Document:

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                                                                   Exhibit 10.48

                             SHAREHOLDERS AGREEMENT
                             ----------------------

          This Shareholders Agreement is entered into as of December 19, 2000,
by and among United Western Grocers, Inc. ("UWG"), C&K Market, Inc. (the
"Company") and the shareholders of the Company listed on the signature page
hereof ("Shareholders").

                                    RECITALS
                                    --------

          A. UWG has agreed to purchase $8 million of preferred stock of the
Company (the "Shares") on condition that the Shareholders enter into certain
agreements for the benefit of UWG.

          B. The Shareholders have determined that it is in their best interests
that UWG make an investment in the Company and that the agreements by
shareholders contained herein be given as an inducement to UWG to purchase the
Shares.

                                   AGREEMENT
                                   ---------

          NOW THEREFORE, in consideration of the mutual covenants herein
contained and the investment by UWG in the Shares of the Company, the parties
hereto agree as follows:

      1.  Put Rights.
          ----------

          1.1 Obligations of the Company to Purchase. At any time (i) the
              --------------------------------------
Company fails to comply with the mandatory redemption or dividend payment
provisions of the Shares, or (ii) if it is determined that any of the
representations or warranties made by the Company in the Preferred Stock
Purchase Agreement were not true and correct as of the Closing Date in material
respects, or (iii) the Company is in material breach of the Supply Agreement, or
(iv) the Company defaults under any agreement relating to any financial support
provided by UWG to the Company, and such default continues for thirty (30)
calendar days after written notice of such default is given to the Company and
the Shareholders by UWG, UWG may require the Company to purchase any or all
Shares which UWG may then hold (the "Put Shares") at the Redemption Price by
                                     ----------
delivering to the Company a written notice of exercise of the right created by
this Section 1.1.

          1.2 Obligations of Shareholders. If for any reason the Company is
              ---------------------------
unable to consummate the purchase of the Put Shares as contemplated by Section
1.1, or is not permitted to purchase the Put Shares by the terms of the
Company's loan agreements with GECC, then the obligation to purchase the Put
Shares shall be the joint and several obligation of the Shareholders; provided
that the Shareholders other

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than those Shareholders denoted as "Controlling Shareholders" on the signature
pages hereto (the "Controlling Shareholders") shall be obligated only for an
amount equal to said Shareholder's Proportionate Share (as defined in Section
1.5) of the obligation to purchase the Put Shares, which obligation is secured
by the pledge of said Shareholders' shares as provided in Section 2; the
liability of each such Shareholder shall be limited to UWG's rights in such
shares as collateral and said Shareholders shall have no personal liability in
excess of their obligation as represented by the pledged collateral.

          1.3 Put Closing. The closing of any purchase pursuant to this Section
              -----------
1 shall be held at the principal executive office of the Company at 10:00 a.m.
local time on the thirtieth (30th) day after the exercise of the put by UWG or
at such other time and place as the parties to the transaction may mutually
agree upon (the "Put Closing"). At the Put Closing, UWG shall deliver a
certificate or certificates representing the Put Shares being purchased duly
endorsed for transfer on the books of the Company. The Put Shares shall be free
and clear of any and all liens, claims, options, charges, encumbrances or rights
of others (other than pursuant to this Shareholders Agreement). At the Put
Closing, the Company (or Shareholders as provided in Subsection 1.2) shall
deliver a cashier's or certified check or wire transfer in the amount of the
Redemption Price. In addition, all parties to the transaction shall execute such
other documents and perform such other acts as are otherwise required or
necessary and appropriate to effectuate the purchase of the Put Shares.

          1.4 Company Sale. In the event the Put is exercised and a Company Sale
              ------------
occurs within 15 months of the Put Closing, then the Company shall pay to UWG,
within 30 days of the Company Sale, by cashiers check, certified check or wire
transfer, an amount (if any) which is equal to the amount that the Redemption
Price received by UWG is less than the value of Common Stock into which the
Shares, if outstanding on the date of the Company Sale, could have been
converted immediately prior to the closing of the Company Sale, as determined by
the fair market value of the consideration received in the Company Sale.

          1.5 Contribution. In the event that any Controlling Shareholder is
              ------------
required to make any payment pursuant to this Section 1 which causes such
Controlling Shareholder to pay more than such Controlling Shareholder's
Proportionate Share of the put obligation (an "Excess Payment Shareholder") then
each other Controlling Shareholder ("Other Shareholder") agrees to pay to the
Excess Payment Shareholder the Other Shareholder's Pro Rata Share of the excess
payment promptly upon demand by the Excess Payment Shareholder. For purposes of
this Section 1, (i) Proportionate Share shall be equal to the percentage of the
outstanding

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Shares held by the Shareholder (or Controlling Shareholder, as the case may be)
and (ii) Pro Rata Share shall be determined by adding the Proportionate Shares
of the Other Shareholders and determining the percentage that the Proportionate
Share of each Other Shareholder bears to the total.

      2.  Security for Put Rights.
          -----------------------

          2.1 As security for the Shareholders' obligations pursuant to Section
1 (the "Obligations") each Shareholder (herein in Section 2, a "Pledgor") agrees
to pledge all shares of the Company beneficially owned by them to UWG (herein in
Section 2, a "Pledgee") as collateral for the Obligations.

          Pledgor hereby delivers, pledges and grants a continuing security
interest to Pledgee in all of his or her present and future holdings of common
shares of the Company, together with all proceeds, replacements, substitutions,
newly issued shares, shares received by reason of a stock split, bonus or any
other form of issue, dividend or distribution with respect to or arising from
the shares (collectively, the "Collateral").  Pledgor acknowledges that the
Collateral is currently held by General Electric Capital Corporation ("GECC")
pursuant to a pledge agreement ("GECC Pledge Agreement") and is subject to the
prior rights of GECC pursuant to its pledge agreement and that upon termination
of the GECC Pledge Agreement GECC is authorized to forthwith deliver the
Collateral, together with duly executed stock powers in form and substance
satisfactory to Pledgee, to Pledgee.  Until such delivery, GECC shall be deemed
to hold the Collateral as bailee for Pledgee, subject to the prior rights of
GECC pursuant to the GECC Pledge Agreement.  Attached hereto as Exhibit A is a
                                                                ---------
listing of the Collateral as it exists as of the date hereof.

          2.2 Representations And Warranties Regarding The Collateral. Pledgor
              -------------------------------------------------------
represents and warrants that: (i) all of the shares described in paragraph 1
hereinabove are fully paid, non-assessable and validly issued; (ii) the
Collateral was not issued in violation of any person's or entity's preemptive
rights; (iii) the Collateral is owned free and clear of any and all security
interests, pledges, options to purchase or sell, redemptions or liens except (i)
the prior lien in favor of GECC and (ii) the Company's obligations to repurchase
shares of the Company's common stock pursuant to the Company's Stock Purchase
Plan I; (iv) Pledgor has full power to convey the Collateral; and (v) no
financing statements covering the Collateral are recorded with any cognizant
state official or recording office.

          2.3 Events Of Default. The occurrence of any of the following shall,
              -----------------
at the election of Pledgee, constitute an event of default ("Event of Default")
under this Section 2:

              (a) The Company and the Shareholders shall fail to pay to Pledgee
     when due any amount owing by the Company or Shareholders to

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     Pledgee pursuant to Section 1 above, and such failure continues for five
     (5) calendar days after written notice of failure to pay is given to the
     Company and Pledgors by the Pledgee; or

              (b) The Company shall admit in writing its inability to pay its
     debts generally as they come due or shall become insolvent as that term is
     defined in the Federal Bankruptcy Code, or the Company shall file any
     petition or action for relief under any bankruptcy, arrangement,
     reorganization, insolvency or moratorium law, or any other law or laws for
     the relief of or relating to debtors, or shall, with respect to any
     involuntary petition or action for relief under such law or laws, consent
     or fail to timely object to the relief requested in such petition or
     action; or an involuntary petition shall be filed under any bankruptcy or
     insolvency laws against the Company, or a receiver, trustee, custodian, or
     similar officer of the court shall be appointed to take possession of all
     or any substantial part of the Company's properties.

          2.4 Voting Rights. During the term of this Agreement, so long as there
              -------------
shall not occur any Event of Default, Pledgors shall have the right to vote the
Collateral on all corporate questions for all purposes not inconsistent with the
terms of this Agreement. Upon the occurrence of an Event of Default, Pledgee
shall thereafter have, at its discretion, the option to exercise all voting
powers and other corporate rights pertaining to the Collateral, and Pledgor
hereby grants Pledgee an irrevocable proxy, coupled with an interest, to vote
the Collateral as aforesaid. Pledgee may, upon or at any time after the
occurrence of an Event of Default, at its option, transfer or register the
Collateral or any part thereof into its own or its nominee's name.

          2.5 Stock Adjustments And Dividends. If during the term of this
              -------------------------------
Agreement, any stock dividend, reclassification, readjustment or other change is
declared or made in the capital structure of the Company or any option included
within the Collateral is exercised, or both, all new, substituted and additional
shares, or other securities, issued to Pledgor by reason of any such change or
exercise shall be delivered to and held by Pledgee under the terms of this
Agreement in the same manner as the Collateral originally pledged hereunder. If
during the term of this Agreement, any dividend or other distribution is made on
account of the Collateral, Pledgor shall immediately deliver all such dividends
or other distributions to Pledgee in the same form received and in the same
manner as the Collateral pledged hereunder.

          2.6 Warrants And Rights. If during the term of this Agreement,
              -------------------
subscription warrants or any other rights or options shall be issued in
connection with the Collateral, such warrants, rights and options shall be
immediately assigned by Pledgor to Pledgee to be held under the terms of this
Agreement in the same manner as the Collateral originally pledged hereunder.

