Document:

exv10w20

 

Exhibit 10.20

Summary Cash Compensation Sheet

	 	 	 	 	 	 	 	 	 	 	 
	Name	 	Title	 	2004 Bonus	 	2005 Salary
	E. Kevin Hrusovsky

	 	President and
Chief Executive Officer
	 	$	418,000	 	 	$	400,000	 
	 
	 	 	 	 	 	 	 	 	 	 
	Stephen E. Creager

	 	Vice President and
General Counsel
	 	$	69,300	 	 	$	221,000	 
	 
	 	 	 	 	 	 	 	 	 	 
	Peter McAree

	 	Vice President,

Finance
	 	$	76,877	 	 	$	173,000	 
	 
	 	 	 	 	 	 	 	 	 	 
	Will Kruka

	 	Vice President,

Business Development
	 	$	81,576	 	 	$	215,000	 
	 
	 	 	 	 	 	 	 	 	 	 
	Andrea Chow

	 	Vice President,

Microfluidics R&D
	 	$	57,475	 	 	$	200,000	 

As previously disclosed on a Report of Form 8-K filed on December 14, 2004, the annual salary for
Thomas T. Higgins, Executive Vice President and Chief Financial Officer of Caliper, who commenced
employment with Caliper on January 10, 2005, was previously established by the Board at $260,000.
Because his employment commenced with Caliper after the beginning of the year, Mr. Higgins was not
paid a bonus for 2004.<PAGE>

                                                                    EXHIBIT 10.9

                              OPEN SOLUTIONS INC.

                         Restricted Stock Unit Agreement
                    Granted Under 2003 Stock Incentive Plan

      AGREEMENT made this __ day of _________, 200_, between Open Solutions
Inc., a Delaware corporation (the "Company"), and _______________ (the
"Participant").

      For valuable consideration, receipt of which is acknowledged, the parties
hereto agree as follows:

1.    Issuance of Shares.

      The Company hereby grants to the Participant, subject to the terms and
conditions set forth in this Agreement and in the Company's 2003 Stock Incentive
Plan (the "Plan"), the right to receive ___ shares of common stock, $0.01 par
value, of the Company (the "Shares") on the Vesting Date (as defined in Section
2(a) below). Within thirty (30) days after the Vesting Date, the Company shall
issue to the Participant one or more certificates in the name of the Participant
representing the Shares (subject to adjustment pursuant to Section 8(a) of the
Plan). Until the Vesting Date, the Participant shall have no rights to any
Shares or any rights associated with such Shares, including without limitation
dividend or voting rights.

2.    Vesting.

            (a) The Shares will vest upon the earlier of (i) the first date on
which the Participant is no longer a member of the Board of Directors of the
Company and (ii) January 1, 2015 (the "Vesting Date").

            (b) In the event that the Participant's service as a director of the
Company is terminated by reason of death or disability, the Shares will vest
immediately following such death or disability and will be issued to the
Participant or his estate within thirty (30) days of such death or disability.
For this purpose, "disability" shall mean the inability of the Participant, due
to a medical reason, to carry out his duties as a director of the Company for a
period of six consecutive months.

            (c) In the event of (i) the liquidation or dissolution of the
Company or (ii) a Reorganization Event (as defined in the Plan), the Shares will
vest and be issued to the Participant immediately prior to such event.

3.    Transferability.

      This Agreement may not be sold, assigned, transferred, pledged,
hypothecated or otherwise disposed of (whether by operation of law or otherwise)
(collectively, a "transfer"), except that this Agreement may be transferred by
the laws of descent and distribution. The Participant may only transfer the
Shares that may be issued pursuant to this Agreement following the Vesting Date.

<PAGE>

4.    Provisions of the Plan.

      This Agreement is subject to the provisions of the Plan, a copy of which
is furnished to the Participant with this Agreement.

5.    Withholding Taxes.

            (a) The Participant has reviewed with the Participant's own tax
advisors the federal, state, local and foreign tax consequences of this
investment and the transactions contemplated by this Agreement. The Participant
is relying solely on such advisors and not on any statements or representations
of the Company or any of its agents.

            (b) The Participant acknowledges and agrees that the Company has the
right to deduct from payments of any kind otherwise due to the Participant any
federal, state or local taxes of any kind required by law to be withheld with
respect to the transactions contemplated by this Agreement, including the
vesting of the Shares.

6.    Miscellaneous.

            (a) Severability. The invalidity or unenforceability of any
provision of this Agreement shall not affect the validity or enforceability of
any other provision of this Agreement, and each other provision of this
Agreement shall be severable and enforceable to the extent permitted by law.

            (b) Waiver. Any provision for the benefit of the Company contained
in this Agreement may be waived, either generally or in any particular instance,
by the Board of Directors of the Company.

            (c) Binding Effect. This Agreement shall be binding upon and inure
to the benefit of the Company and the Participant and their respective heirs,
executors, administrators, legal representatives, successors and assigns,
subject to the restrictions on transfer set forth in Section 3 of this
Agreement.

            (d) Notice. All notices required or permitted hereunder shall be in
writing and deemed effectively given upon personal delivery or five days after
deposit in the United States Post Office, by registered or certified mail,
postage prepaid, addressed to the other party hereto at the address shown
beneath his or its respective signature to this Agreement, or at such other
address or addresses as either party shall designate to the other in accordance
with this Section 6(d).

            (e) Pronouns. Whenever the context may require, any pronouns used in
this Agreement shall include the corresponding masculine, feminine or neuter
forms, and the singular form of nouns and pronouns shall include the plural, and
vice versa.

            (f) Entire Agreement. This Agreement and the Plan constitute the
entire agreement between the parties, and supersedes all prior agreements and
understandings, relating to the subject matter of this Agreement.

                                      -2-

<PAGE>

            (g) Amendment. This Agreement may be amended or modified only by a
written instrument executed by both the Company and the Participant.

            (h) Governing Law. This Agreement shall be construed, interpreted
and enforced in accordance with the internal laws of the State of Delaware
without regard to any applicable conflicts of laws.

            (i) Participant's Acknowledgments. The Participant acknowledges that
he or she: (i) has read this Agreement; (ii) has been represented in the
preparation, negotiation and execution of this Agreement by legal counsel of the
Participant's own choice or has voluntarily declined to seek such counsel; (iii)
understands the terms and consequences of this Agreement; (iv) is fully aware of
the legal and binding effect of this Agreement; and (v) understands that the law
firm of Wilmer Cutler Pickering Hale and Dorr LLP is acting as counsel to the
Company in connection with the transactions contemplated by the Agreement, and
is not acting as counsel for the Participant.

      IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the date first above written.

                                    OPEN SOLUTIONS INC.

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

                                    -----------------------------
                                    [Name of Participant]

                                    Address:
                                             ----------------------------
                                             ----------------------------

                                      -3-<PAGE>

                                                                   Exhibit 10.14

         THIS LEASE made this 14th day of February, 2000 by and between CARL
FOSTER, LLC, a Connecticut limited liability company having an office at 100
Western Boulevard, Glastonbury, Connecticut (the "Landlord"), and Open Solutions
Inc. a Connecticut corporation having an office at 300 Winding Brook Drive,
Glastonbury, Connecticut (the "Tenant").

         1. DEMISE; PREMISES; TERM. (a) The Landlord hereby demises and leases
to the Tenant, and the Tenant hereby takes and hires from the Landlord, for the
term hereinafter stated, for the rent hereinafter reserved, and upon and subject
to the covenants, agreements, terms, conditions, limitations, exceptions and
reservations of this lease, the north wing of the first floor of the building
comprising Four thousand twenty (4,020) square feet of Gross Rentable Area (as
defined in Section 2(f) (the "Demised Premises").

         (b) The term "Building" as used in this lease shall mean the 2-story
office building containing approximately 25,537 square feet of gross rentable
space located on a parcel of land known as 100 Western Boulevard, Glastonbury,
Connecticut, which parcel of land is more particularly described on Exhibit B
attached hereto and is hereinafter referred to as the "Land".

         (c) The term of this lease is five months and the estate hereby granted
(collectively the "term of this lease") shall commence on March 1, 2000 (the
"Commencement Date") and shall end on July 31, 2000, which ending date, unless
the context otherwise requires, is hereinafter called the "Expiration Date", or
shall end on such earlier date upon which the term may expire or be terminated
pursuant to any of the provisions of this lease or pursuant to law.

         2. RENT; SECURITY DEPOSIT. (a) The rent (the "Rent") for the term
hereof shall commence to accrue on March 1, 2000. Rent shall be and consist of:

                  (i)  an annual fixed rent in the amount of Seventy Eight
         Thousand Three Hundred Ninety Dollars ($78,390.00) or $19.50 per
         rentable square foot, together with

                  (ii) such other sums of money as shall become due and payable
         by the Tenant to the Landlord as provided in this lease, such other
         sums of money to be deemed to be additional rental whether or not such
         sums of money are designated as such hereunder.

         (b) The Rent shall be paid to the Landlord at its address specified in
Section 28, or at such other place as the Landlord may from time to time
designate, in lawful money of the United States of America, as and when the same
shall become due and payable and without abatement or offset and without notice
or demand therefor.

         (c) The annual Fixed Rent for each lease year shall be payable in equal
monthly installments of Six Thousand Five Hundred Thirty-Two and 50/100
($6,532.50) in advance on the first day of each and every calendar month during
each lease year. If the Commencement Date is other than the first day of the
calendar month, the first monthly installment of the Fixed Rent shall be
prorated to the end of the calendar month.

         (d) The additional rent shall be payable as hereinafter provided.

         (e) If the Tenant fails to pay within ten (10) days after the same is
due and payable any installment of Fixed Rent or any additional rent to be paid
by the Tenant to the Landlord as

<PAGE>

provided in this lease, such unpaid amount shall bear interest from the due date
thereof to the date of payment at the rate equal to the lesser of (i) ten
percent (10%) per annum, or (ii) the maximum rate permitted by applicable law.
Such interest shall be paid by the Tenant to the Landlord at the time that the
Tenant pays to the Landlord the installment of Fixed Rent or the additional rent
upon which such interest shall have accrued.

         (f) As used herein, the term "Gross Rentable Area of the Demised
Premises" shall mean Four Thousand Twenty (4,020) square feet.

         (g) As used herein, the term "lease year" shall mean the period
commencing on March 1, 2000 and ending on February 28, 2001, and each period of
twelve (12) consecutive calendar months thereafter.

         3. ADDITIONAL RENT FOR CHANGES IN OPERATING EXPENSES AND TAXES. (a) As
used herein:

                  (i)  "Base Year and Operating Expenses" shall mean the total
         operating expenses for Calendar year 2000. Base year will be 2000.

