Multiple" shall mean 3,721.

              (ix) "Wage Rate" shall mean with respect to any Operating Year the
           regular average hourly wage rate required to be paid to Porters in
           Class A Office Building pursuant to any agreement between the
           Building or the Realty Advisory Board on Labor Relations,
           Incorporated or any successor thereto (hereinafter referred to as
           "R.A.B.") and Local 32B/32J of the Building Service Employees
           International Union AFL-CIO, or any successor thereto (hereinafter
           referred to as "Local 32B") in effect during such Operating Year,
           provided that if any such agreement shall require Porters to be
           regularly employed on days or during hours when overtime or other
           premium pay rates are in effect, then the term "regular average
           hourly wage rate" shall mean the regular average hourly wage rate for
           the hours in a calendar week in which Porters are required to be
           regularly employed (whether or not actually at work in the Building).
           The computation of the regular average hourly wage rate shall be on
           the same basis whether based on an hourly or other pay scale but
           predicated on the number of hours in such respective work weeks,
           whether paid by Landlord or any independent contractor. Such regular
           average hourly wage rate shall be exclusive of so-called "fringe
           benefits". If there is no such agreement in effect as of the date of
           any Landlord's Statement on which such regular average hourly wage
           rate is determinable, the computations shall be made on the basis of
           the regular average hourly wage rate being paid by Landlord or by the
           contractor performing porter or cleaning services for Landlord as of
           the date of such Landlord's Statement and appropriate retroactive
           adjustments shall be made when the regular average hourly wage rate
           paid as of such Landlord's Statement is finally determined. If length
           of service shall be a factor in determining any element of wages or
           fringe benefits, such as vacation pay, it shall be conclusively
           presumed that all employees have five years of service, and no
           probationary period shall be included. The Wage Rate is intended to
           be an index in the nature of a cost of living index, and is not
           intended to reflect the actual costs of wages or expenses for the
           Building.

              (x) "Class A Office Buildings" shall mean office buildings in the
           same class or category as the Building under any building operating
           agreement between R.A.B. and Local 32B, regardless of the designation
           given to such office buildings in any such agreement.

              (xi) "Landlord's Operating Statement" shall mean an annual
           statement setting forth the amount payable by Tenant for a specified
           Operating Year pursuant to this Article 5.

           (B) PAYMENTS - TAX ESCALATIONS.

              (i) If Taxes payable in any Tax Year shall exceed the Tax Base,
           Tenant shall pay as additional rent a sum (hereinafter referred to as
           "Tenant's Tax Payment") equal to Tenant's Proportionate Share of the
           amount by which the Taxes for such Tax Year exceed the Tax Base.

              (ii) Landlord may bill Tenant monthly for one-twelfth (1/12th) of
           the estimated increases in the current year in Taxes over the Tax
           Base. Any refund due Tenant resulting from over-estimates of actual
           Taxes shall be made within 45 days of receipt of actual tax amounts.
           Landlord shall have the sole right to institute tax reduction
           proceedings.

              (iii) If the Tax Year shall be changed during the Term, any Taxes
           for such fiscal year, a part of which is included within a particular
           Tax Year and a part of which is not so included, shall be equitably
           apportioned.

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              (iv) If the Tax Base is reduced as a result of a certiorari
           proceeding or otherwise, the Taxes as so reduced shall for all
           purposes be deemed to be the Taxes comprising the Tax Base and
           Landlord shall give notice to Tenant of the amount by which Tenant's
           Tax Payments previously made were less than the Tenant's Tax Payments
           required to be made under this Article, and Tenant shall pay as
           additional rent the amount of the deficiency within ten (10) days
           after demand therefor.

           (C) PAYMENTS - PORTER WAGE ESCALATION.

              (i) If the Wage Rate for any Operating Year shall be greater than
           the Base Wage Rate, then Tenant shall pay to Landlord as Additional
           Rent an amount equal to one times the product obtained by multiplying
           the difference between the Wage Rate for such Operating Year and the
           Base Wage Rate (inclusive of any fractions of a cent), by the Wage
           Rate Multiple (hereinafter called "Tenant's Wage Rate Payment"). Any
           payment made pursuant to the provisions of this Section shall be
           effective as of, and retroactive to, if necessary, the date of any
           such increase in the Wage Rate (and shall remain in effect until a
           new adjustment becomes effective).

              (ii) On the first day of each month following the rendition by
           Landlord of each Landlord's Operating Statement pursuant to this
           Section, Tenant shall pay to Landlord a sum equal to one-twelfth
           (1/12th) of Tenant's Wage Rate Payment multiplied by the number of
           months of the then current Operating Year which shall have already
           elapsed and thereafter on the first day of each succeeding month,
           Tenant shall pay to Landlord on account of the estimated Additional
           Rent for the Operating Year following the Operating Year for which
           Landlord's Operating Statement shall have been rendered a sum equal
           to one-twelfth (1/12th) of Tenant's Wage Rate Payment shown on such
           Landlord's Operating Statement. Such Additional Rent shall become due
           and payable at the same time as each monthly installment of Minimum
           Rent. In the event that by reason of any Legal Requirement, an
           increase in the Wage Rate for any Operating Year is reduced or does
           not take effect, or increases in the Wage Rate for any Operating Year
           are limited or prohibited, then during the period beginning on the
           effective date of any such Legal Requirement and ending on the date
           that such Legal Requirement shall cease to be in effect (hereinafter
           called the "Control Period"), the Wage Rate for purposes of Tenant's
           Wage Rate Payment shall be deemed to increase for each Operating Year
           during the Control Period that the Wage Rate is affected by such
           Legal Requirement at the same annual rate that the same increased for
           the Operating Year immediately preceding the first Operating Year
           affected by such Legal Requirement.

           (D) In the event that the date of the expiration or other termination
of this Lease shall be a day other than the last day of a Tax Year or an
Operating Year, then, in such event, in applying the provisions of this Article
with respect to any Tax Year (for the purpose of calculating Tenant's share of
Taxes) or Operating Year (for the purpose of calculating Tenant's Wage Rate
Payment), appropriate adjustments shall be made to reflect the occurrence of
such event on a basis consistent with the principles underlying the provisions
of this Article taking into consideration that the expiration date of this Lease
occurred during a partial lease year.

           (E) In no event shall the Minimum Rent ever be reduced by operation
of this Article 5. Landlord's failure to render a Landlord's Tax Statement with
respect to any Tax Year or a Landlord's Operating Statement with respect to any
Operating Year, respectively, shall not prejudice Landlord's right to thereafter
render a Landlord's Tax Statement or Landlord's Operating Statement with respect
thereto or with respect to any subsequent Tax Year or Operating Year.

           (F) Each of Landlord's Tax Statements and Landlord's Operating
Statements shall be conclusive and binding upon Tenant unless (i) pending the
determination of such dispute by agreement or otherwise, Tenant shall pay
additional rent in accordance with the applicable Landlord's Tax Statement
and/or Landlord's Operating Statement, as the case may be, without prejudice to
Tenant's position, and (ii) within thirty (30) days after receipt of such
Landlord's Tax Statement and/or Landlord's Operating Statement, Tenant shall
notify Landlord in writing that it disputes the correctness thereof, which
notice shall specify the particular respects in which the disputed Statement is
inaccurate. Tenant shall have the right, during reasonable business hours and

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upon not less than the (10) business days' prior written notice to Landlord, to
examine Landlord's books and records with respect to any Landlord's Tax
Statement or Landlord's Operating Statement, provided that (a) such examination
in commenced within sixty (60) days and concluded within ninety (90) days
following the rendition of the Statement in question, (b) such examination may
only be conducted by full-time, regular employees of an independent, reputable,
certified public accounting firm, and such firm is not being compensated by
Tenant for such services on a contingency or success fee basis and (c) Tenant
and such accounting firm deliver a confidentiality agreement to Landlord with
respect to such dispute and such examination in form and substance satisfactory
to Landlord.

           (G) Tenant's obligations under this Article shall survive the
expiration or earlier termination of the term of this Lease.

LATE PAYMENT CHARGE:

           6. (A) If Tenant shall fail to make any payment of Minimum Rent or
Additional Rent for more than five (5) days after the same is due and payable,
Tenant shall pay a late payment charge of $.05 for each $1.00 which remains
unpaid to compensate Landlord for additional expenses in processing such late
payment. In addition, if Tenant fails to pay any Minimum Rent or Additional Rent
when due, Tenant shall pay interest thereon from the date due until the date
paid at an annual rate of 10%, and such interest shall be deemed to be
Additional Rent hereunder.

           (B) If any check of Tenant shall be returned for insufficient funds,
there shall be an additional charge to Tenant of $50.00 and, thereafter, at the
request of Landlord, Tenant shall make all payments required hereunder by
certified or official bank check only.

ALTERATIONS:

           7. (A) Tenant shall make no changes in or to the Premises of any
nature without Landlord's prior written consent. Subject to the prior written
consent of Landlord, and to the provisions of this Article, Tenant at Tenant's
expense, may make alterations, installations, additions or improvements
("Alterations") which are non-structural and which do not affect utility
services or plumbing and electrical lines, in or to the interior of the Premises
by using contractors or mechanics from Landlord's approved list of contractors.
Tenant agrees that all Alterations shall be performed by Tenant in accordance
with Landlord's Uniform Rules and Regulations for Alterations. Tenant agrees to
use Landlord's approved engineer for the Building for the preparation of all
construction documents and drawings pertaining to any Alterations and to use
Landlord's architect to file all plans with and obtain all required permits from
appropriate governmental authorities. All fixtures and all paneling, partitions,
railings and like installations, installed in the premises at any time, either
by Tenant or by Landlord in Tenant's behalf, shall, upon installation, become
the property of Landlord and shall remain upon and be surrendered with the
Premises unless Landlord, by notice to Tenant no later than twenty days prior to
the date fixed as the termination of this Lease, elects to relinquish Landlord's
right thereto and to have them removed by Tenant, in which event, the same shall
be removed from the premises by Tenant prior to the expiration of this Lease, at
Tenant's expense. Nothing in this article shall be construed to give Landlord
title to or to prevent Tenant's removal of trade fixtures, moveable office
furniture and equipment, but upon removal of any such items from the premises or
upon removal of other installations as may be required by Landlord, Tenant shall
immediately and at its expense, repair and restore the premises to the condition
existing prior to installation and repair any damage to the Premises or the
building due to such removal. All property permitted or required to be removed
by Tenant at the end of the term remaining in the premises after Tenant's
removal shall be deemed abandoned and may, at the election of Landlord, either
be retained as Landlord's property or may be removed from the premises by
Landlord at Tenant's expense. Tenant shall, before making any Alterations, at
its expense, obtain all permits, approvals and certificates required by any
governmental or quasi-governmental bodies and (upon completion) certificates of
final approval thereof and shall deliver promptly duplicates of all such
permits, approvals and certificates to Landlord and Tenant agrees to carry and
will cause Tenant's contractors and sub-contractors to carry such workmen's
compensation, general liability, personal and property damage insurance as
Landlord may require. If any mechanic's lien is filed against the Premises, or
the Building for work claimed to have been done for, or materials furnished to,
Tenant, whether or not pursuant to this Article, the same shall be discharged by
Tenant within ten days thereafter, at Tenant's expense, by filing the bond
required by law.

                                       7
<PAGE>

           (B) Tenant agrees that with respect to the performance by Tenant of
any Alterations costing in excess of $25,000.00, Tenant shall pay to Landlord,
as additional rent hereunder, promptly upon being billed therefor, a sum equal
to fifteen (15%) percent of the cost of such Alteration to compensate Landlord
for its out-of-pocket and other expenses including, without limitation, the fees
of any architect or engineer employed by Landlord, indirect costs, field
supervision and coordination in connection therewith. Tenant shall also pay to
Landlord as additional rent the actual fees of any architect, engineer or
expediter employed by Landlord in connection with any Alterations performed by
or on behalf of Tenant.

           (C) (i) Before proceeding with any Alteration estimated to cost in
excess of $25,000.00, Tenant shall furnish to Landlord one of the following (as
selected by Landlord): (a) a cash deposit or (b) a performance bond and a labor
and materials payment bond (issued by a corporate surety licensed to do business
in New York reasonably satisfactory to Landlord), or (c) an irrevocable,
unconditional, negotiable letter of credit, issued by and drawn on a bank or
trust company which is a member of the New York Clearing House Association in a
form reasonably satisfactory to Landlord; each in an amount equal to two hundred
(200%) percent of the estimated cost of the Alteration.

               (ii) Upon (a) the completion of the Alteration in accordance with
the terms of this Article and (b) the submission to Landlord of proof evidencing
the payment in full for said Alteration including, but not limited to, delivery
of Waivers of Mechanic Liens (in the form set forth below), the security
deposited with Landlord (or the balance of the proceeds thereof, if Tenant has
furnished cash or a letter of credit and if Landlord has drawn on the same)
shall be returned to Tenant.

               (iii) Upon Tenant's failure to properly perform, complete and
fully pay for the said Alteration, as reasonably determined by Landlord,
Landlord shall be entitled to draw on the security deposited under this Article
and Article 33 to the extent it deems necessary to complete any incomplete or
otherwise hazardous Alteration, to effect any necessary restoration and/or
protection of the Premises or the Property and to apply such funds to the
payment or satisfaction of any costs, damages or expenses in connection with the
foregoing and/or Tenant's obligations under this Article and this Lease relating
to Alterations and repairs, including the satisfaction of any mechanic's lien.

           (D) If in connection with any Alterations Tenant shall hire the
services of any contractor or construction manager, Tenant shall enter into an
agreement with such party which shall provide that such contractor or
construction manager, as well as all subcontractors, materialmen and suppliers
hired in connection therewith (all of the foregoing known collectively as the
"Contractors"), shall upon receiving any payment respecting such Alterations
deliver to Tenant a duly executed Waiver of Mechanic's Lien evidencing payment
in full for the cost of work, labor and/or services theretofore furnished. Said
Waivers of Mechanic's Lien shall name Landlord and Tenant as the beneficiaries
of such Waivers and shall be in a form reasonably acceptable to Landlord. Prior
to the commencement of any Alterations, a form of the Waiver of Mechanic's Lien
to be given by each such Contractor must be approved by Landlord.

           (E) All Alterations shall be performed by Tenant in compliance with
the Rules and Regulations, all applicable requirements of insurance bodies, and
with Legal Requirements and the same shall be diligently performed in a good and
workmanlike manner.

