Document:

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                                                                   Exhibit 10.11

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

         4. CONSTRUCTION BY THE LANDLORD. None.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                  (iv) lease takeover payments;

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

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

                  (vii) real estate brokerage commissions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

                                       10

<PAGE>

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

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

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

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

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

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

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

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

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

                                       11

<PAGE>

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

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

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

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

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

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

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

                                       12

<PAGE>

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

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

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

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

                                       13

<PAGE>

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

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

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

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

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

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

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

                                       14

<PAGE>

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

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

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

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

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

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

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

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

                                       15

<PAGE>

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

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

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

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

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

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

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

                                       16

<PAGE>

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

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

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

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

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

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

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

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

                                       17

<PAGE>

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

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

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

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

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

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

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

                                       18

<PAGE>

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

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

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

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

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

         (a) addressed to the Tenant at:

                  Open Solutions Inc.
                  300 Winding Brook Drive
                  Glastonbury, CT

         (b) addressed to the Landlord at:

                  Carl Foster, LLC
                  100 Western Boulevard
                  Glastonbury, CT

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

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

         (a) the Commencement Date,

                                       19

<PAGE>

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

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

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

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

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

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

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

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

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

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

                                       20

<PAGE>

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

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

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

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

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

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

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

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

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

                                       21

<PAGE>

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

WITNESSES:                                          LANDLORD:
                                                    CARL FOSTER, LLC

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

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

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

EXHIBIT B

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

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

                                       22

<PAGE>

                               AMENDMENT OF LEASE

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

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

                                   WITNESSETH

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

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

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

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

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

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

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

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

<PAGE>

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

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

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

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

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

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

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

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

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

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

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

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

<PAGE>

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

WITNESSES:                                       LANDLORD:
                                                 Carl Foster, LLC

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

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

 /s/ Debra D. Rooney                             By: /s/ John S. Wieczorek
-------------------------------                      ---------------------------
                                                 Name: John S. Wieczorek
                                                 Title: VP, CFO
                                                 Hereunto Duly Authorized<PAGE>
                                                                   Exhibit 10.12

                                 LEASE AGREEMENT

                       DATED THIS 22 DAY OF JANUARY, 1998

                                 BY AND BETWEEN

                       PIEDMONT / MAPLE, L.L.C., AS LESSOR

                                       AND

                         FITECH SYSTEMS, INC, AS LESSEE

EXHIBITS:

A         Site Plan and Floor Plan of Expansion Premises

B         Rules & Regulations

C         Special Stipulations

D         Floor Plan of Premises

E         Floor Plan of Cancellation Right Premises

F         Floor Plan of Relocation Premises

G         Floor Plan of Right of First Offer Excluded Premises
<PAGE>
                             FITECH LEASE ARTICLES:

<TABLE>
<CAPTION>
     ARTICLE                               CONTENTS
     -------                               --------
<S>                <C>
        1          Premises
        2          Term
        3          Rental
        4          Adjustment of Base Rental (Article Intentionally Deleted)
        5          Security Deposit (Article Intentionally Deleted)
        6          Improvements or repairs by lessor
        7          Delivery of Possession to Lessee by Lessor
        8          Use of expansion premises
        9          Repairs by Lessee
       10          Alterations and improvements
       11          Services of Lessor
       12          Liability of Lessor
       13          Entry for carding, etc.
       14          Event of default
       15          Remedies
       16          Late payments
       17          Assignment and subletting
       18          Transfer of leases (Article Intentionally Deleted)
       19          Destruction or damage to expansion premises
       20          Removal of fixtures
       21          Attorney's fees and homestead
       22          Entire agreement
       23          Time of essence
       24          Mortgagee's rights
       25          Sale of expansion premises by Lessor
       26          No estate in land
       27          Rights cumulative
       28          Holding over
       29          Surrender of expansion premises
       30          Addresses and notices
       31          Damage or theft of personal property
       32          Rules and regulations
       33          Eminent domain
       34          Definitions
       35          General liability of Lessee (Insurance requirements)
       36          Disclosure of agency relationship
       37          Broker
       38          Special Stipulations
       39          Estoppel certificate
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
          ARTICLE                                CONTENTS
          -------                                --------
<S>                        <C>
         Exhibit A         Site Plan and Floor Plan of Expansion Premises
         Exhibit B         Rules & Regulations
         Exhibit C         Special Stipulations
         Exhibit D         Floor Plan of Premises
         Exhibit E         Floor Plan of Cancellation Right Premises
         Exhibit F         Floor Plan of Relocation Premises
         Exhibit G         Floor Plan of Right of First Offer Excluded Premises
</TABLE>
<PAGE>
                         STANDARD OFFICE BUILDING LEASE

         THIS AGREEMENT (the "Lease"), made this _____ day of _______________,
19__, by and between PIEDMONT / MAPLE, L.L.C., a Georgia limited liability
company, ("Lessor") and FITECH SYSTEMS, INC., ("Lessee").

