Document:

EXHIBIT 4.1

                          REGISTRATION RIGHTS AGREEMENT

     REGISTRATION RIGHTS AGREEMENT (the "Agreement"),  dated as of ____________,
2000,  executed  and  delivered  by  Net/Tech  International,  Inc.,  a Delaware
corporation  (the  "Company")  which has its principal  place of business at One
West Front street,  Suite 30,Red Bank, New Jersey 07701, in favor of the Holders
(as defined below) whose names appear on Exhibit A annexed hereto.

                                    RECITALS

     WHEREAS,  simultaneously with the execution and delivery of this Agreement,
the  Company,  pursuant to terms and  conditions  set forth in the  Confidential
Private  Offering  Memorandum of the Company,  dated May 2, 2000,  including the
exhibits thereto and any and all supplements thereof and amendments thereto, and
all documents incorporated by reference therein (collectively, the "Memorandum")
is offering (the "Offering") up to 3,000,000  shares  ("Shares") of Common Stock
(the "Common Stock") through First Montauk Securities Corp., as placement agent;

     WHEREAS,  pursuant to the Offering, the Shares are being offered on a "best
efforts all or none" basis as to 2,000,000  shares and on a "best efforts" basis
as to the remaining 1,000,000 Shares;

     WHEREAS, the terms and conditions of the Offering provide for the execution
and delivery of this  Agreement by the Company and grant to all  subscribers  in
the Offering the rights contained herein.

     NOW,  THEREFORE,  for good and  valuable  consideration,  the  receipt  and
sufficiency of which are hereby acknowledged by the Company,  the Company hereby
agrees as follows:

1.   PIGGYBACK REGISTRATION.

(a) If at any time the Company  proposes to prepare and file with the Securities
and  Exchange  Commission  (the "SEC") one or more  registration  statements  or
amendments, including post-effective amendments, or supplements thereto covering
any equity or debt  securities  of the Company,  or any such  securities  of the
Company  held by its  stockholders,  other than in  connection  with a merger or
acquisition or pursuant to a  registration  statement on Form S-4 or Form S-8 or
any successor form (for purposes of this Section 1,  collectively,  a "Piggyback
Registration Statement"),  the Company will give written notice of its intention
to do so by  registered  or  certified  mail  ("Notice"),  at least  thirty (30)
business days prior to the filing of each such Piggyback Registration Statement,
to each Person (as defined  below) who holds Shares (such Shares are referred to
herein as the  "Registrable  Shares")  and each of the  successors,  assigns and
transferees of each of such Persons (individually,  a "Holder" and collectively,
"Holders").   "Person"  as  used  herein   shall  mean  any   individual,   sole
proprietorship,  partnership,  corporation,  association,  joint venture, trust,
unincorporated  entity or other  entity,  or the  government  of any  country or
sovereign  state,  or of any state,  province,  municipality  or other political
subdivision  thereof.  Upon the  written  request of a Holder or  Holders,  made
within  twenty (20) days after receipt of the Notice,  that the Company  include
any or all of the Registrable Shares held by such Holder or Holders  ("Piggyback
Securities") in the proposed Piggyback Registration Statement (each such Holder,
a  "Requesting  Holder"),  the Company  shall use its best efforts to cause such
Piggyback  Registration  Statement to be declared effective under the Securities
Act of 1933, as amended (the "Act"), by the SEC, so as to permit the public sale
by the Requesting Holders of their Piggyback Securities pursuant thereto, at the
Company's  sole cost and  expense  and at no cost or expense  to the  Requesting
Holder (other than any underwriting or other  commissions,  discounts or fees of
any counsel or advisor to the Holder  which  shall be payable by the Holder,  as
further provided in Section 4(d) hereof) (the "Piggyback Registration").

(b) If securities are proposed to be offered for sale pursuant to such Piggyback
Registration  Statement by other  security  holders of the Company and the total
number of the Securities to be offered by the Requesting  Holders and such other
selling  security  holders is required to be reduced  pursuant to a request from
the  underwriter  or  managing  underwriter  (which  request  shall  be  made in
writing), the aggregate

<PAGE>

number of Piggyback  Securities to be offered by the Requesting Holders pursuant
to such Piggyback  Registration Statement shall equal the number which bears the
same ratio to the maximum number of securities  that the underwriter or managing
underwriter  believes  may be  included  for all the  selling  security  holders
(including  the  Requesting   Holders)  as  the  original  number  of  Piggyback
Securities  proposed  to be sold by the  Requesting  Holders  bears to the total
original number of securities  proposed to be offered by the Requesting  Holders
and the other selling securityholders.

(c) Notwithstanding the preceding  provisions of this Section, the Company shall
have the right at any time after it shall have given written notice  pursuant to
this Section 1  (irrespective  of whether any written  request for  inclusion of
Piggyback  Securities  shall  have  already  been made) to elect not to file any
proposed Piggyback  Registration Statement contemplated pursuant to this Section
1, or to  withdraw  the same after the filing  but prior to the  effective  date
thereof.

2.   AUTOMATIC REGISTRATION.

(a) In the event that the  Company  has not  registered  all of the  Registrable
Securities pursuant to Section 1 hererof within 180 days of the final closing of
the Offering then the Company shall use its best efforts to file a  registration
statement  with the SEC,  at the sole  expense  of the  Company,  and such other
documents,  including  a  prospectus,  as may be  necessary  (in the  opinion of
counsel for the Company),  in order to comply with the provisions of the Act, so
as to permit the  public  sale of the  Registrable  Shares by the  Holders.  The
registration  statement required to be filed pursuant to this Section 2 shall be
filed within 15 days of expiration of such 180 day period, and the Company shall
use its best efforts to obtain  effectiveness of the  registration  statement so
filed as soon as possible.

 (b) Once effective, the Company covenants and agrees to use its best efforts to
maintain the  effectiveness of the  Registration  Statement until the earlier of
(i) 12 months  following  the date of  effectiveness,  or (ii) the date that the
Holders of the  Registrable  Shares receive an opinion of counsel to the Company
that all of the Registrable  Shares may be freely traded (without  limitation or
restriction  as to quantity or timing and  without  registration  under the Act)
pursuant to Rule 144 or otherwise,  except that, the Company may suspend the use
of the Registration Statement for a period not to exceed 45 days in any 12-month
period for valid  business  reasons (not  including  avoidance of the  Company's
obligations  hereunder),  including the  acquisition  or  divestiture of assets,
public filings with the SEC, pending corporate developments and similar events.