                  (ii) "Calendar Year" means each period of twelve (12)
         consecutive calendar months commencing on January 1 and ending on
         December 31.

                  (iii) "Escalation Amount" for or in respect of any Calendar
         Year means the product of (A) the Gross Rentable Area of the Demised
         Premises times (B.) the amount by which the sum of the Operating
         Expenses and the Taxes per square foot of the Gross Rentable Area of
         the Building for such Calendar Year as exceeds the sum of the Taxes for
         the Base Year plus the Base Year operating expenses per square foot of
         the Gross Rentable Area of the Building.

                  (iv) "Gross Rentable Area of the Building" shall mean
         Twenty-Five Thousand Five Hundred Thirty-Seven (25,537) square feet.

                  (v)  "Operating Expenses" means all direct costs to the
         Landlord, reduced by the amounts of any reimbursement or credit
         received or receivable by the Landlord from fire insurance or
         condemnation proceeds or otherwise, of the operation and maintenance of
         the Building and the Land, as determined by generally accepted
         accounting principles, including, without limitation, all utilities,
         fuel, building supplies, materials, equipment, tools, janitorial
         services, sanitary control, security control, snow and ice removal,
         rubbish, garbage and other refuse removal, grounds maintenance, normal
         maintenance and ordinary and normal repairs, wages of employees who
         work customarily in and about the Building and the Land and whose
         duties are connected with its operation, maintenance or repair
         (including Social Security benefits, worker's compensation insurance,
         unemployment taxes, and costs of pension, hospitalization and
         retirement plans), insurance premiums, and other recurring expenses
         reasonably and customarily incurred by the Landlord in the proper
         operation and maintenance of the Building and the Land, including an
         annual management fee comparable to that being charged for similar
         Class A office buildings in Glastonbury, Connecticut, but excluding (A)
         depreciation, interest and amortization payments on any mortgage or
         other indebtedness of the

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<PAGE>

         Landlord; (B) the cost of any repairs, alterations, additions, changes,
         replacements and other items which are properly classified as capital
         expenditures under generally accepted accounting principles but if the
         Landlord installs a new or replacement capital item to reduce the
         Landlord's energy expenses, an amount equal to the lesser of (i) the
         reduction in operating Expenses each year derived from the installation
         of such capital item, or (ii) the cost thereof as amortized over the
         useful life of the capital item in accordance with generally accepted
         accounting principles, with interest on the unamortized amount at the
         rate of interest actually paid by the Landlord in order to finance the
         acquisition and installation of the capital item, shall be included in
         operating Expenses; (C) costs incurred in making leasehold alterations
         and in preparing space in the Building for occupancy by tenants; (D)
         painting, decoration or other work which Landlord performs for any
         other tenant or prospective tenant of the Building other than painting,
         decoration or other work which is standard for the Building and
         performed for tenants subsequent to their initial occupancy; (E) any
         cost (such as repairs, improvements, electricity, special cleaning or
         overtime services) to the extent such costs are included in tenant's
         rent or are expressly reimbursed to Landlord by tenants (as opposed to
         partial reimbursement in the nature of rent escalation provisions) or
         are separately charged to and payable by tenants or to the extent
         Landlord is compensated by insurance proceeds; (F) leasing commissions
         and expenses of procuring tenants including marketing costs, including
         lease concessions and lease takeover obligations; (G) taxes of any
         nature, including real estate taxes, and interest and penalties for
         late payment of taxes; (H) rent payable under any lease to which this
         lease is subject; (I) wages or salaries of employees over the rank of
         building superintendent; (J) costs and expenses of enforcing leases
         against tenants, including legal fees; (K) expenses resulting from
         violation by Landlord of the terms of any lease of space in the
         Building or of any ground or underlying lease or mortgage to which this
         lease is subordinate; and (L) costs of compliance with the American
         Disabilities Act, as from time to time amended, and the rules and
         regulations thereunder. If the entire Building shall not have been
         occupied for any part of a Calendar Year, Operating Expenses for that
         Calendar Year shall be adjusted to reflect the amount of such Operating
         Expenses that would reasonably have been incurred had the entire
         Building been occupied by projection of Operating Expenses actually
         incurred in those portions of the Building occupied throughout the
         Calendar Year to those portions of the Building which are vacant during
         part or all of the Calendar Year.

                  (vi) Taxes means all taxes, assessments, water rates and
         charges, sewer assessments and charges, and other governmental levies
         or charges which are assessed or imposed upon the Building and the
         Land, or any part thereof, and which become payable during the term of
         this lease, including any costs or expenses, including reasonable
         attorney's fees incurred in contesting the validity or amount of the
         above, but excluding any amount in respect of any income, profit or
         revenue tax or any other tax, assessment, charge or levy upon the rents
         payable by the tenants of the Building unless such amount is levied as
         a substitution in whole or in part for taxes assessed or imposed by any
         taxing authority on the Building and the Land, in which case Taxes
         shall include an amount of money equal to the taxes which would have
         been payable by the Landlord in the absence of such substitute tax or
         excise or, if the same cannot be reasonably ascertained, an amount of
         money equal to the portion of the tax or excise as would be payable by
         the Landlord if the rents payable by the tenants of the Building, upon
         which such tax or

                                       3

<PAGE>

         excise has been imposed, were the sole taxable income of the Landlord
         for the relevant Calendar Year in question and the tax or excise, so
         far as ascertainable, relieves the Landlord from the payment of any
         taxes which it otherwise would be obligated to pay. Any Taxes which may
         be paid over more than a one-year period shall be apportioned evenly
         over the maximum period of time permitted by law and only the portion
         thereof attributable to a given year shall be included in Taxes for
         such year.

         (b) Within ninety (90) days after the expiration of each Calendar Year,
the Landlord shall deliver to the Tenant a statement, certified as correct by
the Landlord's independent certified public accountants, setting forth the
Operating Expenses and Taxes per square foot of Gross Rentable Area of the
Building for that Calendar Year, and the excess of that amount over the Base
Taxes and Operating Expenses per square foot; provided, however, that delay in
completion of such determination and calculations shall not be deemed a waiver
of Landlord's right to collect such Additional Rent. Such statement shall be
binding on both the Landlord and the Tenant subject to Tenant's auditing rights
as hereinafter provided. The Tenant shall pay to the Landlord, as additional
rent, within thirty (30) days after the Tenant receives such statement, the
Escalation Amount for the Calendar Year to which such statement relates, less so
much thereof as shall have been paid to the Landlord as provided in Section
3(c).

         (c) The Tenant shall not be responsible for paying any Escalation
Amount during the first Ten Months ending December 31, 2000. Beginning January
1, 2001 and continuing during the term of this lease, as an estimate of the
Escalation Amount for the then-current Calendar Year, the Tenant shall pay to
the Landlord, beginning January 1, 2001, and on the first day of each and every
subsequent calendar month during the term of this lease, an amount equal to
one-twelfth (1/12) of the amount from time to time reasonably estimated by the
Landlord as the Escalation Amount for the then-current Calendar Year. If the
amounts paid to the Landlord as provided in this Section 3(c) during any
Calendar Year shall exceed the actual Escalation Amount for that Calendar Year,
then the Landlord shall refund such excess to the Tenant at the same time that
the Landlord shall deliver to the Tenant the statement required pursuant to
Section 3(b) with respect to that Calendar Year.

         (d) The additional rent payable pursuant to this Section 3 during the
last Lease Year shall be apportioned to reflect the number of days of such
Calendar Year within the term of this lease.

         (e) Tenant shall have ninety (90) days to audit Landlord's statement
and the work papers from which the statement was derived. Any Landlord
overcharges are payable to Tenant in thirty (30) days or credited against the
next rental payment or payments due from Tenant, if applicable, and as shall be
mutually agreed. If Tenant's audit discloses error in the amount of 5% or more
Landlord shall pay the cost of Tenant's CPA fees or credit the amount against
the next rental payment or payments due from Tenant, if applicable, and as shall
be mutually agreed.

         4. CONSTRUCTION BY THE LANDLORD. None.

         5. USE. The Tenant shall have the right to occupy and use the Demised
Premises for general and other office purposes, and the Tenant shall not use or
permit the use of the Demised Premises for any other purpose. Landlord warrants
that applicable covenants, restrictions, easements, zoning and other laws and
regulations permit the use of the Demised Premises for the

                                       4

<PAGE>

purpose herein allowed and specified, and that on or before the Commencement
Date Landlord shall hold a valid certificate of occupancy (or its equivalent)
for the Demised Premises.

         6. SIGNS; LOBBY DIRECTORY. (a) The Landlord, at the Landlord's expense,
shall provide and maintain (i) in the lobby of the Building a surface-mounted
directory and (ii) on the Land a ground mounted directory, each naming the
Tenant and other tenants in the Building.

         (b) Unless the Landlord shall have given its prior written consent, the
Tenant shall not install, paint, inscribe or maintain any lettering, name, sign,
business designation, advertising or publicity device on the Land or on any
exterior window or on any other interior or exterior portion of the Building,
and during the term of this lease the Landlord shall include like restrictions
in each lease hereafter made for any other portions of the Building.
Notwithstanding the above, however, the Tenant shall have the right to place its
name, and the name of any related or successor corporations, on or adjacent to
any doors leading to the Demised Premises, provided that the Tenant shall have
obtained the Landlord's prior approval as to location, size, color and style,
which approval shall not be unreasonably withheld or delayed.

         7. SUBORDINATION OF LEASE. This lease and all rights of the Tenant
hereunder are subject and subordinate to any mortgage or ground or other lease
made by the Landlord and which affect the Building or the Land and to any and
all renewals, modifications, consolidations, replacements and extensions
thereof. It is the intention of the parties that this provision be
self-operative and that no further instrument shall be required to effect such
subordination of this lease. The Tenant shall, however, upon demand at any time
or times execute, acknowledge and deliver to the Landlord a subordination
agreement, which subordination agreement shall subordinate this lease and all of
the rights of the Tenant hereunder to any future mortgages or ground or other
lease and shall include, but not be limited to, statements that if the lender or
lessor succeeds to the interest of Landlord under this lease, the lender or
lessor shall not be:

                  (i)  liable for any act or omission of any prior landlord
         (including Landlord); or

                  (ii) liable for the return of any security deposit which shall
         not have been turned over to lender; or

                  (iii) subject to any offsets or defenses which Tenant might
         have against any prior landlord (including Landlord); or

                  (iv) bound by any rent or additional rent which Tenant might
         have paid for more than the current month to any prior landlord
         (including Landlord); or

                  (v)  bound by any amendment or modification of this lease made
         without its consent;

provided, however, that in connection with any subordination to any future
mortgages or leases, the Tenant shall receive a nondisturbance agreement from
the holder of such mortgages or the lessors under such leases, as the case may
be, at the time such instruments are delivered by the Tenant. Such
nondisturbance agreement shall provide, among other things, that so long as the
Tenant is not in default under the terms of this lease, neither this lease nor
the Tenant's possession of the Demised Premises will be disturbed. The Tenant
further agrees to attorn to the

                                       5

<PAGE>

holder of any such mortgage, the lessor under any such lease or to the receiver
in foreclosure or the purchaser in such foreclosure proceedings, as the case may
be, and to recognize such party as the Landlord under this lease. The Tenant
waives the provisions of any statute or rule or law, now or hereafter in effect,
which may give or purport to give the Tenant any right or election to terminate
or otherwise adversely affect this lease or the obligations of the Tenant
hereunder in the event any such foreclosure proceeding is brought, prosecuted or
completed.