         FOR AND IN CONSIDERATION of the mutual covenants and conditions
contained herein, the parties hereto do agree as follows:

         1. PREMISE. Lessor, for and in consideration of the rents, covenants,
agreements and stipulations hereinafter mentioned, reserved, and contained, to
be paid, kept and performed by Lessee, has leased and rented, and by these
presents does lease and rent, unto Lessee, and Lessee hereby agrees to lease and
take upon the terms and conditions which hereinafter appear, the following
described space ("Expansion Premises"), being Suite 470, comprising
approximately 1,828 rentable square feet as shown on floor plan attached hereto
as Exhibit "A" and made a part hereof, located on the fourth floor of the
building, which is located at 3098 Piedmont Road, Atlanta, Fulton County,
Georgia 30305 ("Building"). No easement for light or air is included in the
Expansion Premises.

         2. TERM. Lessee takes and accepts from Lessor the Expansion Premises in
their present condition as suited for the intended use of Lessee for a term
beginning on the 1st day of February, 1998, and ending on the 31st day of July,
2004, at midnight, unless sooner terminated as hereinafter provided ("Lease
Term").

         3. RENTAL. Lessee agrees to pay Lessor promptly on the first day of
each month in advance during the term of this Lease, monthly rental ("Base
Rental") as follows:

<TABLE>
<CAPTION>
                  Period                                    Monthly Amount
                  ------                                    --------------
<S>                                                         <C>
         02/01/98 - 07/31/98                                $2,399.25
         08/01/98 - 07/31/99                                $2,486.82
         08/01/99 - 07/31/00                                $2,577.59
         08/01/00 - 07/31/01                                $2,671.67
         08/01/01 - 07/31/02                                $2,769.19
         08/01/02 - 07/31/03                                $2,870.27
         08/01/03 - 07/31/04                                $2,975.03
</TABLE>

Same shall be payable to Lessor at Lessor's address or at such other address
Lessor designates in writing. Lessee shall pay to Lessor all Base Rental and all
other charges due and owing by Lessee under the Lease without counterclaim,
deduction, or setoff. All charges, sums of money or amounts due hereunder shall
be paid as additional rental, whether or not such charges, sums or amounts are
referred to as additional rental.

         6. IMPROVEMENTS OR REPAIRS BY LESSOR. Prior to commencement of the
Lease Term, Lessor will at its expense, unless otherwise stated herein,
complete, alter, renovate and/or decorate the Expansion Premises to conform to
the floor plan attached hereto as Exhibit "A" and any specifications shown
thereon. Subject to completion of any such work, if any, Lessee accepts the
Expansion Premises in their present condition and as
<PAGE>
suited for the use intended by Lessee. Throughout the term of this Lease or any
renewal thereof, Lessor shall not otherwise be required to make any repairs or
improvements to the Expansion Premises, except repairs necessary for safety and
tenantability.

         7. DELIVERY OF POSSESSION TO LESSEE BY LESSOR. If Lessor, for any
reason whatsoever, fails to deliver possession of the Expansion Premises to
Lessee at the commencement of the Lease Term as above specified, this Lease
shall not be void or voidable, nor shall Lessor be liable to Lessee for any loss
or damage resulting therefrom; but in that event, there shall be a proportionate
reduction of rent covering the period between the commencement of the Lease Term
and the time when Lessor can deliver possession.

         8. USE OF EXPANSION PREMISES. Lessee shall use the Expansion Premises
only for general office purposes and shall not use the Expansion Premises for
any other purpose or illegal purpose, or violate any statute, regulation, rule,
or order of any governmental body, or create or allow to exist any nuisance or
trespass, or do any act in or about the Expansion Premises, or bring anything on
to or in the Expansion Premises or Building containing same, which will in any
way increase the rate of insurance or violate the insurance on the Expansion
Premises or Building, or deface or injure the Expansion Premises or Building, or
overload the floor of the Expansion Premises. Lessee covenants that it will not
permit any mechanic's lien or liens to be placed upon the Expansion Premises or
the Building. In the event any such lien is attached to the Expansion Premises,
then, in addition to any other right or remedy of Lessor, Lessor may, but shall
not be obligated to, discharge or bond off the same. Any amount paid by Lessor
for any of the aforesaid purposes shall be paid by Lessee to Lessor on demand as
additional rent. The Lessee's stated business is software development and
services.