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          2.7 Remedies Upon Default. In addition to the other remedies available
              ---------------------
under applicable law, upon and after the occurrence of an Event of Default, and
subject to the prior rights to GECC with respect to the Collateral,

              (a)  The Pledgee may:

                   (i) Exercise in respect of the Collateral, any one or more of
          the rights and remedies available under the California Uniform
          Commercial Code and other applicable law; or

                   (ii) Sell or otherwise assign, give an option or options to
          purchase or dispose of and deliver the Collateral (or contract to do
          so), or any part thereof, in one or more parcels at public or private
          sale or sales, at any exchange, broker's board or at any of the
          Pledgee's offices or elsewhere upon such terms and conditions as it
          may deem advisable and at such prices as it may deem best, for cash,
          on credit or for future delivery without assumption of any credit
          risk, free of any claim or right of whatsoever kind (including any
          right or equity of redemption) of Pledgor, which claim, right and
          equity are hereby expressly waived and released. Pledgee shall have
          the right to the extent permitted by applicable law, upon any such
          sale or sales, public or private, to purchase the whole or any part of
          the Collateral so sold; provided, however, Pledgor shall not receive
                                  -----------------
          any net proceeds, if any, of any such credit sale or future delivery
          until cash proceeds are actually received by Pledgee (which cash
          proceeds shall be applied by Pledgee to the obligations) and after all
          Obligations have been paid in full. In case of any sale of all or any
          part of the Collateral on credit or for future delivery, the
          Collateral so sold may be retained by Pledgee until the selling price
          is paid by the purchaser thereof, but Pledgee shall incur no liability
          in case of the failure of such purchaser to pay for the Collateral so
          sold and, in case of such failure, the Collateral may again be sold as
          herein provided.

              (b) Any notice required to be given by Pledgee of a sale of the
     Collateral, or any part thereof, or of any other intended action by
     Pledgee, which occurs not less than twenty (20) days prior to such proposed
     action, shall constitute commercially reasonable and fair notice to Pledgor
     thereof. No notification need be given to the Pledgor if it has signed,
     after the occurrence of an Event of Default, a statement renouncing or
     modifying any right to notification of sale or other intended disposition.

              (c) Pledgee shall not be obligated to make any sale or other
     disposition of the Collateral, or any part thereof unless the terms thereof
     shall, in its sole discretion, be satisfactory to it. Pledgee may, if it
     deems it reasonable, postpone or adjourn the sale of any of the Collateral,
     or any part thereof,

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     from time to time by an announcement at the time and place of such sale or
     by announcement at the time and place of such postponed or adjourned sale,
     without being required to give a new notice of sale. Pledgor agrees that
     Pledgee has no obligations to preserve rights against prior parties to the
     Collateral.

              (d) Pledgor acknowledges and agrees that Pledgee may comply with
     limitations or restrictions in connection with any sale of the Collateral
     in order to avoid any violation of applicable law or in order to obtain any
     required approval of the sale or of the purchase thereof by any
     governmental regulatory authority or official and, without limiting the
     generality of the foregoing, Pledgor acknowledges and agrees that Pledgee
     may be unable to effect a public sale of any or all the Collateral by
     reason of certain prohibitions contained in the federal securities laws and
     applicable state securities laws, but may be compelled to resort to one or
     more private sales thereof to a restricted group of purchasers who will be
     obliged to agree, among other things, to acquire such securities for their
     own account for investment and not with a view to the distribution or
     resale thereof. Pledgor acknowledges and agrees that any such private sale
     may result in prices and other terms less favorable to the seller than if
     such sale were a public sale. Notwithstanding any such circumstances,
     Pledgor acknowledges and agrees that such compliance shall not result in
     any such private sale for such reason alone being deemed to have been made
     in a commercially unreasonable manner. Pledgee shall not be liable or
     accountable to Pledgor for any discount allowed by reason of the fact that
     the Collateral is sold in compliance with any such limitation or
     restriction. Pledgee shall not be under any obligation to delay a sale of
     any of the Collateral for the period of time necessary to permit the issuer
     of such securities to register such securities for public sale under the
     federal securities laws, or under applicable state securities laws, even if
     the issuer desires, requests or would agree to do so.

              (e) Any cash held by Pledgee as Collateral and all cash proceeds
     received by the Pledgee in respect of any sale of, collection from, or
     other realization upon all or any part of the Collateral may, in the
     discretion of the Pledgee, be held by Pledgee as Collateral for the
     Obligations and/or then or at any time thereafter applied, without any
     marshalling of rights, remedies or assets, and after payment of any amounts
     payable to Pledgee hereunder and, after deducting all reasonable costs and
     expenses of every kind in connection with the care, safekeeping,
     collection, sale, delivery or otherwise of any or all of the Collateral or
     in any way relating to the rights of Pledgee hereunder (including
     attorneys' fees and disbursements), to the payment of reduction of the
     obligations. Any surplus of such cash or cash proceeds held by Pledgee and
     remaining after payment in full of all the obligations shall be paid over
     to Pledgor or to whomsoever may be lawfully entitled to receive such
     surplus.

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          2.8 Suretyship Acknowledgments, Agreements and Waivers. Pledgor
              --------------------------------------------------
acknowledges that, by pledging to Pledgee and granting Pledgee a security
interest in the Collateral pursuant to this Agreement as collateral security for
the Obligations of the Shareholders, Pledgor is deemed to be a surety of such
Obligations under applicable California law. As such, Pledgor has various
applicable or potentially applicable suretyship rights and defenses to the
enforcement of this Agreement under California law. It is Pledgor's intention in
executing this Agreement to waive any and all of such rights and remedies to the
fullest extent permitted by California law. In this regard, and without limiting
the generality of the foregoing, Pledgor hereby agrees as follows:

              (a) Independent Obligations; Subrogation. The obligations of
                  ------------------------------------
     Pledgor hereunder are independent of and separate from the obligations of
     the Company and of any other guarantor, maker or endorser of the
     Obligations and shall not be reduced by, but shall survive as if the same
     had not been made, any and all payments by the Company and/or any other
     guarantor, maker or endorser of the Obligations and/or the application of
     any proceeds from any collateral security for the Obligations until the
     Obligations are fully paid and finally discharged. Pledgor hereby waives
     forever any claim, right or remedy which he may now have or hereafter
     acquire against the Company or against any guarantor or surety of the
     Company's obligations that arises hereunder, including, without limitation,
     any claim, remedy or right of subrogation, reimbursement, exoneration,
     contribution, indemnification, or participation in any claim, right or
     remedy of Pledgee against the Company or any such guarantor or surety or
     against any security which Pledgee now has or hereafter acquires, whether
     or not such claim, right or remedy arises in equity, under contract, by
     statute, under common law or otherwise. In addition, Pledgor hereby waives
     any right to proceed against the Company or against any such guarantor or
     surety, now or hereafter, for contribution, indemnity, reimbursement, and
     any other suretyship rights and claims, whether direct or indirect,
     liquidated or contingent, whether arising under express or implied contract
     or by operation of law, which Pledgor may now have or hereafter have as
     against the Company with respect to the Obligations. Pledgor also hereby
     waives any rights to recourse to or with respect to any asset of the
     Company.

              (b) Authority to Modify Obligations and Security. Pledgor
                  --------------------------------------------
     authorizes Pledgee, without notice or demand and without affecting the
     liability hereunder, from time to time, whether before or after any notice
     of termination hereof or before or after any default in respect of the
     Obligations, to: (i) renew, extend, accelerate, or otherwise change the
     time for payment of, or otherwise change any other term or condition of the
     Obligations or any other document or agreement evidencing or relating to
     any Obligations, including, without limitation: (i) to increase or decrease
     the payment terms thereon; (ii) accept, substitute, waive, decrease,
     increase, release, exchange or otherwise alter any

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     collateral security, in whole or in part, securing the Obligations or any
     other guaranty of the Obligations; (iii) apply any and all such collateral
     security and direct the order or manner of sale thereof as Pledgee, in its
     sole discretion, may determine; (iv) add, release or substitute any one or
     more other guarantors, makers or endorsers of the Obligations, and
     otherwise deal with the Company or any other guarantor, maker or endorser
     as Pledgee may elect; (v) in Pledgee's sole discretion, settle, release on
     terms satisfactory to Pledgee, or by operation of law or otherwise,
     compound, compromise, collect or otherwise liquidate any Obligation and/or
     any collateral security therefor in any manner, and bid and purchase any
     collateral security at any sale thereof; (vi) apply any and all payments or
     recoveries from the Company, from any other guarantor, maker, endorser or
     from Pledgor to such of the Obligations as Pledgee, in its sole discretion,
     may determine, whether such Obligations are secured or unsecured or
     guaranteed or not guaranteed by others; (vii) apply any and all payments or
     recoveries from any other guarantor, maker or endorser of the Obligations
     or sums realized from collateral security furnished by any of them upon any
     of their indebtedness or obligations to Pledgee as Pledgee, in its sole
     discretion, may determine, whether or not such indebtedness or obligations
     relate to the Obligations; and (viii) refund at any time, at Pledgee's sole
     discretion, any payment received by Pledgee in respect of any Obligations,
     and payment to Pledgee of the amount so refunded shall be fully secured
     hereby even though prior thereto this Agreement may have been terminated by
     Pledgee; all without in any way diminishing, releasing or discharging the
     liability of Pledgor hereunder.

