Document:

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                    TNPC EXECUTIVE DEFERRED COMPENSATION PLAN

         This Executive Deferred Compensation Plan (the "Plan") is hereby
established by TNPC, Inc., a Delaware corporation (the "Company") and adopted
by its Board of Directors as of the effective date set forth on the signature
page hereto (the "Effective Date").

                                    ARTICLE 1
                              STATEMENT OF PURPOSE

         1.1 PURPOSES. The purpose of the TNPC Executive Deferred
Compensation Plan is to aid the Company in attracting and retaining key
employees by providing a non-qualified compensation deferral vehicle.

                                    ARTICLE 2
                                   DEFINITIONS

         For purposes of this Plan and in addition to those terms defined in
the preamble to this document, the following terms shall have the meanings
indicated:

         2.1 AFFILIATED COMPANY. "Affiliated Company" means any "parent
corporation" or "subsidiary corporation" of the Company, whether now existing
or hereafter created or acquired, as those terms are defined in sections
424(e) and 424(f) of the Internal Revenue Code of 1986, as amended,
respectively and any other entity designated by the Board as being an
Affiliated Company for purposes of the Plan. For all purposes of the Plan,
employment with an Affiliated Company or termination of employment with an
Affiliated Company shall be treated the same as employment with the Company
or termination of employment with the Company and, where appropriate to carry
out the intent of the foregoing, references to the "Company" in the Plan
shall be deemed references to "Affiliated Company." Transfer to employment
with an Affiliated Company from employment with the Company and transfer from
employment with an Affiliated Company to employment with the Company shall
not be deemed to be a termination of employment for purposes of the Plan.

         2.2 AGGREGATE INVESTMENT RETURN. "Aggregate Investment Return" means
with respect to Elective Deferred Compensation or any Non-Elective Deferred
Compensation and as of any date, the aggregate amount of gain (loss) then
credited (debited) to a Participant's Deferred Compensation Account with
respect to such Elective Deferred Compensation or Non-Elective Deferred
Compensation.

         2.3 BENEFICIARY. "Beneficiary" means the person or persons
designated as such in accordance with Article 8.

         2.4 BOARD. "Board" means the Board of Directors of the Company.

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         2.5 CALENDAR QUARTER. "Calendar Quarter" means any of the four
calendar quarters in a full calendar year (e.g., January, February and March
comprise the first Calendar Quarter).

         2.6 CHANGE OF CONTROL. "Change of Control" means Change of Control
as defined in the Stock Plan.

         2.7 COMMITTEE. "Committee" means the Compensation Committee of the
Board, which shall administer the Plan as set forth in Article 10 hereof and
pursuant to the Compensation Committee Charter.

         2.8 COMPENSATION. "Compensation" means the Participant's base salary
and annual incentive bonus.

         2.9 COMPENSATION COMMITTEE CHARTER. "Compensation Committee Charter"
means the guidelines established by the Board at its meeting on September 6,
2000 to govern the operations of the Compensation Committee of the Board, as
such guidelines may be amended from time to time by the Board.

         2.10 DEATH OR DISABILITY. "Death or Disability" means a
Participant's death or his or her disability as defined in the Stock Plan
with respect to Termination of Employment by Reason of Death or Disability.

         2.11 DECLINING BALANCE INSTALLMENTS. "Declining Balance
Installments" means a series of annual payments such that each payment is
determined by taking that portion of a Deferred Compensation Account and
dividing by the number of years of distributions remaining.

         2.12 DEFERRED COMPENSATION ACCOUNT. "Deferred Compensation Account"
means an account maintained on the books of account of the Company for a
Participant pursuant to Article 4.

         2.13 DISTRIBUTION DATE. "Distribution Date" means the date on which
the Company makes or begins to make distributions from a Deferred
Compensation Account.

         2.14 ELECTION FORM. "Election Form" means the form or forms
prescribed by the Committee, which must be completed and filed with the
Committee by an Eligible Employee in order to participate in the Plan for a
calendar year. A separate Election Form shall be completed for each calendar
year. The terms and conditions of Election Forms may vary from
Participant-to-Participant and from year-to-year, as determined by the
Committee.

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         2.15 ELECTIVE DEFERRED COMPENSATION. "Elective Deferred
Compensation" means an amount of Compensation elected to be deferred by an
Eligible Employee on his or her Election Form.

         2.16 ELIGIBLE EMPLOYEE. "Eligible Employee" means the Chief
Executive Officer of the Company and any key management or highly compensated
employee of the Company or an Affiliated Company designated by the Committee
as eligible to participate in the Plan.

         2.17 ESTATE ENHANCEMENT PLAN. "Estate Enhancement Plan" means the
TNPC Estate Enhancement Plan, if and when such plan is approved by the Board
and so identified in such approval.

         2.18 FROZEN ACCOUNT. "Frozen Account" means all or any portion of a
Deferred Compensation Account that is subject to the provisions of Article 9
of the Plan.

         2.19 INVESTMENT ALLOCATION FORM. "Investment Allocation Form" means
the form prescribed by the Committee, which must be completed and filed with
the Committee by a Participant in order to direct the deemed allocation of a
Deferred Compensation Account among the Investment Funds.

         2.20 INVESTMENT FUNDS. "Investment Funds" means those mutual funds,
investment indexes or other measures of performance identified by the
Committee, which shall be used to determine the returns on the Participants'
Deferred Compensation Accounts.

         2.21 LIQUIDATING DISTRIBUTION. "Liquidating Distribution" means a
distribution of a Participant's Deferred Compensation Account in accordance
with the terms of Section 7.8.

         2.22 LIQUIDATING DISTRIBUTION ACCOUNT BALANCE. "Liquidating
Distribution Account Balance" means, as of any date and as to a Deferred
Compensation Account, the then-current value of such Deferred Compensation
Account decreased by a forfeiture penalty equal to ten percent (10%) of such
value.

         2.23 NON-ELECTIVE DEFERRED COMPENSATION. "Non-Elective Deferred
Compensation" means an amount awarded to a Participant by the Company
pursuant to Section 3.2.

         2.24 PARTICIPANT. "Participant" means an Eligible Employee
participating in the Plan in accordance with the provisions of Article 3 and,
where permitted under the Plan, includes such person's successors, heirs,
legal representatives, beneficiaries and assigns.

         2.25 RELATED EMPLOYMENT. "Related Employment" means the employment
of a Participant by an employer that is not the Company provided (i) such
employment is undertaken by

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the Participant at the written request of the Company; (ii) immediately prior
to undertaking such employment, the Participant was an employee of the
Company or was engaged in Related Employment as herein defined; and (iii)
such employment is recognized by the Committee, in its sole discretion, in
writing before the commencement of such employment as Related Employment.