         9. REPAIRS BY LESSEE. Lessee, during the term of this Lease or any
extension or renewal of this Lease, shall, at its expense, make all repairs as
shall be reasonably necessary to keep the Expansion Premises in good condition
and repair, normal wear and tear excepted. Lessee further agrees that all damage
or injury of whatever nature done to the Expansion Premises by the Lessee or by
any person in or upon the Expansion Premises, except the Lessor, Lessor's
agents, servants and employees, shall be repaired by Lessee at its expense. If
Lessee fails to perform, or caused to be performed, any maintenance or repairs
required of it hereunder, then at the option of Lessor, in its discretion, any
such maintenance or repairs may be performed or caused to be performed by Lessor
and the cost and expense thereof shall be charged to Lessee, and Lessee shall
pay the amount thereof to Lessor on demand as additional rent. Lessee shall be
liable for and shall hold Lessor harmless with respect to damage or injury to
Lessor, Expansion Premises, and property or persons of Lessor's other tenants,
or any one else, if due to act of neglect of Lessee, or any one in its control
or employ. Lessee shall at once report in writing to Lessor any defective
condition known to it which Lessor is required to repair, and failure so to
report shall make Lessee responsible for damages resulting from such defective
condition.

         10. ALTERATIONS AND IMPROVEMENTS. Lessee shall not make or allow to be
made any alterations, physical additions or improvements in or to the Expansion
Premises beyond the initial tenant improvements, if any, without first obtaining
Landlord's written consent, which consent may be granted or withheld in the sole
discretion of Landlord. Upon Landlord's request, Lessee will furnish plans and
specifications for any proposed alterations, additions or improvements and shall
reimburse Landlord for its reasonable costs to review such
<PAGE>
plans. Any alterations, physical additions or improvements shall at once become
the Property of Lessor; provided, however, Lessor, at its sole option may
require Lessee to remove any alterations, additions or improvements in order to
restore the Expansion Premises to the condition existing on the Commencement
Date. All costs of any such alterations, additions or improvements shall be
borne by Lessee. All alterations, additions or improvements must be made in
good, first class, workmanlike manner that does not disturb other tenants (i.e.:
any loud work must be performed during no-business hours) and Lessee must
maintain such liability and builder's risk insurance as Lessor may reasonably
require throughout construction. Lessee does hereby indemnify, defend and hold
Lessor harmless from and against all claims for damage or destruction of
property arising out of the performance of any such alterations, additions or
improvements made by or on behalf of Lessee. Under no circumstances shall Lessor
be required to pay during the term of this Lease and any extensions or renewals
thereof, any ad valorem or Property tax on such alterations, additions or
improvements, Lessee hereby covenanting to pay all such taxes when they become
due. In the event any alterations, additions, improvements or repairs are to be
performed by contractors or workmen other than Lessor's contractors or workmen,
any such contractors or workmen must first be approved in writing by Lessor.
Lessor agrees to assign to Lessee any rights it may have against the contractor
of the Expansion Premises with respect to any work performed by said contractor
in connection with improvements made by Lessor at the request of Lessee.

         11. SERVICES OF LESSOR. Lessor agrees to provide Lessee, as Lessor
deems necessary, the following services:

         (a) General cleaning and janitorial service;

         (b) Heating and air-conditioning service daily on Monday through Friday
(with the following holidays excepted: New Year's Day, Memorial Day,
Independence Day, Labor Day, Thanksgiving Day, and Christmas Day), from 8:00
a.m. to 6:00 p.m. and on Saturdays, if not a holiday, from 8:00 a.m. to 12:00
p.m. Lessor reserves the right to prohibit the use of heat-generating machines
and equipment unless and until arrangements are made by Lessee, acceptable to
Lessor, to install supplementary air-conditioning equipment in the Expansion
Premises at Lessee's cost and expense, and the costs of operation and
maintenance of such shall be paid by Lessee on the monthly rental payment dates
at such rates as are established by Lessor. Should Lessee desire either heating
or air-conditioning at times when such services are not furnished by Lessor
under the terms of the Lease, Lessor will furnish such services only if
authorized by Lessee at Lessee's expense and at such hourly charge as is from
time to time determined by Lessor, which charges Lessee shall promptly pay on
being billed by Lessor. Lessor also reserves the right separately to submeter
and bill Lessee as additional rent for excessive use of any utilities, such as
electric, water, gas, etc. or arrange for master metering or billing of certain
utilities that will benefit all tenants, in Lessor's sole opinion, in the
building;