         8. QUIET ENJOYMENT. The Landlord covenants and agrees that as long as
the Tenant pays the Rent and performs the remainder of the Tenant's obligations
under this lease, the Tenant shall peaceably and quietly have, hold and enjoy
the Demised Premises without interference by any person claiming by, through or
under the Landlord.

         9. ASSIGNMENTS AND SUBLEASES. (a) Except as otherwise provided in this
Section 9, the Tenant agrees to neither assign or in any way encumber this
lease, nor to sublet the Demised Premises, or any part thereof, nor to permit
the Demised Premises, or any part thereof, to be used by others, without
obtaining the prior written consent of the Landlord in each instance, which will
not be unreasonably withheld, conditional or delayed.

         (b) So long as no event of default shall have occurred and be
continuing hereunder, the Tenant may assign this lease without the need for
Landlord consent to any corporation into which the Tenant may be merged or with
which the Tenant may be consolidated, or to which all or substantially all of
the Tenant's assets shall be transferred, provided that such corporation shall
have a net worth at least equal to that of the Tenant immediately prior to such
merger, consolidation or transfer. The Tenant shall give notice to the Landlord
of any assignment under this Section 9(b), and shall deliver to the Landlord an
executed counterpart of the instrument effecting such assignment, together with
an undertaking by any such corporation to agree to be bound by and to perform
all of the Tenant's obligations hereunder. The Tenant shall pay to the Landlord
fifty percent (50%) of all profit derived by the Tenant from such assignment or
sublease in accordance with the provisions of Section 9(c) below.

         (c) In the event of an approved assignment or sublease, Landlord shall
be entitled to receive 50% of the Profits actually received by Tenant pursuant
to such approved sublease or assignment. Whenever Landlord is entitled to share
in any excess income resulting from an assignment or sublease of the Demised
Premises, the following shall constitute the definition of the Profits: Profits,
as that term is used or described in the lease, shall mean the gross revenue
received from the assignee or sublessee during the sublease term or during the
assignment, less:

                  (i)  the gross revenue paid to Landlord by Tenant during the
         period of the sublease term or during the assignment;

                  (ii) the gross revenue paid to Landlord by Tenant for all days
         the portion of the Demised Premises in question was vacated from the
         date that Tenant first vacated that portion of the Demised Premises
         until the date the assignee or sublessee was to pay rent;

                  (iii) any improvement allowance or other economic concessions
         (planning allowance, moving expenses, etc.) paid;

                  (iv) lease takeover payments;

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<PAGE>

                  (v)  costs of advertising the space for sublease or
         assignment;

                  (vi) unamortized cost of initial and subsequent improvements
         to the Demised Premises by Tenant; and

                  (vii) real estate brokerage commissions.

         (d) No assignment or subletting of this lease shall relieve the Tenant
of any of the tenant's obligations under this lease.

         10. NO NUISANCE; COMPLIANCE WITH LAWS AND REQUIREMENTS OF PUBLIC
AUTHORITIES. The Tenant agrees (a) not to create or permit any nuisance on or
about the Demised Premises, (b) to comply with and conform to (i) all of the
laws and regulations of the state of Connecticut, and (ii) the by-laws,
ordinances, rules and regulations of the Town of Glastonbury, so far as the
Tenant's use of the Demised Premises may be concerned, and (c) to save the
Landlord harmless from all damages, fines, penalties and costs for violation of
or noncompliance with the provisions of this Section 10, provided that such
compliance shall not necessitate structural alterations or improvements other
than those arising out of the Tenant's Changes (as defined in Section 13).
Tenant's obligation under this Section 10 or any other similar provision of the
lease (including the rules and regulations, if any) shall be limited to those
situations in which a violation, order, code, duty or insurance requirement is
imposed resulting from the particular use made of the Demised Premises or any
portion thereof by Tenant, it being understood that Tenant shall not be
responsible for complying with any violations, orders, directives, laws, rules,
regulations, codes, duties or insurance requirements which are imposed on the
Building generally and which would have to be complied with whether Tenant or
any other tenants were then in possession of the Demised Premises.

         11. INSURANCE. (a) At all times during the term of this lease, Landlord
shall insure the Building against loss or damage by fire, and such other
casualties as may be included within the extended coverage clauses of policies
which are then standard for use in the state of Connecticut in such amount as
the Landlord in its sole judgment shall deem appropriate.

         (b) The Tenant shall not commit or permit any violation of the policies
carried by the Landlord pursuant to Section 11(a), or do or permit anything to
be done, or keep or permit anything to be kept, on or in the Demised Premises,
which, in case of any of the foregoing, (i) could result in termination of any
of such policies, (ii) could adversely affect the Landlord's right of recovery
under any of such policies, or (iii) would result in the refusal by reputable
and independent insurance companies to insure the Building or the property of
the Landlord therein in amounts reasonably satisfactory to the Landlord. If any
such action by the Tenant, or any failure by the Tenant to comply with the
requirements of insurance policies with respect to the Building or to perform
any of the Tenant's obligations under this lease, or the use of the Demised
Premises by the Tenant, shall result in any increase in the rate of premiums
payable with respect to such policies carried by the Landlord, the Tenant shall
pay to the Landlord, as additional rent, within thirty (30) days after demand
thereof or the resulting additional premiums which shall be paid by the
Landlord.

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<PAGE>

         (c) Except as provided in Section 11(g) below, at all times during the
term of this lease, the Tenant shall (i) insure the Tenant's Changes and the
Tenant's Property (as defined in Section 14) against loss or damage by fire and
such other casualties as may be included within the extended coverage clauses of
policies which are then standard for use in the State of Connecticut, and (ii)
keep in full force and effect a policy of public liability and property damage
insurance with respect to the Demised Premises in which the limit initially
shall be not less than one Million Dollars ($1,000,000.00) for each person and
Three Million Dollars ($3,000,000.00) for each accident, and in which the limit
for property damage initially shall be not less than Two Hundred Fifty Thousand
Dollars ($250,000.00), such limits to be increased from time to time as
reasonably specified by the Landlord.

         (d) Anything in this Lease to the contrary notwithstanding, Tenant
hereby waives any and all rights of recovery, claim, action or cause of action,
against the other, its agents, servants, partners, shareholders, officers, or
employees, for any loss or damage that may occur to the Demised Premises or the
Building, or any improvements thereto, or any personal property of such party
therein, by reason of fire, the elements, or any other cause which could be
insured against under the terms of standard fire and extended coverage insurance
policies regardless of cause or origin, including negligence of the other party
hereto, its agents, officers, partners, shareholders, servants, or employees,
and covenants that no insurer shall hold any right of subrogation against such
other party. Tenant will cause its respective insurers to issue appropriate
waiver of subrogation rights endorsements to such policies of insurance carried
in connection with the Building and the Demised Premises.

         (e) All insurance provided for in this Section 11 shall be effected
under valid and enforceable policies in form and substance then standard in the
state of Connecticut, issued by insurers of recognized responsibility licensed
to do business in the state of Connecticut and satisfactory to the Landlord.
Upon the Commencement Date, and thereafter not less than thirty (30) days prior
to the expiration dates of expiring policies provided by the Tenant pursuant to
Section 11(c), the Tenant shall deliver to the Landlord copies of policies or
certificates with respect to the insurance being maintained by the Tenant
pursuant to the terms of this lease. All such policies or certificates shall
contain an agreement by the insurers that such policies will not be canceled,
amended or otherwise modified without at least thirty (30) days prior written
notice to the Landlord, and that the Landlord's rights and interests under such
policies shall not be subject to cancellation by reason of any act or omission
of the Tenant. All insurance policies provided by the Tenant pursuant to Section
11(c) shall name the Landlord as an additional insured as its interest may
appear.

         (f) Except as otherwise provided in this Lease, Tenant shall indemnify
and save Landlord against all claims, liabilities, losses, damages, costs and
expenses (including reasonable attorneys' fees and other costs of defense)
because of injury, including death, to any person, or damage or loss of any kind
to property caused by negligence or misconduct of Tenant or the breach by the
Tenant of any of its obligations under this Lease. Nothing herein shall be
deemed to indemnify Landlord against Landlord's negligence or misconduct.

         (g) Anything herein to the contrary notwithstanding, Tenant shall be
permitted to self-assume the risk of physical damage to its personal property in
lieu of maintaining insurance

                                       8

<PAGE>

thereon. In the event of loss or damage to Tenant's personal property, Tenant
agrees to be responsible for repairing or replacing such damaged property.

         12. RULES AND REGULATIONS. The Tenant and its officers, employees and
agents shall conform to and abide by such reasonable rules and regulations,
including those Rules and Regulations as are set forth on Exhibit D attached
hereto, as shall be established from time to time by the Landlord in connection
with the operation, maintenance, safety and security of the Building. The
Landlord shall not be liable to the Tenant for violation of such rules and
regulations by other tenants or occupants of the Building, their servants,
employees, agents, visitors or licensees, or by other persons. Landlord agrees
to apply and enforce the rules and regulations for the Building evenly with
respect to all Tenants.