3. REGISTRABLE  SHARES.  For purposes of this Agreement,  the term  "Registrable
Shares" shall also include any securities issued or issuable with respect to the
Shares  by  way of  stock  dividend  or  stock  split  or in  connection  with a
combination  of  shares,   recapitalization,   merger,  consolidation  or  other
reorganization or otherwise.  For purposes hereof, the term "Registrable Shares"
shall  include all Shares sold by the Company in the Offering.  Anything  herein
contained to the contrary notwithstanding, the term "Registrable Shares" as used
in this  Agreement  shall not  include,  Shares  after  they have been sold by a
Holder pursuant to an effective  Registration  Statement under the Act or Shares
which may be sold without volume limitation pursuant to Rule 144k.

4. ADDITIONAL COVENANTS OF THE COMPANY WITH RESPECT TO REGISTRATION. The Company
covenants and agrees as follows:

(a) In connection with any registration under Section 2 above, the Company shall
file the Registration  Statement as  expeditiously as possible,  but in no event
later than ten (10)  business  days  following  expiration of the 180 day period
referenced  in  Section 2, and use its best  efforts  to have such  Registration
Statement declared effective at the earliest possible time.

 (b) In connection  with any  registration  of  Registrable  Shares  pursuant to
Sections 1 or 2 above,  the Company  shall  furnish  each Holder of  Registrable
Shares  included in a  Registration  Statement  with such  reasonable  number of
copies  of such  Registration  Statement,  related  preliminary  prospectus  and
prospectus meeting the requirements of the Act, and other documents necessary or
incidental to the registration and

<PAGE>

public offering of such Registrable Shares, as shall be reasonably  requested by
the  Holder  to  permit  the  Holder  to  make a  public  distribution  of  such
Registrable Shares.

(c) If any  stop  order  shall  be  issued  by the SEC in  connection  with  any
Registration Statement filed pursuant to Sections 1 or 2 above, the Company will
use its best  efforts  to obtain  the  removal  of such  order.  Any stop  order
declared by the SEC, or any registration  statement  prepared and filed pursuant
hereto due to a material  misstatement  or  omission  on behalf of the  Company,
shall be without penalty to any of the registration rights granted hereunder.

(d) The Company shall pay all costs,  fees, and expenses in connection  with all
Registration  Statements  filed  pursuant to Sections 1 and 2 above,  including,
without limitation,  the Company's legal and accounting fees, printing expenses,
and blue sky fees and  expenses;  provided,  however,  that the Holders shall be
solely  responsible  for the fees of any  counsel  retained  by the  Holders  in
connection  with  such  registration  and any  transfer  taxes  or  underwriting
discounts,  commissions or fees applicable to the Registrable Shares sold by the
Holders pursuant thereto.

(e) The Company will use its best efforts to qualify,  at its sole expense,  any
Registrable Shares included in a Registration  Statement for sale in such states
as the Holders of such securities  shall  reasonably  request,  provided that no
such  qualification  will be required  in any  jurisdiction  where,  solely as a
result thereof, the Company would be subject to general service of process or to
taxation  or  qualification  as a foreign  corporation  doing  business  in such
jurisdiction.

5.   INDEMNIFICATION.

(a) In the event of any  registration  of any the  Registrable  Shares under the
Act, the Company shall  indemnify and hold harmless each Holder,  the affiliates
of each such Holder, the directors,  partners, officers, employees and agents of
each such Holder and any person who controls any such Holder  within the meaning
of the Act or the  Securities  Exchange Act of 1934,  as amended (the  "Exchange
Act"),  against any and all losses,  claims,  damages or  liabilities,  joint or
several,  to which they or any of them may  become  subject  under the Act,  the
Exchange Act or other Federal or State  statutory law or  regulation,  at common
law or otherwise,  insofar as such losses,  claims,  damages or liabilities  (or
actions in respect  thereof)  caused by,  arising  out of or based on any untrue
statement  or alleged  untrue  statement  of a material  fact  contained  in any
registration  statement under which such  securities  were registered  under the
Act,  any  preliminary  prospectus,   final  prospectus  or  summary  prospectus
contained therein,  or any amendment or supplement  thereto,  or arise out of or
are based upon any omission or alleged omission to state therein a material fact
required to be stated  therein or necessary to make the  statements  therein not
misleading,  and agrees to reimburse each such  indemnified  party, as incurred,
for any legal or other expenses  reasonably  incurred by them in connection with
investigating or defending any such loss,  claim,  damage,  liability or action;
provided,  however,  that (i) the Company  will not be liable in any case to the
extent that any such loss, claim,  damage or liability arises out of or is based
upon any such  untrue  statement  or alleged  untrue  statement  or  omission or
alleged  omission made therein in reliance  upon and in conformity  with written
information  furnished  to  the  Company  by or on  behalf  of any  such  Holder
specifically for inclusion  therein,  (ii) the Company will not be liable to any
indemnified   party  under  this   indemnity   agreement  with  respect  to  any
Registration  Statement or Prospectus  to the extent that any such loss,  claim,
damage  or  liability  of such  indemnified  party  results  from the use of the
Prospectus  during a period when the use of the Prospectus has been suspended in
accordance  with Section 4(c) hereof,  provided that the Holders  received prior
notice of such suspension, which notice shall be deemed to have been received by
such  Holders  within 48 hours after the giving  thereof;  and (iii) the Company
shall not be liable to any  indemnified  party with  respect to any  preliminary
Prospectus to the extent that any such loss, claim,  damage or liability of such
indemnified  party  results  from the fact  that  such  indemnified  party  sold
Registrable Securities to a person as to whom there was not sent or given, at or
prior to the written  confirmation  of such sale, a copy of the Prospectus or of
the Prospectus as then amended or  supplemented  in any case where such delivery
is  required  by the Act,  if the  loss,  claim,  damage  or  liability  of such
indemnified  party  results  from an untrue  statement or omission of a material
fact  contained  in  the  preliminary  Prospectus  which  was  corrected  in the
Prospectus or in the Prospectus as then amended or supplemented.  This indemnity
agreement  will be in addition to any liability  which the Company may otherwise
have. The Company also agrees to indemnify and provide contribution

<PAGE>

to each person who may be deemed to be an underwriter  (for purposes of the Act)
with respect to the Registrable Shares ("Underwriter" or "Underwriters"),  their
officers and directors,  and each person who controls each such Underwriter,  on
substantially the same basis as that of the  indemnification of and contribution
to the Holders provided in this Section 5.