           (F) Tenant agrees that Tenant will not at any time during the term
hereof, either directly or indirectly, use any contractors and/or labor and/or
materials if the use of such contractors and/or labor and/or materials would or
will create any difficulty with other contractors and/or labor engaged by Tenant
or Landlord or others in the performance of any work at the Building or any part
thereof.

                                       8
<PAGE>

SERVICES PROVIDED BY LANDLORD - REPAIRS, WATER,
ELEVATORS, HEAT, CLEANING, AIR CONDITIONING:

           8. (A) REPAIRS. (i) Landlord shall maintain and repair the public
portions of the building, both exterior and interior. Notwithstanding anything
else contained herein, Landlord shall have no obligation to pay a premium or
overtime pay in connection with the performance of any repairs or maintenance
required to be performed by Landlord herein. Tenant shall, throughout the term
of this Lease, take good care of the Premises and the fixtures and appurtenances
therein and at Tenant's sole cost and expense, make all non-structural repairs
thereto as and when needed to preserve them in good working order and condition,
reasonable wear and tear, obsolescence and damage from the elements, fire and
other casualty, excepted. The term "appurtenances" in this Article 8 shall
include, without limitation, (i) all horizontal portions of the systems and
facilities of the Building within or exclusively serving the Premises,
including, without limitation, ductwork, VAV boxes and light fixtures and (ii)
all Alterations made by or on behalf of Tenant or any person claiming through or
under Tenant. Notwithstanding the foregoing, all damage or injury to the
Premises or to any other part of the building, or to its fixtures, equipment and
appurtenances, whether requiring structural or non-structural repairs, caused by
or resulting from carelessness, omission, neglect or improper conduct of Tenant,
Tenant's servants, employees, invitees or licensees, shall be repaired promptly
by Tenant at its sole cost and expense, to the satisfaction of Landlord
reasonably exercised. Tenant shall also repair all damage to the building and
the Premises caused by the moving of Tenant's fixtures, furniture or equipment.
All the aforesaid repairs shall be of quality or class equal to the original
work or construction. If Tenant fails after ten days' notice to proceed with due
diligence to make repairs required to be made by Tenant, the same may be made by
Landlord at the expense of Tenant and the expenses thereof incurred by Landlord
shall be collectible as additional rent after rendition of bill or statement
therefor. Tenant shall give Landlord prompt notice of any defective condition in
any plumbing, heating system or electrical lines located in, servicing or
passing through the Premises and following such notice, unless the repair
thereof shall be the obligations of Tenant hereunder, Landlord shall remedy the
condition with due diligence but at the expense of Tenant if repairs are
necessitated by damage or injury attributable to Tenant, Tenant's servants,
agents, employees, invitees or licensees as aforesaid. Except as specifically
provided in Article 13 or elsewhere in this Lease, there shall be no allowance
to Tenant for a diminution of rental value and no liability on the part of
Landlord by reason of inconvenience, annoyance or injury to business arising
from Landlord, Tenant or others making or failing to make any repairs,
alterations, additions or improvements in or to any portion of the building or
the Premises or in and to the fixtures, appurtenances or equipment thereof. The
provisions of this Article 8 with respect to the making of repairs shall not
apply in the case of fire or other casualty which are dealt with in Article 13
hereof.

               (ii) Landlord reserves the right to stop or reduce service of any
of the elevator, plumbing, heating, ventilating, air-conditioning, sanitary,
sprinkler, water, power or other Property systems or cleaning or other services,
if any, when necessary by reason of accident or for repairs, alterations,
replacements or improvements necessary to the Building, the Premises, or
Property systems for the benefit of Landlord or any other party, including,
without limitation, Tenant or other tenants or potential tenants of the
Building, which in the judgment of Landlord for as long as may be reasonably
required by reason thereof or by reason of strikes, accidents, laws, order or
regulations or any other reason beyond the control of Landlord.

           (B) HVAC. (i) Landlord shall, subject to energy conservation
requirements of governmental authorities, supply heating, ventilation, and air
conditioning to the Premises from 8:00 A.M. to 6:00 P.M. on business days.
Landlord will, when and to the extent reasonably requested by Tenant, furnish
additional air conditioning and ventilation services and Tenant will pay
Landlord's Building standard charge therefor. No representation is made by
Landlord with respect to the adequacy or fitness of such air conditioning or
ventilation to maintain temperatures as may be required for, or because of, the
operation of any computer, data processing or other equipment of Tenant, and
where air conditioning or ventilation is required for any such purpose, Landlord
assumes no responsibility, and shall have no liability, for any loss or damage,
however sustained, in connection therewith.

           (C) WATER. Landlord shall furnish adequate hot and cold water for
drinking, lavatory and normal cleaning purposes. If Tenant uses water for any
other purpose, Landlord may install and maintain, at Tenant's expense, meters to
measure Tenant's consumption of cold water and/or hot water for such other
purpose. Tenant shall reimburse Landlord on demand for the cost of cold water
and hot water shown on such meters.

                                       9
<PAGE>

           (D) CLEANING. Landlord shall cause the Premises, including the
exterior and interior of the exterior windows, to be cleaned in a manner
standard to the Property. Landlord shall not be required to clean any portions
of the Premises used for the preparation, serving or consumption of food or
beverages, training rooms, data processing or reproducing operations or private
lavatories or toilets. Tenant shall pay to Landlord on demand the costs incurred
by Landlord for (i) extra cleaning work in the Premises required because of (1)
the act, omission, misuse or neglect of or by Tenant or any subtenant or
licensee, or their respective employees, agents, contractors or invitees, (2)
use of portions of the Premises for special purposes requiring greater or more
difficult cleaning work than required in normal office area, (3) interior glass
partitions or unusual quantity of interior glass surfaces, and (4) special
materials or finishes on items installed by Tenant or its subtenants, (ii)
collection and removal from the Premises and the Property of any refuse or
rubbish of Tenant in excess of that ordinarily accumulated in general office
occupancy. Landlord and its cleaning contractor and their employees shall have
after hours access to the Premises and the use of Tenant's light, power and
water in the Premises as may be required for the cleaning services to be
furnished by Landlord pursuant to this Article.

           (E) ELEVATOR. Landlord shall provide passenger elevator service to
the Premises during business hours, and Landlord shall have at least one
passenger elevator subject to call at all other times. If Tenant requires
freight elevator service at any time, or more than one passenger elevator at any
time other than during business hours, Landlord shall furnish such service upon
not less than 48 hours' advance notice from Tenant, and Tenant shall pay to
Landlord on demand Landlord's then established charges therefor. The use of the
elevators shall be subject to the Rules and Regulations.

WINDOW CLEANING:

           9.Tenant will not clean, nor require, permit, suffer or allow any
window in the Premises to be cleaned, from the outside in violation of Section
202 of the Labor Law or any other applicable law or of the rules of the Board of
Standards and Appeals, or of any other board or body having or asserting
jurisdiction.

REQUIREMENTS OF LAW, FIRE INSURANCE, FLOORS LOADS:

           10. Prior to the commencement of the Term, if Tenant is then in
possession, and at all times thereafter, Tenant, at Tenant's sole cost and
expense, shall promptly comply with all present and future laws, orders and
regulations of all state, federal, municipal and local governments, departments,
commissions and boards and any direction of any public officer pursuant to law,
and all orders, rules and regulations of the New York Board of Fire Underwriters
or any similar body which shall impose any violation, order or duty upon
Landlord or Tenant with respect to the Premises whether or not arising out of
Tenant's use or manner of use thereof, or with respect to the building if
arising out of Tenant's use or manner of use of the premises or the building
(including the use permitted under this Lease). Nothing herein shall require
Tenant to make structural repairs or alterations unless Tenant has by its manner
of use of the Premises or method of operation therein, violated any such laws,
ordinances, orders, rules, regulations or requirements with respect thereto.

                                       10
<PAGE>

Tenant may, after securing Landlord to Landlord's satisfaction against all
damages, interest, penalties and expenses, including, but not limited to,
reasonable attorney's fees, by cash deposit or by surety bond in an amount and
in a company satisfactory to Landlord, contest and appeal any such laws,
ordinances, orders, rules regulations and requirements provided same is done
with all reasonable promptness and provided such appeal shall not subject
Landlord to prosecution for a criminal offense or constitute a default under any
lease or mortgage under which Landlord may be obligated, or cause the Premises
or any part thereof to be condemned or vacated. Tenant shall not do or permit
any act or thing to be done in or to the Premises which is contrary to law, or
which will invalidate or be in conflict with public liability, fire or other
policies of insurance at any time carried by or for the benefit of Landlord with
respect to the Premises or the building, or which shall or might subject
Landlord to any liability or responsibility to any person or for property
damage, nor shall Tenant keep anything in the Premises except as now or
hereafter permitted by the Fire Department, Board of Fire Underwriters, Fire
Insurance Rating Organization or other authority having jurisdiction, and then
only in such manner and such quantity so as not to increase the rate for fire
insurance applicable to the building, nor use the premises in a manner which
will increase the insurance rate for the building or any property located
therein over that in effect prior to the commencement of Tenant's occupancy.
Tenant shall pay all costs, expenses, fines, penalties, or damages, which may be
imposed upon Landlord by reason of Tenant's failure to comply with the
provisions of this Article and if by reason of such failure the fire insurance
rate shall, at the beginning of this Lease or at any time thereafter, be higher
than it otherwise would be, then Tenant shall reimburse Landlord, as additional
rent hereunder, for that portion of all fire insurance premiums thereafter paid
by Landlord which shall have been charged because of such failure by Tenant, and
shall make such reimbursement upon the first day of the month following such
outlay by Landlord. In any action or proceeding wherein Landlord and Tenant are
parties a schedule or "make up" of rate for the building or Premises issued by
the New York Fire Insurance Exchange or other body making fire insurance rate
applicable to said premises shall be conclusive evidence of the facts therein
stated and of the several items and charges in the fire insurance rate than
applicable to said premises. 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.
Such installation shall be placed and maintained by Tenant, at Tenant's expense,
in settings sufficient, in Landlord's judgment, to absorb and prevent vibration,
noise and annoyance.

SUBORDINATION:

           11. The right of Tenant under this Lease shall be and are subject and
subordinate at all times to all ground leases, and/or underlying leases, if any,
now or hereafter in force against the Property, and to each and every mortgage
or deed of trust which may now or hereafter be placed by Landlord on its
interest in the Property, and to all increases, renewals, modifications,
consolidations, replacements and extensions thereof. This Article is
self-operative and no further instrument of subordination shall be required. In
confirmation of such subordination Tenant shall promptly execute such further
instruments as may be requested by Landlord. Tenant hereby irrevocably appoints
Landlord as attorney-in-fact for Tenant with full power and authority to execute
and deliver in the name of Tenant any such instrument or instruments. To the
extent not so provided by applicable law, in the event of the enforcement by
such mortgagee or lessor of the remedies provided for by law or by the mortgage
or lease, if such mortgagee or lessor or any successors or assigns of such
mortgagee or lessor shall, at its or their sole option, succeed to the interest
of Landlord under this Lease, whether through possessory or foreclosure action
or a deed in lieu of foreclosure or otherwise, and this Lease shall not be
terminated or affected by such foreclosure or any such proceedings, Tenant, at
the election of such mortgagee or lessor or its successors or assigns, shall
attorn to and recognize such mortgagee or lessor (or its successors or assigns)
as its landlord upon the terms, covenants, conditions and agreements contained
in this Lease to the same extent and in the same manner as if this Lease was
direct lease between such mortgagee or lessor (or its successors or assigns) and
Tenant, except that such mortgagee or lessor (or its successors or assigns),
whether or not it shall have succeeded to the interest of Landlord under this
Lease, shall not (a) have any liability for refusal or failure to perform or
complete any work required to be performed by Landlord under this Lease to
prepare the Premises for occupancy in accordance with the provisions of this
Lease or otherwise, (b) be liable for any act, omission or default of any prior
landlord under this Lease, (c) be subject to any offsets, claims or defenses
which shall have heretofore accrued to Tenant against any prior landlord under
this Lease, (d) be bound by any rent or additional rent which Tenant might have
paid to any prior landlord for more than one (1) month in advance, (e) be liable
for the return of any security deposit unless such security shall actually be
received by such mortgagee or lessor and/or and/or (f) be bound by any
cancellation, abridgement, surrender, modification or amendment of this Lease,
without the prior written consent of such mortgagee or lessor or such successor
in interest. Upon request by said successor in interest, Tenant shall execute
and deliver an instrument or instruments confirming such attornment.

PROPERTY - LOSS, DAMAGE, REIMBURSEMENT, INDEMNITY:

           12. (A) Neither Landlord nor Landlord's agents, members, officers,
directors, shareholders, partners or principals (disclosed or undisclosed) shall
be liable to Tenant or Tenant's agents, employees, contractors, invitees or
licensees or any other occupant of the Premises for any damages to property of
Tenant or of others entrusted to employees of the Building, nor for any injury
to Tenant or to any other person or for any damage to, or theft or other loss
of, any of Tenant's property or of the property of any other person resulting
from any cause of whatsoever nature, unless due to the gross negligence of
Landlord or Landlord's agents provided, however, that even if due to any such
gross negligence of Landlord or Landlord's agents, Tenant waives, to the fullest

                                       11
<PAGE>

extent permitted by law, any claim for consequential damages in connection
therewith; nor shall Landlord or its agents be liable for any such damage caused
by other tenants or persons in, upon or about said building or caused by
operations in construction of any private, public or quasi public work. If at
any time any windows of the Premises are temporarily closed, darkened or bricked
up (or permanently closed, darkened or bricked up, if required by law) for any
reason whatsoever including, but not limited to Landlord's own acts, Landlord
shall not be liable for any damage Tenant may sustain thereby and Tenant shall
not be entitled to any compensation therefor nor abatement or diminution of rent
nor shall the same release Tenant from its obligations hereunder nor constitute
an eviction. Tenant shall not move any safe, heavy machinery, heavy equipment,
bulky matter, or fixtures into or out of the building without Landlord's prior
written consent. If such safe, machinery, equipment, bulky matter or fixtures
requires special handling, all work in connection therewith shall comply with
the Administrative Code of the City of New York and all other laws and
regulations applicable thereto and shall be done during such hours as Landlord
may designate.