              (c) Waiver of Defenses. Upon default of the Company and
                  ------------------
     Shareholders in respect of any Obligations, Pledgee may, at its option and
     without notice to Pledgor, proceed directly against Pledgor to collect and
     recover the full amount of the liability hereunder, or any portion thereof,
     and Pledgor waives any right to require Pledgee to: (i) proceed against the
     Company, or any other guarantor, endorser, or other person whomsoever; (ii)
     proceed against or exhaust any collateral security given to or held by
     Pledgee in connection with the Obligations; (iii) give notice of the terms,
     time and place of any public or private sale of any real or personal
     property security for the Obligations or any other guaranty of the
     Obligations; or (iv) pursue any other remedy in Pledgee's power whatsoever.
     A separate action or actions may be brought and prosecuted against Pledgor
     whether or not action is brought against the Company and/or any other
     guarantor, maker or endorser of the Obligations and whether the Company
     and/or any other guarantor, maker or endorser be joined in any such action
     or actions; and Pledgor waives the benefit of any statute of limitations
     affecting the liability hereunder or the enforcement hereof, and agrees
     that any payment of any Obligations or other act which shall toll any

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     statute of limitations applicable thereto shall similarly operate to toll
     such statute of limitations applicable to the liability hereunder.

              (d) Right to Dispose of Security; Impairment of Rights. Pledgor
                  --------------------------------------------------
     hereby authorizes and empowers Pledgee in its sole discretion, without any
     notice or demand to Pledgor whatsoever and without affecting the liability
     of Pledgor hereunder, to exercise any right or remedy which Pledgee may
     have available to it. Pledgor expressly waives all suretyship defenses
     Pledgor would otherwise have under California law or the laws of any other
     jurisdiction. Without limiting the foregoing and without waiving the
     benefits of California Commercial Code (S) 9501.

              (e) Additional Waivers. Pledgor waives any defense arising by
                  ------------------
     reason of any disability or other defense of the Company or by reason of
     the cessation from any cause whtsoever of the liability of the Company or
     by reason of any act or omission of Pledgee or others which directly or
     indirectly results in or aids the discharge or release of the Company or
     any Shareholders with respect to the Obligations or any security in respect
     thereof by operation of law or otherwise. The obligations of Pledgor
     hereunder shall be enforceable without regard to the validity, regularity
     or enforceability of any of the Obligations or any of the documents related
     thereto, any other guaranty of the Obligations or any collateral security
     documents securing any of the Obligations or securing any other guaranty of
     the Obligations. No exercise by Pledgee of, and no omission of Pledgee to
     exercise, any power or authority recognized herein and no impairment or
     suspension of any right or remedy of Pledgee against the Company, any other
     guarantor, maker or endorser or any collateral security shall in any way
     suspend, discharge, release, exonerate or otherwise affect any of Pledgor's
     obligations hereunder or any collateral security furnished by Pledgor or
     give to Pledgor any right of recourse against Pledgee. Pledgor specifically
     agrees that the failure of Pledgee: (i) to perfect any lien on or security
     interest in any property heretofore or hereafter given by the Company or
     any guarantor, maker or endorser to secure payment of the Obligations or of
     any guaranty of the Obligations, or to record or file any document relating
     thereto or (ii) to file or enforce a claim against the estate (either in
     administration, bankruptcy or other proceeding) of the Company, any
     guarantor, maker or endorser, shall not in any manner whatsoever terminate,
     diminish, exonerate or otherwise affect the liability of Pledgor hereunder.

              (f) Additional Obligations; Duty of Undersigned. Additional
                  -------------------------------------------
     Obligations may be created from time to time at the request of the Company
     and without further authorization from or notice to Pledgor even though the
     Company's financial condition may deteriorate since the date hereof. In
     entering into this Agreement with Pledgee, Pledgor is aware of the
     Company's

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     financial condition and waives the right, if any, to require Pledgee to
     disclose to Pledgor any information it may now have or hereafter acquire
     concerning the Company's character, credit, collateral, financial condition
     or other matters. Pledgor has established adequate means to obtain from the
     Company on a continuing basis financial and other information pertaining to
     the Company's business and affairs, and assumes the responsibility for
     being and keeping informed of the financial and other conditions of the
     Company and of all circumstances bearing upon the risk of nonpayment of the
     Obligations hereunder which diligent inquiry would reveal. Pledgee need not
     inquire into the powers of the Company or the authority of its officers,
     directors, partners or agents acting or purporting to act in its behalf,
     and any Obligations created in reliance upon the purported exercise of such
     power or authority is hereby guaranteed. All Obligations of the Company to
     Pledgee heretofore, now or hereafter created shall be deemed to have been
     granted at Pledgor's special insistence and request and in consideration of
     and in reliance upon this Agreement.

              (g) Waiver of Marshalling. Pledgor waives any right he may now or
                  ---------------------
     hereafter have to require Pledgee to marshall assets, to exercise rights or
     remedies in a particular manner, or to forbear from exercising such rights
     and remedies in any particular manner or order.

          2.9 Further Assurances. Shareholders covenant and agree that each of
              ------------------
them: (i) will execute and deliver, or cause to be executed and delivered, all
such other stock powers, proxies, instruments and documents as Pledgee may
reasonably request from time to time in order to carry out the provisions and
purposes hereof; (ii) will take all such other action, as Pledgee may reasonably
request from time to time in order to carry out the provisions and purposes
hereof; (iii) except as provided herein, the Collateral will remain free and
clear of all security interests and liens throughout the term hereof; and (iv)
will forward to Pledgee, immediately upon receipt, copies of any information or
documents received by Pledgor in connection with the Collateral. For purposes of
defining security interest perfection, Pledgor further agrees that any
Collateral which is in transit to Pledgee shall be deemed to be in Pledgee's
possession.

      3.  Right of First Refusal.
          ----------------------

          3.1 Proposed Company Sale. In the event of a proposed Company Sale,
              ---------------------
each Shareholder agrees that it will cause the Company and the other
Shareholders to extend to UWG a right of first refusal to purchase the Company
on terms no less favorable to UWG than the terms of the proposed Company Sale.

          3.2 Proposed Sale of Twenty Percent. In the event of a proposed sale
              -------------------------------
by a Shareholder ("Selling Shareholder") of shares of Common Stock which total
20%

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or more of the Company's then outstanding Common Stock (the "Sale Shares")(a
"Shareholder Sale"), such Selling Shareholder agrees that it will extend to UWG
a right of first refusal to purchase such Sale Shares on terms no less favorable
to UWG than the terms of the proposed Shareholder Sale. Notwithstanding the
foregoing, the following transfers of shares of Capital Stock by a Selling
Shareholder shall not be subject to the restrictions of this Section 3: (i) a
transfer to an existing holder of Capital Stock, and (ii) a transfer to a trust
established for the benefit of such Selling Shareholder or an existing holder of
Capital Stock.

          3.3 Notice. In the event of a proposed Company Sale or Shareholder
              ------
Sale, the Shareholders shall cause the Company to, or in the case of a
Shareholder Sale, the Selling Shareholder shall, send written notice of the
terms of the proposed Company Sale or Shareholder Sale to UWG (the "Notice").
The Notice shall state the terms and conditions of the offer to the Company, the
Shareholders or the Selling Shareholder (the "Offer"), and the name and address
of the prospective purchaser (together with a copy of all writings between such
party and the offering shareholders establishing the terms of the Offer).

          3.4 UWG's Option. With respect to a proposed Company Sale, UWG shall
              ------------
have the right to purchase the Company at the price and upon the terms and
conditions specified in the Notice. With respect to a proposed Shareholder Sale,
UWG shall have the right to purchase the Sale Shares at the price and upon the
terms and conditions specified in the Notice. Such rights of UWG shall be
exercisable by written notice given to the Shareholders, or the Selling
Shareholder in the case of a Shareholder Sale, within sixty (60) days after
UWG's receipt of the Notice. The failure of UWG to exercise such right within
such sixty (60) day period shall be deemed a waiver of its right pursuant to
this Section. If the offer involves the receipt of a form of consideration which
cannot be delivered by UWG, UWG shall have the right to deliver cash in an
amount equal to the fair market value of the form of consideration proposed to
be delivered by the prospective purchaser.

          3.5 Third Party Company Sale. With respect to a proposed Company Sale,
              ------------------------
unless UWG elects to purchase the Company, the Shareholders may participate in
the sale of the Company, on the terms and conditions set forth in the Notice,
provided that such sale is bona fide and consummated within ninety (90) days of
the date of the Notice. If such sale is not consummated within such ninety (90)
day period, all of the restrictions provided for in this Agreement shall again
become effective with respect to any other proposed Company Sale.

          3.6 Third Party Shareholder Sale. With respect to a proposed
              ----------------------------
Shareholder Sale, unless UWG elects to purchase the Sale Shares, the Selling
Shareholder may sell the Sale Shares, on the terms and conditions set forth in
the Notice, provided that such sale is bona fide and consummated within ninety
(90) days of the date of the Notice. If such sale is not consummated within such
ninety (90) day period, all of the

                                      -11-
<PAGE>

restrictions provided for in this Agreement shall again become effective with
respect to any other proposed Shareholder Sale.

          3.7 Closing of UWG Purchase. The closing of any purchase of the
              -----------------------
Company or the Sale Shares by UWG pursuant to Section 3 shall be held at the
principal office of the Company at 10:00 a.m. local time on or before the
thirtieth (30th) day after notice of exercise by UWG is given to the
Shareholders or the Selling Shareholder, or at such other time and place as the
parties to the transaction may agree upon (as used in this Section 3.7, the
"Closing").

          3.8 Terms of Company Sale. Shareholders shall cause the Company not
              ---------------------
to, and Shareholders shall not, enter into any Company Sale agreement which does
not require the redemption of the Shares at the redemption price and provide
that UWG may, in the alternative, convert the Shares into Common Stock
immediately prior to the consummation of the Company Sale.

