Document:

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                                                                   EXHIBIT 10.12

 NON-QUALIFIED STOCK OPTION AGREEMENT PURSUANT TO THE 1999 EQUITY INCENTIVE PLAN

This NON-QUALIFIED STOCK OPTION AGREEMENT (this "Agreement") is made as of the
15-Jan-97, by Unitrend Inc, a Nevada corporation (the "Corporation"), and Martha
A. Moloney, ("Holder").

WITNESSETH:

The Corporation has determined that it is in the best interests of the
Corporation and its shareholders to encourage ownership in the Corporation by
qualified employees, officers, and members of the Board of Directors of the
Corporation or individuals as may be determined, thereby providing additional
incentive for them to continue in the employ of or provide services to the
Corporation or its affiliates. To that end, a non-qualified stock option is
granted by the Board to Holder pursuant, and subject to, the 1999 Equity
Incentive Plan (the "Plan") on the following terms and conditions:

SECTION I
DEFINED TERMS

Unless otherwise defined herein or, unless the context requires a different
definition, capitalized terms used herein shall have the meanings assigned to
them in the Plan.

SECTION II
OPTIONED SHARES, OPTION PRICE AND TIME OF EXERCISE

Effective as of 15-Jan-97, the Corporation grants to Holder, subject to the
terms and provisions set forth hereinafter and in the Plan, the right and option
to purchase all or any part of the number of shares set forth in Exhibit A of
the presently authorized but unissued common stock ("Common Stock"), of the
Corporation at the purchase price per share set forth as the Option Price in
Exhibit A (the option hereby granted being hereinafter referred to as the
"Option"). This Option shall not be treated as an Incentive Stock Option.

The Option shall not be considered granted (as of the effective date described
above) or become exercisable unless and until Holder delivers to the Corporation
a fully executed counterpart hereof. Thereafter, the Option shall be exercisable
in accordance with the Exercise Schedule set forth on Exhibit A, subject to any
termination, acceleration or change in such Exercise Schedule set forth in this
Agreement apart from Exhibit A.

The Option granted under this Agreement shall not be exercisable after the
Expiration of ten (10) years from the date such option is granted ("the
Expiration Date" set forth on Exhibit A) and, before that time, the Option may
be terminated as hereinafter provided. If Employee does not purchase the full
number of shares to which he is entitled in any one year, he may purchase such
shares in the next year specified in the Exercise Schedule hereto, in addition
to the shares which he is otherwise entitled to purchase in the next year.

SECTION III
EXERCISE PROCEDURE AND WITHHOLDING

Holder shall exercise the Option by notifying the Corporation of the number of
shares that he desires to purchase and by delivering with such notice the full
payment for the purchase price of the shares being purchased. Such purchase
price shall be payable in cash or other means as may be determined by the Board.
For purposes of determining the amount, if any, of the purchase price satisfied
by payment in Common Stock, such Common Stock

                                      C-1
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shall be valued at its Fair Market Value on the date of exercise, as determined
by the Board at the time of exercise. In no event, shall the purchase price be
less than eighty-five percent (85%) of the fair value of such stock at the time
the Option is granted; except that the purchase price shall be one hundred ten
percent (110%) of the fair value in the case of any person who owns stock
possessing more than ten percent (10%) of the total combined voting power of all
classes of stock of the Corporation. Any Common Stock delivered in satisfaction
of all or a portion of the purchase price shall be appropriately endorsed for
transfer and assignment to the Corporation.

The Corporation will, as soon as is reasonably possible, notify the Holder of
the amount of withholding tax, if any, that must be paid under federal, state
and local law due to exercise of the Option. The Corporation shall have no
obligation to deliver certificates for the shares purchased until Holder pays to
the Corporation the amount of withholding specified in the Corporation's notice
in cash or in Common Stock. Alternatively, Holder may direct the Corporation to
withhold that number of shares of Common Stock (valued according to the
procedures set forth in this section on the date of withholding) sufficient to
satisfy such obligation, subject to such restrictions or procedures as the Board
deems necessary.