(b)  As  a  condition  to  including  any  of  the  Registrable  Shares  in  any
registration  statement  filed  pursuant  to this  Agreement,  the Holder of the
Registrable  Shares,  as a prospective  seller of the Registrable  Shares hereby
agrees to indemnify and hold harmless (in the same manner and to the same extent
as set forth in subdivision (a) of this Section 5) the Company, each director of
the Company, each officer, employee or agent of the Company and each Underwriter
of the  Registrable  Shares  and each  other  person or  entity,  if any,  which
controls  the Company or such  Underwriter  within the meaning of the Act,  with
respect  to any  statement  or  alleged  statement  in, or  omission  or alleged
omission  from,  such  registration   statement,   any  preliminary  Prospectus,
Prospectus  or  summary  Prospectus  contained  therein,  or  any  amendment  or
supplement  thereto,  if such  statement  or alleged  statement  or  omission or
alleged  omission  was made in  reliance  upon and in  conformity  with  written
information furnished to the Company by the Holder for use in the preparation of
such  registration  statement,   preliminary  Prospectus,   Prospectus,  summary
Prospectus,  amendment or supplement.  Any such  indemnity  shall remain in full
force and effect,  regardless of any  investigation  made by or on behalf of the
Company or any such director,  officer or  controlling  person and shall survive
the transfer of such securities by Holder.  Anything in this Agreement contained
to the contrary notwithstanding the liability of each Holder for indemnification
or contribution hereunder shall be limited to the amount of proceeds received by
such Holder in the Offering giving rise to such liability.

(c) Promptly after receipt by an indemnified party of notice of the commencement
of any action or  proceeding  involving  a claim  referred  to in the  preceding
subdivisions  of this  Section 5, such  indemnified  party  will,  if a claim in
respect thereof is to be made against an indemnifying party, give written notice
to the latter of the  commencement of such action,  provided that the failure of
any  indemnified  party to give notice as provided  herein shall not relieve the
indemnifying  party of its obligations under the preceding  subdivisions of this
Section  5,  except to the  extent  that the  indemnifying  party is  materially
prejudiced  by such failure to give  notice.  In case any such action is brought
against an indemnified  party,  unless in such  indemnified  party's  reasonable
judgment a conflict  of  interest  between  such  indemnified  and  indemnifying
parties  may exist in respect of such  claim,  the  indemnifying  party shall be
entitled to participate in and to assume the defense  thereof,  jointly with any
other indemnifying party similarly notified, to the extent that the indemnifying
party may wish, with counsel reasonably  satisfactory to such indemnified party,
and after notice from the indemnifying  party to such  indemnified  party of its
election so to assume the defense thereof,  the indemnifying  party shall not be
liable to such  indemnified  party for any legal or other expenses  subsequently
incurred  by the  latter in  connection  with the  defense  thereof  other  than
reasonable costs of  investigation.  Notwithstanding  the  indemnifying  party's
election to appoint counsel to represent the indemnified party in an action, the
indemnified  party shall have the right to employ  separate  counsel  (including
local counsel), and the indemnifying party shall bear the reasonable fees, costs
and  expenses of such  separate  counsel  (and local  counsel) if (i) the use of
counsel  chosen by the  indemnifying  party to represent the  indemnified  party
would  present  such  counsel  with a conflict of  interest,  (ii) the actual or
potential  defendants  in, or  targets  of,  any such  action  include  both the
indemnified  party and the  indemnifying  party and the indemnified  party shall
have  reasonably  concluded  that there may be legal  defenses  available  to it
and/or other indemnified parties which are different from or additional to those
available to the indemnifying party, (iii) the indemnifying party shall not have
employed  counsel  satisfactory  to  the  indemnified  party  to  represent  the
indemnified  party within a reasonable  time after notice of the  institution of
such action or (iv) the indemnifying party shall authorize the indemnified party
to  employ  separate  counsel  at the  expense  of the  indemnifying  party.  An
indemnified  party shall not settle or compromise  any action for which it seeks
indemnification  or contribution  hereunder without the prior written consent of
the indemnifying  party,  which consent shall not be unreasonably  withheld.  An
indemnifying   party  will  not,  without  the  prior  written  consent  of  the
indemnified  parties,  settle  or  compromise  or  consent  to the  entry of any
judgment  with  respect to any  pending or  threatened  claim,  action,  suit or
proceeding in respect of which  indemnification  or  contribution  may be sought
hereunder  (whether  or not the  indemnified  parties  are  actual or  potential
parties to such claim or action) unless such

<PAGE>

settlement,  compromise  or consent  includes an  unconditional  release of each
indemnified party from all liability arising out of such claim,  action, suit or
proceeding.

(d) In the  event  that  the  indemnity  provided  in  Section  5(a)  or 5(b) is
unavailable to or  insufficient  to hold harmless an  indemnified  party for any
reason,  then each applicable  indemnifying  party, in lieu of indemnifying such
indemnified party, shall contribute to the aggregate losses, claims, damages and
liabilities (including legal or other expenses reasonably incurred in connection
with  investigating  or defending  same)  (collectively  "losses") to which such
indemnified party may be subject in such proportion as is appropriate to reflect
the relative benefits received by such indemnifying  party, on the one hand, and
such indemnified party, on the other hand, from the Registration Statement which
resulted in such losses.

(e) The  provisions  of this  Section 5 shall  remain in full  force and  effect
regardless  of any  investigation  made by or on  behalf  of any  Holder  or the
Company or any other persons who are entitled to indemnification pursuant to the
provisions  of this  Section  5, and  shall  survive  the  sale by a  Holder  of
Registrable Shares pursuant to the Registration Statement.

6. AMENDMENTS. This Agreement may not be amended, modified or supplemented,  and
waivers of or consents to departures  from the  provisions of this Agreement may
not be given,  unless it would not have an adverse effect upon the rights of any
of the Holders and the Company has obtained the written  consent of Holders then
holding a majority of the Registrable Shares.