         2.26 STOCK PLAN. "Stock Plan" means the TNPC 2000 Stock Plan as
approved by the Board.

         2.27 TERMINATION OF EMPLOYMENT. "Termination of Employment" means
the end of a Participant's employment with the Company for any reason other
than Related Employment, or the termination of a Participant's Related
Employment if the Participant is not then employed by the Company.

         2.28 TERMINATION OF EMPLOYMENT BY REASON OF DEATH OR DISABILITY.
"Termination of Employment by Reason of Death or Disability" means
Termination of Employment by Reason of Death or Disability as defined in the
Stock Plan.

         2.29 TERMINATION OF EMPLOYMENT FOR CAUSE. "Termination of Employment
for Cause" means Termination of Employment for Cause as defined in the Stock
Plan.

         2.30 VALUATION DATE. "Valuation Date" means the last day of each
Calendar Quarter or, for the purpose of determining the amount of a
Liquidating Distribution, the last day of the month immediately preceding the
month in which a Participant submits the request for the Liquidating
Distribution.

         2.31 VOLUNTARY TERMINATION OF EMPLOYMENT. "Voluntary Termination of
Employment" means Voluntary Termination of Employment as defined in the Stock
Plan.

                                    ARTICLE 3
                          ELIGIBILITY AND PARTICIPATION

         3.1 ELECTIVE PARTICIPATION. Any Eligible Employee may elect to
participate in the Plan for a given calendar year by filing a completed
Election Form with the Committee. The Election Form must be filed with the
Committee prior to the commencement of the calendar year to which the
Election Form pertains. Notwithstanding the foregoing, the Committee may in
its sole discretion allow an Election Form for a calendar year to be filed
after the commencement of the calendar year with respect to Compensation to
be earned after the Election Form is filed. On the Election Form completed
and filed by an Eligible Employee for a calendar year, such Eligible Employee
shall designate the following information:

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                  (a) The amount of Compensation (expressed either as a
         percentage of all Compensation or a specified dollar amount or such
         other election as may be acceptable to the Committee) which the
         Participant elects to defer for the Calendar Year;

                  (b) The time or times at which the deferred Compensation for
         the Calendar Year is to be paid to the Eligible Employee; and

                  (c) The form of payment of such deferred Compensation, which
         form shall be limited to payments in cash in either a single lump sum
         distribution or in annual installment payments over a period not to
         exceed 15 years.

A Participant's election to defer Compensation for a calendar year is
irrevocable upon the filing of his or her Election Form with the Committee.

         3.2 NON-ELECTIVE PARTICIPATION. The Company can, in its sole
discretion, award to an Eligible Employee Non-Elective Deferred Compensation.
The terms and conditions of such Non-Elective Deferred Compensation shall be
described in the instrument evidencing the award of such Non-Elective
Deferred Compensation. Amounts reflecting a Non-Elective Deferred
Compensation Award to a Participant shall be credited to a Deferred
Compensation Account which shall be subject to the terms and conditions of
the Plan in the same manner as any other Deferred Compensation Account,
except as otherwise provided herein.

                                    ARTICLE 4
                         DEFERRED COMPENSATION ACCOUNTS

         4.1 DEFERRED COMPENSATION ACCOUNT. A separate Deferred Compensation
Account shall be established and maintained for each Participant for each
calendar year for Elective Deferred Compensation and for each separate award
of Non-Elective Deferred Compensation. Elective Deferred Compensation will be
credited on the first day of the month following the time at which the amount
would otherwise have been paid to a Participant in cash, except as otherwise
determined by the Committee. Any Non-Elective Deferred Compensation awarded
to a Participant shall be credited on such date as is specified by the
Company.

         4.2 NATURE OF ACCOUNT ENTRIES. The establishment and maintenance of
Participants' Deferred Compensation Accounts shall be merely bookkeeping
entries and shall not be construed as giving any person any interest in any
specific assets of the Company or of any subsidiary of the Company or any
trust created by the Company, including any mutual funds or other investment
funds owned by the Company or any such subsidiary or trust. The deemed
investment of the Participants' Deferred Compensation Accounts in the
Investment Funds shall be for bookkeeping purposes only, and shall not
require the establishment of actual corresponding funds by the

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Committee or the Company. Benefits accrued under this Plan shall constitute
an unsecured general obligation of the Company.

         4.3 PLAN BENEFIT AMOUNT. At any given point in time, the Plan
benefit owed to a Participant will be equal to the then-existing value of his
or her Deferred Compensation Accounts consisting of and with respect to each
such account the amount of Elective Deferred Compensation or Non-Elective
Deferred Compensation originally credited to such account increased or
decreased, as applicable, by:

                  (a) The then-Aggregate Investment Return attributable to such
         Elective Deferred Compensation or Non-Elective Deferred Compensation;

                  (b) Any forfeiture of Non-Elective Deferred Compensation
         required pursuant to Section 6.2;

                  (c) Any forfeiture of all or a part of Aggregate Investment
         Return pursuant to Section 6.3; and

                  (d) Any amount previously distributed to the Participant (or
         his or her beneficiary) from such account pursuant to Article 7 (which,
         in the case of a Liquidating Distribution, shall be deemed to include
         the 10% forfeiture penalty).

All forfeitures under the Plan shall inure to the benefit of the Company.

                                    ARTICLE 5
                           INVESTMENT RETURN CREDITING

         5.1 INVESTMENT ALLOCATION OF DEFERRED COMPENSATION ACCOUNT. A
Participant's Deferred Compensation Accounts shall be deemed to be invested
in the Investment Funds in accordance with the Participant's election or
elections on his or her Investment Allocation Forms. A Participant may make a
single investment allocation with respect to all of his or her Deferred
Compensation Accounts in the aggregate or may make such separate investment
allocations as among such accounts as he or she may elect.

         5.2 INVESTMENT RETURN CREDITED. The Participant's Deferred
Compensation Accounts shall be credited quarterly on the first day of the
month following the end of the quarter, or at some other time as the
Committee may determine, with an investment return based on the investment
return (gain or loss) of the Investment Fund(s) in which the Deferred
Compensation Accounts are deemed to be invested.

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         5.3 TIMING OF CREDITING OF INVESTMENT RETURN. With respect to any
Elective Deferred Compensation or Non-Elective Deferred Compensation deferred
and credited to a Participant's Deferred Compensation Accounts since the
immediately preceding Valuation Date, investment return (or loss) credited on
the Valuation Date shall be credited from the time the amount is credited
pursuant to Section 4.1.