SECTION IV
TERMINATION OF EMPLOYMENT/SERVICE

If an Optionee's employment (or other service) with the Company terminates
either (i) for Cause or (ii) voluntary on the part of the Optionee and without
Good Reason (as determined by the Board, in its sole discretion), the options,
to the extent not previously exercised, will terminate on the date of such
termination of employment (or service) unless otherwise indicated by the Board.
If an Optionee's employment or other service with the Company terminates for
reasons other than (a) termination that is either (i) for Cause, (ii) voluntary
on the part of the Optionee and without Good Reason, (b) termination by reason
of disability and (c) death, options under the Plan may be exercised not later
than three (3) months after such termination, but may be exercised only to the
extent the options were exercisable on the date of termination, and in no event
after ten (10) years from the date of granting thereof. Except as may be
otherwise provided in this Agreement, the Option granted hereunder shall not be
affected by any change of employment so long as Employee continues to be
employed by the Corporation, a Parent Corporation, or a Subsidiary. Options
granted for past employees at the time the Plan was adopted, shall have a three
(3) year period after the date that a registration statement for a public
offering of the Corporation's stock becomes effective with the Securities and
Exchange Commission. If such Options are not exercised within the time period
allotted above, the Options will be terminated, cancelled and void.

"Cause" shall mean, as determined by the Board, in its absolute discretion, (i)
the continued failure of the Holder to substantially perform his duties to the
Corporation, a Parent Corporation or a Subsidiary (other than any such failure
resulting from disability as defined above), (ii) the engaging by the Holder in
willful, reckless or grossly negligent misconduct which is determined by the
Board to be materially injurious to the Corporation or any of its affiliates,
monetarily or otherwise, or (iii) the Holder's pleading guilty to or conviction
of a felony.

"Good Reason" shall mean, as determined by the Board, in its absolute
discretion, the occurrence of any of the following events without Holder's
express written consent:

(i)      a substantial and adverse change in the Holder's duties, control,
         authority or status or position, or the assignment to the Holder or any
         duties or responsibilities which are inconsistent with such status or
         position, or a reduction in the duties and responsibilities previously
         exercised by the Holder, or a loss of title, loss of office, loss of
         significant authority, power or control, or any removal of him or her
         from or any failure to reappoint or reelect him to such positions,
         except in connection with the termination of his employment for Cause
         or disability (as defined above), or as a result of his death;

(ii)     a reduction in the Holder's base salary or a material reduction in the
         Holder's total compensation (i.e., a reduction in such total
         compensation of ten (10) percent or more); or

(iii)    any material breach by the Corporation of any provisions of any
         agreement with the Holder.

                                      C-2
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SECTION V
ACCELERATION OF EXERCISE

(a)      Retirement and Total and Permanent Disability. If an Optionee should
         become permanently and totally disabled while an employee, non-employee
         director or officer of the Company, options shall become fully
         exercisable as to all shares subject to them and may be exercised at
         any time within one (1) year following the date of disability, but in
         no event after the Expiration Date set forth on Exhibit A. If an
         Optionee should retire with the written consent of the Company, options
         shall become fully exercisable as to all shares subject to them and may
         be exercised at any time within three (3) months of such retirement,
         but in no event after the Expiration Date set forth on Exhibit A.

(b)      Death. If an Optionee should die while an employee, options may be
         exercised at any time within one (1) year following the date of death,
         but in no event after the earlier of (i) the date one year following
         the Employee's date of death, or (ii) the Expiration Date set forth on
         Exhibit A hereto. Such Option may be exercised by the beneficiary
         designated by the Employee on Exhibit B hereto, in accordance with
         Section X hereto, or, if no beneficiary is designated on Exhibit B, by
         the executor or administrator of the Employee's estate.

(c)      Corporate Change. Upon the occurrence of a Corporate Change, the Option
         (to the extent not previously terminated or forfeited) may, at the
         discretion of the Board, become fully exercisable as to all shares
         subject to it.

SECTION VI
NON-ASSIGNABILITY AND TERM OF OPTION

The Option shall not be transferable or assignable by the Holder, otherwise than
by will or the laws of descent and distribution and the Option shall be
exercisable, during the Holder's lifetime, only by him or, during periods of
legal disability, by his legal representative. No Option shall be subject to
execution, attachment, or similar process.

In no event may the Option be exercisable to any extent by anyone after the
Expiration Date specified in Exhibit A. It is expressly agreed that, anything
contained herein to the contrary notwithstanding, this Agreement shall not
constitute, or be evidence of, any agreement or understanding, express or
implied, that the Corporation, a Parent Corporation or a Subsidiary will employ
Holder for any period of time or in any position or for any particular
compensation.