         13. ALTERATIONS AND IMPROVEMENTS. (a) The Tenant shall not make or have
made alterations, improvements, decorations, installations and substitutions
(collectively called "Tenant's changes") in, of or to the Demised Premises
without the prior written reasonable consent of the Landlord in each instance;
provided, however, that, except as to structural alterations, improvements or
additions and those prohibited by the Rules and Regulations attached hereto as
Exhibit D, such consent shall not be unreasonably withheld or delayed. Unless
otherwise specified in the consent referred to in this Section 13, any
improvements or alterations in the Demised Premises made by the Tenant
(including, without limitation, permanent partitions, wall paneling and lighting
fixtures, but excepting the Tenant's Property (as defined in Section 14)) shall
be and remain the property of the Landlord and, except as provided in Section
21, shall remain upon and be surrendered with the Demised Premises at the
termination of the term of this lease. If the Landlord consents to any such
alterations, improvements or additions, it may impose such conditions with
respect thereto as the Landlord reasonably deems appropriate, including, without
limitation, requiring the Tenant to furnish the Landlord with security for the
payment of all costs to be incurred in connection with such work, insurance
against liabilities which may arise out of such work and plans, specifications
and permits necessary for such work. The work necessary to make any alterations,
improvements or additions to the Demised Premises shall be done at the Tenant's
expense by employees of or contractors hired by the Landlord, except to the
extent the Landlord gives its prior written consent to the Tenant's hiring
employees or contractors, which consent shall not be unreasonably withheld or
delayed. The Tenant shall promptly pay to the Landlord or the Tenant's
contractors, as the case may be, when due, the cost of all such work and of all
repairs to the Building required by reason thereof. Upon completion of such work
the Tenant shall deliver to the Landlord, if payment is made directly to
contractors, evidence of payment, contractors' affidavits and full and final
waivers of all liens for labor, services or materials.

         (b) The Tenant, at its expense, shall obtain all necessary governmental
permits and certificates for the commencement and prosecution of the Tenant's
changes and for final approval thereof upon completion, and shall cause the
Tenant's changes to be performed in compliance therewith and with all applicable
laws and requirements of public authorities, and in a good and workmanlike
manner.

         (c) The Tenant's changes shall not constitute the basis for a claim
against the Landlord, nor a lien or charge upon or against the Land or the
Building, and if at any time any such claim, lien or charge shall be filed
against the Land or the Building, the Tenant shall cause such claim,

                                       9

<PAGE>

lien or charge to be properly released of record within fifteen (15) days after
the filing thereof, and if the Tenant shall fail to do so, then the Landlord may
discharge the same. The Tenant shall defend, indemnify and save harmless the
Landlord from and against any and all such claims, liens and charges, and all
costs and expenses, including reasonable attorney's fees, incurred by the
Landlord in procuring the discharge of any such claim, lien or charge or in
connection with any action or proceeding brought thereon.

         (d) The Tenant shall pay for all materials constituting Tenant's
Changes, and the Tenant agrees that none of such materials shall be at any time
subject to or encumbered by any lien, security interest, encumbrance, charge,
installment sales contract or the interest of any other person, firm or
corporation whether created voluntarily or involuntarily.

         14. TENANT'S PROPERTY. (a) Except for Tenant's Changes and those items
furnished or installed by the Landlord as part of the Landlord's Work as
provided in Section 4(b), all movable partitions, business and trade fixtures,
machinery and equipment, communications equipment and all other property, which
is not attached to or built into the Demised Premises, which are installed in
the Demised Premises and which is installed in the Demised Premises by or for
the account of the Tenant at its sole expense and all furniture, furnishings and
other articles of personal property owned by the Tenant and located in the
Demised Premises (all of which are collectively called the "Tenant's Property"),
shall be and shall remain the property of the Tenant, and may be removed by it
at any time during the term of this lease and shall be removed by it at the
termination of the term of this lease. The Tenant shall repair or pay the cost
of repairing any damage to the Demised Premises or to the Building resulting
from such removal.

         (b) The Landlord shall not be liable to the Tenant or any other person
for any loss or damage to the Tenant's property or the Tenant's changes, or to
any property of any other person, from any cause, including, without limitation,
theft, vandalism, illegal entry, or by steam, gases or electricity, or by water,
rain or snow, whether the same may leak into, issue or flow from any part of the
Building, or from the pipes or plumbing work of the Building, or from any other
place or quarter, unless caused by the negligence or willful act of the
Landlord, its servants, agents or employees.

         15. TENANT'S REPAIRS. (a) Except for the maintenance for which the
Landlord is expressly responsible pursuant to the provisions of Section 16, the
Tenant agrees that throughout the term of this lease, the Tenant, at its
expense, shall (i) keep the Demised Premises in a clean condition and in good
order, and (ii) make all necessary repairs and replacements on account of, and
not do or suffer any waste, damage or injury to the Demised Premises or the
Tenant's Changes.

         (b) Except for loss or damage by reason of fire and other casualty, the
Tenant shall reimburse the Landlord for all costs and expense incurred by the
Landlord to repair all damage the Demised Premises as shall be required by
reason of the fault or neglect of the Tenant, or any of its officers, employees,
contractors, agents or invitees, such payment to be made within thirty (30) days
after written demand therefor.

         16. LANDLORD'S REPAIR; MAINTENANCE; CLEANING. (a) The Landlord, shall
keep, maintain and repair the Building, and its fixtures, appurtenances, systems
and facilities, and the

                                       10

<PAGE>

parking lot, sidewalks and other appurtenances thereto, in good working order
and condition and shall make all repairs, structural and otherwise, interior and
exterior, as and when needed in or about the Demised Premises. The Landlord
shall not be liable for any damages sustained by the Tenant resulting from the
failure of the Landlord to make repairs for which the Landlord is responsible
hereunder unless prior written notice has been given by the Tenant to the
Landlord of the need for such repairs and the lapse of a period of time
sufficient, with the exercise of reasonable diligence, for the making of such
repairs has occurred.

         (b) The Landlord, at its expense, shall:

                  (i)  keep and maintain clean and in good order the exterior of
         the Demised Premises (including both sides of all exterior windows),
         the lobbies, public areas and the public facilities of the Building and
         the Land,

                  (ii) keep the sidewalks and parking lot on and adjoining the
         Land free of accumulations of snow and ice, dirt, refuse, rubbish and
         unlawful obstruction,

                  (iii) keep the exterior surfaces of the Building cleaned and
         washed or otherwise clean the same as frequently as shall be necessary
         to maintain the first-class appearance of the Building, and

                  (iv) keep and maintain clean and in good condition the
         interior of the Demised Premises, the Landlord providing five (5) day
         cleaning service comparable to other Class A buildings in the Salmon
         Brook area, as per the cleaning specifications including the services
         delimited in the "Outline of Cleaning Services" attached hereto as
         Exhibit E.

         17. UTILITIES AND SERVICES. (a) During the term of this lease, and so
long as no event of default shall have occurred and be continuing hereunder, the
Landlord, shall provide hot and cold running water for drinking purposes,
electricity for normal office use, toilet and automatically operated elevator
facilities to the Demised Premises on a round-the-clock basis. The Landlord
shall also provide heat, air-conditioning and ventilation in the Demised
Premises and the lobbies of the Building during "regular hours" of each
"business day" (which as used in this lease means 7:00 a.m. to 7:00 p.m. Monday
through Friday and 7:00 a.m. to 1:00 p.m. on Saturday) sufficient to maintain
the Demised Premises with proper ventilation at a comfortable temperature level.
The HVAC system can be activated after hours via an override switch. The Tenant
shall pay to the Landlord on a monthly basis $30.00 per hour for such overtime
use.

Landlord and Tenant agree to work cooperatively with one another to arrange and
provide for extra hours of HVAC for the Demised Premises when Tenant requires
such extra hours. Landlord agrees to use its best efforts to provide for such
additional HVAC when Tenant requests. Tenant recognizes that where possible, it
shall notify Landlord of its need for additional HVAC by 3:00 p.m. of the day
for which it is requested and by 3:00 p.m. on the day before the weekend or
holiday if requested for any part of the weekend or holiday. Tenant agrees to
provide Landlord with as much prior notice as possible to avoid those situations
where Landlord may not be available or reachable at 3:00 p.m. of a given day.

         (b) In the event that the Tenant shall install in the Demised Premises
computer or other equipment which in the Landlord's judgment consumes more
electricity than is generally used

                                       11

<PAGE>

for normal office use, or in the event that the Tenant regularly shall use the
Demised Premises for a "second shift" or otherwise during other than regular
hours of the business day, then the Landlord may cause a survey to be made, at
the Tenant's expense, by a qualified independent electrical consultant to
determine the amount of electricity consumed in the Demised Premises, and the
Tenant shall pay to the Landlord on a monthly basis the amount by which the cost
of the electricity consumed in the Demised Premises exceeds the cost of the
electricity used for normal office use as reasonably estimated by the Landlord.
The Tenant shall reimburse the Landlord on demand for all costs and expenses
incurred in connection with such electrical survey.

         (c) The Landlord shall not be liable for failure to furnish any of the
services specified in Section 17 (a) if such failure is due to the breakdown of
the heating, ventilating or air-conditioning plant or the elevators, or any
other service facility of the Building, or in the event the failure to furnish
such services shall be due to strikes or any other cause beyond the Landlord's
control. Anything in this Lease to the contrary notwithstanding, if the stoppage
of services which Landlord is obligated to provide for Tenant causes any portion
of the Demised Premises to become unusable by Tenant for more than ten (10)
consecutive days, then and in that event Tenant shall be entitled to a pro rata
abatement of rent as to such unusable portion of the Demised Premises commencing
with the fourth (4th) day that the same are unusable, provided, however, that
Tenant shall not be entitled to any abatement of rent due to unusability (i)
caused by any act or omission of Tenant or any of Tenant's servants, employees,
agents, visitors, or licensees, or (ii) where Tenant requests Landlord to make a
decoration, alteration, improvement, or addition, or (iii) where the repair in
question or the services in question are those which Tenant is obligated to make
or furnish under any of the provisions of the lease.

         18. ACCESS TO DEMISED PREMISES. (a) During the term of this lease the
Tenant may use and occupy the Demised Premises for the purposes set forth in
Section 5 on such days and hours (regardless of whether they be business days or
regular hours) as it may determine, and the Tenant and its officers, employees,
agents and visitors at all times shall have access to the Demised Premises by
means of doorways, passageways, corridors, stairways, elevators and entrances in
the Building affording access to the Demised Premises, subject, however, to
reasonable Rules and Regulations adopted by the Landlord and otherwise subject
to the obligations of this lease. The Landlord may limit the number of points of
entry to the Building during hours other than regular hours of business days,
provided that reasonably convenient access to all parts of the Demised Premises
shall be provided at all times. The Landlord will provide access cards to the
Tenant for after-hours access to the Demised Premises. The following systems
will be provided for the duration of Tenant's Occupancy:

                  (i)  card-access system for after hours, weekends, and
         holidays;

                  (ii) Sonitrol (or similar vendor) audible monitoring system
         for all perimeter doors; and

                  (iii) Sonitrol (or similar vendor) to provide 24-hour fire
         alarm monitoring.