         5.4 CHANGE OF INVESTMENT ALLOCATION BY A PARTICIPANT. A Participant
may change his or her investment allocations in accordance with policies and
procedures (including the frequency of changes that can be made) established
by the Committee. Any change will be effective as of the first business day
of a Calendar Quarter if the Participant submits a revised Investment
Allocation Form to the Committee at least ten (10) business days before the
end of the prior Calendar Quarter.

         5.5 CHANGE OF INVESTMENT FUNDS BY COMMITTEE. The Committee in its
sole discretion may change the Investment Funds from time to time. The
Committee's decision to change the Investment Funds shall not in any manner
alter the returns on the Participants' Deferred Compensation Accounts prior
to the effective date of the change.

         5.6 CONTINUED APPLICATION. The provisions of this Article 5 shall
continue to apply to a Deferred Compensation Account for as long as there is
any amount of either Elective Deferred Compensation or Non-Elective Deferred
Compensation credited to such account, as computed pursuant to Section 4.3.

                                    ARTICLE 6
                        VESTING OF DEFERRED COMPENSATION
                           AND FORFEITURE ADJUSTMENTS

         6.1 VESTING OF DEFERRED COMPENSATION. A Participant's interest in
any Elective Deferred Compensation shall vest immediately and in full upon
the crediting of such Elective Deferred Compensation in the Participant's
Deferred Compensation Account. A Participant's interest in any Non-Elective
Deferred Compensation shall vest in accordance with the terms and conditions
pertaining to vesting as are described in the instrument evidencing the award
of such Non-Elective Deferred Compensation. In the event of a Termination of
Employment Without Cause as defined in the Stock Plan or a Termination of
Employment for Reason of Death or Disability, any unvested amounts of a
Participant's Non-Elective Deferred Compensation shall immediately become
vested.

         6.2 FORFEITURE OF NON-ELECTIVE DEFERRED COMPENSATION. If a
Participant's Termination of Employment is either a Termination of Employment
for Cause or a Voluntary Termination of Employment, any unvested portion of
his or her Non-Elective Deferred Compensation shall be forfeited as of the
date of such termination. The provisions of this Section 6.2, however, shall
not be applicable to effect a forfeiture with respect to any Termination of
Employment that occurs

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during the 24-month period immediately following the consummation of a
transaction constituting a Change of Control, in which case any unvested
amount shall become vested.

         6.3 FORFEITURE OF INVESTMENT RETURN. If a Participant's Termination
of Employment is a Termination of Employment for Cause, the Aggregate
Investment Return then credited to his or her Deferred Compensation Accounts
(to the extent a positive amount) shall be immediately forfeited as of the
date of such termination and the only amount such Participant shall
thereafter be entitled to receive from his or her Deferred Compensation
Accounts will be the dollar amount of Elective Deferred Compensation or
Non-Elective Deferred Compensation originally credited to such accounts,
reduced by any forfeiture effected pursuant to Section 6.2, if applicable. In
the event of a Participant's Voluntary Termination of Employment, that
portion of the Aggregate Investment Return attributable to non-vested amounts
subject to forfeiture under Section 6.2 shall be eliminated from the
Participant's Aggregate Investment Return and the Participant shall forfeit
such eliminated portion. The provisions of this Section 6.3, however, shall
not be applicable to effect any forfeiture or reduction of any Aggregate
Investment Return with respect to any Termination of Employment occurring
during the 24-month period immediately following the consummation of a
transaction constituting a Change of Control.

                                    ARTICLE 7
                      TIME AND FORM OF PAYMENT OF BENEFITS

         7.1 PAYMENTS UPON TERMINATION OF EMPLOYMENT OTHER THAN TERMINATION
OF EMPLOYMENT BY REASON OF DEATH OR DISABILITY. Upon Termination of
Employment other than Termination of Employment by Reason of Death or
Disability, a Participant's Deferred Compensation Accounts shall be paid as
follows:

                  (a) In the case of Elective Deferred Compensation, a
         Participant's Deferred Compensation Account balances, as determined
         pursuant to Section 4.3, shall be paid to the Participant in accordance
         with the terms of the Election Form applicable to each such Deferred
         Compensation Account. If a Participant elects to receive payment of a
         Deferred Compensation Account in installments, subject to a maximum of
         fifteen (15) annual installments, payments shall be made in Declining
         Balance Installments.

                  (b) In the case of Non-Elective Deferred Compensation, a
         Participant's Deferred Compensation Account balances, as determined
         pursuant to Section 4.3, shall be paid to the Participant in accordance
         with the terms and conditions of the instrument evidencing an award of
         such Non-Elective Deferred Compensation.

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                  (c) In the event of a Termination of Employment for Cause or a
         Voluntary Termination of Employment, notwithstanding any contrary
         elections in any Election Forms, payment of Deferred Compensation
         Accounts shall be made on a lump sum basis following such Termination
         of Employment.

                  (d) Notwithstanding the provisions of subsection 7.1(a), and
         notwithstanding any contrary election made by the Participant on his or
         her Election Form, if a Participant has a Termination of Employment and
         if the Participant had not completed at least 5 years of continuous
         service with the Company or Related Employment at the time of his or
         her Termination of Employment, the Participant's Deferred Compensation
         Account balances, as determined pursuant to Section 4.3, shall be paid
         to the Participant in a lump sum in the year following the
         Participant's Termination of Employment. If a Change of Control occurs,
         this subsection 7.1(d) shall not be applicable to Deferred Compensation
         Accounts established prior to such Change of Control.

         7.2 PAYMENTS UPON THE DEATH OR DISABILITY OF A PARTICIPANT. Upon the
Death or Disability of a Participant (whether before or after his or her
Termination of Employment), his or her Deferred Compensation Account balances
shall be paid:

                  (a) In the event of a Participant's Death or Disability prior
         to receiving any payments with respect to a Deferred Compensation
         Account for a calendar year, the Participant shall receive his or her
         Deferred Compensation Account for such calendar year, paid as if the
         Participant had a Termination of Employment governed by Section 7.1 as
         of the date of his or her Death or Disability. However, the Committee
         may, in its sole discretion, pay the Participant's remaining account
         balances, if any, in a single lump sum even if it would be otherwise
         paid over a period of time. If the Participant's designated Beneficiary
         survives the Participant but dies before receiving a complete
         distribution of the Participant's account, the remaining account
         balance shall be paid to the estate of such Beneficiary in a lump sum.