SECTION VII
RIGHTS OF HOLDER IN STOCK

Neither Holder, nor his successor in interest, shall have any of the rights of a
shareholder of the Corporation with respect to the shares for which the Option
is issued until such shares are exercised by the Corporation.

SECTION VIII
NOTICES

Any notice to be given hereunder shall be in writing and shall be addressed to
the Corporation, in care of the Director of Administration at 4665 West Bancroft
Street, Toledo, Ohio, 43615 and any notice to be given to the Holder shall be
addressed to the address designated below the signature appearing hereinafter,
or at such other address as either party may hereafter designate in writing to
the other. Any such notice shall have been deemed duly given upon three (3) days
of sending such notice enclosed in a properly sealed envelope, addressed as
aforesaid, registered or certified and deposited (with the proper postage and
registration or certificate fee prepaid) in the United States mail.

                                      C-3
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SECTION IX
SUCCESSORS OR ASSIGNS OF THE CORPORATION

The Option shall be binding upon and shall inure to the benefit of any successor
of the Corporation.

SECTION X
MISCELLANEOUS

(a)      Designation of Beneficiary. The Holder shall have the right to appoint
         any individual or legal entity in writing, on Exhibit B hereto, as his
         beneficiary to receive any Option (to the extent not previously
         exercised, terminated or forfeited) under this Agreement upon the
         Holder's death. Such designation under this Agreement may be revoked by
         the Holder at any time and a new beneficiary may be appointed by the
         Holder by execution and submission to the Board of a revised Exhibit B
         to this Agreement. In order to be effective, a designation of
         beneficiary must be completed by the Holder on Exhibit B and received
         by the Board, or its designee, prior to the date of the Holder's death.
         In the absence of such designation, the Holder's beneficiary shall be
         the person designated under the Employee's will or as defined by the
         applicable state laws of the decedent's distribution.

(b)      Incapacity of Holder or Beneficiary. If any person entitled to a
         distribution under this Agreement is deemed by the Board to be
         incapable of making an election hereunder or of personally receiving
         and giving a valid receipt for such distribution hereunder, then,
         unless and until an election or claim therefore shall have been made by
         a duly appointed guardian or other legal representative of such person,
         the Board may provide for such election or distribution or any part
         thereof to be made to any other person or institution then contributing
         toward or providing for the care and maintenance of such person. Any
         such distribution shall be a distribution for the account of such
         person and a complete discharge of any liability of the Board, the
         Corporation and the Plan therefore.

(c)      Cancellation of Verbal Options. This contact cancels and supercedes any
         oral grant of options. The Employee agrees to waive rights to oral
         options and consents that this written contact represents and
         encompasses any verbal options that may have been granted to the
         Optionee.

(d)      Incorporation of the Plan. The terms and provisions of the Plan are
         hereby incorporated in this Agreement. Unless otherwise specifically
         stated herein, such terms and provisions shall control in the event of
         any inconsistency between the Plan and this Agreement.

(e)      Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE
         STATE OF OHIO AND ALL APPLICABLE FEDERAL LAWS. THE SECURITIES ISSUED
         HEREUNDER SHALL BE GOVERNED BY AND IN ACCORDANCE WITH THE CORPORATE
         SECURITIES LAWS OF THE STATE OF OHIO.

(f)      Gender. Reference to the masculine herein shall be deemed to include
         the feminine, wherever appropriate.

(g)      Counterparts. This Agreement may be executed in one or more
         counterparts, which shall together constitute a valid and binding
         agreement.

IN WITNESS WHEREOF, this Agreement has been executed by the Corporation and the
Holder as of the date and year first written above.

Holder /s/Martha Moloney                 Unitrend Inc., a Nevada corporation

Address:   [omitted]                     By:  Conrad A.H. Jelinger
                                         Title:  President

                                      C-4
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EXHIBIT A
NON-QUALIFIED STOCK OPTION AGREEMENT PURSUANT TO THE 1999 EQUITY INCENTIVE PLAN

1.       Date of Grant:             15-Jan-97

2.       Holder:                    Martha A. Moloney,

3.       Number of Shares:          532,000 shares of Common Stock

4.       Option Price Per Share:    $0.50 per share

5.       Vesting Schedule           1/3 each year for 3 years

6.       Exercise Schedule:         33% of the Options subject to this Agreement
                                    shall first be exercisable one (1) year
                                    after the Date of Grant specified above.

                                    33% of the Options subject to this Agreement
                                    shall thereafter be exercisable on each
                                    anniversary date of the Date of Grant
                                    specified above until the Options are fully
                                    exercisable.