7.  NOTICES.  Except as  otherwise  provided  in this  Agreement,  all  notices,
requests and other  communications  (which  shall  include  publication)  to any
person  provided  for  hereunder  shall be in writing and shall be given by hand
delivery,  registered or certified  mail or by any courier  providing  overnight
delivery (i) if to the Company or the initial  Holder,  at the address set forth
in the Subscription Agreement and (ii) if to a subsequent Holder, to the address
set forth on the books and records of the Company. All such notices, requests or
communications shall not be effective until received.

8. ASSIGNMENT.  This Agreement shall be binding upon and inure to the benefit of
and be enforceable by the parties  hereto.  In addition,  and whether or not any
express  assignment shall have been made, the provisions of this Agreement which
are for the benefit of Holder  shall also be for the benefit of and  enforceable
by any subsequent holder of the Registrable Shares.  Holder agrees, by accepting
any portion of the Registrable  Shares after the date hereof,  to the provisions
of this Agreement.

9.   GOVERNING LAW.

(a) THIS AGREEMENT  SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE  WITH, AND THE
RIGHTS OF THE PARTIES  SHALL BE  GOVERNED  BY, THE LAWS OF THE STATE OF DELAWARE
WITHOUT REFERENCE TO THE PRINCIPLES OF CONFLICTS OF LAWS.

(b) Each of the  Company  and  Holder  hereby  irrevocably  and  unconditionally
consents to submit to the exclusive  jurisdiction  of the United States District
Court  for  the  District  of New  Jersey  (the  "New  Jersey  Courts")  for any
litigation  arising out of or relating to this  Agreement  and the  transactions
contemplated  hereby (and agrees not to commence any litigation relating thereto
except in such courts),  waives any objection to the laying of venue of any such
litigation  in the New Jersey  Courts and agrees not to plead or claim that such
litigation  brought in any New York Jersey has been  brought in an  inconvenient
forum.

10. COUNTERPARTS.  This Agreement may be executed by facsimile and may be signed
simultaneously  in any number of counterparts,  each of which shall be deemed an
original,  but all such counterparts shall together  constitute one and the same
instrument.

11. ENTIRE  AGREEMENT.  This Agreement  embodies the entire agreement of between
the Company  relating  to the subject  matter  hereof and  supersedes  all prior
agreements and understandings relating to such subject matter.

<PAGE>

12. SEVERABILITY. If any provision of this Agreement, or the application of such
provisions to any person or circumstance,  shall be held invalid,  the remainder
of  this  Agreement,  or  the  application  of  such  provision  to  persons  or
circumstances  other  than  those  to  which it is held  invalid,  shall  not be
affected thereby.

13.  THIRD PARTY  BENEFICIARIES.  The Holders  from time to time shall each be a
third party beneficiary of the agreements of the Company contained herein.

14.  HEADINGS.  The headings  which are contained in this  Agreement are for the
sole  purpose of  convenience  of  reference,  and shall not limit or  otherwise
affect the interpretation of any of the provisions hereof.

15. FURTHER ASSURANCES. The Company will from time to time after the date hereof
take any and all  actions,  and  execute,  acknowledge  and  deliver any and all
documents and instruments,  at its cost and expense, as any Holder may from time
to time reasonably  request in order to more fully perfect or protect the rights
intended to be granted to it hereunder.

16.  INTERPRETATION.  As used in this  Agreement,  unless the context  otherwise
requires: words describing the singular number shall include the plural and vice
versa;  words  denoting any gender shall  include all  genders;  words  denoting
natural persons shall include corporations, partnerships and other entities, and
vice versa;  and the words  "hereof",  "herein"  and  "hereunder",  and words of
similar  import,  shall  refer  to this  Agreement  as a  whole,  and not to any
particular provision of this Agreement.

17. WAIVER.  The failure of the Company or any Holder to at any time enforce any
of the  provisions  of this  Agreement  shall not be deemed or construed to be a
waiver of any such  provision,  nor to in any way  affect the  validity  of this
Agreement or any  provision  hereof or the right of the Company or any Holder to
thereafter enforce each and every provision of this Agreement.

18.  AGENT FOR  HOLDERS.  The Company and the  Holders  hereby  agree that First
Montauk  Securities  Corp.  may, at the  election of the  Holders  evidenced  by
written  notice  to the  Company,  serve as agent on behalf  of the  Holders  in
connection with the receipt or delivery of any required notice hereunder.

     IN WITNESS  WHEREOF,  the  undersigned has duly executed and delivered this
Agreement as of the date first above written.

NET/TECH INTERNATIONAL, INC.

By:____________________________
Name:
Title:

HOLDERS

NAME                                ADDRESS                            SHARESEXHIBIT 10.3

                                 ROI CORPORATION
                        COMMON STOCK LONG TERM INCENTIVE
                                STOCK OPTION PLAN

     1.  PURPOSE.  This  Plan as  authorized  by the  shareholders  of Return On
Investment  Corporation  d/b/a ROI Corporation (the "Company") on July 26, 2000,
and  adopted by the Board of  Directors  as of August 10,  2000,  is intended to
provide an incentive to employees of the Company to encourage them to own Common
Stock of the Company and to encourage  them to remain in the  employment  of the
Company.

     2. DEFINITIONS. As used herein, the following definitions apply:

     (a) "BOARD" means the Board of Directors of the Company.

     (b) "CAUSE" means (i) conduct of an Employee amounting to fraud, dishonest,
gross negligence,  willful  misconduct or excessive  absences from work, or (ii)
violating or engaging in activities prohibited by any confidentiality  agreement
or other written agreement entered into between the Company and an Employee,  or
(iii) conviction for a felony.

     (c) "CODE" means the Internal Revenue Code of 1986, as amended from time to
time.

     (d) "DISABILITY" means any illness or other physical or mental condition of
an Employee  which  renders the  Employee  incapable  of  performing  his or her
customary  and usual  duties  for the  Company,  or any  medically  determinable
illness,  or other physical or mental condition  resulting from a bodily injury,
disease or mental  disorder which in the judgment of the Stock Option  Committee
("Committee")  is permanent and continuous in nature.  The Committee may require
such  medical or other  evidence as it deems  necessary  to judge the nature and
permanency of the Employee's condition.