                  (b) In the event of a Participant's Death or Disability after
         he or she begins to receive payments with respect to a Deferred
         Compensation Account for a calendar year, the Participant shall receive
         his or her remaining Deferred Compensation Account balance, paid in
         accordance with the Participant's election as it was being paid prior
         to his or her Death or Disability. However, the Committee may, in its
         sole discretion, pay the Participant's remaining account balance in a
         single sum. If the Participant's designated Beneficiary survives the
         Participant but dies before receiving a complete distribution of the
         Participant's account, the remaining account balance shall be paid to
         the estate of such Beneficiary in a lump sum.

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         7.3 HARDSHIP BENEFIT. In the event that the Committee, upon written
petition of the Participant, determines in its sole discretion, that the
Participant has suffered an unanticipated emergency beyond the control of the
Participant that could cause a severe financial hardship, the Company may pay
to the Participant, as soon as is practicable following such determination,
an amount necessary to meet the emergency, not in excess of the then current
value of the vested and nonforfeitable portions of the Deferred Compensation
Accounts credited to the Participant. The Deferred Compensation Accounts of
the Participant thereafter shall be reduced to reflect the payment of a
hardship benefit. Notwithstanding the foregoing, if the terms and provisions
of the instrument evidencing an award of Non-Elective Deferred Compensation
restrict its distribution prior to the occurrence of any condition or event,
no amount may be distributed from such Deferred Compensation Account under
the provisions of this Section 7.3. In the event a Participant is eligible
for a hardship distribution pursuant to this Section 7.3 and such Participant
has amounts credited in more than one Deferred Compensation Account, the
hardship distribution amount shall be debited from his or her Deferred
Compensation Accounts as directed by such Participant or, in the absence of
any such direction, as the Committee may determine in its sole discretion.

         7.4 TAXES; WITHHOLDING. To the extent required by law, the Company
shall withhold from payments made hereunder an amount equal to at least the
minimum taxes or other withholding required to be withheld by the federal, or
any state or local government.

         7.5 DATE OF PAYMENTS. Except as otherwise provided in this Plan or
pursuant to the terms of an instrument evidencing an award of Non-Elective
Deferred Compensation, payments under this Plan shall be made (or begin in
the case of installments) on or before the fifteenth (15th) day of February
of the calendar year following receipt of notice by the Committee of an event
that entitles a Participant (or Beneficiary) to payments under the Plan, or
at such other date as may be determined by the Committee. Amounts that become
payable pursuant to Sections 7.2 or 7.3 shall be paid within fifteen (15)
days following the end of the Calendar Quarter in which a determination is
made that an amount is payable, or at such other date as the Committee may
determine.

         7.6 COMPANY PAYMENT DEFERRAL RIGHTS. In the event that any amount
payable from a Participant's Deferred Compensation Account, including a
Liquidating Distribution pursuant to Section 7.7 or a lump sum payment
pursuant to Sections 7.1 or 7.2, would be non-deductible by the Company
pursuant to application of the compensation deduction limitations of Section
162(m) of the Internal Revenue Code of 1986, as amended, the Committee shall
have the absolute right, in its sole discretion, to defer payment of such
amount until such time as its payment would no longer present a loss of a
deduction for such payment. In the event of any such deferral, the deferred
payment amount shall continue to be credited to and a part of the
Participant's Deferred Compensation Account for all purposes of the Plan and
shall be paid to such Participant as soon as practicable and no later than 30
days following the date that such payment would not be a non-deductible
payment as a result of application of such compensation deduction limitation.

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         7.7 LIQUIDATING DISTRIBUTION. Notwithstanding any provision of the
Plan, except as limited by Section 7.6 or Article 9, following the receipt of
a written request from a Participant for a Liquidating Distribution from a
Deferred Compensation Account, the Company shall pay to the Participant the
Participant's Liquidating Distribution Account Balance for such Deferred
Compensation Account in a lump sum. The request for a Liquidating
Distribution shall be in writing and directed to the Committee. The
provisions of this Section 7.7 shall not be applicable with respect to any
Deferred Compensation Account which is attributable to an award of
Non-Elective Deferred Compensation unless the instrument evidencing such
award specifically provides that the provisions of this Section 7.8 shall be
applicable to such account and specifies the time at which it first becomes
applicable.

         7.8 ALLOCATION OF DISTRIBUTIONS. If a distribution of a portion of a
Deferred Compensation Account is made to a Participant or Beneficiary, and
such account is invested in more than one Investment Fund, then a portion of
such distribution shall be deemed to have been made from each Investment Fund
on a pro rata basis, based on the values of the Investment Funds as of the
Valuation Date immediately preceding the distribution.

                                    ARTICLE 8
                             BENEFICIARY DESIGNATION

         8.1 BENEFICIARY DESIGNATION. At any time prior to complete
distribution of the benefits due to a Participant under the Plan, he or she
shall have the right to designate, change, and/or cancel, any person(s) or
entity as his or her Beneficiary (either primary or contingent) to whom
payment under this Plan shall be made in the event of his or her death. Each
Beneficiary designation shall become effective only when filed in writing
with the Committee. The filing of a new beneficiary designation form will
cancel all previously filed beneficiary designations.

         8.2 NO BENEFICIARY. If a Participant fails to designate a
Beneficiary as provided above, or if his or her beneficiary designation is
revoked by divorce or otherwise without execution of a new designation, or if
all designated Beneficiaries predecease the Participant, then the
distribution of such benefits shall be made to the Participant's estate. If
the Participant's designated Beneficiary survives the Participant but dies
before receiving a complete distribution of the Participant's account, the
remaining account balance shall be paid to the estate of such Beneficiary.

                                    ARTICLE 9
                                 FROZEN ACCOUNT

         9.1 FROZEN ACCOUNT. The provisions of this Article 9 shall only be
applicable with respect to any Deferred Compensation Account which is
attributable to compensation as to which a participant has an absolute and
unfettered right, except for time of payment and only upon

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adoption of an Estate Enhancement Plan. A Participant shall have all or any
portion of a Deferred Compensation Account held in a Frozen Account in
connection with such Participant's election to participate under the Estate
Enhancement Plan, as adopted by the Board. Notwithstanding any other
provisions of the Plan to the contrary, a Frozen Account will be held and
distributed in accordance with the terms of this Section.

                  (a) The value of an amount in the Frozen Account will be
         determined as of the end of the business day immediately preceding the
         business day on which the Company pays a policy premium related to such
         amount under the Estate Enhancement Plan, and no investment earnings or
         losses shall be credited to the amount in the Frozen Account thereafter
         as long as such amount is in the Frozen Account.