7.       Expiration Date:           Date of grant, 2007 (not more than ten (10)
                                    years from Date of Grant).

THIS OPTION IS NOT AN INCENTIVE STOCK OPTION. NOTWITHSTANDING ANY OF THE
PROVISIONS OF THIS EXHIBIT A, OPTIONS GRANTED FOR PAST EMPLOYEES AT THE TIME THE
PLAN WAS ADOPTED, SHALL HAVE A THREE (3) YEAR PERIOD AFTER THE DATE THAT A
REGISTRATION STATEMENT FOR A PUBLIC OFFERING OF THE CORPORATION'S STOCK BECOMES
EFFECTIVE WITH THE SECURITIES AND EXCHANGE COMMISSION. IF SUCH OPTIONS ARE NOT
EXERCISED WITHIN THE TIME PERIOD ALLOTTED ABOVE, THE OPTIONS WILL BE TERMINATED,
CANCELLED AND VOID.

                                      C-5
<PAGE>   6
                  NON-QUALIFIED STOCK OPTION AGREEMENT PURSUANT
                       TO THE 1999 EQUITY INCENTIVE PLAN

This NON-QUALIFIED STOCK OPTION AGREEMENT (this "Agreement") is made as of the
15-Jan-98, by Unitrend Inc, a Nevada corporation (the "Corporation"), and Martha
A. Moloney, ("Holder").

WITNESSETH:

The Corporation has determined that it is in the best interests of the
Corporation and its shareholders to encourage ownership in the Corporation by
qualified employees, officers, and members of the Board of Directors of the
Corporation or individuals as may be determined, thereby providing additional
incentive for them to continue in the employ of or provide services to the
Corporation or its affiliates. To that end, a non-qualified stock option is
granted by the Board to Holder pursuant, and subject to, the 1999 Equity
Incentive Plan (the "Plan") on the following terms and conditions:

SECTION I
DEFINED TERMS

Unless otherwise defined herein or, unless the context requires a different
definition, capitalized terms used herein shall have the meanings assigned to
them in the Plan.

SECTION II
OPTIONED SHARES, OPTION PRICE AND TIME OF EXERCISE

Effective as of 15-Jan-98, the Corporation grants to Holder, subject to the
terms and provisions set forth hereinafter and in the Plan, the right and option
to purchase all or any part of the number of shares set forth in Exhibit A of
the presently authorized but unissued common stock ("Common Stock"), of the
Corporation at the purchase price per share set forth as the Option Price in
Exhibit A (the option hereby granted being hereinafter referred to as the
"Option"). This Option shall not be treated as an Incentive Stock Option.

The Option shall not be considered granted (as of the effective date described
above) or become exercisable unless and until Holder delivers to the Corporation
a fully executed counterpart hereof. Thereafter, the Option shall be exercisable
in accordance with the Exercise Schedule set forth on Exhibit A, subject to any
termination, acceleration or change in such Exercise Schedule set forth in this
Agreement apart from Exhibit A.

The Option granted under this Agreement shall not be exercisable after the
Expiration of ten (10) years from the date such option is granted ("the
Expiration Date" set forth on Exhibit A) and, before that time, the Option may
be terminated as hereinafter provided. If Employee does not purchase the full
number of shares to which he is entitled in any one year, he may purchase such
shares in the next year specified in the Exercise Schedule hereto, in addition
to the shares which he is otherwise entitled to purchase in the next year.

SECTION III
EXERCISE PROCEDURE AND WITHHOLDING

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Holder shall exercise the Option by notifying the Corporation of the number of
shares that he desires to purchase and by delivering with such notice the full
payment for the purchase price of the shares being purchased. Such purchase
price shall be payable in cash or other means as may be determined by the Board.
For purposes of determining the amount, if any, of the purchase price satisfied
by payment in Common Stock, such Common Stock shall be valued at its Fair Market
Value on the date of exercise, as determined by the Board at the time of
exercise. In no event, shall the purchase price be less than eighty-five percent
(85%) of the fair value of such stock at the time the Option is granted; except
that the purchase price shall be one hundred ten percent (110%) of the fair
value in the case of any person who owns stock possessing more than ten percent
(10%) of the total combined voting power of all classes of stock of the
Corporation. Any Common Stock delivered in satisfaction of all or a portion of
the purchase price shall be appropriately endorsed for transfer and assignment
to the Corporation.