           (B) Tenant shall indemnify and save harmless Landlord against and
from all liabilities, obligations, damages, penalties, claims, costs and
expenses for which Landlord shall not be reimbursed by insurance, including
reasonable attorney's fees, paid, suffered or incurred in connection with or
arising from (i) any breach by Tenant, Tenant's agents, contractors, employees,
invitees, or licensees, of any covenant or condition of this Lease, or (ii) the
carelessness, negligence or improper conduct of Tenant, Tenant's agents,
contractors, employees, invitees or licensees, or (iii) the use or occupancy of
the Premises by Tenant or any person claiming under Tenant, or (iv) any acts,
omissions or negligence of Tenant of any such person, or the contractors,
agents, employees, invitees or licensees of Tenant or any such person, in or
about the Premises or the Property. Tenant shall pay to Landlord as Additional
Rent within ten (10) days following rendition by Landlord to Tenant of bills or
statements therefor, sums equal to all losses, costs, liabilities, claims,
damages, fined, penalties and expenses referred to in this Section. Tenant's
liability under this Lease extends to the acts and omissions of any subtenant,
and any agent, contractor, employee, invitee or licensee of any subtenant. In
case any action or proceeding is brought against Landlord by reason of any such
claim, Tenant upon written notice from Landlord, will, at Tenant's expense,
resist or defend such action or proceeding by counsel approved by Landlord in
writing, such approval not to be unreasonably withheld.

           (C) Tenant shall look only to Landlord's estate and interest in the
Building for the satisfaction of Tenant's remedies or for the collection of a
judgment (or other judicial process) requiring the payment of money by Landlord
in the event of any default or liability by Landlord hereunder, and no other
property or assets of Landlord and no property of any officer, member, employee,
director, shareholder, partner or principal of Landlord shall be subject to
levy, execution or other enforcement procedure for the satisfaction of Tenant's
remedies under or with respect to this Lease, the relationship of Landlord and
Tenant hereunder or Tenant's use or occupancy of the Premises.

           (D) The provisions of this Article shall survive the expiration or
sooner termination of this Lease.

DESTRUCTION, FIRE AND OTHER CASUALTY:

           13. (A) If the Premises or any part thereof shall be damaged by fire
or other casualty, Tenant shall give immediate notice thereof to Landlord and
this Lease shall continue in full force and effect except as hereinafter set
forth.

           (B) If the Premises are partially damaged or rendered partially
unusable by fire or other casualty, the damages thereto shall be repaired by and
at the expense of Landlord and the rent, until such repair shall be
substantially completed, shall be apportioned from the day following the
casualty according to the part of the premises which is usable.

                                       12
<PAGE>

           (C) If the Premises are totally damaged or rendered wholly unusable
by fire or other casualty, then the rent shall be proportionately paid up to the
time of the casualty and thenceforth shall cease until the date when the
premises shall have been repaired and restored by Landlord, subject to
Landlord's right to elect not to restore the same as hereinafter provided.

           (D) If the Premises are rendered wholly unusable or (whether or not
the Premises are damaged in whole or in part) if the building shall be so
damaged that Landlord shall decide to demolish it or to rebuilt it, then, if any
of such events, Landlord may elect to terminate this Lease by written notice to
Tenant given within 90 days after such fire or casualty specifying a date for
the expiration of this Lease, which date shall not be more than 60 days after
the giving of such notice, and upon the date specified in such notice the term
of this Lease shall expire as fully and completely as if such date were the date
set forth above for the termination of this Lease and Tenant shall forthwith
quit, surrender and vacate the premises without prejudice however, to Landlord's
rights and remedies against Tenant under the provisions hereof in effect prior
to such termination, and any rent owing shall be paid up to such date and any
payments of rent made by Tenant which were on account of any period subsequent
to such date shall be returned to Tenant.

           (E) Unless Landlord shall serve a termination notice as provided for
herein, Landlord shall make the repairs and restorations under the conditions of
Section 13(B) and (C) hereof, with all reasonable expedition subject to delays
due to adjustment of insurance claims, labor troubles and causes beyond
Landlord's control. After any such casualty, Tenant shall cooperate with
Landlord's restoration by removing from the premises as promptly as reasonably
possible, all of Tenant's salvageable inventory and movable equipment,
furniture, and other property. Tenant's liability for rent shall resume five (5)
days after written notice from Landlord that the premises are substantially
ready for Tenant's occupancy.

           (F) Nothing contained hereinabove shall relieve Tenant from liability
that may exist as a result of damage from fire or other casualty.
Notwithstanding the foregoing, each party shall look first to any insurance in
its favor before making any claim against the other party for recovery for loss
or damage resulting from fire or other casualty, and to the extent that such
insurance is in force and collectible and to the extent permitted by law,
Landlord and Tenant each hereby releases and waives all right of recovery
against the other or any one claiming through or under each of them by way of
subrogation or otherwise. The foregoing release and waiver shall be in force
only if both releasors' insurance policies contain a clause providing that such
a release or waiver shall not invalidate the insurance and also, provided that
such a policy can be obtained without additional premiums. Tenant acknowledges
that Landlord will not carry insurance on Tenant's furniture and/or furnishings
or any Alterations installed by or on behalf of Tenant and agrees that Landlord
will not be obligated to repair any damage thereto or replace the same.

           (G) Tenant hereby waives the provisions of Section 227 of the Real
Property Law and agrees that the provisions of this Article shall govern and
control in lieu thereof.

EMINENT DOMAIN:

           14. If the whole or any part of the Premises shall be acquired or
condemned by eminent domain for any public or quasi public use or purpose, then
and in that event, the term of this Lease shall cease and terminate from the
date of title vesting in such proceeding and Tenant shall have no claim for the
value of any unexpired term of this Lease.

ASSIGNMENT, MORTGAGE, ETC:

           15 (A) Except as otherwise provided in this Article, Tenant, for
itself, its heirs, distributees, executors, administrators, legal
representatives, successors and assigns, expressly covenants that it shall not
assign, mortgage or encumber this Lease, nor underlet, or suffer or permit the
Premises or any part thereof to be used by others, without the prior written
consent of Landlord in each instance. If this Lease be assigned, or if the
Premises or any part thereof be underlet or occupied by anybody other than
Tenant, Landlord may, after default by Tenant, collect rent from the assignee,
under-tenant or occupant, and apply the net amount collected to the rent herein
reserved, but no such assignment, undeletting, occupancy or collection shall be
deemed a waiver of this covenant, or the acceptance of the assignee,

                                       13
<PAGE>

under-tenant or occupant as tenant, or a release of Tenant from the further
performance by Tenant of covenants on the part of Tenant herein contained. The
consent by Landlord to an assignment or underletting shall not in any way be
construed to relieve Tenant from obtaining the express consent in writing of
Landlord to any further assignment or underletting.

           (B) If Tenant shall, at any time or times during the term of this
Lease, desire to assign this Lease or sublet the Premises in whole or in part,
Tenant shall submit a written request therefor to Landlord, which request shall
be accompanied by: (i) a conformed or photostatic copy of the proposed
assignment or sublease, the effective or commencement date of which shall be not
less than sixty (60) nor more than ninety (90) days after the giving of such
notice; (ii) a statement setting forth, in reasonable detail, the identity of
the proposed assignee or subtenant, the nature of its business and its proposed
use of the Premises; and (iii) current financial information with respect to the
proposed assignee or subtenant, including its most recent financial report and
any other information as Landlord shall reasonably request. Such request shall
be deemed an offer from Tenant to Landlord whereby Landlord (or, at Landlord's
election, its designee) may terminate this Lease in its entirety, if such
request consists of a proposal to assign this Lease or sublease the entire
Premises for all or substantially all of the remainder of the Term, or with
respect only to the space proposed to be sublet if such request consists of a
proposal to sublease less than the entire Premises (in which event Landlord and
Tenant shall enter into an agreement to account for the change in the financial
obligations hereunder and other appropriate modifications), and Tenant shall
vacate and surrender the Premises (or the proposed space to be sublet, as the
case may be) in accordance with the terms hereof as of the effective date of the
proposed assignment or sublease (the "Termination Date") and the term of this
Lease shall end (as to the entire Premises or with respect to the proposed
sublet space, as the case may be) on the Termination Date as if such date were
the Expiration Date. The aforesaid option may be exercised by Landlord by notice
to Tenant at any time within thirty (30) days after such notice has been given
by Tenant to Landlord, and during such thirty (30) day period, Tenant shall not
assign this Lease or sublet the Premises or any part thereof to any person.

           (C) In the event that Tenant complies with the provisions of Section
15(B) and Landlord does not exercise the option provided to it hereunder within
the time periods provided therefor, and provided that Tenant is not in default
of any of Tenant's obligations under this Lease, Landlord's consent (which must
be in writing and in form reasonably satisfactory to Landlord) to the proposed
assignment of this Lease or subletting of all or a part of the Premises shall
not be unreasonably withheld, provided the following conditions have been
satisfied:

                               (i) the proposed assignee or subtenant is a
                     reputable person of good character and with sufficient
                     financial worth considering the responsibility involved,
                     and Landlord has been furnished with reasonable proof
                     thereof;

                               (ii) neither (a) the proposed assignee or
                     sublessee nor (b) any person that, directly or indirectly
                     controls, is controlled by, or is under common control
                     with, the proposed assignee or sublessee, is then an
                     occupant or tenant of any part of the Building nor
                     negotiating to lease space in the Building;

                               (iii) the proposed sublease shall be in form
                     reasonably satisfactory to Landlord and shall comply
                     with the applicable provisions of this Article 15;

                               (iv) the amount of the aggregate rent to be paid
                     by the proposed subtenant is not less than the then current
                     market rent per rentable square foot for the Premises, and
                     the rental and other terms and conditions of the sublease
                     are the same as those contained in the proposed sublease
                     furnished to Landlord pursuant to Section 15(B) hereof;

                               (v) Tenant shall reimburse Landlord on demand for
                     all reasonable costs incurred by Landlord in connection
                     with said assignment or sublease, including the costs of
                     making investigations as to the acceptability of the
                     proposed assignee or subtenant and legal costs incurred in
                     connection with the granting of any requested consent;

                                       14
<PAGE>

                               (vi) Tenant shall not have (a) advertised or
                     publicized in any way the availability of the Premises
                     without prior notice to, and approval by, Landlord, which
                     approval Landlord agrees not to unreasonably withhold, nor
                     shall any advertisement state the rental rate or the name
                     (as distinguished from the address) of the Building, or (b)
                     listed the Premises for subletting or assignment, with a
                     broker, agent or representative (other than the then
                     managing agent of the Building or other agent designated by
                     Landlord) or otherwise, at a proposed rental less than the
                     minimum rent and additional rent at which Landlord is then
                     offering to lease other space in the Building;

                               (vii) any such subletting will result in there
                     being no more than one (1) occupant of the Premises;

                               (viii) no sublease shall be valid, and no
                     subtenant shall take possession of the sublet premises
                     until an executed counterpart of such sublease has been
                     delivered to Landlord; and

                               (ix) each sublease shall expressly provide that
                     it is subject and subordinate to this Lease and to the
                     matters to which this Lease is or shall be subordinate, and
                     that, in the event of any termination, re-entry, or
                     dispossess by Landlord under this Lease, Landlord may, at
                     its option, take over all of the right, title and interest
                     of Tenant as sublandlord under such sublease, and such
                     subtenant shall, at Landlord's option, attorn to Landlord
                     pursuant to the then executory provisions of such sublease,
                     except that Landlord shall not (x) be liable for any
                     previous act or omission of Tenant under such sublease, (y)
                     be subject to any offset, not expressly provided in such
                     sublease, that theretofore accrued to such subtenant
                     against Tenant or (z) be bound by any previous modification
                     of such sublease or by any prepayment of more than one
                     month's minimum rent or any additional rent then due.

           (D) Any assignment or transfer shall be made only if, and shall not
be effective until, the assignee shall execute, acknowledge and deliver to
Landlord an agreement, in form and substance reasonably satisfactory to
Landlord, whereby the assignee shall assume all of the obligations of this Lease
on the part of Tenant to be performed or observed.

           (E) If Landlord shall give its consent to any assignment of this
Lease or to any sublease of the Premises or any part thereof, Tenant shall, in
consideration therefor, pay to Landlord, as additional rent:

                               (i) in the case of an assignment, an amount equal
                     to one-half of all sums and other consideration paid to
                     Tenant by the assignee for, or by reason of, such
                     assignment, including all sums paid for the sale of
                     Tenant's fixtures, leasehold improvements, equipment,
                     furniture, furnishings, or other property; and

                               (ii) in the case of a sublease, one-half of any
                     rents, additional charges, or other consideration payable
                     under the sublease by the subtenant to Tenant that are in
                     excess of the Minimum Rent and additional rent accruing
                     during the term of the sublease in respect of the subleased
                     space (at the rate per square foot payable by Tenant
                     hereunder) pursuant to the terms hereof, including all sums
                     paid for the sale or rental of Tenant's fixtures, leasehold
                     improvements, equipment, furniture or other personal
                     property. The sums payable under this Section 15(E) shall
                     be paid to Landlord as and when payable by the subtenant to
                     Tenant.

           (F) A transfer of fifty (50%) percent or greater interest (whether
stock, partnership or otherwise) of Tenant, or any permitted subtenant or
assignee of this Lease shall be deemed to be an assignment of this Lease of such
sublease, however accomplished, and whether in a single transaction or in any
series of transactions, related or unrelated, to which the provisions this
Article 15 shall apply.