                  (b) The provisions of Section 7.3 and Section 7.7 shall not
         apply to any amount in a Frozen Account.

                  (c) If the Participant's participation in the Estate
         Enhancement Plan terminates as a result of the Participant's death (or
         the death of the survivor of the Participant and the Participant's
         spouse, if the Participant's policy under the Estate Enhancement Plan
         is a survivorship policy insuring the lives of both), then the Frozen
         Account balance shall be paid in a single sum to the Beneficiary(ies)
         of the Participant within ten (10) business days after the Company
         receives its share of the death benefit from the Participant's Estate
         Enhancement Plan policy.

                  (d) If the Participant's participation in the Estate
         Enhancement Plan terminates for any reason other than the payment of
         the Participant's Estate Enhancement Plan policy death benefit, then,
         as of the date the Company receives repayment of the policy premiums it
         paid in connection with the Participant's Estate Enhancement Plan, the
         amount in the Participant's Frozen Account shall be removed from the
         Frozen Account and shall thereafter be held in the Participant's
         Deferred Compensation Account or distributed to the Participant or
         Beneficiary as hereinafter provided. An amount removed from the
         Participant's Frozen Account shall be distributed to the Participant
         (or, if applicable, the Beneficiary) in accordance with the
         Participant's election made pursuant to the terms of the Plan and the
         Election Form. Provided, however, that if, based on the terms of the
         Plan and the Participant's Election Form, the amount removed from the
         Frozen Account would have been distributed to the Participant (or, if
         applicable, the Beneficiary) before being removed from the Frozen
         Account if such amount were not held in the Frozen Account, then the
         amount shall be immediately paid to the Participant (or, if applicable,
         the Beneficiary) when it is removed from the Frozen Account. Any amount
         that is to be held in the Participant's Deferred Compensation Account
         after being removed from the Frozen Account shall be allocated among
         the Investment Funds in accordance with the Participant's election.

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                                   ARTICLE 10
                           ADMINISTRATION OF THE PLAN

         10.1 COMMITTEE. The Plan shall be administered by the Committee.

         10.2 POWERS OF THE COMMITTEE. In addition to any other powers or
authority conferred upon the Committee elsewhere in the Plan or by law and
subject to the limitations provided elsewhere herein, the Committee shall
have full power and authority: (a) to construe and interpret provisions of
the Plan and other documents and agreements pertaining to the Plan; (b) to
create, amend or rescind rules and regulations relating to the Plan,
including the time periods for recording, crediting, or debiting deferrals,
returns, penalties, forfeitures or distributions; (c) to correct any defect
or supply any omission or reconcile any inconsistency in the Plan or in any
related instrument; and (d) to make all other determinations necessary or
advisable for the administration of the Plan, including the creation and use
of a rabbi trust or trusts in connection with the Company's obligations under
the Plan and whether the Company shall track Participant Investment
Allocations with actual investments in the Investment Funds. The Committee
shall not have the authority to take action contrary to the express
provisions of the Plan. Any action, decision, interpretation or determination
made in good faith by the Committee in the exercise of its authority
conferred upon it under the Plan shall be final and binding on the Company
and all Participants.

         10.3 LIMITATION ON LIABILITY. No employee of the Company or member
of the Board or Committee shall be subject to any liability with respect to
duties under the Plan unless the person has acted fraudulently or in bad
faith. Notwithstanding anything to the contrary in this Plan or an Election
Form or any other instrument executed by the Company or a Participant in
connection with the Plan, in connection with any claim made by a party
against another party in connection with or relating to the Plan or the
benefit of a Participant under the Plan, the claiming party shall not be
entitled to recover any punitive, consequential, special, incidental or
indirect damages (including, without limitation, any exemplary damages,
treble damages, penalties or loss of profits or income), whether based on
statute, in tort, contract or otherwise, regardless of whether such damages
may be available under applicable law or otherwise, and whether or not
arising from a party's sole, joint or concurrent negligence, strict liability
or other fault, the right, if any, to recover such damages in connection with
any claims hereunder being hereby deemed waived by such party or parties;
provided, however, that (a) in no event shall such limitations or
restrictions prevent a party from recovering its actual damages and (b) the
foregoing limitations and restrictions shall not apply to any such damages
that are attributable to the fraud of the party against whom such claim is
made.

                                      -13-

<PAGE>

                                   ARTICLE 11
                        AMENDMENT AND TERMINATION OF PLAN

         11.1 AMENDMENT. The Board may amend the Plan at any time in whole or
in part, provided, however, that no amendment shall be effective to decrease
the then-outstanding balance of amounts in any Participant's Deferred
Compensation Account or to lengthen any vesting period with respect to any
Non-Elective Deferred Compensation credited under the Plan prior to the date
of the amendment for such Participant.

         11.2 TERMINATION OF PLAN. The Board may terminate the Plan at any
time. Upon any termination of the Plan under this section, Compensation shall
cease to be deferred prospectively, and, with respect to Compensation
deferred previously or any Non-Elective Deferred Compensation, the Company
will pay to the Participant (or the Participant's Beneficiary, if after the
Participant's death), in a lump sum as soon as practicable after the date of
such termination, the then-current value of his or her Deferred Compensation
Accounts excluding the then-current value of his or her Frozen Account (which
shall thereafter be paid in accordance with the provisions of Article 9 as if
the Plan had not been terminated).

                                   ARTICLE 12
                                  MISCELLANEOUS

         12.1 PROTECTIVE PROVISIONS. A Participant will cooperate with the
Company by furnishing any and all information requested by the Company in
order to facilitate the payment of benefits hereunder, including taking such
physical examinations as the Company reasonably may deem necessary (if
insurance is acquired by the Company in connection with the Plan) and taking
such other relevant action as may be requested by the Company. If a
Participant refuses to cooperate, the Participant's election to defer any
Compensation which has not yet been deferred shall become null and void, and
the Participant shall not be eligible to make any further deferral elections
under the Plan.

         12.2 GOVERNING LAW. This Plan shall be governed by and construed in
accordance with the substantive law of Delaware without giving effect to the
choice of law rules of Delaware.

         12.3 UNSECURED GENERAL CREDITOR. Participants and their
beneficiaries, heirs, successors and assignees shall have no legal or
equitable rights, interests, or other claims in any property or assets of the
Company. Any and all of the Company's assets and policies shall be and will
remain general, unpledged, unrestricted assets of the Company. The Company's
obligation under the Plan shall be that of an unfunded and unsecured promise
of the Company to pay money in the future.