The Corporation will, as soon as is reasonably possible, notify the Holder of
the amount of withholding tax, if any, that must be paid under federal, state
and local law due to exercise of the Option. The Corporation shall have no
obligation to deliver certificates for the shares purchased until Holder pays to
the Corporation the amount of withholding specified in the Corporation's notice
in cash or in Common Stock. Alternatively, Holder may direct the Corporation to
withhold that number of shares of Common Stock (valued according to the
procedures set forth in this section on the date of withholding) sufficient to
satisfy such obligation, subject to such restrictions or procedures as the Board
deems necessary.

SECTION IV
TERMINATION OF EMPLOYMENT/SERVICE

If an Optionee's employment (or other service) with the Company terminates
either (i) for Cause or (ii) voluntary on the part of the Optionee and without
Good Reason (as determined by the Board, in its sole discretion), the options,
to the extent not previously exercised, will terminate on the date of such
termination of employment (or service) unless otherwise indicated by the Board.
If an Optionee's employment or other service with the Company terminates for
reasons other than (a) termination that is either (i) for Cause, (ii) voluntary
on the part of the Optionee and without Good Reason, (b) termination by reason
of disability and (c) death, options under the Plan may be exercised not later
than three (3) months after such termination, but may be exercised only to the
extent the options were exercisable on the date of termination, and in no event
after ten (10) years from the date of granting thereof. Except as may be
otherwise provided in this Agreement, the Option granted hereunder shall not be
affected by any change of employment so long as Employee continues to be
employed by the Corporation, a Parent Corporation, or a Subsidiary. Options
granted for past employees at the time the Plan was adopted, shall have a three
(3) year period after the date that a registration statement for a public
offering of the Corporation's stock becomes effective with the Securities and
Exchange Commission. If such Options are not exercised within the time period
allotted above, the Options will be terminated, cancelled and void.

"Cause" shall mean, as determined by the Board, in its absolute discretion, (i)
the continued failure of the Holder to substantially perform his duties to the
Corporation, a Parent Corporation or a Subsidiary (other than any such failure
resulting from disability as defined above), (ii) the engaging by the Holder in
willful, reckless or grossly negligent misconduct which is determined by the
Board to be materially injurious to the Corporation or any of its affiliates,
monetarily or otherwise, or (iii) the Holder's pleading guilty to or conviction
of a felony.

"Good Reason" shall mean, as determined by the Board, in its absolute
discretion, the occurrence of any of the following events without Holder's
express written consent:

(i)      a substantial and adverse change in the Holder's duties, control,
         authority or status or position, or the assignment to the Holder or any
         duties or responsibilities which are inconsistent with such status or
         position, or a reduction in the duties and responsibilities previously
         exercised by the Holder, or a loss of title, loss of office, loss of
         significant authority, power or control, or any removal of him or her
         from or any failure to reappoint or reelect him to such positions,
         except in

                                      C-7
<PAGE>   8
         connection with the termination of his employment for Cause or
         disability (as defined above), or as a result of his death;

(ii)     a reduction in the Holder's base salary or a material reduction in the
         Holder's total compensation (i.e., a reduction in such total
         compensation of ten (10) percent or more); or

(iii)    any material breach by the Corporation of any provisions of any
         agreement with the Holder.

SECTION V
ACCELERATION OF EXERCISE

(a)      Retirement and Total and Permanent Disability. If an Optionee should
         become permanently and totally disabled while an employee, non-employee
         director or officer of the Company, options shall become fully
         exercisable as to all shares subject to them and may be exercised at
         any time within one (1) year following the date of disability, but in
         no event after the Expiration Date set forth on Exhibit A. If an
         Optionee should retire with the written consent of the Company, options
         shall become fully exercisable as to all shares subject to them and may
         be exercised at any time within three (3) months of such retirement,
         but in no event after the Expiration Date set forth on Exhibit A.

(b)      Death. If an Optionee should die while an employee, options may be
         exercised at any time within one (1) year following the date of death,
         but in no event after the earlier of (i) the date one year following
         the Employee's date of death, or (ii) the Expiration Date set forth on
         Exhibit A hereto. Such Option may be exercised by the beneficiary
         designated by the Employee on Exhibit B hereto, in accordance with
         Section X hereto, or, if no beneficiary is designated on Exhibit B, by
         the executor or administrator of the Employee's estate.