      4.  Piggyback Registration Rights.
          -----------------------------

          4.1 Notice of Registration. If the Company or any entity which
              ----------------------
directly or indirectly controls the Company, or any shareholder of either of
them, at any time proposes to Register under the Securities Act any shares of
Capital Stock, whether or not for sale for the account of the Company or others,
on a form and in a manner which would permit Registration of shares of Capital
Stock for sale to the public under the Securities Act, other than a Registration
relating solely to employee benefit plans or a transaction described in Rule 145
promulgated by the Commission, the Company shall give written notice of the
proposed Registration to UWG not later than sixty (60) days prior to the filing
with the Commission of the Registration Statement, or other filing document,
relating thereto.

          4.2 Exercise of Registration Rights. UWG shall have the right to
              -------------------------------
request that all or any part of its Shares (including the shares of Common Stock
into which the Shares may be converted) be included in such Registration by
giving written notice to the Company within thirty (30) days after the receipt
of the notice from the Company provided for in Section 4.1; provided, however,
that if the Registration is underwritten and the managing underwriter(s)
determine in good faith that the aggregate amount of Capital Stock which the
registrant and UWG propose to include in the Registration Statement exceeds the
maximum amount of Capital Stock that should be included therein, the registrant
will include in such Registration, first, all of the Capital Stock which the
registrant proposes to sell and, second, so much of the Capital Stock which UWG
requested to be so included in such Registration as may be permitted by the
managing underwriter(s).

          4.3 Terms of Underwriting. Shares of Capital Stock proposed to be
              ---------------------
Registered and sold pursuant to this Section 4 and pursuant to an underwritten
offering

                                      -12-
<PAGE>

for the account of UWG shall be sold to prospective underwriter(s) selected by
the registrant and on the terms and subject to the conditions of one or more
underwriting agreements negotiated between the registrant and the prospective
underwriter(s), including without limitation any indemnification provisions and
restrictions on sales of Shares by UWG as may be reasonably required by the
managing underwriter(s). The registrant may withdraw any Registration Statement
at any time before it becomes effective or postpone the offering of securities
without obligation or liability to UWG.

          4.4 Withdrawal From Registration. If UWG disapproves of the terms of
              ----------------------------
any underwriting, then UWG may elect to withdraw therefrom by written notice to
the Company and the underwriter(s) delivered at least seven (7) days prior to
the effective date of the Registration Statement. Any Registrable Securities or
other securities excluded or withdrawn from such underwriting shall be withdrawn
from such Registration.

          4.5 Blue Sky in Registration. In the event of any Registration of
              ------------------------
Registrable Securities pursuant to this Section 4, the Company will exercise its
best efforts to Register and qualify the Registrable Securities covered by the
Registration Statement under such other securities or Blue Sky laws of such
jurisdictions as shall be reasonably appropriate for the distribution of such
Registrable Securities; provided, however, that (i) the Company shall not be
required to qualify to do business or to file a general consent to service of
process in any such states or jurisdictions, and (ii) notwithstanding anything
in this Agreement to the contrary, in the event any jurisdiction in which the
Registrable Securities shall be qualified imposes a non-waiveable requirement
that expenses incurred in connection with the qualification of the Registrable
Securities be borne by selling shareholders, such expenses shall be payable pro
rata by selling shareholders.

          4.6 Expenses of Registration. All Registration Expenses incurred in
              ------------------------
connection with Registrations pursuant to this Section 4 shall be borne by the
Company. All Registration Expenses incurred in connection with any other
qualification or compliance shall be borne by the Company. All Selling Expenses
shall be borne by the holders of the securities Registered pro rata on the basis
of the number of shares Registered.

          4.7 Registration Procedures. The Company will keep UWG, if its
              -----------------------
Registrable Securities are included in any Registration pursuant to this Section
4, advised as to the initiation and completion of such Registration. At its
expense the Company will: (a) use its best efforts to keep such Registration
effective for a period of one hundred twenty (120) days or until the registrant
and UWG have completed the distribution described in the Registration Statement
relating thereto, whichever first occurs; and (b) furnish UWG a number of
prospectuses (including preliminary prospectuses) and such other documents as
UWG may from time to time reasonably request.

                                      -13-
<PAGE>

          4.8 Information to be Furnished by UWG. UWG, if its Registrable
              ----------------------------------
Securities are included in a Registration, shall furnish to the Company and/or
the underwriter(s) such information regarding UWG and the distribution of its
Registrable Securities proposed by UWG as the Company and/or the underwriter(s)
may reasonably request.

          4.9  Indemnification.
               ---------------

               4.9.1 Indemnification By the Company of UWG. To the extent
                     -------------------------------------
permitted by law, the Company will indemnify UWG, each of its officers,
directors and constituent partners, each legal counsel and independent
accountant, and each person who controls (within the meaning of the Securities
Act) UWG, and each underwriter, if any, and each person who controls (within the
meaning of the Securities Act) any underwriter (an "Indemnitee"), with respect
to which Registration, qualification or compliance of Registrable Securities has
been undertaken pursuant to this Section 4, against any and all claims, demands,
proceedings, causes of action, damages, liabilities, losses, and expenses (a
"Claim") to the extent the Claim arises out of or is based upon any untrue
statement (or alleged untrue statement) of a material fact contained in any
prospectus or other document (including any related Registration Statement)
incident to any such Registration, qualification or compliance, or is based on
any omission (or alleged omission) to state in any such prospectus or other
document (including any related Registration Statement) a material fact required
to be stated therein or necessary to make the statements therein not misleading,
or any violation by the Company, its directors, officers, agents, employees or
underwriter(s) of any rule or regulation promulgated under the Securities Act
applicable to the Company, its directors, officers, agents, employees or
underwriter(s) and relating to action or inaction required of the Company, its
directors, officers, agents, employees or underwriter(s) in connection with any
such Registration, qualification or compliance. To the extent permitted by law,
the Company will reimburse each Indemnitee, for any legal and consulting costs,
expenses and fees reasonably incurred in connection with investigating or
defending a claim; provided, however, that the indemnity contained in this
Section 4.9 shall not apply to amounts paid in settlement of a Claim if
settlement is effected without the consent of the Company (which consent shall
not unreasonably be withheld); and, provided further, that the Company will not
be liable in any such case to the extent, but only to the extent, that a Claim
arises out of or is based upon any untrue statement or omission based upon
written information furnished by UWG to the Company, an underwriter, or a
controlling person and stated to be for use in connection with the offering of
securities of the Company.

             4.9.2 Indemnification Procedure. After receipt by an Indemnitee of
                   -------------------------
notice of a Claim, the Indemnitee will, if a claim in respect thereof is to be
made against the Company under this Section, notify the Company in writing of
the com-

                                      -14-
<PAGE>

mencement thereof and generally summarize the Claim. The Indemnitee shall permit
the Company to assume the defense of the Claim provided that counsel for the
Company, who shall conduct the defense of the Claim, shall be approved by the
Indemnitee (whose approval shall not unreasonably be withheld), and the
Indemnitee may participate in such defense at such party's expense, and provided
further that the failure of any Indemnitee to give notice as provided herein
shall not relieve the Company of its obligations under this Section 4.9, to the
extent such failure is not prejudicial,. the Company, in defense of the Claim,
shall not, except with the consent of each Indemnitee, consent to entry of any
judgment or enter into any settlement that does not include as an unconditional
term thereof the giving by the claimant or plaintiff to such Indemnitee of a
release from all liability in respect to the Claim. Each Indemnitee shall
furnish such information regarding itself or the Claim as the Company may
reasonably request in writing and as shall be reasonably required in connection
with defense of the Claim.

             4.9.3 Contribution. If the indemnification provided for in this
                   ------------
Section 4.9 is held by a court of competent jurisdiction to be unavailable to an
Indemnitee with respect to any loss, liability, claim, damage, or expense
referred to therein, then the Company, in lieu of indemnifying the Indemnitee
hereunder, shall contribute to the amount paid or payable by such Indemnitee as
a result of such loss, liability, claim, damage, or expense in such proportion
as is appropriate to reflect the relative fault of the Company on the one hand
and of the Indemnitee on the other in connection with the statements or
omissions that resulted in such loss, liability, claim, damage, or expense as
well as any other relevant equitable considerations. The relative fault of the
Company and of the Indemnitee shall be determined by reference to, among other
things, whether the untrue or alleged untrue statement of a material fact or the
omission to state a material fact relates to information supplied by the Company
or by the Indemnitee and the parties' relative intent, knowledge, access to
information, and opportunity to correct or prevent such statement or omission.

      5.  Definitions.
          -----------

          "Capital Stock" shall mean the Common Stock plus (a) any other class
of capital stock of the Company issued after the date of this Agreement, (b) any
rights to acquire Common Stock, and (c) any securities which are convertible
into Common Stock by their terms, whether presently held or hereinafter acquired
by any Shareholder.

          "Common Stock" shall mean the common stock of the Company.

          "Company Sale" shall mean a transaction or series of related
transactions, with any person or group of persons acting in concert, involving
the sale or other disposition of (i) 50% or more of the capital stock of the
Company, (ii) 20% or more of the tangible assets of the Company, (iii) a merger
or consolidation in which

                                      -15-
<PAGE>

shareholders of the Company immediately prior to the merger do not own in excess
of 80% of the capital stock of the surviving entity.

          "Redemption Price" has the meaning assigned to such term in the
Company's Amended and Restated Articles of Incorporation.

          "Register," "Registered" and "Registration" refer to a registration
effected by preparing and filing with the Commission a registration statement or
other filing document in compliance with the Securities Act (a "Registration
Statement"), and the effectiveness of such Registration Statement.