     (e) "COMMON STOCK" means the common stock, $.01 par value, of the Company.

     (f) "COMPANY" means Return On Investment Corporation d/b/a ROI Corporation,
a Delaware corporation.

     (g) "COMMITTEE" means the Stock Option Committee if one is appointed by the
Board in accordance with Paragraph (a) of Section 4 of the Plan.

     (h) "CONTINUOUS EMPLOYMENT" or "CONTINUOUS STATUS AS AN EMPLOYEE" means the
absence of any  interruption  or  termination  of  employment  of an Employee by
either the Employee or by the Company or any Parent or Subsidiary of the Company
whether or not such Parent or Subsidiary now exists or hereafter is organized or
acquired by or acquires the Company. Continuous Employment is not interrupted in
the case of transfers  between  locations of the Company or between the Company,
its Parent, its Subsidiaries or its successor.

     (i)  "DISPOSITION"  means any  transfer,  whether  outright or as security,
inter  vivos  or  testamentary,  with or  without  consideration,  voluntary  or
involuntary,  of all or any part of any right, title or interest  (including but
not limited to voting rights) in or to any Shares.

     (j) "EMPLOYEE" means (i) any person,  including an officer or director, who
is an Employee of the Company for  withholding  tax and FICA tax purposes or who
is an  employee  for such  purposes of any Parent or  Subsidiary  of the Company
which now exists or  hereafter  is  organized  or acquired  by or  acquires  the
Company, (ii) any member of the Board of Directors of the Company, and (iii) any
member of any committee of the Board of Directors of the Company.

<PAGE>

     (k) "OPTION" means a stock option granted pursuant to the Plan.

     (l) "OPTIONS" means the aggregate of each and every option granted pursuant
to the Plan.

     (m)  "OPTION  PRICE"  means the  option  price for the  Shares to be issued
pursuant to any Option  granted  under the Plan as set forth in Section 8 of the
Plan.

     (n) "OPTIONED  SHARES" means stock subject to an option granted pursuant to
this Plan.

     (o) "OPTIONEE" means an Employee who receives an Option.

     (p) "PARENT" means a "parent  corporation"  which is any corporation (other
than the Company) in an unbroken chain of  corporations  ending with the Company
if, at the time of the granting of the Option,  each of the  corporations  other
than the Company owns stock  possessing fifty (50%) percent or more of the total
combined  voting power of all classes of stock in one of the other  corporations
in such chain.

     (q) "PLAN" means the ROI Corporation Common Stock Long Term Incentive Stock
Option Plan, as amended from time to time.

     (r) "SHARE"  means a share of the Common Stock of the Company,  as adjusted
in accordance with Section 11 of the Plan.

     (s)  "SHARES"  means the  aggregate  of each and every  Share of the Common
Stock of the Company, as adjusted in accordance with Section 11 of the Plan.

     (t) "SHAREHOLDER" means a holder of Shares.

     (u) "SHAREHOLDERS" means holders of Shares.

     (v) "SUBSIDIARY" means a "subsidiary  corporation" which is any corporation
(other than the Company) in an unbroken chain of corporations beginning with the
Company if, at the time of the granting of the Option,  each of the corporations
other than the last  corporation  in the  unbroken  chain owns stock  possessing
fifty (50%) percent or more of the total combined voting power of all classes of
stock in one of the other corporations in such chain.

     (w)  "VEST" or  "VESTED"  means for an  Option  or  Options  to pass to the
control of and to become fixed as property in the possession of an Optionee.

     3. STOCK  SUBJECT TO THE PLAN.  Subject to the  provisions of Section 11 of
the Plan, the maximum  aggregate number of shares which may be optioned and sold
under the Plan is One Million  (1,000,000)  shares of Common Stock.  Such shares
may be authorized but unissued, or may be treasury shares.

     If an Option should expire or become  unexercisable  for any reason without
having been exercised in full, the unpurchased Shares which were subject thereto
shall,  unless the Plan shall have been  terminated,  become available for other
Options granted under the Plan.

     4. ADMINISTRATION OF THE PLAN.

     (a) PROCEDURAL  RULES.  The Plan shall be  administered  by the Board.  The
Board may appoint a Committee  consisting of not less than three (3) members who
may or may not be members of the Board to  administer  the Plan on behalf of the
Board,  subject  to such  terms  and  conditions  as the  Board  may  prescribe;
provided,  however, if the Company has a Chief Executive Officer,  one member of
the  Committee  shall  be the  Chief  Executive  Officer  of the  Company.  Once
appointed, the Committee shall continue to serve until otherwise directed by the
Board.  From time to time,  the Board may increase the size of the Committee and
appoint additional  members thereof,  remove members (with or without cause) and
appoint new members in substitution therefor, fill vacancies

                                       2
<PAGE>

however caused and remove all members of the Committee and, thereafter, directly
administer  the Plan.  A majority of the entire  Committee  shall  constitute  a
quorum and the action of a majority  of the  members  present at any  meeting at
which a quorum is  present  shall be deemed  the  action  of the  Committee.  In
addition,  any decision or determination reduced to writing and signed by all of
the members of the Committee  shall be fully as effective as if it has been made
by a majority vote at a meeting duly called and held.  The Committee may appoint
a  secretary  to keep  minutes  of its  meetings  and may make  such  rules  and
regulations for the conduct of its business as it deems advisable.

     If no  Committee  has been  appointed,  members of the Board who are either
eligible  for  Options  or have been  granted  Options  may vote on any  matters
affecting the administration of the Plan or the grant of any Options pursuant to
the Plan except that no such member shall act upon the granting of any Option to
himself or  herself,  but any such  member may be  counted  in  determining  the
existence  of a quorum at any meeting of the Board  during which action is taken
with respect to the granting of Options to him or her.

     If a Committee has been  appointed,  the members of the Committee  shall be
eligible to receive Options.

     As hereinafter used in this Plan and in any Option granted  hereunder,  the
term  "Committee"  shall  refer  to  either  the  Committee  or the  Board if no
Committee is then designated.