(c)      Corporate Change. Upon the occurrence of a Corporate Change, the Option
         (to the extent not previously terminated or forfeited) may, at the
         discretion of the Board, become fully exercisable as to all shares
         subject to it.

SECTION VI
NON-ASSIGNABILITY AND TERM OF OPTION

The Option shall not be transferable or assignable by the Holder, otherwise than
by will or the laws of descent and distribution and the Option shall be
exercisable, during the Holder's lifetime, only by him or, during periods of
legal disability, by his legal representative. No Option shall be subject to
execution, attachment, or similar process.

In no event may the Option be exercisable to any extent by anyone after the
Expiration Date specified in Exhibit A. It is expressly agreed that, anything
contained herein to the contrary notwithstanding, this Agreement shall not
constitute, or be evidence of, any agreement or understanding, express or
implied, that the Corporation, a Parent Corporation or a Subsidiary will employ
Holder for any period of time or in any position or for any particular
compensation.

SECTION VII
RIGHTS OF HOLDER IN STOCK

Neither Holder, nor his successor in interest, shall have any of the rights of a
shareholder of the Corporation with respect to the shares for which the Option
is issued until such shares are exercised by the Corporation.

                                      C-8
<PAGE>   9
SECTION VIII
NOTICES

Any notice to be given hereunder shall be in writing and shall be addressed to
the Corporation, in care of the Director of Administration at 4665 West Bancroft
Street, Toledo, Ohio, 43615 and any notice to be given to the Holder shall be
addressed to the address designated below the signature appearing hereinafter,
or at such other address as either party may hereafter designate in writing to
the other. Any such notice shall have been deemed duly given upon three (3) days
of sending such notice enclosed in a properly sealed envelope, addressed as
aforesaid, registered or certified and deposited (with the proper postage and
registration or certificate fee prepaid) in the United States mail.

SECTION IX
SUCCESSORS OR ASSIGNS OF THE CORPORATION

The Option shall be binding upon and shall inure to the benefit of any successor
of the Corporation.

SECTION X
MISCELLANEOUS

(a)      Designation of Beneficiary. The Holder shall have the right to appoint
         any individual or legal entity in writing, on Exhibit B hereto, as his
         beneficiary to receive any Option (to the extent not previously
         exercised, terminated or forfeited) under this Agreement upon the
         Holder's death. Such designation under this Agreement may be revoked by
         the Holder at any time and a new beneficiary may be appointed by the
         Holder by execution and submission to the Board of a revised Exhibit B
         to this Agreement. In order to be effective, a designation of
         beneficiary must be completed by the Holder on Exhibit B and received
         by the Board, or its designee, prior to the date of the Holder's death.
         In the absence of such designation, the Holder's beneficiary shall be
         the person designated under the Employee's will or as defined by the
         applicable state laws of the decedent's distribution.

(b)      Incapacity of Holder or Beneficiary. If any person entitled to a
         distribution under this Agreement is deemed by the Board to be
         incapable of making an election hereunder or of personally receiving
         and giving a valid receipt for such distribution hereunder, then,
         unless and until an election or claim therefore shall have been made by
         a duly appointed guardian or other legal representative of such person,
         the Board may provide for such election or distribution or any part
         thereof to be made to any other person or institution then contributing
         toward or providing for the care and maintenance of such person. Any
         such distribution shall be a distribution for the account of such
         person and a complete discharge of any liability of the Board, the
         Corporation and the Plan therefore.

(c)      Cancellation of Verbal Options. This contact cancels and supercedes any
         oral grant of options. The Employee agrees to waive rights to oral
         options and consents that this written contact represents and
         encompasses any verbal options that may have been granted to the
         Optionee.

(d)      Incorporation of the Plan. The terms and provisions of the Plan are
         hereby incorporated in this Agreement. Unless otherwise specifically
         stated herein, such terms and provisions shall control in the event of
         any inconsistency between the Plan and this Agreement.

(e)      Governing Law. THIS AGREEMENT SHALL BE GOVERNED BY THE LAWS OF THE
         STATE OF OHIO AND ALL APPLICABLE FEDERAL LAWS. THE SECURITIES ISSUED
         HEREUNDER SHALL BE GOVERNED BY AND IN ACCORDANCE WITH THE CORPORATE
         SECURITIES LAWS OF THE STATE OF OHIO.

                                      C-9
<PAGE>   10
(f)      Gender. Reference to the masculine herein shall be deemed to include
         the feminine, wherever appropriate.