          "Registrable Securities" shall mean (i) all Capital Stock not
previously sold to the public which (a) has been issued to the Shareholders, or
(b) is issued to the Shareholders pursuant to stock splits, stock dividends and
similar distributions, and (ii) any Common Stock granted registration rights
under this Agreement.

          "Registration Expenses" shall mean all expenses incurred by the
Company in complying with Section 4, including, without limitation, all federal
and state registration, qualification and filing fees, printing expenses, escrow
fees, fees and disbursements of counsel for the Company, Blue Sky fees and
expenses, and the expense of any special audits incident to or required by any
such registration.

          "Securities Act" shall mean the Securities Act of 1933, as amended, or
any similar federal statute, and the rules and regulations of the Commission
thereunder.

          "Selling Expenses" shall mean all underwriting discounts and selling
commission applicable to the sale of Registrable Securities pursuant to this
Agreement.

      6. Term. This Agreement shall remain in full force and effect until all
         ----
Shares held by UWG have been redeemed or converted into common stock of the
Company. At the expiration of the term of this Agreement, Pledgee shall return
to Pledgor all stock certificates and other documents relating to this
Agreement, together with any further documents necessary to establish that the
within pledge is terminated.

      7. Successors And Assigns. This Agreement shall be binding upon and inure
         ----------------------
to the benefit of the parties thereto and their respective successors and
assigns.

      8.  Choice of Law.
          -------------

          The validity of this agreement, its construction, interpretation and
enforcement, and the rights of the parties hereunder and concerning the
collateral, shall be determined under, governed by, and construed in accordance
with the internal laws (as opposed to the conflict of laws principles) of the
state of California.

                                      -16-
<PAGE>

      9.  WAIVER OF JURY TRIAL
          --------------------

          ALL PARTIES HERETO HEREBY WAIVE THEIR RESPECTIVE RIGHTS TO A JURY
TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF THIS
AGREEMENT, OR ANY OTHER AGREEMENT ENTERED INTO IN CONNECTION HEREWITH OR
THEREWITH, OR ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN OR THEREIN, INCLUDING
CONTRACT CLAIMS, TORT CLAIMS, BREACH OF DUTY CLAIMS AND ALL OTHER COMMON LAW OR
STATUTORY CLAIMS.  PLEDGOR AND PLEDGEE REPRESENT THAT EACH HAS REVIEWED THIS
WAIVER AND EACH KNOWINGLY AND VOLUNTARILY WAIVES ITS JURY TRIAL RIGHTS FOLLOWING
CONSULTATION WITH LEGAL COUNSEL.  IN THE EVENT OF LITIGATION, A COPY OF THIS
AGREEMENT MAY BE FILED AS A WRITTEN CONSENT TO A TRIAL BY THE COURT.

     10. Attorneys' Fees. In the event any action or proceeding is commenced to
         ---------------
enforce the terms and provisions of this Agreement, the prevailing party in such
action or proceeding shall be entitled to recover from the losing party therein,
such prevailing party's reasonable attorneys' fees and court costs.

     11. Legend. The certificates representing common shares of the Company
         ------
shall bear a restrictive legend with respect to the restrictions contained in
this Agreement.

     12. Integrated Agreement. This Agreement sets forth the entire
         --------------------
understanding of the parties with respect to the within matters, and may not be
modified except by a writing signed by all parties.

     13. Counterparts. This Agreement may be executed in multiple counterparts,
         ------------
each of which shall be deemed an original, but all of which together shall
constitute one and the same instrument and agreement.

     14. Section Headings. The section headings herein are for convenience of
         ----------------
reference only, and shall not affect in any way the interpretation of any of the
provisions hereof.
                                 [END OF TEXT]

                                      -17-
<PAGE>

          IN WITNESS WHEREOF, this Agreement is executed as of date first above
written.

                              Unified Western Grocers, Inc.

                              By:  /s/ D A Woodward
                                   -------------------------------

                              Its:  V.P. & Treasurer
                                   -------------------------------

                              C&K Market, Inc.

                              By:  /s/ Douglas A. Nidiffer
                                   --------------------------------
                                   Douglas A. Nidiffer, President

                              Shareholders of C&K Market, Inc.

                              /s/ J. Kevin Crumley
                              -------------------------------
                              J. Kevin Crumley

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Ethan R. Fletcher Irrevocable Trust
                              "Controlling Shareholder"

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Jacob B. Fletcher Irrevocable Trust
                              "Controlling Shareholder"

                              /s/ Ronald Gleeson
                              -------------------------------
                              Ronald Gleeson

                              /s/ Larry Hage
                              -------------------------------
                              Larry Hage

                                      -18-
<PAGE>

                              /s/ Edward P. Kessler
                              -------------------------------
                              Edward P. Kessler

                              /s/ Duayne McKinney
                              -------------------------------
                              Duayne McKinney

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Alan W. Nidiffer Irrevocable Trust
                              "Controlling Shareholder"

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Douglas A. Nidiffer Irrevocable Trust
                              "Controlling Shareholder"

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Patricia A. Nidiffer Irrevocable Trust
                              "Controlling Shareholder"

                              /s/ Raymond L. Nidiffer
                              -------------------------------
                              Raymond L. Nidiffer
                              "Controlling Shareholder"

                              /s/ M. June Nidiffer
                              -------------------------------
                              M. June Nidiffer
                              "Controlling Shareholder"

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Sara M. Nidiffer Irrevocable Trust
                              "Controlling Shareholder"

                                      -19-
<PAGE>

                              /s/ Mitchell Pallotta
                              -------------------------------
                              Mitchell Pallotta

                              /s/ Gloria Scoggins
                              -------------------------------
                              Gloria Scoggins

                              /s/ Rex R. Scoggins
                              -------------------------------
                              Rex R. Scoggins

                              /s/ Daniel Van Zant
                              -------------------------------
                              Daniel Van Zant

                              /s/ Daniel Gustafson
                              -------------------------------
                              Daniel Gustafson

                              /s/ Douglas A. Nidiffer
                              -------------------------------
                              Douglas A. Nidiffer, Special Protector,
                              Mary H. Nidiffer Irrevocable Trust
                              "Controlling Shareholder"

                                     -20-
<PAGE>

                                   Exhibit A

                                   Collateral
<TABLE>
<CAPTION>

Shareholder Name                          # of Shares
----------------------------------------  -----------
<S>                                       <C>
J. Kevin Crumley                                4,440
Ethan R. Fletcher Irrevocable Trust             3,520
Jacob B. Fletcher Irrevocable Trust             3,520
Ron Gleeson                                     5,065
Daniel Gustafson                                  250
Larry Hage                                      5,779
Edward P. Kessler                               5,779
H. Duayne McKinney                              5,779
Alan W. Nidiffer Irrevocable Trust              3,520
Douglas A. Nidiffer                                42
Douglas A. Nidiffer Irrevocable Trust          42,900
Mary H. Nidiffer Irrevocable Trust              3,520
Patricia A. Nidiffer Irrevocable Trust         42,900
Raymond L. Nd M. June Nidiffer                396,600
Sara M. Nidiffer Irrevocable Trust              3,520
Mitchell Pallotta                               5,779
Gloria Scoggins                                 5,779
Rex R. Scoggins                                 5,779
Daniel Van Zant                                   250

</TABLE>

                                      -21-GREAT OFFICES, INC./

                         AMERICAN OFFICE CENTERS, L.L.C.

                                    SUBLEASE

1.       PARTIES.

         1.1 This Sublease,  dated, for reference purposes only, 9-27-00 is made
by and between GREAT  OFFICES,  INC./American  Office  Centers,  L.L.C.  (herein
called   "Sublessor")   and  Trinity  Medical  Group  USA  Inc.  (herein  called
"Sublessee").

2.       PREMISES.

         2.1  Sublessor  hereby  subleases to  Sublessee  and  Sublessee  hereby
subleases  from  Sublessor  for the  term,  at the  rental,  and upon all of the
conditions set forth herein, a portion of that certain real property situated in
the County of Orange,  State of  California,  commonly  known as Great  Offices,
Inc./American Office Centers, L.L.C. at Rancho Santa Margarita,  California, and
described  as  approximately  413 square  feet - Office #14 a&b,  as depicted on
Exhibit "A". Said real property is hereafter called the "Premises".

3.       TERM.

         3.1 Term. The term of this Sublease  shall be for 1 year  commencing on
12-1-00 and  terminating  on 11-30-01.  At that time,  lease term  automatically
converts lo month to month.  Once this lease converts to a month to month lease,
Sublessee may terminate  this Sublease upon sixty (60) days, 2 calendar  months,
written  notice which notice may not set forth an effective  date of termination
other than the last business day of a calendar month. If Sublessee subleases two
or more offices or space  (mini-suites = 2 offices  included),  Sublessee  shall
provide  not  less  than  ninety  (90)  days,  3  calendar  months,   notice  of
termination,  the date of termination to be effective on he last business day of
a calendar  month.  Sublessee shall vacate the Premises on the last business day
of the lease period.  All equipment  and  furnishings  shall be removed from the
Premises by 5:00 PM on the last business day of the lease period.

         3.2 Delay In Commencement.  Notwithstanding  said Commencement Data, if
for any reason Sublessor cannot deliver  possession of the Premises to Sublessee
on said date,  Sublessor  shall not be subject to any  liability  therefor,  nor
shall such failure  affect the validity of this Sublease or the  obligations  of
Sublessee  hereunder or extend the term hereof, but in such case Sublessee shall
not be  obligated  to Pay rent until  Possession  of the Premises is tendered to
Sublessee.  If Sublessee  occupies the Premises prior to said Commencement Date,
such occupancy shall be subject to all provisions  hereof,  such occupancy shall
not advance the termination date and Sublessee shall pay rent for such period at
the initial monthly rates set forth below.