     (b) POWERS OF THE  COMMITTEE.  Subject to the  provisions of the Plan,  the
Committee shall have authority:  (i) to determine the Employees to whom, and the
time or times at which Options shall be granted,  and the number of shares to be
represented  by each Option;  (ii) to interpret  the Plan;  (iii) to  prescribe,
amend and rescind rules and regulations  relating to the Plan; (iv) to determine
the terms and  provisions of each Option  granted under the Plan (which need not
be identical) and, with the consent of the holder thereof,  modify or amend each
Option; (v) to accelerate any exercise date of any Option; (vi) to authorize any
person to execute on behalf of the Company any instrument required to effectuate
the grant of an Option  previously  granted  by the  Committee;  (vii) to permit
payment by the Company to an Optionee  delivering shares to the Company at their
then book value;  (viii) to authorize  loans or cash bonus  compensation  to any
Optionee in  connection  with the grant or  exercise of any Option;  and (ix) to
make  all  other   determinations   deemed   necessary  or  advisable   for  the
administration of the Plan.

     (c) EFFECT OF  COMMITTEE'S  DECISION.  All  decisions,  determinations  and
interpretations of the Committee shall be final and binding on all Optionees and
other holders of any Options granted under this Plan.

     5.  ELIGIBILITY.  Options  may  be  granted  only  to (i)  Employees,  (ii)
individuals  who were Employees  within the  immediately  preceding  twelve (12)
months  of the grant of the  Option,  and (iii)  individuals  to whom  offers of
employment  with the Company have been made with such Options  being  contingent
upon  employment  with the Company.  Any Employee who has been granted an Option
may, if he or she is  otherwise  eligible,  be granted an  additional  Option or
Options.

     6. TERM OF PLAN.  The Plan shall become  effective upon its adoption by the
Board or its  approval by vote of the  holders of a majority of the  outstanding
Shares of the Company entitled to vote on the adoption of the Plan, whichever is
earlier.  It shall  continue in effect  until  August 10,  2010,  unless  sooner
terminated  under Section 13 of the Plan. No Option may be issued after the Plan
is terminated.

     7. TERM OF OPTION. The term of each Option granted under the Plan shall not
be in excess of ten (10) years from the date of grant thereof.

     8. OPTION PRICE.  The option price for the Shares to be issued  pursuant to
any Option  granted  under the Plan shall be  determined by the Committee at the
time the Option is granted.

                                       3
<PAGE>

     9. VESTING AND EXERCISE OF OPTION.

     (a)  PROCEDURE OF VESTING AND  EXERCISE.  Any Option  granted  hereunder is
Vested  and is  exercisable  at such  times and  under  such  conditions  as are
permissible  under the terms of the Plan and of the particular Option granted to
an Optionee.

     An Option is not Vested and is not be exercisable for fractional Shares.

     An Option is exercised  when written notice of such exercise has been given
to the Company in accordance with the terms of the Option by the person entitled
to exercise  the Option and full payment of the Shares with respect to which the
Option is exercised has been received by the Company.  Until the issuance of the
stock  certificates  (as evidenced by the appropriate  entry on the books of the
Company or of a duly authorized transfer agent of the Company), no right to vote
or receive dividends or any other rights as a stockholder exists with respect to
Optioned Shares  notwithstanding  the exercise of the Option. No adjustment will
be made for a dividend or other rights for which the record date is prior to the
date the stock  certificates  are issued except as provided in Section 11 of the
Plan.

     (b) EXERCISE DURING EMPLOYMENT OR FOLLOWING DEATH OR DISABILITY.  An Option
may be  exercised  by the  Optionee  only  while he or she is an  Employee  and,
provided  he or she is not  terminated  for  Cause,  for a period  not to exceed
ninety (90) days from the date of termination of his or her Continuous Status As
An Employee,  except if his or her Continuous Employment terminates by reason of
his or her death or disability,  then to the extent that the Optionee would have
been  entitled to exercise the Option  immediately  prior to his or her death or
disability,  such Option of the  deceased or disabled  Optionee may be exercised
during the period the Option  would have been  exercisable  if the  deceased  or
disabled Optionee had not died or become disabled and had remained in Continuous
Employment  and for a period of three  hundred  sixty-five  (365)  days from the
death or disability of the Optionee,  by the person or persons (including his or
her  estate) to whom his or her rights  under such  Option  shall have passed by
will or by laws of descent and distribution.

     10.  NON-TRANSFERABILITY  OF OPTIONS.  An Option may not be sold,  pledged,
assigned,  hypothecated,  transferred or disposed of in any manner other than by
will or by the laws of descent or distribution and may be exercised,  during the
lifetime of the Optionee, only by such Optionee.

     11. ADJUSTMENTS UPON CHANGES IN CAPITALIZATION.

     (a)  ADJUSTMENT  OF NUMBER OF SHARES.  Upon each  adjustment  of the Option
Price as  provided  in Section  11(b) of the Plan,  the  Optionee is entitled to
purchase,  at the Option Price  resulting  from such  adjustment,  the number of
Shares obtained by multiplying the Option Price in effect  immediately  prior to
such  adjustment  by the  number  of  Shares  purchasable  pursuant  to the Plan
immediately  prior to such  adjustment  and dividing the product  thereof by the
Option Price resulting from such adjustment.

     (b)  ADJUSTMENT  OF OPTION  PRICE.  The  Option  Price  shall be subject to
adjustment from time to time as follows:

          (i) If,  at any time  during  the term of an  Option  as set  forth in
          Section 7 of the Plan, the number of shares of Common Stock issued and
          outstanding  is  increased  by a stock  dividend  payable in shares of
          Common  Stock or by a  subdivision  or  split-up  of  shares of Common
          Stock,  then,  immediately  following  the  record  date fixed for the
          determination  of holders of Common  Stock  entitled  to receive  such
          stock  dividend,  subdivision  or  split-up,  the Option  Price  shall
          decrease in proportion to such increase in outstanding  shares and the
          number of such Shares  issuable  upon the  exercise of an Option shall
          increase in proportion to such increase in outstanding shares.

          (ii) If,  at any time  during  the term of an  Option  as set forth in
          Section 7 of the Plan, the number of shares of Common Stock issued and
          outstanding is decreased by a combination of the outstanding shares of
          Common  Stock,  then,  immediately  following the record date for such
          combination,  the Option Price shall  increase in  proportion  to such
          decrease in outstanding shares and the number of

                                       4
<PAGE>

          Shares  issuable  upon the  exercise  of an Option  shall  decrease in
          proportion to such decrease in outstanding shares.