                                      -14-

<PAGE>

         12.4 SUCCESSORS. The terms and conditions of this Plan shall inure
to the benefit of and bind the Company and the Participants and their
respective successors, assignees (including any assignee), and
representatives.

         12.5 BENEFITS NOT ALIENABLE. Other than as provided by this Plan,
benefits under the Plan may not be assigned or alienated, whether voluntarily
or involuntarily.

         12.6 NO ENLARGEMENT OF RIGHTS. This Plan is strictly a voluntary
undertaking of the Company and shall not be deemed to constitute a contract
between the Company and any Participant to be consideration for, or an
inducement to, or a condition of, the employment of any Participant, or
consideration for, or an inducement to, or a condition of the Participant's
respective services to the Company. Nothing contained in the Plan shall be
deemed to give the right to any Participant to be retained as an employee of
the Company or any Affiliated Company or to interfere with the right of the
Company or any Affiliated Company to discharge any Participant at any time.

         12.7 NOTICES. All notices required in connection with the Plan shall
be in writing and sent by first class mail with postage prepaid. Any notice
to the Company shall be addressed to the attention of its Vice President of
Human Affairs at the principal office of the Company. Any notice to
Participant shall be addressed to the Participant at the most recent address
for such person in the Company's records.

         12.8 GENDER, SINGULAR AND PLURAL. All pronouns, and any variations
thereof, shall be deemed to refer to the masculine, feminine, or neuter, as
the identity of the person(s) or entity(s) may require. As the context may
require, the singular may be read as the plural and the plural as the
singular.

         12.9 CAPTIONS. The captions to the articles, sections, and
paragraphs of this Plan are for convenience only and shall not control or
affect the meaning or construction of any of its provisions.

                                   ARTICLE 13
                                CHANGE OF CONTROL

         13.1 OBLIGATION OF SUCCESSOR. If there is a consummation of a
transaction constituting a Change of Control of the Company, the obligations
created hereunder shall be obligations of the acquiring or successor entity.

         13.2 AMENDMENT OR TERMINATION OF PLAN. In the event of a Change of
Control of the Company, then, notwithstanding any other provisions of the
Plan, the Plan shall not thereafter be amended or terminated with respect to
any Participant's Deferred Compensation Account existing at the time of the
Change of Control, except with the consent of the Participant. This provision

                                      -15-

<PAGE>

shall not preclude the amendment or termination of the Plan with respect to
amounts deferred after the Change of Control.

                                   ARTICLE 14
                                CLAIMS PROCEDURE

         14.1 CLAIMS DETERMINATIONS. Any controversy or claim arising out of
or relating to this Plan shall be filed with the Committee or its designee
which shall make all determinations concerning such claim. Any decision by
the Committee denying such claim shall be in writing and shall be delivered
to all parties in interest. Such decision shall set forth the reasons for
denial in plain language. Pertinent provisions of the Plan shall be cited
and, where appropriate, an explanation as to how the claimant can perfect the
claim will be provided. This notice of denial of benefits will be provided
within ninety (90) days of the Committee's receipt of the claim for benefits.
If the Committee fails to notify the claimant of its decision regarding the
claim, the claim shall be considered denied, and the claimant then shall be
permitted to proceed with an appeal as provided for in this Section.

         14.2 CLAIMS APPEALS. A claimant who has been completely or partially
denied a benefit shall be entitled to appeal this denial of his or her claim
by filing a written statement of his or her position with the Committee no
later than sixty (60) days after (i) receipt of the written notification of
such denial or (ii) the lapse of the ninety (90) day period where the claim
is deemed denied if the Committee fails to respond in writing. The Committee
shall schedule an opportunity for a full and fair review of the issue within
thirty (30) days of receipt of the appeal. The decision on review shall set
forth specific reasons for the decision, and shall cite specific references
to the pertinent Plan provisions on which the decision is based. Following
the review of any additional information submitted by the claimant, either
through the hearing process or otherwise, the Committee shall render a
decision on the review of the denied claim. The Committee shall make its
decision regarding the merits of the denied claim within sixty (60) days
following receipt of the request for review (or within 120 days after such
receipt, in a case where there are special circumstances requiring extension
of time for reviewing the appealed claim). The Committee shall deliver the
decision to the claimant in writing. If an extension of time for reviewing
the appealed claim is required because of special circumstances, written
notice of the extension shall be furnished to the claimant prior to the
commencement of the extension. If the decision on review is not furnished
within the prescribed time, the claim shall be deemed denied on review. The
decision on review shall set forth specific reasons for the decision, and
shall cite specific references to the pertinent Plan provisions on which the
decision is based.

                                      -16-

<PAGE>

         Adopted pursuant to resolutions of the Board of Directors of the
Company effective this ____ day of _______________, 2000.

TNPC, INC.

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

                                      -17-<PAGE>

                                                                     Exhibit 4.1

                            STOCK PURCHASE AGREEMENT

         AGREEMENT made, as of the 25th day of September, 2000, by and among NAI
DIRECT, INC. ("NAID"); REAL QUEST, INC. ("RQ"); WORLDWIDE WEB NETWORX
CORPORATION ("WWWX"); NEW AMERICA NETWORK, INC. ("NAI"); and GERALD C. FINN
("GCF") and JEFFREY FINN (GCF and Jeffrey Finn are sometimes hereafter referred
to together as the "Finns").

         WHEREAS, on or about the 23rd day of September, 1999, NAI and WWWX
entered into a Share Exchange Agreement (the "Share Exchange Agreement"), NAI,
WWWX and RQ entered into the Real Quest Shareholders Agreement (the "RQ
Shareholders Agreement"), and RQ, the Finns and NAID entered into the NAI Direct
Shareholders Agreement (the "NAID Shareholders Agreement"); and

         WHEREAS, pursuant to the Share Exchange Agreement, NAI transferred to
WWWX 80 shares of the common stock of RQ, representing 80% of the issued and
outstanding equity of RQ, and WWWX issued a total of 1,500,000 shares of WWWX
common stock to NAI, of which 750,000 shares were delivered to NAI on or about
September 23, 1999 (the "Delivered WWWX Shares") and 750,000 shares are
currently held in escrow pursuant to the provisions of Section 1.01(b) of the
Share Exchange Agreement and the Escrow Agreement which is EXHIBIT 1.01 to the
Share Exchange Agreement (the "Escrowed WWWX Shares"); and