4.       RENT

         4.1  Sublessee  shall pay to Sublessor  as rent for the Premises  equal
monthly payments of $1800.00,  in advance, on the first day of each month of the
term hereof. Rent shall be made

                                  Page 1 of 12
<PAGE>

payable to Greet Offices,  Inc. / American Office Centers,  L.L.C.,  30021 Tomar
Street,  Suite 300 RSM,  CA 92688,  Attn:  Suite  Manager,  or such other  place
Sublessor  shall  designate in writing.  Sublessee  shall pay Sublessor upon the
execution  hereof  $1,800.00 as rent for the first whole or partial month.  Rent
for any period  during the term hereof which is for less than one month shall be
a prorated portion of the monthly  installment based on a thirty-day month. Rent
shall be  payable  in lawful  money of the  United  States to  Sublessor  at the
address  stated  herein or to such  other  persons  or at such  other  places as
Sublessor  may designate in writing.  Sublessee  shall pay a 6% or $50 late fee,
whichever is greater,  in the event rent is not received by Sublessor by the 3rd
day of the month  (See  Attachment  A),  and a 10% or $20  returned  check  fee,
whichever is greater, in the event Sublessee's check is returned for any reason,
both such sums as liquidated  damages to compensate  Sublessor for its costs and
expenses.  Acceptance  of any such sum shall not limit  Sublessor's  rights  and
remedies upon a default by Sublessee.  All discrepancies in Sublessee's  billing
must be directed to Sublessor's  corporate  offices in writing within 30 days of
Sublessee's  receipt of billing. It will be assumed that Sublessee is in receipt
of billing within two days after the invoice date.

         4.2 Sublessee  shall pay, as  additional  rent  hereunder,  Sublessee's
proportionate  share of the Building's  Operating  Costs in the manner set forth
herein.  The "Building's  Operating  Costs" shall include and be computed as set
forth in the Master  Lease.  Sublessee's  proportionate  share  equals a certain
percent of the  Building  Operating  Costs  charged to  Sublessor  by the Master
Lessor.  Sublessee shall pay its proportionate share of the Building's Operating
Costs monthly,  at the same time as rent,  based upon the most recent  statement
Sublessor  has  delivered to Sublessee  which shall be delivered to Sublessee at
least every 18 months,  or at approximately  the same time Sublessor  receives a
statement from the Master Lessor, or as a provision towards said operating costs
calculated  by  Sublessor  based on  historical  data for  building  of the same
standard.  Said statement shall be based upon the statement  Sublessor  receives
from the Master Lessor and is,  therefore,  subject to change as provided in the
Master Lease.  In the event the Master Lessor  assesses a surcharge to Sublessor
based  upon a  statement  which  did  not  correctly  estimate  actual  Building
Operating  Costs,  Sublessee shall  immediately pay Sublessor its  proportionate
share of the surcharge within ten (10) days of notice to Sublessee. In the event
the Master  Lessor  issues a credit to Sublessor  due to an  overpayment  of the
Building's  Operating  Costs,  Sublessor shall apply  Sublessee's  proportionate
share of such  credit to any sums  owing from  Sublessee  to  Sublessor  and any
remaining credit to future sums due from Sublessee under this Section 4.2.

         Even if the term of this Sublease has expired and Sublessee has vacated
the Premises,  or this Sublease has terminated,  when the final determination is
made of the actual Building Operating Costs,  Sublessee shall immediately pay to
Sublessor the difference between  Sublessee's  proportionate share of the actual
Operating Costs and the amounts Sublessee has previously paid.

5.       SECURITY DEPOSIT

         5.1  Sublessee  shall  deposit with  Sublessor  upon  execution  hereof
$2,060.00  as security  for  Sublessee's  faithful  performance  of  Sublessee's
obligations  hereunder.  If  Sublessee  fails to pay rent or other  charges  due
hereunder, or otherwise defaults with respect to any provision of this Sublease,
Sublessor  may use,  apply or retain all or any portion of said  deposit

                                  Page 2 of 12
<PAGE>

for the payment of any rent or other charge in default or for the payment of any
other sum to which  Sublessor  may  become  obligated  by reason of  Sublessee's
default,  or to compensate  Sublessor for any loss or damage which Sublessor may
suffer  thereby.  If  Sublessor  so uses or applies  all or any  portion of said
deposit.  Sublessee  shall within ten (10) days after written  demand  therefor,
deposit cash with  Sublessor in an amount  sufficient to restore said deposit to
the full amount herein above stated and Sublessee's  failure to do so shall be a
material  breach of this Sublease.  Sublessor shall not be required to keep said
deposit  separate  from its  general  accounts.  If  Sublessee  performs  all of
Sublessee's  obligations hereunder,  said deposit, or so much thereof as has not
theretofore  been applied by Sublessor,  shall be returned,  without  payment of
interest or other increment for its use to Sublessee (or at Sublessor's  option,
to the  last  assignee,  if  any,  of  Sublessee's  interest  hereunder)  at the
expiration of the term hereof, and after Sublessee has vacated the Premises.  No
trust  relationship  is created  herein  between  Sublessor and  Sublessee  with
respect to said Security Deposit.

6.       USE.

         6.1 Use.  The  Premises  shall be used and  occupied  only for  general
office  use.  Sublessee  will  complete  a "Tenant  Information  Sheet" for each
person(s) that will be occupying or using the Premises.

         6.2 Compliance  with Law.  Sublessee  shall,  at  Sublessee's  expense,
promptly comply with all applicable statutes,  ordinances,  rules,  regulations,
orders,  restrictions of record,  and  requirements in effect during the term or
any part of the term hereof, regulating the use by Sublessee of the Premises, or
the operation of Sublessee's business. Sublessee shall not use or permit the use
of the  Premises  in any manner  that will tend to create  waste or a  nuisance,
increase  the cost of  insurance,  or which  shall  tend to  disturb  such other
tenants.

         6.3  Condition of Premises.  Sublessee  hereby  accepts the Premises in
their condition existing as of the date of the execution hereof,  subject to all
applicable zoning, municipal, county and state laws, ordinances, and regulations
governing  and  regulating  the Premises or their use, and accepts this Sublease
subject  thereto  and to  all  matters  disclosed  thereby  and by any  exhibits
attached hereto.  Sublessee  acknowledges that neither Sublessor nor Sublessor's
agents has made any  representation  or  warranty as to the  suitability  of the
Premises for the conduct of Sublessee's business.

7.       MASTER LEASE.

         7.1  Sublessor  is the  lessee of the  Premises  by virtue of a written
lease hereinafter referred to as the "Master Lease", wherein Great Offices, Inc.
/ American Office Centers, L.L.C. of California is the Sublessor.

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

         7.3  Sublessor  agrees to maintain  the Master  Lease during the entire
term of this Sublease subject, however, to any earlier termination of the Master
Lease  without  default of  Sublessor.  In the event of such  termination,  this
Sublease shall likewise terminate.

                                  Page 3 of 12
<PAGE>

8.       SERVICES.

         8.1 Sublessor shall provide to Sublessee such heating, ventilating, air
conditioning  and other utilities and janitorial  service to the Premises in the
manner and in quantities which the Master Lessor provides under the Master Lease
at no additional charge to Sublessor.  In the event that Sublessee's use of such
utilities  results in an assessment by the Master Lessor under the Master Lease,
Sublessee  shall  immediately  reimburse  Sublessor  for any  charges  therefor.
Sublessor  shall in no event be liable for any damage to  Sublessee's  equipment
due to power surges or interruption of service.

         8.2  Sublessor  shall also  provide or cause o be provided to Sublessee
telephone equipment,  extensions,  and lines as the parties shall designate upon
commencement of the lease term. Sublessor shall bill Sublessee,  or cause fee to
be billed  receipt of an itemized  statement  therefor  and shall be  considered
additional  rent  hereunder.  In addition to any other remedies of Sublessor for
the failure of Sublessee to pay rent of additional rent hereunder, Sublessor may
terminate,  or cause to be  terminated  or decline to  present  termination  of,
telephone service to the Premises.

         8.3 If  Sublessee  brings onto the Promises a copier,  Sublessor  shall
have the right to  surcharge  Sublessee  the sum of $25.00  per month to be paid
with rent as additional rent hereunder.

             8.3.1 If Sublessee  brings onto the  Premises a facsimile  machine,
Sublessor  shall  have the right to  surcharge  Sublessee  the sum of $25.00 per
month to be paid with rent as additional rent hereunder.

             8.3.2 Sublessee hereby guarantees usage of administrative  services
valued at $35.00 per office per month (refer to services  list).  Sublessee will
be charged  $35.00 per office per month.  Sublessee may  accumulate  the monthly
value;  however any usage over the accumulated value will be billed at the price
list rate.  Any unused  accumulated  administrative  services  at the end of the
lease term will be forfeited.

         8.4 Sublessee  understands the working  principle of the suite as being
on a  "first-come-first-serve"  basis.  In the event of a rush job,  Sublessee's
responsibility  is to make clear to Great Office  Centers'  staff the urgency of
the work to be done so that no misunderstanding can arise.

         8.5  Sublessee  acknowledges  that all jobs  with RUSH  status  will be
charged at time-and-a half the normal word processing rate.

         8.6 Sublessee also  acknowledges  that all jobs performed after regular
hours are charged at an overtime rare: twice the normal word processing rate.

         8.7 Sublessee  acknowledges that Sublessor is not responsible or liable
for telephone and/or voice mail equipment  malfunctions or any other occurrences
out of the control of Sublessor that may interrupt this service.

                                  Page 4 of 12
<PAGE>

         8.8 Sublessee also acknowledges that incoming and outgoing massages are
oral,  and  Sublessor  shall in no way be liable for any  errors,  omissions  or
difficulties  by its  staff  or  equipment  in the  transmission  of  calls  and
messages.