         (b) The Landlord and the Landlord's agents shall have the right, upon
reasonable notice to Tenant except in the case of an emergency, but not the
obligation, to enter and pass through the Demised Premises or any part or parts
thereof, during business hours and at such other times

                                       12

<PAGE>

as such entry shall be required by circumstances of emergency affecting the
Demised Premises or the remainder of the Building, (i) to examine the Demised
Premises and to show them to any mortgagee, prospective mortgagees or purchasers
of the Building, and (ii) for the purpose of performing such maintenance and
making such repairs or changes in or to the Demised Premises or in or to the
Building or its facilities as may be provided for or permitted by this lease or
as may be mutually agreed upon by the parties or as the Landlord may be required
to make by laws and requirements of public authorities. The Landlord shall be
allowed to take all materials into and upon the Demised Premises that may be
required for such repairs, changes or maintenance provided Landlord proceeds
with diligence to complete the same

         (c) During the period of six (6) months prior to the Expiration Date,
the Landlord, upon reasonable notice to the Tenant, may exhibit the Demised
Premises to prospective tenants.

         19. SAFETY; ADA; DAMAGE OR DESTRUCTION. (a) Emergency lighting,
exiting, and fire safety sufficient to meet state of Connecticut Basic Building
Codes will be provided and the Building will be in full compliance with the
Americans with Disabilities Act (ADA). In the event that the Demised Premises or
any part thereof, or access thereto, shall be damaged or destroyed by fire or
other insured casualty, but the Tenant shall continue to have reasonably
convenient access to the Demised Premises and no portion of the Demised Premises
shall thereby be rendered unfit for use and occupancy by the Tenant for the
purposes set forth in Section 5, the Landlord shall repair such damage or
destruction (except damage or destruction to Tenant's Property or Tenant's
Changes) with reasonable diligence. During the period when such repair work is
being conducted, the Rent shall not be abated or suspended.

         (b) In the event that the Demised Premises or any part thereof, or
access thereto, shall be so damaged or destroyed by fire or other insured
casualty that the Tenant shall not have reasonably convenient access to the
Demised Premises or any portion of the Demised Premises shall thereby be
otherwise rendered unfit for use and occupancy by the Tenant for the purposes
set forth in Section 5, and if in the sole judgment of the Landlord the damage
or destruction may be repaired within one hundred twenty (120) days after the
occurrence of the damage or destruction, then the Landlord shall so notify the
Tenant within thirty (30) days after the occurrence of the damage or destruction
and shall repair such damage or destruction (except damage or destruction to
Tenant's Property with reasonable diligence. In the event that the Landlord
shall not complete such repairs within one hundred twenty (120) days after the
occurrence of the damage or destruction, then the Tenant shall have the right to
terminate the term of this lease by giving written notice of such termination to
the Landlord within fifteen (15) days after the end of such one hundred twenty
(120) day period, provided, however, that in the event that the completion of
repairs shall be delayed by strikes, governmental regulation, zoning laws,
inability to obtain labor or materials, from any other cause beyond the
Landlord's control, or for other good reason, the time for completion shall be
extended by the period of such delay. If in the sole judgment of the Landlord
the Demised Premises, or means of access thereto, cannot be repaired within one
hundred twenty (120) days after the occurrence of the damage or destruction and
the Landlord does not give the Tenant the notice referred to in this Section
19(b), then either party shall have the right to terminate the term of this
lease by giving written notice of such termination to the other party within the
period of thirty (30) to forty-five (45) days after the occurrence of such
damage or destruction. If neither party gives such notice of intention to

                                       13

<PAGE>

terminate the terns of this lease, then the Landlord shall repair the damage or
destruction with reasonable diligence.

         (c) In the event that the Tenant shall not have reasonably convenient
access to the Demised Premises or any portion of the Demised Premises (other
than Tenant's Changes) shall be otherwise rendered unfit for use and occupancy
by the Tenant for the purposes set forth in Section 5 by reason of such damage
or destruction, and if such damage or destruction was not caused by the
negligence or willful act or omission of the Tenant or any of its officers,
employees, contractors, agents or invitees, then the Rent shall be equitably
suspended or abated from the time of damage or destruction until the Landlord
shall have substantially completed the repair of the Demised Premises and the
means of access thereto.

         (d) In addition to and apart from the foregoing provisions of this
Section 19 (i) if Tenant has not elected to renew this Lease as provided in
Paragraph 30 hereof and more than twenty-five percent (25%) of the Gross
Rentable Area of the Demised Premises shall be totally or almost totally damaged
or destroyed by fire or other cause at any time during the last six (6) months
of the term of this lease, either the Landlord or the Tenant may terminate the
term of this lease by giving written notice of such termination to the other
party within ten (10) days after the occurrence of such damage or destruction,
and (ii) if the Building is damaged or destroyed by fire or other cause to such
extent that the cost to repair the damage or destruction, as reasonably
estimated by the Landlord, will be more than twenty-five percent (25%) of the
replacement value of the Building immediately prior to the occurrence of such
damage or destruction, then the Landlord may terminate the term of this lease by
giving written notice of such termination to the Tenant within thirty (30) days
after the occurrence of such damage or destruction.

         (e) No damages, compensation or claim shall be payable by the Landlord
to the Tenant, or any other person, by reason of inconvenience, loss of business
or annoyance arising from any damage or destruction, or any repair thereof, as
is referred to in this Section 19.

         20. CONDEMNATION. (a) If all of the Building, or so much of the
Building or the Demised Premises as is necessary for the Tenant's use and
occupancy of the Demised Premises for the purposes set forth in Section 5, or
for reasonably convenient access to the Demised Premises, shall be taken by
condemnation or in any other manner for any public or quasi-public use and
purpose, then the term of this lease shall forthwith terminate as of the date
title vests in the taking authority and the Rent shall be apportioned as of such
date.

         (b) In addition to and apart from the foregoing provisions of Section
20(a), if more than twenty-five percent (25%) of the Gross Rentable Area of the
Building shall be so taken, then the Landlord may terminate the term of this
lease by giving written notice of such termination within thirty (30) days after
the date title vests in the taking authority.

(c) The Tenant shall have the exclusive right in any proceeding with respect to
any taking referred to in this Section 20 to any award payable for the Tenant's
moving expenses and the then value of the Tenant's property, but the Tenant
shall have no other right to any award for either a total taking or a partial
taking of the Land, the Building or the Demised Premises, including any right
for the contract value of this lease, and any such award shall be retained by
the Landlord as the Landlord's sole property.

                                       14

<PAGE>

         (d) In the event of any taking which does not result in a termination
of the term of this lease, the Rent shall be equitably suspended or abated and
the Landlord, at its expense, shall proceed with reasonable diligence to repair
and restore the remaining part of the Building and the Demised Premises to
substantially its former condition to the extent that the same may be feasible.
Any suspension or abatement of Rent shall cease upon substantial completion of
such repairs or restoration.

         (e) If only a part of the Demised Premises is taken and the remaining
portion thereof is not suitable for the conduct of Tenant's business, Tenant
shall have the right to terminate this Lease.

         (f) Anything herein to the contrary notwithstanding, Tenant shall be
entitled to that portion of the award applicable to Tenant's improvements,
personal property, fixtures and moving expenses. In the event that separate
awards are made by the condemning authority, Tenant shall be entitled to claim,
prove and receive in the condemnation proceedings such awards as may be allowed
for Tenant's improvements, personal property, fixtures and moving expenses.

         21. SURRENDER; TERMINATION. (a) On the Expiration Date, or upon any
earlier termination of the term of this lease, the Tenant shall quit and
surrender the Demised Premises to the Landlord in good order, condition and
repair, wear and tear, obsolescence and damage from the elements, fire and other
casualty excepted. The Tenant shall remove all of the Tenant's Property and, at
the Landlord's request, shall remove those portions of the Tenant's Changes as
shall be designated to be removed and shall repair or pay the cost of repairing
any damage to the Demised Premises or the Building resulting from such removal.
For purposes of this paragraph "Tenant's Changes" shall mean, any changes made
by Tenant to the Demised Premises during the Tenant's occupancy.

         22. DEFAULT AND DAMAGES. (a) Any of the following occurrences or acts
shall constitute an event of default under this lease:

                  (i)  whenever the Tenant shall default in the payment of any
         Rent or any other charge payable by the Tenant to the Landlord, on any
         day upon which the same is due, and such default shall continue for ten
         (10) days ; or

                  (ii) whenever the Tenant shall do, or fail to do, or permit to
         be done, whether by action or inaction, anything contrary to any of the
         Tenant's obligations hereunder, and if such situation shall continue
         and shall not be remedied by the Tenant within thirty (30) days after
         the Landlord shall have given to the Tenant a notice specifying the
         same, or, in the case of a situation which cannot with due diligence be
         cured Within a period of thirty (30) days, if the Tenant shall not (1)
         within such thirty (30) day period, advise the Landlord of the Tenant's
         intention duly to institute all steps necessary to remedy such
         situation, and (2) duly institute within such thirty (30) day period,
         and thereafter diligently prosecute to completion, all steps necessary
         to remedy the same;

                  (iii) whenever the Tenant is dissolved; makes assignment for
         the benefit of creditors; files a voluntary petition in bankruptcy; is
         adjudicated a bankrupt or insolvent;

                                       15

<PAGE>

         files a petition or answer seeking for the Tenant any reorganization,
         arrangement, composition, readjustment, liquidation, dissolution or
         similar relief under any statute, law or regulation; files an answer or
         other pleading admitting or failing to contest material allegations of
         a petition filed against the Tenant in any proceeding of this nature;
         or seeks, consents to, or acquiesces in the appointment of a trustee,
         receiver, or liquidator of the Tenant or of all or any substantial part
         of the Tenant's properties; or

                  (iv) if within sixty (60) days after the commencement of any
         proceeding against the Tenant seeking reorganization, arrangement,
         composition, readjustment, liquidation, dissolution or similar relief
         under any statute, law, or regulation, the proceeding has not been
         dismissed; or if within-sixty (60) days after the appointment without
         the Tenant's consent or acquiescence of a trustee, receiver, or
         liquidator of the Tenant or of all or any substantial part of the
         Tenant's properties, the appointment is not vacated or stayed; or if
         within sixty (60) days after expiration of any such stay, the
         appointment is not vacated.

         (b) If an event of default shall have happened and be continuing, the
Landlord shall have the immediate right at its election (i) to terminate the
term of this lease by giving the Tenant not less than five (5) days written
notice of the Landlord's election to terminate, and (ii) whether or not the
Landlord shall have terminated the term of this lease pursuant to this Section
22(b), and without demand or notice whatever, to reenter and take possession of
the Demised Premises, removing all persons and property therefrom either by
summary process proceedings or by other action, without being liable for any
damages therefor.