         WHEREAS, WWWX owns 80% of the outstanding equity interest in RQ and NAI
owns the remaining 20% of the outstanding equity interest in RQ; and

         WHEREAS, RQ owns 80% of the outstanding equity interest in NAID and the
Finns and other employees of NAI and NAID own the remaining 20% of the
outstanding equity interest in NAID; and

         WHEREAS, pursuant to Sections 3.1 through 3.3 of the RQ Shareholders
Agreement, WWWX agreed to provide NAID with certain technology and to provide or
obtain certain funding for NAID; and

         WHEREAS, WWWX loaned the sum of $1,000,000 to NAID in accordance with
the provisions of Section 3.2 of the RQ Shareholders Agreement, as evidenced by
that certain Promissory Note in the principal amount of $1,000,000, dated
September 23, 1999 (the "$1 Million Note"); and

         WHEREAS, WWWX loaned the additional sum of approximately $1,100,000 to
NAID in accordance with the provisions of Section 3.3 of the RQ Shareholders
Agreement, as evidenced by that certain Promissory Note in the principal amount
of $4,000,000, dated April 27, 2000 (the "$4 Million Note", and the $1 Million
Note and the $4 Million Note are referred to hereafter collectively as the
"Notes"); and
<PAGE>

         WHEREAS, WWWX loaned the additional sum of $250,000 to NAID (the
"$250,000 Loan"), on September 25, 2000, which was guaranteed by NAI, pursuant
to the terms and provisions of a Convertible Promissory Note (the "$250,000
Note"); and

         WHEREAS, WWWX desires to acquire a 4% equity interest in NAI in
consideration for 79 shares of the common stock of RQ owned by WWWX and the
Notes, and NAI desires to acquire 79 shares of the RQ common stock owned by WWWX
and the Notes from WWWX in consideration for a 4% equity interest in NAI.

         NOW, THEREFORE, in consideration for the foregoing premises and the
promises contained herein, as well as for other good and valuable consideration,
the receipt and sufficiency of which is hereby acknowledged and conclusively
established, the parties hereto, intending to be legally bound hereby, agree as
follows:

         1. WWWX shall transfer 79 shares of the RQ common stock owned by WWWX
and the Notes to NAI in exchange for such number of shares of the common stock
of NAI as shall represent 4% of the total issued and outstanding capital stock
of NAI, with the anti-dilution rights set forth herein and the registration
rights set forth on EXHIBIT A attached hereto. Upon WWWX's receipt of a stock
certificate evidencing its ownership of a 4% equity interest in NAI, as
aforesaid, an agreement from NAI and RQ confirming WWWX's anti-dilution rights
and registration rights and a stock certificate for 1 share of RQ common stock,
WWWX shall transfer 79 shares of the RQ common stock owned by WWWX to NAI and
deliver the Notes to NAI.

         2. Notwithstanding anything contained in SECTION 1 hereof to the
contrary, in the event of the merger and consolidation of NAID and RQ with NAI,
with NAI as the surviving entity (the "Consolidation"), WWWX's 4% equity
interest in NAI and one share of RQ common stock shall be converted to such
number of shares of NAI as shall represent 4% of the issued and outstanding
capital stock of NAI as of the date hereof, subject to the anti-dilution
provisions of Section 3.

         3. Neither NAI nor NAID (the "Company") shall, at any time hereafter:

                  a. issue shares of its common stock ("Common Stock") for a
consideration per share less than the Current Market Value of the shares, other
than shares issued (i) upon exercise of options hereafter granted to the
Company's officers, directors, employees and consultants under a plan or plans
adopted by the Company's Board of Directors and approved by its shareholders,
provided that the exercise price for such options is not less than the Current
Market Value of the shares at the time of the grant and only to the extent that
the aggregate number of shares excluded hereby and issued after the date hereof
shall not exceed 10% of the Company's Common Stock outstanding at the time of
any issuance; (ii) upon exercise of options, warrants, convertible securities
and convertible debentures outstanding as of September 14, 2000; (iii) to
shareholders of any corporation which merges into the Company in proportion to
their stock holdings of such corporation immediately prior to such merger, upon
such merger; (iv) issued in a private placement, or upon exercise or conversion
of any

                                       2
<PAGE>

securities issued in or in connection with such a private placement (including
agent, consulting or advisory), where the Offering Price (as defined below) is
at least 90% of the Current Market Value; (v) issued in a bona fide public
offering pursuant to a firm commitment underwriting; or (vi) in connection with
the Consolidation; or

                  b. issue any securities convertible into or exchangeable for
its Common Stock (excluding securities issued in transactions described in
subsection (a) above) for a consideration per share of Common Stock initially
deliverable upon conversion or exchange of such securities less than the Current
Market Value of the shares.

For purposes hereof, the Current Market Value of a share of Common Stock shall
be determined as follows:

If the Common Stock is listed on a national securities exchange or admitted to
unlisted trading privileges on such exchange or listed for trading on the Nasdaq
National Market System ("NMS"), the Current Market Value shall be the average of
the last reported sale prices of the Common Stock on such exchange for the 10
trading days prior to the date of exercise of the Lender's conversion rights;
provided that if no such sale is made on a day within such period or no closing
sale price is quoted, that day's market value shall be the average of the
closing bid and asked prices for such day on such exchange or system; or

If the Common Stock is listed in the over-the-counter market (other than on NMS)
or admitted to unlisted trading privileges, the Current Market Value shall be
the mean of the last reported bid and asked prices reported by the National
Quotation Bureau, Inc. for the 10 trading days prior to the date of the exercise
of this Warrant; or

If the Common Stock is not so listed or admitted to unlisted trading privileges
and bid and asked prices are not so reported, the Current Market Value shall be
the fair market value of the shares as determined in a reasonable manner by the
Board of Directors of the Company.

         4. Upon the completion of the stock exchange provided for in SECTION 1
of this Agreement, WWWX and NAI will cause the Escrowed WWWX Shares to be
released from escrow and delivered to NAI. WWWX will cause the Rule 144 legend
to be removed from the certificates evidencing both the Delivered WWWX Shares
and the Escrowed WWWX Shares, as well as from the certificate(s) evidencing the
325,000 shares of WWWX common stock earned by NAI in connection with the
AsseTrade transaction, as soon as it is legally permissible to do so.