9.       REPAIR AND MAINTENANCE.

         9.1 Sublessee  shall keep the interior of the Premises neat,  clean and
in good order and  condition.  Sublessee  shall be  responsible  for any and all
damage  or  deterioration  in the  Premises  due to an  act or  omission  of the
Sublessee or its invitees,  other than that which is a result solely of ordinary
wear and tear.

         9.2 Sublessee  shall be responsible for any and all damage to telephone
or other  office  equipment  due to an act of omission of the  Sublessee  of its
invitees, other than that which is a result solely of ordinary wear and tear.

10.      ALTERATIONS.

         10.1  Sublessee  shall not make any  alteration  in or to the  Premises
without the prior written  consent of  Sublessor,  which consent shall be in its
sole discretion, and of the Master Lessor, which consent shall be subject to the
conditions set forth in the Master Lease.

11.      RULES AND REGULATIONS.

         11.1  Sublessee  shall  comply  with all rules and  regulations  of the
building or development of which the Premises now are or may hereafter  become a
part, and such other rules and  regulations  which Sublessor may promulgate from
time to time applicable to all subtenants.

         11.2 Sublessee shall cause any children or minors visiting the Premises
to be orderly and quiet and shall restrict them to the confines of the Premises.

12.      ASSIGNMENT AND SUBLETTING.

         12.1 Sublessee shall not assign, mortgage or encumber the Sublease, nor
sublet,  suffer or permit the  Premises or any part thereof to be used by others
the prior written  consent of Sublessor in each instance,  which consent may not
be unreasonably  withheld.  If Sublessor grants such consent, and as a condition
thereof,  during the term of such sublease,  Sublessor  shall be entitled to all
rents,  additional  charges or other  consideration  payable to Sublessee by the
sub-tenant  in excess of the rent and other charges  otherwise  coming due under
the Sublease.

13.      HOLDING OVER.

         13.1 If  Sublessee  retains  possession  of the  Premises  or any  part
thereof after the  termination  of this Sublease,  Sublessee's  occupancy of the
Premises  shall  be as a tenant  at will  terminable  at any time by  Sublessor.
Sublessee  shall pay to  Sublessor  rent for such time as  Sublessee  remains in
possession at the rate of 200% of the total amount of rent payable hereunder for
the monthly  immediately  preceding  termination  date of this Sublease,  and in
addition thereto, shall pay Sublessor for all actual damages sustained by reason
of Sublessee's retention of possession.

                                  Page 5 of 12
<PAGE>

14.      SURRENDER OF THE PREMISES.

         14.1 Upon  termination of this  Sublease,  Sublessee  shall  peacefully
surrender  the  Premises  in  broom-clean  condition  and  otherwise  in as good
condition as when Sublessee  took  possession,  except for  reasonable  wear and
tear.

15.      INDEMNIFICATION.

         15.1  Sublessee  shall  indemnify,  save,  defend,  protect,  and  hold
Sublessor harmless from all claims,  suits,  actions,  damages,  liabilities and
expenses in connection with loss of life,  bodily or personal  injury,  property
damage,  or damage to Sublessee's  business  occurring or arising from or out of
the se or occupancy of the Premises or any part thereof or occasioned  wholly or
in part by any act or omission of Sublessee  or  Sublessee's  invitees,  whether
occurring in or about the Premises,  or in the common areas or elsewhere  within
the building or  development  of which the  Premises  now are, or may  hereafter
become, a part.  Sublessee's duty of indemnification  shall not apply to injury,
loss, or damage proximately caused by the negligence or willful act of Sublessor
or its agents,  contractors  or employees.  Sublessee  shall further  indemnify,
save,  protect  and hold  Sublessor  harmless  from any and all  claims,  suits,
actions,  damages or liabilities  arising out of Sublessee's  failure to perform
and abide by the obligations of this Sublease.

16.      SUBLESSEE'S INSURANCE.

         16.1  Sublessee  shall  maintain at its own cost and expense  insurance
against fire and other perils as may be included in extended coverage  insurance
on Sublessee's property and leasehold  improvements in an amount deemed adequate
by Sublessor to cover their replacement cost and comprehensive general liability
insurance on an occurrence  basis with limits of liability in an amount not less
than $1 million  combined  single limit for each occurrence with respect to loss
of  life,  bodily  and  personal  injury  and  damage  to  property  by water or
otherwise. All such insurance shall name Sublessor as an additional insured and,
if reasonably  requested by  Sublessor,  shall also name the Master Lessor as an
additional   insured  and  shall  contain   appropriate   endorsements   denying
Sublessee's  insurance the right of subrogation against Sublessor and the Master
Lessor,  ad shall contain a provision  whereby each insurer agrees not to cancel
such insurance without 30 days' prior written notice to Sublessor.

17.      CONFIDENTIALITY:  TEMPORARY WAIVER OF COLLECTION.

         17.1  Sublessee  acknowledges  that  (i)  Sublessor  has  agreed  to  a
temporary  waiver of its right to collect the  difference,  if any,  between its
standard  rates for the Premises and te  occupancy  and service  rates set forth
elsewhere in this Sublease,  (ii) some or all of the occupancy and service rates
that are set forth in this sublease may be less than Sublessor's  standard rates
therefor,  as such rates may reflect te effect of such temporary  waiver,  (iii)
Sublessor may partially or fully withdraw such temporary  waiver an be permitted
to collect the amounts so temporarily  waived if Sublessee does not fully comply
with the confidentiality  provisions set forth in this section,  and (iv) within
its sole  discretion,  Sublessor may withdraw such temporary on thirty (30) days
written notice to Sublessee,  although,  if such  temporary  waiver is withdrawn
pursuant to the provisions of this  subsection  (iv),  Sublessor may not collect
the  amounts so  temporarily  waived to the date of such  withdrawal.  Sublessee
acknowledges  that, as of the

                                  Page 6 of 12
<PAGE>

effective  date of this  Sublease,  te  amounts  that  are the  subject  of such
temporary  waiver are: (i) rent; (ii) additional rent; and (iii) services in the
amounts  set  forth  on  summary  of  lease.  Sublessee  acknowledges  that  any
disclosure by Sublessee of the existence of such temporary waiver or the amounts
thereof could cause  Sublessor  certain  economic harm.  Accordingly,  Sublessee
agrees that it will hold in confidence all information  concerning the terms and
conditions of this Sublease and will not disclose any of such information to any
third  party at any time  during  or after  the  termination  of this  Sublease,
without  the prior  written  consent  of the  Sublessor  having  been  obtained;
provided,   however,  that  Sublessee  may  disclose  such  information  to  its
professional service providers and to any relevant taxing authority,  as well as
to comply with an order  therefor of a court of competent  jurisdiction.  In the
event of any unauthorized  disclosure of any such information and in furtherance
of Sublessor's  rights as set forth in subsection (iii),  above, and in addition
to any other  rights and  remedies  to which the  Sublessor  otherwise  might be
entitled.  Sublessee shall, within ten (10) days written demand therefor, tender
to  Sublessor  such amounts as to which  Sublessor  had  previously  temporarily
waived,  or  was  currently  temporarily  waiving,  collection.  The  terms  and
conditions of this section shall not apply to any information that has otherwise
been publicly disclosed by te Sublessor.

18.      DEFAULT.

         18.1 The  occurrence of any of the following  shall be event of default
under this Sublease: (i) Sublessee defaults in payments of rent or any other sum
of money to be paid pursuant to the terms of this Sublease for a period of three
(3) days after written notice thereof from Sublessor; (ii) Sublessee defaults in
the  performance  of any  other  term,  covenant,  condition  or  obligation  of
Sublessee  under this Sublease and fails to cure such default within a period of
twenty (20) days after receipt of notice from Sublessor  specifying such default
(or if such  default  specified  is not  capable of cure within such twenty (20)
days after receipt of notice from Sublessee fails  immediately after notice from
Sublessor to commence to cure such default and  diligently to pursue  completion
of such cure during and after such twenty (20) day  period);  (iii) if Sublessee
abandons or vacates any portion of the  Premises  for fifteen  (15)  consecutive
days; (iv) if Sublessee makes any transfer, assignment, conveyance, sale, pledge
or  disposition  of all or a substantial  portion of the Premises  other than by
reason of an  assignment  or  subletting  of the Premises  under the  conditions
permitted  under this Sublease;  or (v) if Sublessee's  interest  herein is sold
under execution.

         18.2  Upon any  event  of  default,  Sublessor  shall  have all  rights
specified under the laws of the State of California.

         18.3 In the event of default,  Sublessor may charge te following  costs
for  actions  taken to rectify the state of  default.  Sublessor  will charge an
administrative  fee of $100.00 for the issuance of a "3-day  Notice".  Sublessor
will charge a reconnect fee for any full or partial  disconnects  resulting from
default.

         18.4 In the event of default, and once Sublessee has failed to cure a 3
day  notice,  Sublessor  waives  all of his  rights to occupy one or more of the
offices he leases from  Sublessor.  Sublessor,  at Sublessee  sole cost,  and at
Sublessee's own risk, will move and store Sublessee

                                  Page 7 of 12
<PAGE>

property and belongings to a proper storage  facility,  where  Sublessee will be
able to recover his/her property upon demand.

19.      NOTICES.

         19.1 All notices, demands or other communications  ("Notice") permitted
or required to be given  hereunder shall be in writing,  and if mailed,  postage
prepaid  shall be deemed given three (3) days after the date of mailing  thereof
or on the date of actual receipt whichever is sooner, all other notices shall be
deemed  given on the date of  actual  receipt.  Notices  shall be  addressed  as
follows:

         (a)      If to  Sublessor,  to the address  specified on the  signature
                  page of this Sublease; and

         (b)      If to Sublessee, its address at the Premises;

         (c)      Sublessor  may from time to time by written  notice  designate
                  such other place to receive future notices.