(c) If the Landlord elects to reenter and take possession of the Demised
Premises pursuant to Section 22(b), and whether or not the Landlord shall have
terminated the term of this lease pursuant to Section 22(b), the Landlord may
(but shall be under no obligation to) relet the whole or any part of the Demised
Premises on behalf of the Tenant for a period equal to, or greater or less than,
the remainder of the term of this lease, at such rent and upon such terms and
conditions as the landlord shall determine reasonable, to any tenant the
Landlord may consider suitable and for any use or purpose the Landlord may deem
appropriate in the Demised Premises. The Landlord shall not be liable for
failure to relet the Demised Premises, and the Landlord shall be entitled to
receive and retain the rent received upon such reletting, whether or not such
rent is in excess of the Rent.

         (d) If the Landlord elects to reenter and take possession of the
Demised Premises pursuant to Section 22(b), and whether or not the Landlord
shall have terminated the term of this lease pursuant to Section 22(b), or relet
the Demised Premises pursuant to Section 22(c), the Tenant shall pay to the
Landlord, as liquidated damages, within ten (10) days after written demand
therefor, the following sums:

                  (i)  all unpaid Rent, as of the date of such reentry,
         repossession or termination, plus the Fixed Rent and the additional
         rentals and charges from time to time payable under this lease until
         what would have been the end of the term of this lease in the absence
         of such reentry, repossession or termination;

                  (ii) all expenses of maintaining the Demised Premises while
         vacant which are not included in Paragraph 22 (d)(i);

                                       16

<PAGE>

                  (iii) all expenses, including reasonable attorneys' fees,
         incurred by the Landlord in recovering possession of the Demised
         Premises, reletting the same and collecting the Rent;

                  (iv) all costs of repairs and redecoration of the Demised
         Premises made to facilitate the reletting of the Demised Premises; and

                  (v)  all brokerage commissions incurred in the reletting of
         the Demised Premises.

The Landlord shall be entitled to recover the amounts referred to in this
Section 22(d) in one action or at the Landlord's option in several separate
actions, and the Tenant waives the right to assert the rule against bringing
multiple actions for the same cause.

         23. PARKING. During the term of this Lease, the Tenant shall have the
right to use, on a nonexclusive basis and in common with the other tenants or
occupants of the Building, the parking area located on the Land. The Landlord
shall not be in any way liable to the Tenant if the parking capacity of such
parking area is inadequate to accommodate all of the servants, employees,
agents, customers, invitees, licensees and visitors of the Tenant and other
tenants or occupants of the Building who may desire to use the parking area at
any particular time. The Landlord represents that 3.5 spaces per 1000 rentable
square feet will be available for Tenant's employees at no additional cost to
the Tenant for the duration of the Tenant's occupancy.

         24. UNPERFORMED COVENANTS. If the Tenant shall default in the
performance of any of the Tenant's obligations hereunder, the Landlord, without
thereby waiving such default, may, at the Landlord's option, and on reasonable
notice to Tenant, by reason of any default of the Tenant hereunder, perform the
same for the account of the Tenant. If the Landlord makes any expenditures or
incurs any obligations for the payment of money, including attorneys' fees, such
sums paid or obligations incurred shall be paid by the Tenant to the Landlord on
the first day of the second calendar month following the rendition to the Tenant
of the Landlord's bill therefor to the Tenant.

         25. HOLDING OVER. The Tenant shall pay to the Landlord an amount as
Rent equal to one hundred fifty percent (150%) of the base rent the Tenant is
required to pay during the previous Lease Year as herein provided for each month
or portion thereof for which the Tenant shall retain possession of the Demised
Premises, or any part thereof [after the termination of the term of this lease,
whether by lapse of time or otherwise] Without limiting the rights or remedies
of the Landlord resulting by reason of the wrongful holding over by the Tenant,
or creating any right in the Tenant to continue in possession of the Demised
Premises, all of the Tenant's obligations with respect to the use, occupancy and
maintenance of the Demised Premises shall continue during such period of
unlawful retention. Except as specifically provided herein, the provisions of
this Section 25 shall not be deemed to limit or constitute a waiver of any other
rights or remedies of the Landlord provided herein or at law.

         26. CERTAIN RIGHTS RESERVED BY THE LANDLORD. The Landlord shall have
the following rights, each of which the Landlord may exercise with reasonable
notice to the Tenant and without liability to the Tenant for damage or injury to
property, person or business on account of

                                       17

<PAGE>

the exercise thereof, and the exercise of any such rights shall not be deemed to
constitute an eviction or disturbance of the Tenant's use or possession of the
Demised Premises and shall not give rise to any claim for set-off or abatement
of rent or any other claim, provided that the Landlord agrees that in the
exercise of such rights it shall not do or cause to be done anything which is,
in any material respect, inconsistent with the operation of the Building as a
first-class office building and provided, further, nothing in this Section 26
shall be deemed to-exculpate Landlord from its negligence or willful misconduct:

         (a) To change the Building's street address, if required by the U S
Postal Service;

         (b) To install, affix and maintain any and all signs on the exterior
and on the interior of the Building, provided, however, that no other insurance
agency will have any right to a larger or more prominent sign to that of the
Tenant;

(c) To decorate or to make repairs, alterations, additions or improvements,
whether structural or otherwise, in and about the Building, or any part thereof,
and for such purposes to enter upon the Demised Premises, and during the
continuance of any of said work, to close temporarily doors, entrances, public
space and corridors in the Building and to interrupt or temporarily suspend
services or use of facilities, all without affecting any of the Tenant's
obligations hereunder, so long as the Demised Premises are reasonably accessible
and usable and provided that Landlord shall conduct its activities at a time and
in a manner so as to minimize any disruption of or interference with Tenant's
business or access to the Demised Premises;

         (d) To be provided and to retain at all times, and to use in
appropriate instances, keys to all doors within and into the Demised Premises.
The Tenant agrees to change no locks, and not to affix locks on doors without
the prior written consent of the Landlord. Notwithstanding the provisions for
the Landlord's access to Demised Premises, the Tenant relieves and releases the
Landlord of all responsibility arising out of theft, robbery and pilferage. Upon
the expiration of the term of this lease or otherwise upon the Tenant's right to
possession, the Tenant shall return all keys to the Landlord and shall disclose
to the Landlord the combination of any safes, cabinets or vaults left in the
Demised Premises;

         (e) To reasonably designate and approve all window coverings and
lighting fixtures used in the Building to preserve the uniformity of appearance
from the outside;

         (f) To approve the weight, size and location of safes, vaults and other
heavy equipment and articles in and about the Demised Premises and the Building
so as not to exceed the live load per square foot designated by the structural
engineers for the Building, and to require all such items and furniture and
similar items to be moved into or out of the Building and Demised Premises only
at such times and in such manner as the Landlord shall direct in writing. The
Tenant shall not install or operate machinery or any mechanical devices of a
nature not directly related to the Tenant's ordinary use of the Demised Premises
without the prior written consent of the Landlord. The Tenant's movements of
property into or out of the Building or Demised Premises and within the Building
are entirely at the risk and responsibility of the Tenant, and the Landlord
reserves the right to require permits before allowing any property to be moved
into or out of the Building or the Demised Premises;

                                       18

<PAGE>

         (g) To establish from time to time establish uniform controls for all
tenants in the Building for the purpose of regulating all property and packages,
both personal and otherwise, to be moved into or out of the Building and the
Demised Premises and all persons using the Building after normal office hours;

         (h) To regulate delivery and service of supplies in order to insure the
cleanliness and security of the Demised Premises and to avoid congestion of the
loading docks, receiving areas and freight elevators; and

                  (i)  To erect, use and maintain pipes, ducts, wiring and
         conduits, and appurtenances thereto, in and through the walls and
         floors within the Demised Premises at reasonable locations; provided
         that the same are installed at such times and by such methods as will
         not materially interfere with Tenant's use of the Demised Premises or
         damage the appearance thereof or reduce the area of the Demised
         Premises and are concealed behind the walls, floors and/or ceilings of
         the Demised Premises as then constructed.

         27. WAIVER OF NOTICE. The Tenant does hereby waive demand and notice of
every kind and description whatever (except notices of default as provided in
Section 22), including any notice to quit under the statutes relating to summary
process which, were it not for this waiver, might otherwise be necessary in
obtaining possession of the Demised Premises.

         28. NOTICES. Any notice, approval, request, consent, bill, statement or
other communication required or permitted to be given, rendered, served or made
by either party hereto, shall be in writing and shall be sent by certified or
registered United States Mail, postage prepaid, return receipt requested:

         (a) addressed to the Tenant at:

                  Open Solutions Inc.
                  300 Winding Brook Drive
                  Glastonbury, CT

         (b) addressed to the Landlord at:

                  Carl Foster, LLC
                  100 Western Boulevard
                  Glastonbury, CT

Notice shall be deemed to have been duly given upon the seventh day after such
mailing thereof. Either party may, from time to time, by written notice to the
other, designate a different mailing address for notices, bills, statements or
other communications intended for it.

         29. ESTOPPEL CERTIFICATE. The Tenant shall, from time to time, within
thirty (30) days after the Landlord's written request, deliver to the Landlord a
written certificate, in recordable form, ratifying this lease, and stating

         (a) the Commencement Date,

                                       19

<PAGE>

         (b) that this lease is in full force and effect and has not been
assigned, modified, supplemented or amended (except by such writings as shall be
stated),

         (c) that all conditions under this lease to be performed by the
Landlord have been satisfied,

         (d) that there are no defenses or offsets against the enforcement of
this Lease by the Landlord or stating those claimed by the Tenant;

         (e) the amount of advance rental, if any (or none if such is the case),
paid by the tenant,

         (f) the date to which rental has been paid, and provided, however, that
the Tenant shall not be required to make written declarations as to any matters
which to its knowledge are inaccurate or not true. Any such certificate may be
relied upon by any mortgagee of the Land and the Building, any assignee of such
mortgagee, and any prospective purchaser of the Land and the Building.

         30. RENEWAL OPTION. (a) The Tenant will have the right to extend the
term of the lease for three (3) months. Such renewal shall commence on the day
following the expiration date of the initial term of this lease. Such renewal
shall be upon the same terms, conditions and obligations as are applicable to
the initial term of this lease, except that

                  (i)  the Tenant shall pay to the Landlord the additional rent
         pursuant to Section 3 (except that the first full year of the renewal
         term shall be the new Base Year for the purposes of applying Section 3
         to the renewal term), for each Calendar Year or portion thereof which
         commences or occurs during such renewal period; and

                  (ii) the Tenant shall be entitled to no further renewal of
         this lease.