          (iii) In case,  at any time  during the term of an Option as set forth
          in  Section  7 of the  Plan,  of any  capital  reorganization,  or any
          reclassification  of the stock of the Company  (other than a change in
          par  value or from par  value to no par  value or from no par value to
          par value or as a result of a stock dividend or subdivision,  split-up
          or  combination  of  shares),  or the  consolidation  or merger of the
          Company with or into another  corporation  (other than a consolidation
          or merger in which the Company is the  continuing  operation and which
          does not result in any  change in the Common  Stock) or of the sale of
          all or  substantially  all the properties and assets of the Company as
          an  entirety  to  another  person,   the  Options  shall,  after  such
          reorganization,  reclassification,  consolidation,  merger or sale, be
          exercisable  for the  kind  and  number  of  shares  of stock or other
          securities or property of the Company or of the corporation  resulting
          from such  consolidation  or  surviving  such  merger or to which such
          properties  and assets shall have been sold to which such holder would
          have been  entitled if he had held the Shares which he would have held
          had he exercised the Options immediately prior to such reorganization,
          reclassification, consolidation, merger or sale.

          (iv)  Whenever  the number of Shares or the amount of the Option Price
          shall be adjusted as  provided in this  Section 11, the Company  shall
          forthwith  mail a notice  setting forth the adjusted  Option Price and
          the adjusted  number of Shares then  purchasable  under Options to the
          holders  of the  Options at their  address  as it shall  appear on the
          registration  records of the  Company,  but failure to give or receive
          such notice, or any defects therein, or in the mailing thereof,  shall
          not affect such adjustment in the number of Shares or in the amount of
          the  Option  Price.  Where  appropriate,  such  notice may be given in
          advance  and may be  included  as part of the  notice  required  to be
          mailed under the provisions of this Section 11(b)(vi) of the Plan.

          (v)  Adjustments  made  pursuant to Sections  11(b)(i) and (ii) of the
          Plan shall be made on the date such dividend, subdivision, split-up or
          combination,  as the case may be, is made, and shall become  effective
          at the opening of  business on the  business  day next  following  the
          record date for the  determination  of  stockholders  entitled to such
          dividend, subdivision, split-up or combination.

          (vi) In the event the Company  shall propose to take any action of the
          types described in Sections  11(b)(i),  (ii) or (iii) of the Plan, the
          Company  shall give notice to the holders of the Options in the manner
          set forth in Section 11(b)(iv) of the Plan, which notice shall specify
          the record date,  if any, with respect to any such action and the date
          on which such action is to take place. In the case of any action which
          would require the fixing of a record date,  such notice shall be given
          at least twenty (20) days prior to the date so fixed,  and in the case
          of all other  action,  such notice shall be given at least thirty (30)
          days prior to the taking of such proposed action. Failure to give such
          notice,  or any  defect  therein,  shall not affect  the  legality  or
          validity of any such action.

          (vii) In any case in which the  provisions  of this  Section 11 of the
          Plan  shall  require  that  an  adjustment   shall  become   effective
          immediately  after a record date for an event,  the Company may defer,
          until the  occurrence of such event,  issuing to the holders of all or
          any part of the Options which are exercised after such record date and
          before the  occurrence of such event any  additional  Shares  issuable
          upon such exercise by reason of the adjustment  required by such event
          over and above the Shares  issuable upon such  exercise  before giving
          effect to such adjustment;  provided,  however, that the Company shall
          deliver  to such  holders a due bill or other  appropriate  instrument
          evidencing such holder's right to receive such additional  Shares upon
          the occurrence of the event requiring such adjustment.

     12. TIME OF GRANTING OPTIONS. The date of grant of an Option under the Plan
is the date on which the Committee makes the determination granting such Option;
a notice of the  determination is to be given to each Employee to whom an Option
is so granted within a reasonable time after the date of such grant.

                                       5
<PAGE>

     13.  AMENDMENT  AND  TERMINATION  OF THE  PLAN.  The Board may not amend or
terminate  the Plan  without the  affirmative  vote of a majority of the Options
granted as such  granted  Options  are voted by the holders  thereof,  each such
granted Option to acquire a Share  permitting the holder thereof to one vote for
each such  granted  Option to acquire a Share held by such  holder.  The Options
granted  only have the right to vote with  respect to the  matters  set forth in
this  Section 13 and the Options have no right to vote with respect to any other
matters whatsoever.

     14.  CONDITIONS  UPON  ISSUANCE OF SHARES.  Shares shall not be issued with
respect to an Option  granted  under the Plan unless the exercise of such Option
and the issuance and delivery of such Shares pursuant  thereto shall comply with
all relevant  provisions of law, including,  without limitation,  the Securities
Act of 1933, as amended,  the Securities  Exchange Act of 1934, as amended,  the
rules and regulations promulgated thereunder,  and the requirements of any stock
exchange upon which the shares may then be listed,  and shall be further subject
to the approval of counsel for the Company with respect to such compliance.

     As a condition to the  exercise of any Option,  the Company may require the
person  exercising  such Option to represent and warrant at the time of any such
exercise that:

     (a)  The Shares are being  purchased for such person's own account  without
          the participation of any other person,  with the intent of holding the
          Shares  for  investment  and  without  the  intent  of  participating,
          directly or indirectly, in a distribution of the Shares and not with a
          view to, or for resale in connection  with,  any  distribution  of the
          Shares  or any  portion  thereof,  nor is  such  person  aware  of the
          existence of any distribution of the Company's securities;

     (b)  Such person is not acquiring the Shares based upon any representation,
          oral or written, by any person with respect to the future value of, or
          income from, the Shares but rather upon an independent examination and
          judgment as to the prospects of the Company;

     (c)  The  Shares  were not  offered  to such  person  by means of  publicly
          disseminated  advertisements or sales  literature,  nor is such person
          aware of any offers made to other persons by such means.