         19.2 Once Sublessee has given notice to vacate said premises, Sublessor
reserves the right to show the Premises to prospective  tenants during or before
or after normal business hours.

20.      SMOKING.

         20.1 To preserve the quality of the  enviRONment in the executive sites
of which the premises are a part, Sublessee agrees that smoking is not permitted
within the confines of the  Premises,  the  executive  suites,  and on the floor
where such suites are located.

21.      ATTORNEY'S FEES.

         21.1 If any party  brings an action to enforce  the terms  hereof or to
declare rights hereunder,  the prevailing party in any such action, on trial and
appeal,  shall be entitled to his reasonable  attorney's  fees to be paid by the
losing party as fixed by the Court.

22.      SUBLESSEE/EMPLOYEE RELATIONS.

         22.1 The suite staff and Suite Manager do not report to Sublessee,  nor
are they employees of Sublessee.

         22.2 Sublessee  acknowledges  that  Sublessor has invested  significant
time and effort at a substantial cost to trail its staff and management.  Should
Sublessee hire a staff or management  member,  or should  Sublessee  encourage a
staff or management member to leave the employ of Sublessor,  Sublessee will pay
Sublessor a finder's fee of $7,500.00 for each such staff or  management  member
so hired or encouraged to leave.

23.      RELOCATION OF PREMISES.

         23.1 Sublessor shall have the right to relocate the Premises to another
part of Sublessor's estate in accordance with the following:

                                  Page 8 of 12
<PAGE>

         (a)      The new  premises  shall  be  substantially  the same in size,
                  dimensions,  configuration,  decor, and nature as the Premises
                  described in this Sublease;

         (b)      Sublessor  shall  give  Sublessee  not less than ten (10) days
                  written  notice  of  Sublessor's  intention  to  relocate  the
                  premises.

         (c)      As nearly as practicable, the physical relocation of Sublessee
                  from the  Premises to the new  premises  shall take place on a
                  weekend and shall be completed  before the  following  Monday.
                  Upon  completion of such  relocation,  the new premises  shall
                  become the "Premises" under this Sublease.

         (d)      The  direct  costs  of any such  relocation  shall be borne by
                  Sublessor; and

         (e)      The parties hereto shall  immediately  execute an amendment to
                  this Sublease setting forth the relocation of the Premises and
                  any other modifications to the terms of this Sublease.

24.      USE RESTRICTION.

         24.1 No portion of the  Premises  shall be used by Sublessee to provide
similar  services as those offered by Sublessor which would create a conflict of
interest.  Should the  situation  arise,  penalties and damages will be sough by
Sublessor at Sublessee's expense.

25.      CREDIT REPORT.

         25.1   Sublessee   will  complete  and  return  the  requested   credit
application prior to the commencement of said lease term.  Sublessee  authorizes
Sublessor to run a credit report at Sublessee's sole cost.

26.      ADDENDUM.

         26.1 This Sublease shall also include  Paragraphs  through as set forth
on the Addendum attached hereto.

                                  Page 9 of 12
<PAGE>

                                SUMMARY OF LEASE
<TABLE>
<CAPTION>
<S>                                        <C>
Sublessor:                            GREAT OFFICES, INC./AMERICAN OFFICE CENTERS, L.L.C.

Sublessee:                            Trinity Medical Group USA Inc.

Premises:                             30021 Tomas Street, Suite 300 RSM, CA  92688

Office #:                             14 a&b

Lease Term:                           1 Year

Start:                                12/1/00

End:                                  11/30/01

Monthly Rent:                         $1,800.00

Additional Rent:                      Telephone Equipment:        $  50.00
                                      Telephone Lines:            $  50.00
                                      Facsimile Lines & Ports:    $  40.00
                                      Internet, Modem Lines
                                      & Ports:                    $ 120.00 (T-1 Access for 2)
                                      Administrative Services:    $

Security Deposit:                     $2,060.00

Additional Refundable                 Telephone  Equipment waived,  First set of
  Deposits:                           keys: waived. Any damage to phone or other
                                      office equipment will be paid in full by
                                      Sublessee.

Disclaimer:                           Sublessee  understands that any security3
                                      deposits withheld by Sublessor may not be
                                      applied or credited against any rent due.

Rental                                Payment: I, the undersigned,  acknowledged
                                      that  rent &  services  are due on the 1st
                                      day of te  month  and  that  penalties  or
                                      notice to vacate  could be  imposed by the
                                      3rd  day  of  the   month   if  rent   and
                                      additional   rent  then  due  has  not  be
                                      rendered to Sublessor.

Penalties:                            6% of total invoice or $50, whichever is
                                      greater, for each late payment 10% of
                                      total invoice or $20, whichever is
                                      greater, for each returned check.

Notice Conditions:                    Notice must be given on or before the last
                                      day  of  the  month  prior to  the 60 day
                                      period.

TelephoneService:                     I, the  undersigned,  acknowledged  that I
                                      am liable to Great Offices, Inc./ American
                                      Office Centers,  L.L.C.,  for the  payment
                                      of all additional   rent  relating  to  telephone
                                      equipment,  extensions  and lines.  In the
                                      event I am not in the  position to meet my
                                      obligations,  I  authorize  Sublessor,  or
                                      designee,    to   remove   equipment   and
                                      terminate extensions and lines immediately
                                      when notified by verbal notice only.

Read & Accepted:                      /s/ Gary E. Wilson
                                      -----------------------------
                                      Gary E. Wilson

Dated:                                September 28, 2000
</TABLE>

                                  Page 10 of 12
<PAGE>

                                 SIGNATURE PAGE

SUBLESSOR:       GREAT OFFICES, INC./AMERICAN OFFICE CENTERS, L.L.C.

       AT:       Corporate Office
                 17011 Beach Boulevard, Suite 900
                 Huntington Beach, CA  92647

     DATE:       October 16, 2000

                 By: /s/ Anna Lopez
                    ----------------------

w/copy to:

Randolf Katz
Arter & Hadden
Jamboree Center
5 Park Plaza, Ste. 1000
Irvine, CA  92614

SUBLESSEE:       Trinity Medical Group USA Inc.

     DATE:
                 By:/s/ Gary E. Wilson
                    ------------------------
                    Name: Gary E. Wilson
                    Title: Chief Financial Officer

                                  Page 11 of 12
<PAGE>

                                  ATTACHMENT A

                                COLLECTION POLICY

ARTICLE 1
---------

                         All rents and services are due on the first day of each
                         month, unless specified otherwise in the sublease.

ARTICLE 2
---------

                         As a courtesy to those who have  payments  mailed in, a
                         grace  period  through  the third day of the month,  no
                         later than 5:00 PM, is extended.

ARTICLE 3
---------

                         At 5:00 PM late  fees  on the  third  calendar  day are
                         automatically charged to the account. Late fees are not
                         reversible  and  are due in full  upon  submittance  of
                         statement.

ARTICLE 4
---------
                         If  payment  has not  been  received  by 5:00 PM on the
                         fifth day of the month, a partial disconnect will occur
                         on all bill back services,  including,  but not limited
                         to:

                         o        Telephone Usage, Dial Tone
                         o        Mailing Equipment
                         o        Photocopies, etc.

ARTICLE 5
---------
                         On the seventh day of the month, a three-day  notice to
                         pay or quit will be issued.  This three-day notice will
                         become  effective  at 5:00 PM on the  eighth day of the
                         month.  Full disconnect will then take place as well as
                         legal  procedure  to recover any  outstanding  debt for
                         rent and services.

                         o        A three-day  notice will incur the following
                                  charges:
                         o        $250 Administration Fee
                         o        $100 for Reconnect Fees

IMPORTANT:
---------

                         A three-day notice will be immediately  reported to the
following credit bureaus:

                         o        TRW
                         o        Dun & Bradstreet
                         o        Trans Union

No further  credit will be extended by Great  Offices and all services are to be
paid in cash in advance.

IMPORTANT:
---------

                  o        All dates are based on calendar  days and not working
                           days.
                  o        Once  open  credit  has  been  lifted,  a  six  month
                           moratorium on reinstatement will be instituted.
                           o        Partial disconnect: Authorization codes will
                                    be removed  from all  equipment.  Telephones
                                    will be restricted to prevent outgoing calls
                                    from being  made,  although  incoming  calls
                                    still  can  be   answered   by  the  suite's
                                    receptionist.
                           o        Full  disconnect:  Same as above except that
                                    telephones  will not be  answered  and calls
                                    will  connect  directly to voice  mail.  You
                                    will not be able to access  voice mail until
                                    full payment is made.

PAYMENT:
-------

                  o        All payments are due in full. Payment must include:

                           o        Current  invoices (Rent,  Services,  and any
                                    other Charges)
                           o        Late fees
                           o        Any past due amounts

                  o        If you dispute any charge,  please  notify the Credit
                           Manager at  714/375-6668  immediately so we can query
                           and resolve the problem in a timely manner.
                  o        If you withhold  rent payment in a dispute,  you will
                           be in default of your lease and procedures to collect
                           will be enforced.
                  o        If you think you may be late,  please notify Accounts
                           Receivable  immediately so that  arrangements  can be
                           made  if  possible  before  a  delinquent   situation
                           occurs.
                  o        We have a long  history of working  with our tenants;
                           so, do not hesitate to call when you need help.

                           Tenants Signature:  /s/ Gary E. Wilson
                           AOC Manager:       /s/ Kayli Pearsall

                                  Page 12 of 12

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