         31. LIMITATION OF LIABILITY. Anything in this lease to the contrary
notwithstanding, the Tenant agrees that it shall look solely to the estate and
property of the Landlord in the Land and Building for the collection of any
judgment (or other judicial process) requiring the payment of money by the
Landlord in the event of any default or breach by the Landlord with respect to
any of the terms, covenants and conditions of this lease to be observed or
performed by the Landlord, and no other assets of the Landlord or of any partner
in the Landlord shall be subject to levy, execution or other procedures for the
satisfaction of the Tenant's remedies.

         32. RIGHTS OF LANDLORD; NONWAIVER. No right or remedy herein conferred
upon or reserved to the Landlord is intended to be exclusive of any other right
or remedy, and every right and remedy shall be cumulative and in addition to any
other right or remedy given hereunder or now or hereafter existing. The failure
of the Landlord to insist upon the strict performance of any provision hereof or
to exercise any option, right, power or remedy contained herein shall not be
construed as a waiver or relinquishment thereof for the future. Receipt by the
Landlord of any Fixed Rent, any additional rent or any other sum payable
hereunder with knowledge of the breach of any provision hereof shall not be
deemed a waiver of such breach, and no waiver by the Landlord of any provision
hereof shall be deemed to have been made unless expressed in writing and signed
by the Landlord. In addition to other remedies provided herein, the Landlord
shall be entitled, to the extent not prohibited by law, to injunctive relief in
case of the violation,

                                       20

<PAGE>

or attempted or threatened violation, of any of the provisions hereof, or to a
decree compelling performance of any of the provisions hereof, or to any other
remedy allowed to the Landlord by law.

         33. BROKER. The Tenant represents that no broker or agent participated
with the Tenant in this transaction. The Tenant agrees to indemnify and hold the
Landlord harmless from and against loss arising out of the inaccuracy of such
representation.

         34. NOTICE OF LEASE. (a) This lease shall not be recorded in the
Glastonbury Land Records. Upon the request of either party, the other party
shall execute a Notice of Lease, in recordable form, satisfying the requirements
of Section 47-19 of the Connecticut General Statutes, Rev. 1958, as amended.

         (b) The parties shall also enter into recordable supplementary notices
setting forth, among other proper matters, such items as the termination of this
lease and the exercise of any options afforded by this lease.

         35. PRIOR AGREEMENTS. This lease constitutes the entire agreement by
and between the parties hereto affecting the Demised Premises and supersedes any
and all previous agreements, written or oral, between the parties and affecting
the Demised Premises.

         36. CAPTIONS; SECTIONS; GENDER. The captions contained herein have been
inserted for convenience only and shall not have the effect of modifying,
amending or changing the express terms and provisions of this lease. All
references to a "Section" shall refer to a Section of this lease unless the
context otherwise requires. Whenever used, the singular number shall include the
plural, the plural the singular, and use of any gender shall include all
genders.

         37. BENEFIT AND BURDEN. The covenants, conditions, agreements and terms
of this lease shall be binding upon and shall inure to the benefit of the
parties hereto and their successors and permitted assigns.

         38. EXHIBITS. All Exhibits referred to herein are intended to be and
hereby are specifically made a part of this lease.

         39. APPLICABLE LAW. This lease shall be governed by and construed in
accordance with the laws of the state of Connecticut.

                                       21

<PAGE>

         IN WITNESS WHEREOF, the Landlord and the Tenant have hereunto caused to
be set their hands and seals as of the day and year first above written.

WITNESSES:                                          LANDLORD:
                                                    CARL FOSTER, LLC

 /s/ illegible                                      By: /s/ Carl Foster
-------------------------------                         ------------------------
                                                    Its Member
 /s/ Susan Smith                                    Hereto Duly Authorized
-------------------------------
                                                    TENANT:
                                                    Open Solutions Inc.

 /s/ Lauren S. Wright                               By: /s/ Louis Hernandez, Jr.
-------------------------------                         ------------------------
     HR Director 2-28-00                            Title:  President
                                                    Hereto Duly Authorized

 /s/ Barbara C. Dagenais
-------------------------------
     Off. Mgr/Fac. Mgmt 2-28-00

EXHIBIT B

A certain piece of parcel of land with the buildings and improvements thereon
being shown and designated at Lot 1 on a certain map or plan entitled "Sockeye
Salmon Office Building Subdivision Map Glastonbury, CT . Luchs & Beckerman Civil
Engineers - Planners - Land Surveyors Glastonbury, Conn A-83-28-S Scale 1" --
40' Date 5-18-83 Rev. 6-3-83, Rev. 8-18-83, Rev. 10-23-83" which map is on
particularly bounded and described as follows:

         Beginning at a point on the easterly line of Western Boulevard which
         point marks the intersection of the northerly line of Citizens Drive
         and the easterly line of Western Boulevard, thence N 11(degree) 48' 49"
         W a distance of seventy-two and fifteen one-hundredths (72.15) feet to
         a broken Glastonbury Highway Monument; thence N 10(degree) 00' 40" W a
         distance of one hundred eighty and no one-hundredth (180.00) feet to a
         Glastonbury Highway Monument; thence continuing along a curve to the
         left having a radius of two hundred eighty and no
         one-hundredths(280.00) feet a distance of sixty-five and forty-two
         one-hundredths (65.42) feet to a point; thence S 79(degree) 59' 20" W a
         distance of eighteen and sixty-eight one-hundredths (18.68) feet to a
         point; thence continuing with a curve to the left having a radius of
         five hundred thirty and no one-hundredths (530.00) feet a distance of
         two hundred six and thirty-one one-hundredths (206.31) feet to an iron
         pin, the last five (5) courses being along Western Boulevard; thence N
         50(degree) 32' 45" E along land now or formerly of Glastonbury Park
         Associates, a distance of one hundred sixty-nine and seventy- two
         one-hundredths (169.72) feet to an iron pin; thence S 9(degree) 26' 53"
         E a distance of one hundred twenty-eight and no one-hundredths (128.00)
         feet to an iron pin; thence S 53(degree) 53' 20" E a distance of three
         hundred sixty-six and no one-hundredths (366.00) feet to an iron pin,
         the last two (2) courses being along land now or formerly of Charles
         Paul DiFazio, Trustee; thence S 7(degree) 23' 40" W along land now or
         formerly of C.D.R. Realty Associates, a distance of one hundred
         eighty-one and no one-hundredths (181.00) feet to an iron pin on the
         northerly line of Citizens Drive; thence S 76(degree) 07' 30" W along
         Citizens Drive a distance of two hundred seventeen and seventy-eight
         [one-hundredths] (217.78) feet to the point or place of beginning.

                                       22

<PAGE>

                               AMENDMENT OF LEASE

             BY AND BETWEEN CARL FOSTER, LLC AND OPEN SOLUTIONS INC.

         THIS AGREEMENT made this 8th day of May, 2000, between Carl Foster,
LLC, a Connecticut Limited Liability Company having an office at 100 Western
Boulevard, Glastonbury, Connecticut (the "Landlord"), and Open Solutions Inc., a
Connecticut Corporation having an office at 300 Winding Brook Drive,
Glastonbury, Connecticut (the "Tenant").

                                   WITNESSETH

         WHEREAS, Carl Foster, LLC as LESSOR on the 14th day of February, 2000,
executed and delivered unto Open Solutions Inc., as LESSEE, a Lease of the
premises situated at 100 Western Boulevard, Glastonbury, Connecticut 06033, more
particularly described in said Lease (Exhibit A attached) and

         WHEREAS, Carl Foster, LLC, as LESSOR, and Open Solutions Inc. As
LESSEE, hereby are desirous to amend said lease.

         NOW, THEREFORE, the said Lessor, in consideration of the sum of ONE
DOLLAR ($1.00) paid by the LESSEE and in further consideration of the covenants
to the said AMENDMENT hereinafter contained, does hereby amend said Lease as
follows:

         1.       Paragraph 1(a) is hereby amended to read:

         1. Demise; Premises; Term. (a) The Landlord hereby demises and leases
         to the Tenant, and the Tenant hereby takes and hires from the Landlord,
         for the term hereinafter stated, for the rent hereinafter reserved, and
         upon and subject to the Covenants, agreements, terms, conditions,
         limitations, exceptions and reservations of this lease, the following
         two areas: (1) the north wing of the first floor of the building
         comprising Four Thousand Twenty (4,020) square feet of Gross Rentable
         Area (as defined in Section 2 (f) (the "Demised Premises"),
         (hereinafter referred to as "North Wing First Floor"), and (2) the
         south wing of the second floor of the building comprising Eight
         Thousand One Hundred Sixty-Four (8,164) square feet (now occupied by
         Right Management Consultants, Inc.) of Gross Rentable Area (as defined
         in Section 2 (f) (the "Demised Premises"), (hereinafter referred to as
         "South Wing Second Floor")

         2.       Paragraph 1(c) is hereby amended to read:

         (c) The term of this lease for the North Wing First Floor is sixty-five
         months and the estate hereby granted (collectively the "term of this
         lease") shall commence on March 1, 2000 (the "Commencement Date") and
         shall end on July 31, 2005, which ending date, unless the context
         otherwise requires, is hereinafter called the "Expiration Date," or
         shall end on such earlier date upon which the term may expire or be
         terminated pursuant to any of the provisions of this lease pursuant to
         law.

         c) The term of this lease for the South Wing Second Floor is sixty
         months and the estate hereby granted (collectively the "term of this
         lease") shall commence on August 1, 2000

<PAGE>

         (the "Commencement Date") and shall end on July 31, 2005, which ending
         date, unless the context otherwise requires, is hereinafter called the
         "Expiration Date," or shall end on such earlier date upon which the
         term may expire or be terminated pursuant to any of the provisions of
         this lease pursuant to law.

         3.       Paragraph 2(a)(i) is hereby amended to read:

         Rent; Security Deposit. (a) The rent (the "Rent") for the term hereof
         shall commence to accrue for the North Wing First Floor on March 1,
         2000 and for the South Wing Second Floor on August 1, 2000. Rent shall
         be and consist of:

         (i) an annual fixed rent in the amount of Seventy Eight Thousand Three
         Hundred Ninety Dollars ($78,390.00) or $19.50 per rentable square foot
         for the North Wing First Floor and an annual fixed rent in the amount
         of One Hundred and Fifty-Nine Thousand One Hundred Ninety-Eight Dollars
         ($159,198.00) or $19.50 per rentable square foot for the South Wing
         Second Floor; together with

         4.       Paragraph 2(c) is hereby amended to read:

         The annual Fixed Rent for each lease year shall be payable in equal
         monthly installments of Six Thousand Five Hundred Thirty-Two and 50/100
         ($6,532.50) for the North Wing First Floor and Thirteen Thousand Two
         Hundred Sixty-Six and 50/100 ($13,266.50) for the South Wing Second
         Floor in advance on the first day of each and every calendar month
         during each lease year.