         5. Upon the completion of the stock exchange provided for in SECTION 1
of this Agreement, NAI and/or GCF shall have the right to sell, pledge or
hypothecate up to 325,000 shares of WWWX stock owned by NAI and/or GCF, at their
discretion, subject to the provisions of applicable law. However, until the
expiration of the six month period following the date of this Agreement, neither
NAI nor GCF shall sell, pledge, grant a security interest in, hypothecate or
encumber in any way any other WWWX shares owned by NAI and/or GCF and an
appropriate legend shall be placed upon all certificates

                                       3
<PAGE>

subject to such restriction; PROVIDED, HOWEVER, that a limited number of such
shares may be sold by NAI and/or GCF, on an as needed basis, with the prior
written consent of the president of WWWX, which shall not be unreasonably
withheld. WWWX shall cause any legend placed on any certificates pursuant to the
provisions of this SECTION 5 to be removed immediately upon the request of NAI
at any time following the expiration of the six month period following the date
of this Agreement. WWWX will not take any action that would interfere with the
sale, pledge or hypothecation of any of the WWWX shares owned by NAI and/or GCF
in accordance with the provisions of this Agreement and applicable law.

         6. If NAI receives a bona fide offer to purchase all or any portion of
its shares of RQ from an independent third party at any time within the two year
period following the date of this Agreement and prior to the registration of any
of the RQ shares under the Securities Act of 1933, as amended, which NAI desires
to accept, NAI shall give WWWX notice of such an offer and provide WWWX with a
copy thereof. WWWX shall have the option to elect, within 10 days following its
receipt of such notice, to purchase the shares of RQ which are the subject of
the offer under the same terms and conditions as the offer. If, at the end of
the option period described above, WWWX has not exercised its option to purchase
all of the offered shares, then NAI shall be free, for a period of 60 days
thereafter, to sell all, but not less than all, of the offered shares to the
third party purchaser at the same price and upon the same terms and conditions
as the offer. If such offered shares are not so sold within the aforesaid 60-day
period, NAI shall not be permitted to sell such offered shares without again
complying with the provisions of this SECTION 6.

         7. If RQ and/or the Finns, or either of them, receive a bona fide offer
to purchase all or any portion of their shares of NAID from an independent third
party at any time within the two year period following the date of this
Agreement and prior to the registration of any of the NAID shares under the
Securities Act of 1933, as amended, which RQ and/or the Finns, or either of
them, desire to accept, RQ and the Finns, as applicable, shall give WWWX notice
of such an offer and provide WWWX with a copy thereof. WWWX shall have the
option to elect, within 10 days following its receipt of such notice, to
purchase all of the shares of RQ and/or the Finns, as applicable, which are the
subject of the offer under the same terms and conditions as the offer. If, at
the end of the option period described above, WWWX has not exercised its option
to purchase all of the offered shares, then RQ and/or the Finns, as applicable,
shall be free, for a period of 60 days thereafter, to sell all, but not less
than all, of the offered shares to the third party purchaser at the same price
and upon the same terms and conditions as the offer. If such offered shares are
not so sold within the aforesaid 60-day period, RQ and the Finns shall not be
permitted to sell such offered shares without again complying with the
provisions of this SECTION 7.

         8. If the Finns, or either of them, receive an offer to purchase all or
any portion of their shares of NAI, which they, or either of them, desire to
accept, the Finns (or either of them, as applicable) shall give prompt notice to
WWWX of such offer and the terms thereof and provide WWWX with a copy of such
offer. WWWX shall have the option, which must be exercised in writing not later
than 10 days prior to the closing of the sale

                                       4
<PAGE>

by the Finns (or either of them, as applicable), to require the Finns to give
notice to the purchaser that, as part of the same transaction and as a condition
thereto, WWWX's shares must be purchased for the same consideration and
otherwise on the same terms and conditions upon which the Finns (or either of
them, as applicable) will sell their shares to the purchaser. If the purchaser
does not wish to purchase a greater interest in NAI than contained in its offer,
then the purchaser must purchase the shares from the Finns (or either of them,
as applicable) and WWWX on a pro rata basis in relation to each party's interest
in NAI. In the event the purchaser does not purchase the shares of WWWX in
accordance with the provisions of this SECTION 8, then the sale by the Finns (or
either of them, as applicable) of their shares in NAI shall be voidable at the
option of WWWX.

         9. Upon the completion of the stock exchange provided for in SECTION 1
of this Agreement, the RQ Shareholders Agreement shall terminate and each of the
parties hereto releases the others from all obligations under both the RQ
Shareholders Agreement and the NAID Shareholders Agreement.

         10. This Agreement may be executed in any number of counterparts, each
of which shall be deemed an original and all of which together shall be deemed
to be one and the same instrument.

         11. In case any clause or provision in this Agreement shall be deemed
to be invalid, illegal or unenforceable, the validity, legality and
enforceability of the remaining clauses and provisions hereof shall not in any
way be affected or impaired thereby.

         12. This Agreement shall be interpreted as having been fully negotiated
and drafted jointly by all of the parties, and shall not be more strictly
construed against any party.

         13. This Agreement constitutes the entire agreement by and among the
parties hereto with respect to the subject matter hereof and supersedes all
prior oral and/or written understandings and agreements relating thereto. None
of the parties nor any of its agents has made any representations to the others
which the parties intend to have any force or effect, except as specifically set
forth herein, and no party, in executing or performing this Agreement, is
relying upon any statement, covenant, representation or information, of any
nature, whatsoever, to whomsoever made or given, directly or indirectly,
verbally or in writing, by any person or entity, except as specifically set
forth herein. This Agreement may not be modified or changed, in any way, except
in writing signed by both of the parties hereto.

                            [SIGNATURES ON NEXT PAGE]

                                       5
<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Agreement to be duly
executed as of the date first above written.

                                    NEW AMERICA NETWORK, INC.

                                    By: /s/ JEFFREY FINN
                                        --------------------------------------
                                        Name:  Jeffrey Finn
                                        Title: President

                                    NAI DIRECT, INC.

                                    By: /s/ JEFFREY FINN
                                        --------------------------------------
                                        Name:  Jeffrey Finn
                                        Title: President

                                    REAL QUEST, INC.

                                    By: /s/ JEFFREY FINN
                                        --------------------------------------
                                        Name:  Jeffrey Finn
                                        Title: President

                                    WORLDWIDE WEB NETWORX CORPORATION

                                    By: /s/ CAROL C. KNAUFF
                                        --------------------------------------
                                        Name:  Carol C. Knauff
                                        Title: Chairman, Chief Executive
                                               Officer, and President

                                    ------------------------------------------
                                    /s/ GERALD C. FINN
                                    GERALD C. FINN

                                    ------------------------------------------
                                    /s/ JEFFREY FINN
                                    JEFFREY FINN

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