           (G) Tenant may sublet or assign this Lease to any Subsidiary, Parent
Company, Affiliate or successor by merger or consolidation or a person to whom
all or substantially all of Tenant's assets, stock, partnership or membership
interests are transferred (such successor or person being herein called a
"Successor") without the consent of Landlord (but only if (a) the Successor has
a net worth (exclusive of goodwill) at least equal to the greater of (x) that of
Tenant as of the date hereof and (y) the average net worth of Tenant for the
twelve (12) months immediately prior to the merger, consolidation or sale and
(b) such merger, consolidation or transfer of assets is not effected for the
primary purpose of transferring this Lease or subleasing the Premises). For
purposes of his Section, a "Subsidiary", "Parent Company" and "Affiliate" of

                                       15
<PAGE>

Tenant shall mean the following: (a) "Subsidiary" shall mean any corporation not
less than 51% of whose outstanding capital and voting stock shall, at the time,
be owned directly or indirectly, by Tenant; (b) "Parent Company" shall mean any
corporation which shall own, directly or indirectly, at least 51% of the
outstanding capital and voting stock of Tenant at the time; and (c) "Affiliate"
shall mean any corporation or other entity which, directly or indirectly,
controls or is controlled by or is under commons control with Tenant. For this
purpose, "control" shall mean the possession, directly or indirectly, of the
power to direct or cause the direction of the management and policies of such
corporation, whether through the ownership of voting securities or by contract
or otherwise. Furthermore, no such assignment or sublease shall be permitted or
effective if Tenant is then in default under this Lease beyond any applicable
notice and cure period and unless (i) Tenant gives Landlord at least ten (10)
days' prior written notice of such assignment or sublease, and reasonably
acceptable proof of the compliance of such transaction with the conditions set
forth in this Article 15 and (ii) Tenant gives Landlord a signed copy of the
final assignment or sublease within ten (10) days after it is executed. No such
assignment or sublease by Tenant shall be deemed to release Tenant from any of
its obligations and liabilities hereunder and such assignee or sublessee shall
execute an agreement, in form and substance reasonably satisfactory to Landlord,
assuming all Tenant's obligations and liabilities hereunder.

ELECTRIC CURRENT:

           16. (A) Electricity shall be provided to Tenant in the Premises on a
so-called "rent inclusion" basis. Tenant agrees that the portion of the Minimum
Rent set forth in Article 3 above presently attributed to the furnishing of
electric current is the annual sum of $11,163.00 and is subject to increase as
hereinafter provided. Landlord will furnish electricity to Tenant through
presently installed electrical facilities for Tenant's reasonable use of such
lighting, electrical appliances, air conditioning systems and equipment as
presently exist or as Tenant may be permitted to install in the Premises,
subject to Landlord's consent. Tenant agrees that an electrical engineer or
utility consultant, selected by Landlord, may, from time to time during the
Term, make a survey of the electric lighting and power load by metering or
otherwise to determine Tenant's average monthly electrical energy consumption in
the Premises ("Tenant's Electric Consumption") based upon (i) the connected load
rating of each item consuming electric energy, (ii) Tenant's usage which shall
be determined by multiplying the connected load rating of each item by the hours
of usage as determined by the consultant, and (iii) the electric rate charged
for such load in the service classification in effect on the Commencement Date
pursuant to which Landlord then purchased electric current for the entire
Property from the public utility corporation (or any successor thereto),
inclusive of all surcharges or taxes thereon including any sales tax as a result
of the resale of such energy to Tenant. The findings of such engineer or
consultant as to the proper Minimum Rent increase based on Tenant's Electric
Consumption shall be conclusive and binding upon the parties and the amount
thereof shall be added to the Minimum Rent payable monthly on the first day of
each and every month in advance for each month from the date the change in
electrical energy consumption occurred (as determined by Landlord's electrical
engineer or utility consultant). If the electric rate on which the initial
determination of said consultant were based shall be increased, then the Minimum
Rent attributable to electricity shall be increased in the same percentage,
retroactive if necessary to the date of such increase in such electric rates. In
no event shall the Minimum Rent or any portion of the Minimum Rent attributable
to the furnishing of electric current ever be reduced by operation of this
Article 16.

           (B) Landlord shall not be liable in any way to Tenant for any failure
or defect in the supply or character of electric energy, or other utilities
furnished to the Premises. Tenant's use of electric energy in the Premises shall
not at any time exceed that portion of the capacity allocable to Tenant of (i)
the existing feeders to the Building or the electricity available to Tenant
through then existing risers or wiring installations to the Premises or (ii) any
of the electrical conductors, machinery and equipment in or otherwise serving
the Premises (in any event, giving due consideration to the needs of existing
and potential tenants using the same risers, wiring installations or other
equipment, as well as to Landlord's electrical needs in connection with the
operation of the Building and the provision of emergency services). In order to
ensure that such capacity is not exceeded, Tenant agrees not to connect any
additional electrical equipment, fixtures, machinery or appliances of any type
to the Building electric distribution system, other than lamps, typewriters and
other small office machines which consume comparable amounts of electricity,
without Landlord's prior written consent. Any additional risers, feeders, or
other equipment proper or necessary to supply Tenant's electrical requirements,
upon written request of Tenant, will be installed by Landlord at the sole cost
and expense of Tenant, if, in Landlord's sole judgment, the same will not
interfere with Landlord's present or anticipated future electrical needs with
respect to the Building and/or existing or future tenants of the Building or
cause permanent damage or injury to the Building or entail excessive or
unreasonable alterations or interfere with or disturb other tenants.

                                       16
<PAGE>

           (C) Landlord reserves the right to discontinue furnishing electric
energy to Tenant at any time upon not less than sixty (60) days' written notice
to Tenant, and from and after the effective date of such termination, Landlord
shall not longer be obligated to furnish Tenant with electric energy. If
Landlord exercises such right of termination, this Lease shall remain unaffected
thereby and shall continue in full force and effect, and thereafter Tenant shall
diligently arrange to obtain electric service directly from the utility company
servicing the Building, and may utilize the then existing electric feeders,
risers and wiring serving the Premises to the extent that they are available and
safely capable of being used for such purpose and only to the extent of Tenant's
then authorized connected load. Landlord shall not be obligated to pay any part
of the cost required for Tenant's direct electric service. Unless prohibited
from doing so by any Legal Requirement and provided that Tenant shall continue
to use diligent efforts to obtain such direct electric service, Landlord shall
not discontinue furnishing electrical energy to Tenant until Tenant procures
such direct electric service.

           (D) Tenant acknowledges that it shall, at its sole cost and expense,
furnish, install and replace all light bulbs, light fixtures, tubes, lamps,
starters and ballasts required in the Premises.

ACCESS TO PREMISES:

           17. Subject to such maintenance and security requirements as Landlord
may impose in its sole discretion and to force majeure, Tenant shall have access
to the Premises twenty-four (24) hours per day, seven (7) days per week.
Landlord or Landlord's agents shall have the right (but shall not be obligated)
to enter the Premises in any emergency at any time, and, at other reasonable
times, to examine the same and to make such repairs, replacements and
improvements as Landlord may perform pursuant to the terms of Section 8(A)(ii)
or which Landlord may elect to perform following Tenant's failure to make repair
or perform any work which Tenant is obligated to perform under this Lease, or
for the purpose of complying with laws, regulations and other directions of
governmental authorities. Tenant shall permit Landlord to use and maintain and
replace pipes and conduits in and through the Premises and to erect new pipes
and conduits therein. Landlord may, during the progress of any work in the
Premises, take all necessary materials and equipment into said premises without
the same constituting an eviction nor shall Tenant be entitled to any abatement
of rent while such work is in progress nor to any damages by reason of loss or
interruption of business or otherwise. Throughout the term hereof Landlord shall
have the right to enter the Premises at reasonable hours for the purpose of
showing the same to prospective purchasers or mortgagees of the building, and
during the last year of the term for the purpose of showing the same to
prospective tenants and may, during said one year period, place upon the
premises the usual notices "To Let" and "For Sale" which notices Tenant shall
permit to remain thereon without molestation. If Tenant is not present to open
and permit an entry into the premises, Landlord or Landlord's agents may enter
the same whenever such entry may be necessary or permissible by master key or
forcibly and provided reasonable care is exercised to safeguard Tenant's
property and such entry shall not render Landlord or its agents liable therefor,
nor in any event shall the obligations of Tenant hereunder be affected. If
during the last ninety (90) days of the term Tenant shall have removed all or
substantially all of Tenant's property therefrom, Landlord may immediately
enter, alter, renovate or redecorate the Premises without limitation or
abatement of rent, or incurring liability to Tenant for any compensation and
such act shall have no effect on this Lease or Tenant's obligations hereunder.
Landlord shall have the right at any time (including, without limitations, in
connection with any repairs, replacements and improvements that Landlord may
perform pursuant to the terms of Section 8(A)(ii) hereof), without the same
constituting an eviction and without incurring liability to Tenant therefor to
change the arrangement and/or location of public entrances, passageways, doors,
doorways, corridors, elevators, stairs, toilets, or other public parts of the
building and to change the name, number or designation by which the building may
be known.

                                       17
<PAGE>

VAULT, VAULT SPACE, AREA:

           18. No vault, vault space or area, whether or not enclosed or
covered, not within the property line of the building is leased hereunder,
anything contained in or indicated on any sketch, blue print or plan or anything
contained elsewhere in this Lease to the contrary notwithstanding. Landlord
makes no representation as to the location of the property line of the building.
All vaults and vault space and all such areas not within the property line of
the building, which Tenant may be permitted to use and/or occupy, is to be used
and/or occupied under a revocable license, and if any such license be revoked,
or if the amount of such space or area be diminished or required by any federal,
state or municipal authority or public utility, Landlord shall not be subject to
any liability nor shall Tenant be entitled to any compensation or diminution or
abatement of rent, nor shall such revocation, diminution or requisition be
deemed constructive or actual eviction. Any tax, fee or charge or municipal
authorities for such vault or area shall be paid by Tenant.

BANKRUPTCY:

           19. (A) Anything elsewhere in this Lease to the contrary
notwithstanding, this Lease may be cancelled by Landlord by the sending of a
written notice to Tenant within a reasonable time after the happening of any one
or more of the following events: (i) the commencement of a case in bankruptcy or
under the laws of any state naming Tenant as the debtor, which in the event of
an involuntary case is not dismissed within thirty (30) days from the date of
its filing, or (ii) the making by Tenant of an assignment or any other
arrangement for the benefit of creditors under any state statute. Neither Tenant
nor any person claiming through or under Tenant, or by reason of any statute or
order of court, shall thereafter be entitled to possession of the premises but
shall forthwith quit and surrender the premises. If the Lease shall be assigned
in accordance with its terms, the provisions of this Article 19 shall be
applicable only to the party then owning Tenant's interest in this Lease.

           (B) It is stipulated and agreed that in the event of the termination
of this Lease pursuant to Section 19(A) hereof, Owner shall forthwith,
notwithstanding any other provisions of this Lease to the contrary, be entitled
to recover from Tenant as and for liquidated damages an amount equal to the
difference between the rent reserved hereunder for the unexpired portion of the
term demised for the same period. In the computation of such damages the
difference between any installment of rent becoming due hereunder after the date
of termination and the fair and reasonable rental value of the Premises for the
period for which such installment was payable shall be discounted to the date of
termination at the rate of four percent (4%) per annum. If such premises or any
part thereof shall be re-let by Owner for the unexpired term of this Lease, or
any part thereof, before presentation or proof of such liquidated damages to any
court, commission or tribunal, the amount of rent reserved upon such re-letting
shall be deemed to be the fair and reasonable rental value for the part or the
whole of the premises so re-let during the term of the re-letting. Nothing
herein contained shall limit or prejudice the right of Owner to prove for and
obtain as liquidated damages by reason of such termination, an amount equal to
the maximum allowed by any statute or rule of law in effect at the time when,
and governing the proceedings in which, such damages are to be proved, whether
or not such amount be greater, equal to, or less than the amount of the
difference referred to above.

DEFAULT:

           20. (A) If Tenant defaults in fulfilling any of the covenants of this
Lease other than the covenants for the payment of Minimum Rent or additional
Rent; or if the Premises become vacant or deserted; or if the Premises are
damaged by reason of negligence of Tenant, its agents, employees or invitees; or
if any execution or attachment shall be issued against Tenant or any of Tenant's
property whereupon the Premises shall be taken or occupied by someone other than
Tenant; or if Tenant shall make default with respect to any other lease between
Landlord and Tenant; or if Tenant shall fail to move into or take possession of
the premises within fifteen (15) days after the commencement of the term of this
Lease, of which fact Landlord shall be the sole but reasonable judge; then, in
any one or more of such events, upon Landlord serving a written five (5) days'
notice upon Tenant specifying the nature of said default and upon the expiration
of said (5) days, if Tenant shall have failed to comply with or remedy such
default, or if the said default or omission complained of shall be of a nature
that the same cannot be completely cured or remedied within said five (5) day
period, and if Tenant shall not have diligently commenced curing such default
within such five (5) day period, and shall not thereafter with reasonable
diligence and in good faith proceed to remedy or cure such default, then
Landlord may serve a written three (3) days' notice of cancellation of this
Lease upon Tenant and upon the expiration of said three (3) days, this Lease and
the term hereunder shall end and expire as fully and completely as if the
expiration of such three (3) day period were the day herein definitely fixed for
the end and expiration of this Lease and the term thereof and Tenant shall then
quit and surrender the Premises to Landlord but Tenant shall remain liable as
hereinafter provided.

                                       18
<PAGE>

           (B) If the notice provided for in Section 20(A) hereof shall have
been given, and the term shall expire as aforesaid; or if Tenant shall make
default in the payment of the Minimum Rent reserved herein or any item of
additional rent herein mentioned or any part of either or in making any other
payment herein required; then and in any of such events Landlord may without
notice, re-enter the Premises either by force or otherwise, and dispossess
Tenant by summary proceedings or otherwise, and the legal representative of
Tenant or other occupant of Premises and remove their effects and hold the
premises as if this Lease had not been made, and Tenant hereby waives the
service of notice of intention to re-enter or to institute legal proceedings to
that end. If Tenant shall make default hereunder prior to the date fixed as the
commencement of any renewal or extension of this Lease, Landlord may cancel and
terminate such renewal or extension agreement by written notice.