     The person  exercising  an Option must further  acknowledge  that he or she
must continue to bear the economic  risk of the  investment in the Shares for an
indefinite  period and  recognizes  that the Shares may not be (i) sold  without
registration  under any state or federal  law  relating to the  registration  of
securities  for sale;  (ii) issued and sold in reliance  on the  exemption  from
registration under the applicable  securities act of any state,  including,  but
not limited to, the Georgia  Securities  Act of 1973,  as amended  (the  "Act"),
provided by Section ((m) (now codified as O.C.G.A.  Section  10-5-9(13))  of the
Act;  and (iii) issued and sold in reliance on an  exemption  from  registration
under  applicable  state  law;  and  (iv)  issued  and sold in  reliance  on the
exemption  from  registration  under the Securities Act of 1933 (the "1933 Act")
provided by Section 4(2) of the 1933 Act.

     As a  condition  to the  exercise  of any  Option,  the Company may further
require  the  person  exercising  such  Option  to agree at the time of any such
exercise as follows:

     (d)  The Shares will not be offered  for sale,  sold or  transferred  other
          than pursuant to (i) an effective  registration  under the Act or in a
          transaction  which is otherwise in  compliance  with the Act;  (ii) an
          effective  registration under applicable state law or in a transaction
          which is otherwise in compliance with  applicable  state law; (iii) an
          effective  registration  under  the  1933  Act  or  in  a  transaction
          otherwise  in  compliance   with  the  1933  Act;  and  (iv)  evidence
          satisfactory   to  the  Company  of  compliance  with  the  applicable
          securities laws of other jurisdictions.  The Company shall be entitled
          to rely upon an opinion of counsel  satisfactory to it with respect to
          compliance with the above laws;

     (e)  The Company will be under no  obligation  to register the Shares or to
          comply with any  exemption  available  for sale of the Shares  without
          registration, and the information or conditions necessary to

                                       6
<PAGE>

          permit  routine  sales of  securities of the Company under Rule 144 of
          the 1933 Act are not now  available  and no  assurance  has been given
          that they will become available. The Company is under no obligation to
          act in any manner so as to make Rule 144 available with respect to the
          Shares;

     (f)  The Company  may, if it so desires,  refuse to permit the  transfer of
          the Shares  unless the  request  for  transfer  is  accompanied  by an
          opinion  of counsel  acceptable  to the  Company  to the  effect  that
          neither  the  sale  nor  the  proposed  transfer  will  result  in any
          violation  of the  1933  Act  or  the  securities  laws  of any  other
          jurisdiction;

     (g)  A legend  indicating  that the Shares have not been  registered  under
          such laws and referring to the  restrictions  on  transferability  and
          sale of the Shares may be placed on the  certificate  or  certificates
          delivered  to the  undersigned  or any  substitute  therefor  and  any
          transfer agent of the Company may be instructed to require  compliance
          therewith.

     15. RESERVATION OF SHARES.  The Company,  during the term of the Plan, will
at all  times  reserve  and keep  available,  the  number  of Shares as shall be
sufficient to satisfy the requirements of the Plan.

     Inability  of the  Company  to  obtain  from  any  regulatory  body  having
jurisdiction  authority  deemed by the Company's  counsel to be necessary to the
lawful  issuance and sale of any Shares  hereunder  shall relieve the Company of
any liability in respect to the  non-issuance or sale of such Shares as to which
such requisite authority shall not have been obtained.

     16. LIABILITY OF COMPANY.  The Company,  its Parent or any Subsidiary which
is in  existence or hereafter  comes into  existence,  shall not be liable to an
Optionee  or other  person if it is  determined  for any reason by the  Internal
Revenue Service or any court of competent jurisdiction that any Options intended
to be Incentive Stock Options granted hereunder are not Incentive Stock Options.

     17. EFFECT OF PLAN ON ASSOCIATION. Neither the adoption of the Plan nor the
granting of any Option pursuant to it shall be deemed to create any right in any
individual  to be retained or continued in  association  with the Company nor to
affect in any way any provision  concerning  termination of such  association in
any contract between such individual and the Company.

     18. INDEMNIFICATION AND EXCULPATION.  Each person who is or shall have been
a member of the Board or of the Committee shall be indemnified and held harmless
by the Company against expenses actually and necessarily  incurred by him or her
in connection with the defense of any action,  suit or proceeding in which he or
she may be or become a party by reason of any  action  taken or  failure  to act
under this Plan and against  and from any and all amounts  paid by him or her in
settlement  thereof (with the Company's  written approval) or paid by him or her
in satisfaction of a judgment in any such action, suit or proceeding,  except in
relation to matters as to which he or she is adjudged  in such  action,  suit or
proceeding to be liable for negligence or misconduct in the  performance of duty
and to such matters  settled by agreement  predicated  on the  existence of such
liability;  subject,  however, to the condition that upon the institution of any
claim,  action, suit or proceeding against him or her, he or she must in writing
give the Company an  opportunity,  at its own expense,  to handle and defend the
same  before  he or she  undertakes  to handle  and  defend it on his or her own
behalf.  The foregoing  right of  indemnification  shall not be exclusive of any
other  right  to  which  such  person  may be  entitled  as a  matter  of law or
otherwise,  or any power that the  Company may have to  indemnify  him or her or
hold him or her harmless.

     Each member of the Board or of the Committee, and each officer and Employee
of the  Company is fully  justified  in relying or acting in good faith upon any
information  furnished in connection with the administration of this Plan by any
appropriate  person or persons other than himself or herself.  In no event shall
any person who is or shall have been a member of the Board or of the  Committee,
or an officer or Employee  of the  Company be held liable for any  determination
made or other action taken or any  commission  to act in reliance  upon any such
information,  or for any action (including the furnishing of information)  taken
or any failure to act, if in good faith.

                                       7
<PAGE>

     19. USE OF  PROCEEDS.  The  proceeds  received  from the sale of the Common
Stock pursuant to the Plan will be used for general corporate purposes.

     Adopted as of this 10th day of August, 2000, by the undersigned,  being all
of the Directors of the Company.

/S/ JOHN W. MCROBERTS      (SEAL)       /S/ CHARLES A. MCROBERTS  (SEAL)
---------------------------------       --------------------------------
John W. McRoberts                       Charles A. McRoberts

/S/ CHARLES PECCHIO, JR.   (SEAL)       /S/ GLENN E. COHEN        (SEAL)
---------------------------------       --------------------------------
Charles Pecchio, Jr.                    Glenn E. Cohen

                                       8

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00030-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00030-of-00352.parquet"}]]