(g)      Counterparts. This Agreement may be executed in one or more
         counterparts, which shall together constitute a valid and binding
         agreement.

IN WITNESS WHEREOF, this Agreement has been executed by the Corporation and the
Holder as of the date and year first written above.

Holder /s/Martha Moloney                    Unitrend Inc., a Nevada corporation

Address:   [omitted]                        By:  Conrad A.H. Jelinger
                                            Title: President

                                      C-10
<PAGE>   11
EXHIBIT A
NON-QUALIFIED STOCK OPTION AGREEMENT PURSUANT TO THE 1999 EQUITY INCENTIVE PLAN

1.       Date of Grant:             15-Jan-98

2.       Holder:                    Martha A. Moloney,

3.       Number of Shares:          268,000 shares of Common Stock

4.       Option Price Per Share:    $0.50 per share

5.       Vesting Schedule           1/3 each year for 3 years

6.       Exercise Schedule:         33% of the Options subject to this Agreement
                                    shall first be exercisable one (1) year
                                    after the Date of Grant specified above.

                                    33% of the Options subject to this Agreement
                                    shall thereafter be exercisable on each
                                    anniversary date of the Date of Grant
                                    specified above until the Options are fully
                                    exercisable.

7.       Expiration Date:           Date of grant, 2008 (not more than ten (10)
                                    years from Date of Grant).

THIS OPTION IS NOT AN INCENTIVE STOCK OPTION. NOTWITHSTANDING ANY OF THE
PROVISIONS OF THIS EXHIBIT A, OPTIONS GRANTED FOR PAST EMPLOYEES AT THE TIME THE
PLAN WAS ADOPTED, SHALL HAVE A THREE (3) YEAR PERIOD AFTER THE DATE THAT A
REGISTRATION STATEMENT FOR A PUBLIC OFFERING OF THE CORPORATION'S STOCK BECOMES
EFFECTIVE WITH THE SECURITIES AND EXCHANGE COMMISSION. IF SUCH OPTIONS ARE NOT
EXERCISED WITHIN THE TIME PERIOD ALLOTTED ABOVE, THE OPTIONS WILL BE TERMINATED,
CANCELLED AND VOID.

                                      C-11<PAGE>   1
                                                                   EXHIBIT 10.13

                                 PROMISSORY NOTE

$290,000.00                                                         Toledo, Ohio
                                                                    July 7, 1998

         ON OR BEFORE AUGUST 1, 2003, FOR VALUE RECEIVED, the undersigned,
UNITREND, INC., an Ohio corporation (the "Borrower") promises to pay to the
order of NATIONAL CITY BANK (the "Bank"), the principal sum of Two Hundred
Ninety Thousand and No/100 Dollars ($290,000.00) together with interest thereon
at a rate per annum equal to one and one-half percent (1.5%) in excess of the
Prime Rate as in effect from time to time. Borrower shall make one (1) payment
of interest only on August 1, 1998. Thereafter, Borrower shall make sixty (60)
consecutive monthly installments commencing on the first day of September, 1998,
and continuing on the first day of each mouth thereafter until paid in full. The
first fifty-nine (59) such installments shall be in the amount of (a) One
Thousand Six Hundred Eleven and No/100 Dollars ($1,611.00) principal plus (b)
interest due to the date of each installment. The final installment shall be
paid on August 1, 2003, in an amount equal to all unpaid principal together with
interest to that date. "Prime Rate" means the fluctuating rate of interest which
is publicly announced from time to time by Bank at its principal place of
business as being its "prime rate" or "base rate" thereafter in effect, with
each change in the Prime Rate automatically, immediately and without notice
changing the fluctuating interest rate thereafter applicable under dais note.
The Prime Rate is not necessarily the lowest rate of interest then available
from Bank on fluctuating rate loans. Interest shall be computed on a 360-day
basis and on the actual number of days elapsed. Both principal and interest are
payable at the main office of Bank in lawful money of the United States of
America

         If the Borrower fails to pay any installment of interest or fail to
repay the principal of this note in full within ten (10) days after its due
date, the Borrower, in each case, will Incur and shall pay a late charge equal
to the greater of Twenty and No/100 Dollars ($20.00) or five percent (5%) of the
unpaid amount. The payment of a late charge will not cure or constitute a waiver
of any default under this note. In addition, if the Borrower fails to make any
payment within ten (10) days of when due hereunder, the then outstanding
principal balance hereof, together with all overdue interest, shall
automatically and immediately draw interest until such default is cured at a
rate equal to two percent (2%) per annum in excess of the rate then in effect.