REMEDIES OF LANDLORD AND WAIVER OF REDEMPTION:

           21. (A) In case of any such default, re-entry, expiration and/or
dispossess by summary proceedings or otherwise, (i) the rent shall become due
thereupon and be paid up to the time of such re-entry, dispossess and/or
expiration, together with such expenses as Landlord may incur for legal
expenses, attorneys' fee, brokerage, and/or putting the Premises in good order,
or for preparing the same for re-rental; (ii) Landlord may re-let the premises
or any part or parts thereof, either in the name of Landlord or otherwise, for a
term or terms, which may at Landlord's option be less than or exceed the period
which would otherwise have constituted the balance of the term of this Lease and
may grant concessions or free rent or charge a higher rental than that in this
Lease, and/or (iii) Tenant or the legal representation of Tenant shall also pay
Landlord as liquidated damages for the failure of Tenant to observe and perform
said Tenant's covenants herein contained, any deficiency between the rent hereby
reserved and/or covenanted to be paid and the net amount, if any, of the rent
collected on account of the lease or leases of the Premises for each month of
the period which would otherwise have constituted the balance of the term of
this Lease. The failure of Landlord to re-let the premises or any part or parts
thereof shall not release or affect Tenant's liability for damages. In computing
such liquidated damages there shall be paid added to the said deficiency such
expenses as Landlord may incur in connection with re-letting, such as legal
expenses, attorneys' fees, brokerage, advertising and for keeping the Premises
in good order or for preparing the same for re-letting. Any such liquidated
damages shall be paid in monthly installments by Tenant on the rent day
specified in this Lease and any suit brought to collect the amount of the
deficiency for any month shall not prejudice in any way the rights of Landlord
to collect the deficiency for any subsequent month by a similar proceeding.
Landlord, in putting the Premises in good order or preparing the same for
re-rental may, at Landlord's option, make such alterations, repairs,
replacements, and/or decorations in the Premises as Landlord, in Landlord's sole
judgment, considers advisable and necessary for the purpose of re-letting the
Premises, and the making of such alterations, repairs, replacements, and/or
decorations shall not operate or be construed to release Tenant from liability
hereunder as aforesaid. Landlord shall in no event be liable in any way
whatsoever for failure to re-let the Premises, or in the event that the Premises
are re-let, for failure to collect the rent thereof under such re-letting, and
in no event shall Tenant be entitled to receive any excess, if any, of such net
rent collected over the sums payable by Tenant. Landlord shall have the right of
injunction and the right to invoke any remedy allowed at law or in equity as if
re-entry, summary proceedings and other remedies were not herein provided for.
Mention in this Lease of any particular remedy shall not preclude Landlord form
any other remedy in law or in equity. Tenant hereby expressly waives any and all
rights of redemption granted by or under any present or future laws in the event
of Tenant being evicted or dispossessed for any cause, or in the event of
Landlord obtaining possession of Premises, by reason of the violation by Tenant
of any of the covenants and conditions of this Lease, or otherwise.

                                       19
<PAGE>

           (B) In the event this Lease is terminated pursuant to the provisions
of Article 20 herein, then in addition to the remedies Landlord may have
pursuant to Section 21 (A) herein, Landlord may elect, as its option, to recover
from Tenant, all damages it may incur by reason of such breach, including the
cost of recovering the Premises and reasonable attorneys' fees and expenses and
shall be entitled to recover as and for liquidated damages, and not as a
penalty, an amount equal to the difference between (1) the Minimum Rent,
Additional Rent and charges equivalent to rent payable hereunder for the
remainder of the stated term and (2) the reasonable rental value of the Premises
for the remainder of the stated term, all of which shall be immediately due and
payable by Tenant. In determining the rental value of the Premises for such
period, the rental realized by and reletting, if such reletting be accomplished
by Landlord within a reasonable period of time after the termination of this
Lease, shall be deemed PRIMA FACIE to be the rental value. Landlord shall not be
liable in any way whatsoever for its failure or refusal to relect the Premises
or any part thereof, or if the Premises are so relet, for its failure to collect
the rent under such reletting, and no refusal or failure to relet or failure to
collect rent shall affect Tenant's liability for damages or otherwise hereunder.
Nothing herein contained shall limit or prejudice the right of Landlord to prove
and obtain as liquidated damages by reason of such termination an amount equal
to the maximum allowed by any statute or rule of law in effect at the time when,
and governing the proceeding in which, such damages are to be proved, whether or
not such amount be greater, equal to, or less than the amounts referred to
herein.

FEES AND EXPENSES:

           22. If Tenant shall default in the observance or performance of any
term or covenant on Tenant's part to be observed or performed under or by virtue
of any of the terms or provisions in any Article of this Lease, then, unless
otherwise provided elsewhere in this Lease, Landlord may immediately or at any
time thereafter and without notice perform the obligation of Tenant thereunder,
and if Landlord, in connection therewith or in connection with any default by
Tenant in the covenant to pay rent hereunder, makes any expenditure or incurs
any obligations for the payment of money, including but not limited to
attorneys' fees, in instituting, prosecuting or defending any action or
proceeding, such sums so paid or obligations incurred with interest and costs
shall be deemed to be additional rent hereunder and shall be paid by Tenant to
Landlord within five (5) days of rendition of any bill or statement to Tenant
therefore, and if the Term shall have expired at the time of making of such
expenditures or incurring of such obligations, such sums shall be recoverable by
Landlord as damages.

NO REPRESENATIONS BY LANDLORD:

           23. Neither Landlord nor Landlord's agents have made any
representations or promises with respect to the physical condition of the
building, the Land or the Premises, the rents, leases, expenses of operation or
any other matter or thing affecting or related to the premises except as herein
expressly set forth and no rights, easements or licenses are acquired by Tenant
by implication or otherwise except as expressly set forth in the provisions of
this Lease. Tenant has inspected the building and the Premises and is thoroughly
acquainted with their condition, and agrees to take the same "as is" and
acknowledges that the taking of possession of the Premises by Tenant shall be
conclusive evidence that the said premises and the building were in good and
satisfactory condition at the time such possession was so taken. All
understandings and agreements heretofore made between the parties hereto are
merged in this Lease, which alone fully and completely expressed the agreement
between Landlord and Tenant and any executory agreement hereafter made shall be
ineffective to change, modify, discharge or effect an abandonment of it in whole
or in part, unless such executory agreement is in writing and signed by the
party against whom enforcement of the change, modification, discharge or
abandonment is sought.

END OF TERM:

           24. Upon the expiration or other termination of the term of this
Lease, Tenant shall quit and surrender to Landlord the Premises, broom clean, in
good order and condition, ordinary wear excepted, and Tenant shall perform any
restoration obligation imposed upon Tenant pursuant to the terms hereof,
including, without limitation, Article 7. Tenant's obligation to observe or
perform this covenant shall survive the expiration or other termination of this
Lease. If the last day of the term of this Lease or any renewal thereof, falls
on Sunday, this Lease shall expire at noon on the preceding Saturday unless it
be a legal holiday in which case it shall expire on the preceding business day.

                                       20
<PAGE>

QUIET ENJOYMENT:

           25. Landlord covenants and agrees with Tenant that upon Tenant paying
the Minimum Rent and additional rent and observing and performing all the terms,
covenants and conditions, on Tenant's part to be observed and performed, Tenant
may peaceably and quietly enjoy the premises hereby demised, subject,
nevertheless, to the terms and conditions of this Lease including, but not
limited to, Article 32 hereof and to the ground leases, underlying leases and
mortgages hereinbefore mentioned.

FAILURE TO GIVE POSSESSION:

           26. If Landlord is unable to give possession of the Premises on the
date of the commencement of the term hereof, because of the holding-over or
retention of possession of any tenant, undertenant or occupants, or for any
other reason, Landlord shall not be subject to any liability for failure to give
possession on said date and, subject to Section 1(C) above, the validity of this
Lease shall not be impaired under such circumstances, nor shall the same be
construed in any wise to extend the term of this Lease or of any rent abatement
or free rent period provided herein, if any, but the rent payable hereunder
shall be abated (provided Tenant is not responsible for the inability to obtain
possession) until after Landlord shall have given Tenant written notice that the
premises are substantially ready for Tenant's occupancy. If permission is given
to Tenant to enter into the possession of the Premises prior to the date
specified as the commencement of the term of this Lease, Tenant covenants and
agrees that such occupancy shall be deemed to be under all the terms, covenants,
conditions and provisions of this Lease, except as to the covenant to pay
Minimum Rent and Additional Rent pursuant to Articles 3 and 5, respectively. The
provisions of this Article are intended to constitute "an express provision to
the contrary" within the meaning of Section 223-a of the new York Real Property
Law.

NO WAIVER:

           27. The failure of Landlord to seek redress for violation of, or to
insist upon the strict performance of any covenant or condition of this Lease or
of any of the Rules or Regulations set forth in or hereafter adopted by
Landlord, shall not prevent a subsequent act which would have originally
constituted a violation from having all the force and effect of an original
violation. The payment by Tenant or the receipt by Landlord of rent with
knowledge of the breach of any covenant of this Lease shall not be deemed a
waiver of such breach and no provision of this Lease shall be deemed to have
been waived Landlord or Tenant, as the case may be, unless such waiver be in
writing signed by Landlord or Tenant, as the case may be. No payment by Tenant
or receipt by Landlord of a lesser amount than the monthly rent herein
stipulated shall be deemed to be other than an account of the earliest
stipulated rent, nor shall any endorsement or statement of any check or any
letter accompanying any check or payment as rent be deemed an accord and
satisfaction, and Landlord may accept such check or payment without prejudice to
Landlord's right to recover the balance of such rent or pursue any other remedy
in this Lease provided. No act or thing done by Landlord or Landlord's agents
during the term hereby dismissed shall be deemed an acceptance of a surrender of
said premises and no agreement to accept such surrender shall be valid unless in
writing signed by Landlord. No employee of Landlord or Landlord's agent shall
have any power to accept the keys of said premises prior to the termination of
this Lease and the delivery of keys to any such agent or employee shall not
operate as a termination of this Lease or a surrender of the premises.

WAIVER OF TRIAL BY JURY:

           28. It is mutually agreed by and between Landlord and Tenant that the
respective parties hereto shall and they hereby do waive trial by jury in any
action, proceeding (except for personal injury or property damage) on any
matters whatsoever arising out of or in any way connected with this Lease, the
relationship of Landlord and Tenant, Tenant's use of or occupancy of the
premises, and any emergency statutory or any other statutory remedy. It is
further mutually agreed that in the event Landlord commences any summary
proceeding for possession of the premises, Tenant will not interpose any
counterclaim of whatever nature or description in any such proceeding.

                                       21
<PAGE>

INABILITY TO PERFORM:

           29. This Lease and the obligation of Tenant to pay rent hereunder and
perform all of the other covenants and agreements hereunder on part of Tenant to
be performed shall in no way be affected, impaired or excused because Landlord
is unable to perform any of its obligations under this Lease or to supply or is
delayed in supplying any service expressly or impliedly to be supplied or is
unable to make, or is delayed in making any repair, additions, alterations or
decorations or is unable to supply or is delayed from so doing by reason of
strike or labor troubles or any cause whatsoever including, but not limited to,
government preemption in connection with a national emergency or by reason of
any rule, order or regulation of any department or subdivision thereof of any
government agency or by reason of the conditions of supply and demand which have
been or are affected by war or other emergency.

CAPTIONS:

           30. The captions are inserted only as a matter of convenience and for
reference and in no way define, limit or describe the scope of this Lease nor
the intent of any provision hereof.

ADJACENT EXCAVATION - SHORING:

           31. If an excavation shall be made upon land adjacent to the
Premises, or shall be authorized to be made, Tenant shall afford to the person
causing or authorized to cause such excavation, license to enter upon the
Premises for the purpose of doing such work as said person shall deem necessary
to preserve the wall or the building from injury or damage and to support the
same by proper foundations without any claim for damages or indemnity against
Landlord, or diminution or abatement of rent.

RULES AND REGULATIONS:

           32. Tenant and Tenant's servants, employees, agents, visitors, and
licensees shall observe faithfully, and comply strictly with, the Rules and
Regulations attached hereto as Exhibit B and such other and further reasonable
Rules and Regulations as Landlord or Landlord's agents may from time to time
adopt. Notice of any additional rules or regulations shall be given in such
manner as Landlord may elect. In case Tenant disputes the reasonableness of any
additional Rule or Regulation hereafter made or adopted by Landlord or
Landlord's agents, the parties hereto agree to submit the question of the
reasonableness of such Rule or Regulation for decision to the New York office of
the American Arbitration Association, whose determination shall be final and
conclusive upon the parties hereto. The right to dispute the reasonableness of
any additional Rule or Regulation upon Tenant's part shall be deemed waived
unless the same shall be asserted by service of a notice, in writing upon
Landlord within ten (10) days after the giving of notice thereof. Nothing in
this Lease contained shall be construed to impose upon Landlord any duty or
obligation to enforce the Rules and Regulations or terms, covenants or
conditions in any other lease, as against any other tenant and Landlord shall
not be liable to Tenant for violation of the same by any other tenant, its
servants, employees, agents, visitors or licensees.

                                       22
<PAGE>

SECURITY:

           33. Tenant has deposited with Landlord the sum of $83,722.50 as
security for the faithful performance and observance by Tenant of the terms,
provisions and conditions of this Lease; it is agreed that in the event Tenant
defaults in respect of any of the terms, provision and conditions of this Lease,
including, but not limited to, the payment of Minimum Rent and additional rent,
Landlord may use, apply or retain the whole or any part of the security so
deposited to the extent required for the payment of any Minimum Rent and
additional Rent or any other sum as to which Tenant is in default or for any sum
which Landlord may expend or may be required to expend by reason of Tenant's
default in respect of any of the terms, covenants and conditions of this Lease,
including but not limited to, any damages or deficiency in the reletting of the
premises, whether such damages or deficiency accrued before or after summary
proceedings or other re-entry by Landlord. In the event Landlord shall use,
apply or retain the whole or any part of the security deposited hereunder,
Tenant shall immediately deliver to Landlord an amount equal to the sum used,
applied or retained by Landlord in accordance therewith so that Landlord shall
have as the security hereunder an amount equal to $83,722.50. In the event that
Tenant shall fully and faithfully comply with all of the terms, provisions,
covenants and conditions of this Lease, the security shall be returned to Tenant
after the date fixed as the end of this Lease, and after delivery of possession
of the entire Premises to Landlord. In the event of a sale of the Land and
building or leasing of the building, Landlord shall have the right to transfer
the security to the vendee or lessee and Landlord shall thereupon be released by
Tenant from all liability for the return of such security; and Tenant agrees to
look to the new Landlord solely for the return of said security. If Landlord
transfers its interest in the Premises and does not assign the security to the
vendee or lessee, following the assignment, Tenant shall not be obligated to
replace the security, except to the extent Tenant is obligated to replenish the
security as provided above in this paragraph. It is agreed that the provisions
hereof shall apply to every transfer or assignment made of the security to a new
Landlord. Tenant further covenants that it will not assign or encumber or
attempt to assign or encumber the monies deposited herein as security and that
neither Landlord nor its successors or assigns shall be bound by any such
assignment, encumbrance, attempted assignment or attempted encumbrance. Tenant
represents that its Federal I.D. number is 22-3276736.