         5.       Paragraph 2(f) is hereby amended to read:

         As used herein, the term "Gross Rentable Area of the Demised Premises"
         shall mean Four Thousand Twenty (4,020) square feet for the North Wing
         First Floor and Eight Thousand One Hundred and Sixty-Four (8,164)
         square feet for South Wing Second Floor, for a total of Twelve Thousand
         One Hundred and Eighty-Four (12,184) square feet.

         6.       Paragraph 30. Renewal Option is hereby amended as follows:

         This paragraph is hereby deleted in its entirety and its contents are
         null and void.

         7.       All other terms and conditions of said lease are hereby
         reaffirmed and shall remain in full force and effect.

         8.       It is hereby agreed and understood that the space known as
         South Wing Second Floor is currently occupied by Right Management
         Consultants, Inc.. If said Right Management Consultants, Inc shall fail
         to vacate the premise on or before July 31, 2000 thereby preventing
         Lessor from providing Lessee possession of South Wing Second Floor,
         Tenant shall be entitled to an abatement of the rent due to Lessor for
         that portion of the rent attributable to the South Wing Second Floor
         for that period of time during which Lessor is unable to provide
         occupancy as liquidated damages.

<PAGE>

         IN WITNESS WHEREOF, the Landlord and the Tenant have hereunto caused to
be set their hands and seals as of the day and year first above written.

WITNESSES:                                       LANDLORD:
                                                 Carl Foster, LLC

 /s/ Carolyn B. Canapari                         By: /s/ Carl Foster
-------------------------------                     ----------------------------
                                                 Carl Foster, Its Member
                                                 Hereunto Duly Authorized
 /s/ Susan Smith
-------------------------------

 /s/ illegible                                   TENANT:
-------------------------------                  Open Solutions Inc.

 /s/ Debra D. Rooney                             By: /s/ John S. Wieczorek
-------------------------------                      ---------------------------
                                                 Name: John S. Wieczorek
                                                 Title: VP, CFO
                                                 Hereunto Duly Authorized

<PAGE>

                           SECOND AMENDMENT TO LEASE

      THIS AGREEMENT made this 30th day of November, 2004, by and between CARL
FOSTER, LLC, a Connecticut limited liability company having an office at 100
Western Boulevard, Glastonbury, Connecticut (hereinafter referred to as
"Landlord") and OPEN SOLUTIONS, INC., a Connecticut corporation having an office
at 300 Winding Brook Drive, Glastonbury, Connecticut (hereinafter referred to as
"Tenant"):

                             W I T N E S S E T H:

      WHEREAS, Landlord entered into a lease with Tenant dated February 14,
2000, for the period from March 1, 2000, to July 31, 2000, relating to certain
premises known as 100 Western Boulevard, Glastonbury, Connecticut, a copy of
which is attached hereto as Exhibit A (the "Lease"); and

      WHEREAS, Landlord and Tenant entered into an amendment to lease dated May
8, 2000, a copy of which is attached hereto as Exhibit B; and

      WHEREAS, Landlord and Tenant wish to further modify the term of the
Lease as amended;

      NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt of which is hereby acknowledged, the parties
hereto covenant and agree as follows:

      Paragraph 1(c) of the Lease as amended shall be deleted in its entirety
and the following substituted in its place:

      (c) The term of this lease for the North Wing First Floor is sixty-five
      months and the estate hereby granted (collectively the "term of this
      lease") shall commence on March 1, 2000 (the "Commencement Date") and
      shall end on July 31, 2005, which ending date, unless the context
      otherwise requires, is hereinafter called the "Expiration Date," or shall
      end on such earlier date upon which the term may expire or be terminated
      pursuant to any of the provisions of this lease pursuant to law.

      The term of this lease for the South Wing Second Floor is fifty-six months
      and the estate hereby granted (collectively the "term of this lease")
      shall commence on August 1, 2000 (the "Commencement Date") and shall end
      on March 31, 2005, which ending date, unless the context otherwise
      requires, is hereinafter called the "Expiration Date," or shall end on
      such earlier date upon which the term may expire or be terminated pursuant
      to any of the provisions of this lease pursuant to law.

<PAGE>

      In all other respects each and every term and condition of the Lease as
amended is hereby ratified and confirmed.

      IN WITNESS WHEREOF, the parties hereto have duly executed or caused these
presents to be executed the day and year first above written.

Signed, Sealed and Delivered in the presence of:

                                            LANDLORD
                                            CARL FOSTER, LLC

/s/ James Foster                            By /s/ Carl Foster
------------------------------                 ---------------
                                                 Carl Foster, Its Member
                                                 Hereunto Duly Authorized

/s/ Terrence G. Griswold
------------------------------

                                            TENANT
                                            OPEN SOLUTIONS INC.

/s/ Thomas N. Tartaro                       By /s/ Carl D. Blandino
------------------------------                 --------------------
                                                 Carl D. Blandino
                                                 Its SVP & CFO
                                                 Duly Authorized

/s/ David Henderson
------------------------------

                                       2
<PAGE>

STATE OF CONNECTICUT          }
                              } ss. Glastonbury                November   , 2004
COUNTY OF HARTFORD            }

      Personally appeared Carl Foster, Member of Carl Foster, LLC, signer of the
foregoing instrument and acknowledged the same to be his free act and deed as
Member and the free act and deed of said limited liability company, before me.

                                          /s/ Roberta R. O'Brien
                                          ------------------------
   Roberta R. O'Brien
       Notary Public                      Commissioner of the Superior Court
   State of Connecticut                   Notary Public
  My comm. exp. 8-31-08                   My Commission Expires:

STATE OF CONNECTICUT          }
                              } ss. Glastonbury              November 30, 2004
COUNTY OF HARTFORD            }

      Personally appeared Carl D. Blandino, SVP & CFO of Open Solutions Inc.,
signer of the foregoing instrument and acknowledged the same to be his free act
and deed as SVP & CFO and the free act and deed of said corporation, before me.

                                    /s/ Peggy Olko
                                    ------------------------------------
                                    Notary Public
                                    My Commission Expires:  5/31/07

                                       3
<PAGE>

                            THIRD AMENDMENT TO LEASE

      THIS AGREEMENT made this 16th day of December, 2004, by and between CARL
FOSTER, LLC, a Connecticut limited liability company having an office at 100
Western Boulevard, Glastonbury, Connecticut (hereinafter referred to as
"Landlord") and OPEN SOLUTIONS, INC., a Connecticut corporation having an office
at 300 Winding Brook Drive, Glastonbury, Connecticut (hereinafter referred to as
"Tenant"):

                             W I T N E S S E T H:

      WHEREAS, Landlord entered into a lease with Tenant dated February 14,
2000, for the period from March 1, 2000, to July 31, 2000, relating to certain
premises known as 100 Western Boulevard, Glastonbury, Connecticut, a copy of
which is attached hereto as Exhibit A (the "Lease"); and

      WHEREAS, Landlord and Tenant entered into an amendment to lease dated May
8, 2000, a copy of which is attached hereto as Exhibit B; and

      WHEREAS, Landlord and Tenant entered into a second amendment to lease
dated November 30, 2004, a copy of which is attached hereto as Exhibit C; and

      WHEREAS, Landlord and Tenant wish to further modify the term of the
Lease as amended;

      NOW, THEREFORE, in consideration of the premises and other good and
valuable consideration, the receipt of which is hereby acknowledged, the parties
hereto covenant and agree as follows:

      Paragraph 1(c) of the Lease as amended shall be deleted in its entirety
and the following substituted in its place:

      (c) The term of this lease for the North Wing First Floor is sixty-one
      months and the estate hereby granted (collectively the "term of this
      lease") shall commence on March 1, 2000 (the "Commencement Date") and
      shall end on March 31, 2005, which ending date, unless the context
      otherwise requires, is hereinafter called the "Expiration Date," or shall
      end on such earlier date upon which the term may expire or be terminated
      pursuant to any of the provisions of this lease pursuant to law.

      The term of this lease for the South Wing Second Floor is fifty-six months
      and the estate hereby granted (collectively the "term of this lease")
      shall commence on August 1, 2000 (the "Commencement Date") and shall end
      on March 31, 2005, which ending date, unless the context otherwise
      requires, is hereinafter called the "Expiration Date," or shall end on
      such earlier date upon which the term may expire or be terminated pursuant
      to any of the provisions of this lease pursuant to law.

<PAGE>

      This third amendment to lease, and the early termination of the lease with
respect to the North Wing First Floor, shall be conditioned upon the Landlord
entering into a lease agreement with the First National Bank of Arizona for said
premises prior to March 31, 2005.

      In all other respects each and every term and condition of the Lease as
amended is hereby ratified and confirmed.

      IN WITNESS WHEREOF, the parties hereto have duly executed or caused these
presents to be executed the day and year first above written.

Signed, Sealed and Delivered in the presence of:

                                         LANDLORD
                                         CARL FOSTER, LLC

/s/ Winifred A. Davis                    By /s/ Carl Foster
------------------------------              ---------------
                                               Carl Foster, Its Member
                                               Hereunto Duly Authorized

/s/ Rebecca Wright
------------------------------

                                         TENANT
                                         OPEN SOLUTIONS, INC.

/s/ Kelly Norris                         By /s/ Carl D. Blandino
------------------------------              --------------------
                                              Carl D. Blandino
                                              Its S.V.P. and C.F.O.
                                              Duly Authorized

/s/ David Henderson
-----------------------------

                                       2
<PAGE>

STATE OF CONNECTICUT          }
                              } ss. Glastonbury              December 16, 2004
COUNTY OF HARTFORD            }

      Personally appeared Carl Foster, Member of Carl Foster, LLC, signer of the
foregoing instrument and acknowledged the same to be his free act and deed as
Member and the free act and deed of said limited liability company, before me.

                                          /s/ Roberta R. O'Brien
                                          ------------------------------
   Roberta R. O'Brien
       Notary Public
   State of Connecticut                   Notary Public
  My comm. exp. 8-31-08                   My Commission Expires:

STATE OF CONNECTICUT          }
                              } ss.                          December 16, 2004
COUNTY OF HARTFORD            }

      Personally appeared Carl D. Blandino, SVP + CFO of Open Soluntions, Inc.,
signer of the foregoing instrument and acknowledged the same to be his free act
and deed as SVP + CFO and the free act and deed of said corporation, before me.

                                    /s/ Peggy Olko
                                    ------------------------------------
                                    Notary Public
                                    My Commission Expires: 5-31-07

                                       3

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