         Payments will be applied first to accrued but unpaid interest and fees,
in that order, on an invoice by invoice basis in the order of their respective
dates, until paid in full, then to late charges and then to principal. In its
discretion, Bank may, from time to time, unilaterally change

                                      -1-
<PAGE>   2
any provision for the application of payments by mailing a written notice to
Borrower of the change. The notice shall be mailed to the address indicated
herein or such other address that Borrowers may furnish in writing to an
appropriate officer of Bank and shall be mailed no less than fifteen (15) days
prior to the effective date of such change.

         This note is secured by an open-end real estate mortgage and security
agreement, of even date herewith, on real property located in the City of
Toledo, Lucas County, Ohio (the "Mortgage"). Reference is made to the Mortgage
for rights as to acceleration upon default under this note.

         Presentment, notice of dishonor and protest are waived by all debtors,
sureties, guarantors and endorsers.

         Borrower may prepay this note, in whole or in part, at any time before
maturity without premium or penalty. Prepayments shall be applied to the
principal installments in the inverse order of their maturities.

         Any one of the following events shall be an Event of Default under this
note:

(a)      failure to make any payment within ten (10) days of when due hereunder;

(b)      failure of any guarantor hereof to provide Bank with tax returns, cash
         How statements, and financial statements as provided in the guarantee;

(c)      occurrence of a default or Event of Default under, or as defined in,
         the mortgage or any other instrument given as security for this note;
         or

(d)      filing by, or against any of the Borrowers, any complaint or action for
         relief under any bankruptcy or insolvency laws, or for the appointment
         of a receiver; or.

If any Event of Default occurs, Bank may, at its option, accelerate the maturity
of this note. If Bank chooses to accelerate, the entire unpaid principal amount,
together with interest at the default rate set forth above, shall be immediately
due and payable, without demand or notice, both of which are expressly waived by
Borrowers.

         Borrower represents and warrants to Bank that all funds received in
consideration of the making and delivery of this note shall be used for business
or commercial purposes.

         This note shall be governed and construed in accordance with the laws
of the State of Ohio.

                                      -2-
<PAGE>   3
AS A MATERIAL INDUCEMENT FOR BANK TO MAKE THE LOAN EVIDENCED HEREBY, BORROWERS
AND BANK KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT THAT EITHER
MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY LITIGATION ARISING OUT OF, UNDER
OR IN CONNECTION WITH THIS PROMISSORY NOTE; THE LOAN EVIDENCED HEREBY; ALL
DOCUMENTS AND AGREEMENTS EXECUTED OR CONTEMPLATED TO BE EXECUTED IN CONNECTION
WITH THE LOAN EVIDENCED HEREBY; AND ANY COURSE OF CONDUCT, COURSE OF DEALING,
STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF EITHER PARTY.

         Borrower authorizes any attorney-at-law (a) to appear in any state or
federal court of record in the United States after this note matures whether
occurring by lapse of time or by acceleration; (b) to waive the issuance and
service of process; (c) to confess judgment against Borrowers in favor of the
Bank or other holder of this note for the amount then appearing due, together
with interest and costs of suit; and (d) to release all errors and waive all
rights of appeal and stay of execution. If any judgment against Borrower is
vacated for any reason, this warrant of attorney may be used to obtain
additional judgments.

              "WARNING - BY SIGNING THIS PAPER YOU GIVE UP YOUR
              RIGHT TO NOTICE AND COURT TRIAL. IF YOU DO NOT PAY
              ON TIME A COURT JUDGEMENT MAY BE TAKEN AGAINST YOU
              WITHOUT YOUR PRIOR KNOWLEDGE AND THE POWERS OF A
              COURT CAN BE USED TO COLLECT FROM YOU REGARDLESS OF
              ANY CLAIMS YOU MAY HAVE AGAINST THE CREDITOR WHETHER
              FOR RETURNED GOODS, FAULTY GOODS, FAILURE ON HIS
              PART TO COMPLY WITH THE AGREEMENT, OR ANY OTHER
              CAUSE."

                                            BORROWER:

                                            UNITREND, INC.
                                             (an Ohio corporation)

                                            By: /s/ Conrad Jelinger, Pres.
                                                --------------------------
                                                    Conrad Jelinger

                                      -3-

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