           (B) LETTER OF CREDIT; Tenant shall have the right, either (i) in lieu
of the funds required to be deposited with Landlord pursuant to Section 33(A)
above or (ii) at any time thereafter in substitution for such funds, to deposit
and maintain with Landlord as the security deposit hereunder, an irrevocable
commercial letter of credit in the aggregate amount of $83,722.50 in form and
substance satisfactory to Landlord, and issued by a member bank of the New York
Clearing House Association, acceptable to Landlord, payable upon the
presentation by Landlord to such bank of a sight-draft, without presentation of
any other documents, statements or authorizations, which letter of credit shall
provide (a) for the continuance of such credit for the period of at least one
(1) year from the date hereof, (b) for the automatic extension of such letter of
credit for additional periods of one (1) year from the initial and each future
expiration date thereof (the last such extension to provide for the continuance
of such letter of credit for at least three (3) months beyond the Expiration
Date), unless such bank gives Landlord notice of its intention not to renew such
letter of credit not less than seventy-five (75) days prior to the initial or
any future expiration date of such letter of credit and (c) that in the event
such notice is given by such bank, Landlord shall have the right to draw on such
bank at sight for the balance remaining in such letter of credit and hold and
apply the proceeds thereof in accordance with the provisions of this Article.
Each letter of credit to be deposited and maintained with Landlord (or the
proceeds thereof) shall be held by Landlord as security for the faithful
performance and observance by Tenant of the terms, provisions and conditions of
this Lease, and in the event that (x) any default occurs under this Lease, (y)
Landlord transfers its right, title and interest under this Lease to a third
party and the bank issuing such letter of credit does not consent to the
transfer of such letter of credit to such third party, or (z) notice is given by
the bank issuing such letter of credit that it does not intend to renew the
same, as above provided, then, in any such event, Landlord may draw the entire
amount on such letter of credit, and the proceeds of such letter of credit shall
then be held and applied as security (and be replenished, if necessary) as
provided herein. In the event Landlord shall use, apply or retain the whole or
any part of the security deposited hereunder, Tenant shall immediately deliver
to Landlord an amount equal to the sum used, applied or retained by Landlord in
accordance therewith so that at all times during the term hereof, Landlord shall
have as the security hereunder an amount equal to $83,722.50 Tenant shall pay
Landlord's reasonable attorneys' fees in connection with the replacement,
substitution or amendment of the letter of credit described herein or the
drawing thereon by Landlord.

                                       23
<PAGE>

SUCCESSORS AND ASSIGNS:

           34. The covenants, conditions and agreements contained in this Lease
shall bind and inure to the benefit of Landlord and Tenant and their respective
heirs, distributees, executors, administrators, successors, and except as
otherwise provided in this Lease, their assigns.

INSURANCE:

           35. Tenant covenants and agrees to obtain on or before the
Commencement Date and to keep in force during the Term (a) "all risk" property
insurance covering all present and future property of Tenant, furniture and/or
furnishings and any Alterations installed by or on behalf of Tenant, to a limit
of not less than the full replacement value thereof, such insurance to include a
replacement cost endorsement; and (b) a comprehensive general public liability
insurance policy protecting against any liability whatsoever, occasioned by any
occurrence on or about the Premises or any appurtenances thereto. As of the date
of this Lease, Landlord requires limits of liability thereunder of not less than
the amount of Three Million ($3,000,000.00) dollars per occurrence for bodily or
personal injury (including death) and in the amount of Five Hundred Thousand
($500,000.00) Dollars in respect of property damage. The insurance policies
required hereunder shall be written by good and solvent insurance companies
satisfactory to Landlord, and shall be in such limits as Landlord may reasonably
require. All insurance required hereunder shall name Tenant as the insured and
shall also name as additional insureds Landlord and such other parties as
Landlord shall designate as additional insureds. The insurance required hereby
may be carried under a blanket policy covering the Premises and other locations
of Tenant, if any. Prior to the time such insurance is first required to be
carried by Tenant and thereafter, at least fifteen (15) days prior to the
effective date of such policy, Tenant agrees to deliver to Landlord either a
duplicate original of the aforesaid policies or a certificate evidencing such
insurance, except that the property insurance referred to above, however, must
be evidenced by delivery by Tenant to Landlord of the ACORD Form 27, Evidence of
Property Insurance Form or its equivalent. Said certificate (including ACORD
Form 27 or its equivalent) shall contain an endorsement that such insurance may
not be cancelled except upon at least thirty (30) days' prior notice to all
insureds thereunder. Tenant's failure to provide and keep in force the
aforementioned insurance shall be regarded as a material default hereunder
entitling Landlord to exercise any or all of the remedies as provided in this
Lease in the event of Tenant's default. At the option of Landlord, the originals
of all policies of insurance shall be held by Landlord.

BROKERAGE:

           36. Tenant covenants, represents and warrants that Tenant has had no
dealings or communications with any broker or agent in connection with the
consummation of this Lease other than the Brokers, and Tenant covenants and
agrees to hold harmless and indemnify Landlord and its officers, directors,
employees and members from and against any and all cost, expense (including
reasonable attorneys' fees) and liability arising out of any inaccuracy or
alleged inaccuracy of the above representation. Landlord shall have no liability
for any brokerage commissions arising out of a sublease or assignment by Tenant.
Tenant's liability under this Article extends to the acts and omissions of any
employees, officers, directors, shareholders, members, and representatives of
Tenant. Landlord agrees to pay any commission due the Brokers with respect to
this Lease pursuant to the terms of separate written agreements. In case any
action or proceeding is brought against Landlord by reason of any brokerage
claim other than by the Brokers, Tenant, upon written notice from Landlord,
will, at Tenant's expense, resist or defend such action or proceeding by counsel
approved by Landlord in writing. The provisions of this Article 36 shall survive
the expiration or sooner termination of this Lease.

ESTOPPEL CERTIFICATE:

           37. Tenant, shall, at any time and from time to time, as requested by
Landlord, upon ten (10) days' prior notice, execute and deliver to Landlord a
statement setting forth the Commencement Date, the Expiration Date, the Minimum
Rent and Additional Rent and certifying that this Lease is unmodified and in
full force and effect (or if there have been modifications, that the same is in
full force as modified and stating the modifications), the dates to which the
Minimum Rent and Additional Rent have been paid, whether or not, to the best
knowledge of Tenant, Landlord is in default in performance of any of its
obligations under this Lease, and, if so, specifying each such default of which
Tenant may have knowledge, and whether there exist any offsets or defenses
against enforcement of any of the terms of this Lease upon the part of Tenant to
be performed, and, if so, specifying the same, and any other information
Landlord may reasonably request, it being intended that any such statement
delivered pursuant hereto may be relied upon by others with whom Landlord may be
dealing.

                                       24
<PAGE>

HOLDING OVER:

           38. (A) Tenant acknowledges that possession of the entire Premises
must be surrendered to Landlord at the expiration or sooner termination of the
term hereof. The parties recognize and agree that the damage to Landlord
resulting from any failure by Tenant timely to surrender possession of the
entire Premises as aforesaid will be substantial, will exceed the amount of
annual Minimum Rent and additional rent theretofore payable hereunder, and will
be impossible to measure accurately. Tenant therefore agrees that if possession
of the entire Premises if not surrendered to Landlord upon the expiration or
sooner termination of the term of this Lease, then notwithstanding anything to
the contrary contained in this Lease, Tenant shall pay to Landlord for each
month and for each portion of any month during which Tenant holds over in the
Premises after the expiration or sooner termination of the term hereof, for use
and occupancy, Minimum Rent at (i) 150% of the final monthly rate specified in
Article 3 for the first sixty (60) days that Tenant thus remains in possession,
(ii) 200% of the final monthly rate specified in Article 3 for the next sixty
(60) days that Tenant thus remains in possession and (iii) 250% thereafter,
together with all Additional Rent payable hereunder (and Landlord may accept
such amounts without in any way waiving its rights to require Tenant to vacate
the Premises) and, in addition thereto, Tenant shall pay Landlord for all
damages, consequential as well as direct, sustained by reason of Tenant's
retention of possession.

           (B) If Tenant remains in possession of the Premises, or any part
thereof, after the termination of the term of this Lease, such holding over
shall, at the election of Landlord expressed in a written notice to Tenant and
not otherwise, constitute a tenancy from month-to-month. The provisions of this
Article do not imply any right in Tenant to remain in the Premises after the
termination of this Lease, or exclude Landlord's right of re-entry or any other
right or remedy hereunder or at law which Landlord may have against a holdover
tenant. If Tenant shall hold over, Tenant expressly waives any rights it may
have under Section 2201 of the New York Civil Practice Law and Rules or any
similar statute.

NOTICES:

           39. Every notice, demand, consent, approval, request or other
communication (collectively, "notices") which may be or is required to be given
under this Lease or by law shall be in writing and shall be sent either by (a)
United States certified or registered mail, postage prepaid, return receipt
requested, or (b) reputable overnight courier or (c) hand delivery (against
confirmation of delivery), and shall be addressed:

                               (i) if to Tenant, addressed to Tenant at the
                     Property, or at such other place as Tenant may
                     from time to time designate by notice to Landlord;

                               (ii) if to Landlord, addressed to the office of
                     Landlord set forth above or at such other place as Landlord
                     may from time to time designate by notice to Tenant.

and the same shall be deemed delivered (A) the third business day after being
deposited in the United States mail, (B) the business day following delivery to
an overnight courier or (C) when delivered by hand. A copy of any notice to
Landlord shall be sent in like manner to Landlord's counsel, Richards & O'Neil,
LLP, 885 Third Avenue, New York, New York 10022, Attention: Robert M. Safron,
Esq. A notice given by counsel for Landlord or Tenant shall be deemed a valid
notice if addressed and sent in accordance with the provisions of this Article.
Either party may designate, by similar written notice to the other party, any
other address for such purposes. Each of the parties hereto waives personal or
any other service other than as provided for in this Article. Notwithstanding
the foregoing, either party hereto may give the other party telegraphic notice
of the need of emergency repairs. Notices requesting after hours services may be
given by delivery to the Building Manager or any other person in the Building
designated by Landlord to receive such notices. Landlord's Tax Statements,
Landlord's Operating Statements and all other rent bills may be delivered by
Landlord via ordinary United States mail.

                                       25
<PAGE>

CHANGE OF LOCATION:

           40. (A) Tenant covenants and agrees that Landlord shall at any time
during the term have the absolute and unqualified right, upon notice, to Tenant,
to designate as the Premises any part of any other floor in the Building,
provided that the rentable square footage of the space substituted for the
Premises does not differ from that of the Premises by more than five percent
(5%). Such notice shall specify and designate the space so substituted for the
Premises. Notwithstanding such substitution of space, and except as otherwise
provided herein, this Lease and all the terms, provisions, covenants and
conditions contained in this Lease shall remain and continue in full force and
effect, except that the Premises shall be and be deemed to be such substitute
space (hereinafter called "Substituted Space"), with the same force and effect
as if the Substituted Space were originally specified in this Lease as the
premises hereunder.

           (B) In the event of the substitution of space as provided in Section
40(A) above:

                               (i) Landlord shall, at Landlord's expense,
                     prepare the Substituted Space in substantially the same
                     manner as Tenant has prepared the Premises and shall have
                     the right to remove any floor covering, wallcovering,
                     cabinet work, and any other decoration to the Substituted
                     Space, as well as telephone lines and any other
                     communication line to the Substitute Space;

                               (ii) as soon as Landlord has completed preparing
                     the Substituted Space as set forth herein, Tenant upon ten
                     (10) days' prior written notice shall move in to the
                     Substitute Space, and promptly following receipt by
                     Landlord of invoices or other satisfactory evidence of such
                     costs, Landlord shall reimburse Tenant for Tenant's actual,
                     reasonable out-of-pocket third party costs to relocate its
                     furnishings, equipment and person property to the
                     Substituted Space. If, however, Tenant shall fail to so
                     move to the Substituted Space, Landlord may, as Tenant's
                     agent, remove Tenant from the Premises so the Substituted
                     Space, at Tenant's sole cost and expense. Failure of Tenant
                     to move to the Substituted Space pursuant to this Article
                     shall be deemed a substantial breach of this Lease.

           (C) Following such substitution of space, if any, Landlord and Tenant
shall, promptly at the request of either party, execute and deliver an agreement
in recordable form setting forth such substitution of space and the change (if
any) in the Minimum Rent, additional rent, and rentable area in the appropriate
places in this Lease. Any failure to execute such written agreement shall not
affect such substitution of space and the change (if any) in the Minimum Rent,
additional rent, and rentable area.

LANDLORD'S CONTRIBUTION:

           41. (A) Landlord shall make a contribution ("Landlord's
Contribution") in the amount of sums expended by Tenant for initial permanent
leasehold improvements to prepare the Premises for occupancy by the Tenant
("Tenant's Work"), but in no event greater than $29,768.00 in the aggregate. No
more than 10% of Landlord's Contribution shall be applied to Soft Costs (as
hereinafter defined). Such Landlord's Contribution shall be made in one
installment upon Tenant's request for payment and shall be given to Tenant
within thirty (30) days after Tenant's satisfaction of the following conditions
with respect to such request for payment:

                               (i) Tenant shall have delivered to Landlord a
                     completed requisition for payment, signed and certified as
                     true by Tenant and by Tenant's engineer, architect or
                     designer, stating the amount requested for payment (which
                     shall include an itemized breakdown of the costs and
                     expenses incurred by Tenant) accompanied by copies of paid
                     invoices, bills or receipts (or other evidence reasonably
                     satisfactory to Landlord) for the costs with respect to
                     which such request for payment is being made;

                               (ii) Tenant's Work shall have been completed
                     substantially in accordance with plans and specifications
                     approved by Landlord and otherwise in accordance with all
                     of the terms and conditions of this Lease and such
                     completion shall be certified by Tenant and Tenant's
                     engineer, architect or designer;

                                       26
<PAGE>

                               (iii) Tenant shall not be in default under this
                     Lease; and

                               (iv) Tenant shall have fully paid all bills for
                     labor, materials and services in connection with Tenant's
                     Work, and Tenant shall provide Landlord with (i)
                     satisfactory evidence of payment thereof, including paid
                     bills and cancelled checks, (ii) executed lien waivers from
                     all contractors respecting work performed through Tenant's
                     request for payment, and (iii) evidence that the applicable
                     municipal departments have issued the appropriate sign-offs
                     relating to Tenant's Work, including, without limitation, a
                     completion letter from the New York City Department of
                     Buildings.

           (B) Upon Tenant's failure to properly perform, complete and fully pay
for Tenant's Work, as reasonably determined by Landlord, Landlord shall be
entitled to draw on any security deposited under this Lease to the extent it
deems necessary to complete Tenant's Work, to effect any necessary restoration
and/or protection of the Premises or the Building and to apply such funds to the
payment or satisfaction of any costs, damages or expenses in connection with the
foregoing and/or Tenant's obligations under this Article and this Lease relating
to Tenant's Work and repairs, including, without limitation, the satisfaction of
any mechanic's lien.

           (C) Tenant's Work shall be performed by Tenant in compliance with
Landlord's Rules and Regulations, all applicable requirements of insurance
bodies, and with all applicable Legal Requirements (including, without
limitation, the Americans With Disabilities Act of 1990), and the same shall be
diligently performed in a good and workmanlike manner.

           (D) The term "Soft Costs" shall mean any amounts paid by Tenant in
connection with Tenant's Work attributable to architect, engineering, and permit
and filing fees.

CERTAIN RIGHTS RESERVED TO LANDLORD:

           42. Landlord reserves the following rights:

           (A) To name the Property.

           (B) To install and maintain a sign or signs on the Property.

           (C) To constantly have pass keys to the Premises and to any
portion(s) of the Premises that is secured by Tenant.

           (D) To close the Building for all days observed by the State or
Federal Government as legal holidays and those designated as holidays by the
applicable building service union employees service contract or by the
applicable Operating Engineers contract with respect to HVAC service.

HAZARDOUS MATERIALS:

           43. (A) Tenant hereby represents, warrants and covenants that it
shall not install or permit any Hazardous Materials (as hereinafter defined) to
be placed or stored in or about the Premises. Tenant shall indemnify and hold
Landlord harmless from and against any claims, demands, losses, liabilities,
penalties and damages arising out of, or in any way connected with the
installation, placement, storage or release of Hazardous Materials used or
installed by Tenant, Tenant's employees, contractors or agents upon the
Premises. If Tenant, or its employees, contractors or agents install, use, store
or place Hazardous Materials in the Premises, Tenant shall be obligated to
remove and dispose of said Hazardous Materials in compliance with all Legal
Requirements. This covenant shall survive the expiration or earlier termination
of this Lease.

           (B) As used herein, the term "Hazardous Materials" shall be any
petroleum product, asbestos product, or any other material, substance or waste
that is now, or hereafter during the Term, recognized as being hazardous or
dangerous to health or the environment by any federal, state or local agency
having jurisdiction over the Building.

                                       27
<PAGE>

CONDOMINIUM CONVERSION:

           44. (A) Tenant hereby acknowledges and agrees that Landlord shall
have the right, at any time during the Term in its sole discretion, to convert
(the "Condominium Conversion") the Building and the Land to the condominium form
of ownership, consisting of two (2) or more condominium units and theirs
respective, undivided interests in the common elements of such condominium (the
"Condominium Units") (as so converted, the Land and the Building are sometimes
hereinafter referred to collectively as the "Condominium"). Landlord shall give
Tenant not less than thirty (30) days' notice of such proposed Condominium
Conversion. In the event that Landlord proceeds with the Condominium Conversion:

                        (i) Tenant shall promptly cooperate in all respects with
                  Landlord's efforts to accomplish such Condominium Conversion,
                  such cooperation to include, without limitation, the
                  execution, to the extent deemed necessary by Landlord, of any
                  documents reasonably necessary to the formation and/or conduct
                  of the Condominium (the "Condominium Documents"). Tenant
                  acknowledges that the Condominium Documents may include,
                  without limitation, a Declaration of Condominium, Condominium
                  By-Laws and a subordination of this Lease to such Condominium
                  Documents.

                        (ii) The Condominium Unit of which the Premises forms a
                  part (the "Tenant Unit") may consist in whole or in part of
                  the Premises.

                        (iii) The contents of the Condominium Documents shall be
                  binding upon the Tenant Unit and Tenant.

                        (iv) The Condominium Documents shall provide for the
                  fair and equitable allocation of the expenses of the
                  Condominium among the various Condominium Units.

           (B) In the event that the Land and Building are converted to
condominium ownership, then notwithstanding anything to the contrary contained
in Article 5 hereof, for purposes of calculating Tenant's Tax Payment with
respect to the Tenant Unit, the following provisions shall apply:

                        (i) The terms "Land", "Building", and "Property", as
                  they appear herein, shall be deemed to collectively refer to
                  the Tenant Unit;

                        (ii) Tenant's Proportionate Share shall be a fraction,
                  expressed as a percentage, the numerator of which shall be the
                  number of rentable square feet contained in the Premises and
                  the denominator of which shall be the number of rentable
                  square feet contained in the Tenant Unit; and

                        (iii) The term "Tax Base", as it appears in Article 5
                  hereof, shall be recalculated by Multiplying the Tax Base in
                  effect prior to such recalculation, on a per rentable square
                  foot basis, by the number of rentable square feet in the
                  Tenant Unit.

           (C) In the event that Land and Building are converted to condominium
ownership, then notwithstanding anything to the contrary contained in Article 5
hereof, for purposes of calculating Tenant's payment on account of the Operating
Excess with respect to the Tenant Unit, the following provisions shall apply:

                  (i) The term "Operating Expenses", as it appears in Article 5
hereof, shall be deemed to refer to expenses incurred by or allocable to the
Tenant Unit, including, without limitation, the Tenant Unit's proportionate
share of such items otherwise in the nature of Operating Expenses which are
payable as common area charges attributable to the Tenant Unit, as such common
area charges shall be determined pursuant to the Condominium Documents;

                  (ii) Tenant's Proportionate Share shall be a fraction,
expressed as a percentage, the numerator of which shall be the number of
rentable square feet contained in the Premises and the denominator of which
shall be the number of rentable square feet contained in the Tenant Unit; and

                                       28
<PAGE>

                  (iii) The term "Base Operating Expenses," as it appears in
Article 5 hereof, shall be recalculated by multiplying the Base Operating
Expenses in effect prior to such recalculation, on a per rentable square foot
basis, by the number of rentable square feet in the Tenant Unit.

                  (iv) In no event shall the conversion of the Land and Building
to condominium form of ownership result in any increased expenses, whether
taxes, operating or otherwise, to Tenant, or reduce beyond a de minimis extent
any rights, title, interests or benefits afforded Tenant pursuant to this Lease.

MISCELLANEOUS:

           45. (A) If any of the provisions of this Lease, or the application
thereof to any person or circumstances, shall, to any extent, be invalid or
unenforceable, the remainder of this Lease, or the application of such provision
or provisions to persons or circumstances other than those as to whom or which
it is held invalid or unenforceable, shall not be affected thereby, and every
provision of this Lease shall be valid and enforceable to the fullest extent
permitted by law.

           (B) This Lease shall be governed in all respects by the laws of the
State of New York.

           (C) If, in connection with obtaining financing for the Building, a
bank, insurance company or other lending institution shall request reasonable
modifications to this Lease as a condition to such financing. Tenant will not
unreasonably withhold its consent thereto, provided that such modifications do
not materially and adversely affect Tenant's rights or obligations hereunder.

           (D) Whenever it is specifically provided in this Lease that a party's
consent is not to be unreasonably withheld, a response to a request for such
consent shall also not be unreasonably delayed. If either Landlord or Tenant
considers that the other has unreasonably withheld or delayed a consent, it
shall so notify the other party within thirty (30) days after receipt of notice
of denial of the requested consent or, in case notice of denial is not received
within ten (10) days after making its request for the consent, within ten (10)
days thereafter. Tenant hereby waived any claim against Landlord which it may
have based upon any assertion that Landlord has unreasonably withheld or
unreasonably delayed any such consent, and Tenant agrees that its sole remedy
shall be an action or proceeding to enforce any such provision or for specific
performance, injunction or declaratory judgment. In the event of such a
determination, the requested consent shall be deemed to have been granted;
however, Landlord shall have no liability to Tenant for its refusal or failure
to give such consent. The sole remedy for Landlord's unreasonably withholding or
delaying of consent shall be as provided in this Section. Notwithstanding
anything to the contrary provided in this Lease, in any instance where the
consent of a ground lessor and/or a mortgagee is required, Landlord shall not be
required to give its consent until and unless such ground lessor and/or
mortgagee has given its consent. Landlord agrees to seek such consent if
Landlord would otherwise consent in such instance.

           (E) The persons executing this Lease on behalf of Landlord and Tenant
each hereby represents and warrants that they have been duly authorized to
execute this Lease for and on behalf of such party.

           (F) Tenant shall not place any signage on the entrance to the
Premises other than the Building standard signage to be furnished by Landlord to
Tenant at Tenant's cost and expense. The listing of any name other than that of
Tenant, whether on the doors of the Premises, on the Building directory, if any,
or otherwise, shall not operate to vest any right or interest in this Lease or
in this Premises, nor shall it be deemed to be the consent of Landlord to any
assignment or transfer of this Lease, to any sublease of the Premises, or to the
use or occupancy thereof by others.

                                       29
<PAGE>

           (G) If Tenant is a partnership (or is comprised of two (2) or more
persons, individually, or as joint ventures or as copartners of a partnership,
which for purposes of this Section shall include a limited liability partnership
and a limited liability company) or if Tenant's interest in this Lease shall be
assigned to a partnership (or to two (2) or more persons, individually, or as
joint ventures or as copartners or a partnership) (any such partnership and such
persons are referred to in this Section as "Partnership Tenant"), the following
provisions shall apply to such Partnership Tenant: (i) the liability of each of
the parties comprising Partnership Tenant shall be joint and several, and (ii)
each of the parties compromising Partnership Tenant hereby consents in advance
to and agrees to be bound by, any modifications, termination, discharge or
surrender of this Lease which may hereafter be made and by any notices, demands,
requests or other communications which may hereafter be given, by Partnership
Tenant, and (iii) any bills, statements, notices, demands, requests or other
communications given or rendered to Partnership Tenant or to any of the parties
comprising Partnership Tenant shall be deemed given or rendered to Partnership
Tenant or to any of the parties comprising Partnership Tenant and shall be
binding upon Partnership Tenant and all parties, and (iv) if Partnership Tenant
shall admit new partners, all such new partners shall, by their admission to
Partnership Tenant, be deemed to have assumed performance of all of the terms,
covenants and conditions of this Lease on Tenant's part to be observed and
performed and (v) Partnership Tenant shall give prompt notice to Landlord of the
admission of any such new partners.

           (H) In the event that Landlord or Tenant places the enforcement of
this Lease or the collection of any Minimum Rent or additional rent due, or to
become due hereunder, or recovery of the possession of the Premises, in the
hands of an attorney, or files suit upon the same, Landlord shall recover its
attorneys' fees, disbursements and court costs from Tenant in connection with
such matter, unless Tenant shall obtain a judgment against Landlord in an action
thereon. The provisions of this paragraph shall survive the expiration or
earlier termination of this Lease.

           (I) Landlord and Tenant understand, agree, and acknowledge that (i)
this Lease has been freely negotiated by both parties and (ii) in any
controversy, dispute, or contest over the meaning, interpretation, validity, or
enforceability of this Lease or any of its terms or conditions, there shall be
no inference, presumption, or conclusion drawn whatsoever against either party
by virtue of that party having drafted this Lease or any portion thereof.

           (J) Notwithstanding anything herein to the contrary, it is to be
strictly understood and agreed that (X) the submission by Landlord to Tenant of
any drafts of this Lease or any correspondence with respect thereto shall (i) be
deemed submission solely for Tenant's consideration and not for acceptance and
execution, (ii) have no binding force or effect, (iii) not constitute an option
for the leasing of the Premises or a lease or conveyance of the Premises by
Landlord to Tenant and (iv) not confer upon Tenant or any other party any title
or estate in the Premises, (Y) the terms and conditions of this Lease shall not
be binding upon either party hereto in any way unless and until it is
unconditionally executed and delivered by both parties in their respective sole
and absolute discretion and all conditions precedent to the effectiveness
thereof shall have been fulfilled or waived, and (Z) if this Lease is not so
executed and delivered for any reason whatsoever (including, without limitation,
either party's willful or other refusal to do so or bad faith), neither party
shall be liable to the other with respect to this Lease on account of any
written or oral representations, negotiations, any legal or equitable theory
(including, without limitation, part performance, promissory estoppel, or undue
enrichment) or otherwise.

                                            G.S. 505 PARK, LLC
                                            By:  GLORIOUS SUN 505 PARK INC.

                                            By:        CHUN TO YEUNG
                                                       -------------
                                                       Name:  Chun To Yeung
                                                       Title:  President

                                            CONTINENTAL CHOICE CARE, INC.

                                            By:        STEVEN L. TRENK
                                                       ---------------
                                                       Name:  Steven L. Trenk
                                                       Title:  President

<PAGE>

                                    EXHIBIT A

                                 LEASED PREMISES
                                 ---------------

                                    [DIAGRAM]

                                       A-1
<PAGE>

                                    EXHIBIT B

                              RULES AND REGULATIONS

           1. Tenant shall maintain the Premises and all corridors immediately
adjoining the Premises in a clean, orderly and sanitary condition and free of
insects, rodents, vermin and other pests. Tenant will, at its own cost and
expense, cause the premises to be exterminated from time to time by a
responsible contractor to Landlord's reasonable satisfaction. Tenant shall not
solicit business, distribute handbills or other advertising matter or hold
demonstrations in the areas adjacent to the Building; nor shall Tenant permit
the parking of delivery vehicles so as to interfere with the use of any
driveway, walk or other area adjacent to the Building.

           2. The sidewalks, driveways, entrances, passages, courts, lobby,
plazas, elevators, vestibules, stairways, corridors or halls shall not be
obstructed or encumbered by any tenant or used for any purpose other than
ingress and egress to and from the Premises and Tenant shall not permit any of
its employees, agents or contractors, invited guests and clients to congregate
in any of said areas. No door mat of any kind whatsoever shall be placed or left
in any public hall or outside any entry door of the Premises.

           3. Tenant shall not permit accumulations of any refuse in the
Premises or any adjacent corridors and will pay Landlord's reasonable charges
for the removal of any "wet garbage" or refuse not produced in the normal course
of Tenant's business.

           4. No awnings or other projections shall be attached to the outside
walls of the Building. No curtains, blinds, shades or screens shall be attached
to or hung in, or used in connection with, any window or door of the Premises,
without the prior written consent of Landlord. Such curtains, blinds, shades or
screens shall be attached to or hung in, or used in connection with, any window
or door of the Premises, without the prior written consent of Landlord. Such
curtains, blinds, shades or screens must be of a quality, type, design and
color, and attached in the manner, approved by Landlord.

           5. No sign, insignia, advertisement, object, notice or other
lettering shall be exhibited, inscribed, painted or affixed by any tenant or any
part of the outside or so as to be visible from the outside of the Premises, or
any part of the Premises which shall be visible from the exterior thereof,
without first obtaining Landlord's written approval of such painting or
decoration. Tenant further agrees to design and to maintain such sign or
decoration as may be approved by Landlord in good condition and repair at all
times. In the event of the violation of the foregoing by any tenant, Landlord
may remove the same without any liability, and may charge the expenses incurred
in such removal to the tenant or tenants violating this rule. Interior signs and
lettering on doors and director tablet shall, if and when approved by Landlord,
be inscribed, painted or affixed for each tenant by Landlord at the expense of
such tenant, and shall be of a size, color and style acceptable to Landlord.

           6. The sashes, sash doors, skylights, windows, and doors that reflect
or admit light and air into the halls, passageways or other public places in the
Building shall not be covered or obstructed by Tenant, nor shall any bottles,
parcels, or other articles be placed on the window sills.

           7. No showcases or other articles shall be put in front of or affixed
to any part of the exterior of the Building, nor placed in the halls, corridors
or vestibules. If the premises shall be an entire floor, the elevator lobby in
the Premises shall be kept neat, orderly and fresh in appearance to Landlord's
satisfaction.

           8. The water and wash closets and other plumbing fixtures shall not
be used for any purposes other than those for which they were designed or
constructed, and no sweepings, rubbish, rags, acids or other substances shall be
thrown or deposited therein. All damages resulting from any misuse of the
fixtures shall be repaired at the expense of the tenant who, or whose servants,
employees, agents, contractors, invited guests and clients or licensees shall
have caused the same.

                                      B-1
<PAGE>

           9. No tenant shall mark, paint, drill into or in any way deface, any
part of the Premises or the Building. No boring, cutting, or stringing of wires
shall be permitted, except with the prior written consent of Landlord, and as
Landlord may direct. No tenant shall lay linoleum, or other similar floor
covering, so that the same shall come in direct contact with the floor of the
Premises, and, if linoleum or other similar floor covering is desired to be used
an interlining of builder's deadening felt shall be first affixed to the floor,
by a paste or other material, soluble in water, the use of cement or other
similar adhesive material being expressly prohibited.

           10. No bicycles, vehicles, animals fish or birds of any kind shall be
brought into or kept in or about the Premises.

           11. No noise, including, but not limited to, music or the playing of
musical instruments, recordings, radio or television which, in the judgment of
Landlord, might disturb other tenants in the Building, shall be made or
permitted by any tenant. Nothing shall be done or permitted in the Premises by
Tenant which would impair or interfere with the use of enjoyment by any other
tenant of any other space in the Building. No Tenant shall permit anyone to
throw anything out of the doors, windows or skylights or down the passageways.
Tenant shall keep all mechanical apparatus free of vibration and noise which may
be transmitted beyond the confines of the Premises.

           12. Tenant, its servants, employees, agents, contractors, invited
guests, clients, or licensees, shall not at any time bring or keep upon the
Premises any explosive, toxic or hazardous fluid, chemical or substance, nor any
inflammable or combustible objects or materials.

           13. Except in those areas designated by Tenant as "security areas",
additional locks or bolts of any kind which shall be operable by the Grand
Master Key for the Building shall not be placed upon any of the doors or windows
by any tenant, nor shall any changes be made in locks or the mechanism thereof
which shall make such locks inoperable by said Grand Master Key. Each tenant
shall, upon the termination of its tenancy, turn over to the Landlord all keys
of stores, offices and toilet rooms, either furnished to, or otherwise procured
by, such tenant and in the event of the loss of any keys furnished by Landlord,
such tenant shall pay to Landlord the cost thereof.

           14. All removals, or the carrying in or out of any safe, freight,
furniture, packages, boxes, crates or any other object or matter of any
description must take place during such hours and in such elevators as Landlord
or its Agent may determine from time to time. Landlord reserves the right to
inspect all objects and matter to be brought into the Building and to exclude
from the Building all objects and matter which violate any of these Rules and
Regulations or the lease of which these Rules and Regulations are a part.
Landlord may require any person leaving the Building with any package or other
object or matter to submit a pass, listing such package or object or matter,
from the tenant from whose premises the package or object or matter is being
removed, but the establishment and enforcement of such requirement shall not
impose any responsibility on Landlord for the protection of any tenant against
the removal of property from the Premises of such tenant. Landlord shall, in no
way, be liable to Tenant for damages or loss arising from the admission,
exclusion or ejection of any person to or from the Premises or the Building
under the provisions of this Rule 14 or of Rule 16 hereof.

           15. Tenant shall not occupy or permit any portion of the Premises to
be occupied as an office for a public stenographer or public typist, or for the
possession, storage, manufacture, or sale of beer, wine or liquor, narcotics,
dope, tobacco in any form, or as a barber, beauty or manicure shop, or as an
employment bureau. Tenant shall not engage or pay any employees of the Premises,
except those actually working for Tenant on the Premises, nor advertise for
laborers giving an address at the Premises. Tenant shall not use the Premises or
any part thereof, or permit the Premises or any part thereof to be used, for
manufacturing, or for the sale at auction of merchandise, goods or property of
any kind.

           16. Tenant shall not obtain, purchase or accept for use in the
Premises ice, drinking water, food or beverage (it being understood that Tenant
and its employees shall have the right to have ice, drinking water, food and
beverage delivered to the Premises by outside services for their consumption),
towel, barbering, boot blacking, cleaning, floor polishing or other similar
services from any persons not authorized by Landlord in wiring to furnish such
services, provided always that the charges for such services by persons
authorized by Landlord are not excessive. Such services shall be furnished only
at such hours, in such places within the Premises, and under such regulations as
may be fixed by Landlord. Tenant shall not purchase or contract for waxing, rug
shampooing, venetian blind washing, furniture polishing, lamp servicing,
cleaning of electric fixtures, removal of garbage or towel services in the
Premises except from contractors, companies or persons approved by the Landlord.

                                      B-2
<PAGE>

           17. Landlord shall have the right to prohibit any advertising or
display of any identifying sign by any tenant which in Landlord's judgment tends
to impair the reputation of the Building or its desirability as a Building for
offices, and upon written notice from Landlord, such tenant shall refrain from
or discontinue such advertising, or identifying sign.

           18. Landlord reserves the right to exclude from the Building during
hours other than business hours (as defined in the foregoing lease) all persons
who do not present a pass to the Building signed by Landlord. All persons
entering and/or leaving the Building during hours other than business hours may
be required to sign a register. Landlord will furnish passes to persons for whom
tenant requests same in writing. Tenant shall be responsible for all persons for
whom Tenant requests such pass and shall be liable to Landlord for all acts or
omissions of such persons.

           19. Tenant, before closing and leaving the Premises at any time,
shall see that all lights are turned out. All entrance doors in the Premises
shall be left locked by Tenant when the Premises are not in use. Entrance doors
shall not be left open at any time.

           20. Unless Landlord shall furnish electrical energy hereunder as a
service included in the rent, Tenant shall, at Tenant's expenses, provide
artificial light and electrical energy for the employees of Landlord and/or
Landlord's contractors while doing janitor services or other cleaning in the
Premises and while making repairs or alterations in the Premises.

           21. The Premises shall not be used for lodging or sleeping or for any
immoral or illegal purposes.

           22. The requirements of tenants will be attended to only upon
application at the office of the Building. Employees of Landlord shall not
perform any work or do anything outside of their regular duties, unless under
special instructions from Landlord.

           23. Canvassing, soliciting and peddling in the Building are
prohibited and each tenant shall cooperate to prevent the same.

           24. There shall not be used in any space, or in the public halls of
the Building, either by any tenant or by jobbers or any others, in the moving or
delivery or receipt of safe, freight, furniture, packages, boxes, crates, paper,
office material, or any other matter or thing, any hand trucks except those
equipped with rubber tires, side guards and such other safeguards as Landlord
shall require. No hand trucks shall be used in passenger elevators, and no such
passenger elevators shall be used for the moving, delivery or receipt of the
aforementioned articles.

           25. Tenant shall not cause or permit any odors of cooking or other
processes or any unusual or objectionable odors to emanate or be dispelled from
the Premises which would annoy other tenants or create a public or private
nuisance. No cooking shall be done in the Premises except as is expressly
permitted in the foregoing lease.

           26. Tenant shall cooperate with Landlord in obtaining maximum
effectiveness of the cooling system by lowering and closing venetian blinds
and/or drapes and curtains when the sun's rays fall directly on the windows of
the Premises.

           27. Tenant shall not place a load upon any floor of the Premises
which exceeds the load per square foot which such floor is designed to carry and
which is then allowed by law. Landlord reserves the right to direct the
positioning of all heavy equipment, furniture and fixtures which Tenant desires
to place in the Premises so as to distribute properly the weight thereof and to
require the removal of any equipment or furniture which exceeds the weight
limit. Placement of a safe within the premises is prohibited without obtaining
written consent from Landlord and Landlord's structural Engineer. Cost for
engineering study to be paid by Tenant.

           28. Landlord reserves the right to rescind, alter or waive any rule
or regulation at any time prescribed for the Building when, in its judgment, it
deems it necessary or desirable for the reputation, safety, care or appearance
of the Building, or the preservation of good order therein, or the operation or
maintenance of the Building or the equipment thereof, or the comfort of tenants
or others in the Building. No rescission, alteration or waiver of any rule or
regulation in favor of one tenant shall operate as a rescission, alteration or
waiver in favor of any other tenant.

                                      B-3
<PAGE>

                                    EXHIBIT C

                          LEASE COMMENCEMENT AGREEMENT
                          ----------------------------

                  This Lease Commencement Agreement ("Agreement") is made this
_____ day of ____________, 200_, by and between _____________________
("Landlord"), and _________________ ("Tenant").

                  WHEREAS, Landlord and Tenant have entered into a Lease dated
______________, 200_, ("Lease") with respect to certain space on the ____ floor
of the _____________________________________________________, referred to in the
Lease and in this Agreement as the "demised premises");

                  WHEREAS, the Commencement Date of the Lease and other factors
with respect to the said demised premises are dependent upon the occurrence of
certain events and the establishment of certain facts.

                  NOW, THEREFORE, in consideration of the foregoing premises,
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, Landlord and Tenant warrant and represent each to
the other as follows:

                  1.  The demised premises were delivered to Tenant on
                      ______________.

                  2.  The Commencement Date is _________, 20__.

                  3.  The Rent Commencement Date is _______________, 20___.

                  4.  The Expiration Date is ______________, 20 ___.

                  5.  The initial Minimum Rent is $_________________.

                  6.  [IF LANDLORD PERFORMS WORK] [Tenant's] Work [Landlord's
                      Work] is completed and Landlord has no further obligations
                      with respect to work to be performed at the Premises.

           Except as amended herein, all of the other terms, covenants and
conditions of the Lease are and shall remain in full force and effect and are
hereby ratified and confirmed.

           This Agreement shall be binding upon and shall inure to the benefit
of the parties hereto and their respective successors and permitted assigns.

           IN WITNESS WHEREOF, Landlord and Tenant do hereby execute this
Agreement under seal on the day and year first above written.

                                          G.S. 505 PARK, LLC
                                          By:        GLORIOUS SUN 505 PARK INC.

                                          By: ______________________________
                                                     Name:
                                                     Title:

                                          [TENANT]

                                          By: _______________________________
                                                     Name:
                                                     Title:

                                      C-1
<PAGE>September 21, 2000

Ryan, Beck & Co.
200 Park Avenue
New York, New York 10166

           Reference is made to that certain Warrant Agreement (the "Warrant
Agreement") dated as of April 26, 1999 by and between TechSys, Inc. (formerly
Continental Choice Care, Inc.) (the "Company") and Ryan, Beck & Co. (the
"Holder"). Capitalized terms used but not defined herein have the meaning
ascribed to them in the Warrant Agreement.

           Pursuant to Section 7.2 of the Warrant Agreement, the Holder has
certain rights with respect to the demand registration of the Company's
securities pursuant to the Securities Act of 1933, as amended. Prior to the date
hereof, the Holder made a demand for registration for resale of shares issuable
upon exercise of the Warrants issued pursuant to the Warrant Agreement. This
letter confirms the Holder's withdrawal of such demand in exchange for certain
consideration.

           The Company and the Holder hereby agree and covenant as follows:

           1. The Holder hereby irrevocably withdraws its demand for
registration made prior hereto and, in connection therewith, irrevocably waives
all rights, claims or causes of action pursuant to Section 7, and all
subsections thereto, of the Warrant Agreement, whether presently known or
unknown.

           2. The Company, at its sole expense, intends to register for resale
all shares of Common Stock which may be acquired pursuant to the Warrant
Agreement in a Registration Statement on Form S-3, which the Company currently
anticipates filing within 30 days following the date of this letter. If such
Registration Statement becomes effective within 120 days following the date
hereof, the Holder's right to demand "piggy-back" registration pursuant to
Section 7.2(a) of the Warrant Agreement shall be terminated. Until such time as
the Registration Statement becomes effective the Holder's right to demand
"piggy-back" registration is hereby suspended. If such Registration Statement
does not become effective within 120 days following the date hereof or if it
becomes effective and thereafter during the term of the Warrant Agreement
becomes not effective the Holder's right to demand "piggy-back" registration
will be reinstated and will continue in accordance with the terms of the Warrant
Agreement.

           3. The Company further agrees to issue to you within business 10 days
additional Warrants to purchase up to 25,000 shares of Common Stock, such
Warrants to be governed in accordance with the terms of the Warrant Agreement.

<PAGE>

           Please indicate your acceptance of and agreement to the foregoing by
signing the enclosed duplicate copy of this letter where indicated and returning
an executed copy to us.

                                         TECHSYS, INC.

                                         By:        _________________________
                                                    Steven L. Trenk, President

AGREED AND ACCEPTED:

RYAN, BECK & CO.

By:        _____________________________
           Name:
           Title:

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