         (c) Elevator service daily, applicable, on Monday through Friday (with
the following holidays excepted: New Year's Day, Memorial Day, Independence Day,
Labor Day, Thanksgiving Day, and Christmas Day), from 8:00 a.m. to 6:00 p.m. and
on Saturdays, if not a holiday, from 8:00 a.m. to 12:00 p.m.;
<PAGE>
         (d) Electric current for lighting, and reasonable facilities for
furnishing 110 volt electric power for usual and normal office equipment; and

         (e) Common use restrooms and toilets.

         12. LIABILITY OF LESSOR. Lessor shall not be liable to Lessee in any
manner whatsoever for failure to furnish or delay in furnishing any service
provided for in this Lease and no such failure or delay to furnish any service
or services by Lessor shall be an actual or constructive eviction of Lessee nor
shall any such event operate to relieve Lessee from the prompt and punctual
performance of each and all the covenants to be performed herein by Lessee, nor
shall Lessor be liable to Lessee for damage to person or property caused by
defects in the cooling, heating, electric, water, elevator or other apparatus or
systems or by water discharged from sprinkler systems, if any, in the Building;
nor for the theft, mysterious disappearance, or loss of any property of Lessee
whether from the Expansion Premises or any part of the Building or property
adjoining the Building. Lessor agrees to make reasonable efforts to protect
Lessee from interference or disturbance by third persons including other
tenants. However, Lessor shall not be liable for any such interference or
disturbance whether caused by another tenant or tenants of Lessor or other
persons, nor shall Lessee be relieved from any obligation herein because of such
interference, disturbance or breach. Lessor shall have the right to change the
name of the Building or the design or construction thereof whenever Lessor, in
its sole discretion, deems it appropriate without any liability to Lessee and
without any consent of Lessee being necessary. Lessor shall have no personal
liability with respect to the provisions of this Lease, and if Lessor is in
default with respect to its obligations hereunder, Lessee shall look solely to
Lessor's equity in the Expansion Premises for satisfaction of Lessee's remedies.
In no event shall Lessor's liability exceed such equity.

         13. ENTRY FOR CARDING, ETC. Lessor may card the Expansion Premises "FOR
RENT" or "FOR SALE" sixty (60) days before the termination of this Lease or any
renewal thereof. Lessor may enter the Expansion Premises at reasonable hours to
exhibit same to prospective purchasers, lenders or tenants and to make repairs
required of Lessor under the terms hereof, or to make repairs to Lessor's
adjoining property, if any.

         14. EVENT OF DEFAULT. The occurrence of any of the following shall
constitute a material breach and an event of default of this Lease by Lessee:

         (a) If the Base Rental or any other sum of money payable under this
Lease is not paid when due;

         (b) If, for a period of thirty (30) consecutive days, the Expansion
Premises are deserted or vacated even though Lessee continues to pay the
stipulated monthly rent;

         (c) Any petition is filed by or against Lessee under any section or
chapter of the Federal Bankruptcy Act;

         (d) Lessee shall become insolvent or transfer property in fraud or
creditors;

         (e) Lessee shall make an assignment for benefit of creditors;
<PAGE>
         (f) A receiver is appointed for any of Lessee's assets; or

         (g) Lessee breaches or fails to comply with any term, provision,
condition, or covenant of this Lease, other than the payment of Base Rental and
any other sum due and payable hereunder, or if Lessee breaches or fails to
comply with any of the Rules and Regulations now or hereafter from time to time
established by Lessor to govern the operation of the Building, and such breach
or failure is not cured within seven (7) days after written notice of such
breach or failure is given by Lessor to Lessee.

         15. REMEDIES.

         (a) Upon the occurrence of an event of default, Lessor shall have the
option to do and perform any one or more of the following:

                  (i) Lessor, with or without terminating this Lease, may
         immediately or at any time thereafter as long as such event of default
         remains uncured, reenter the Expansion Premises and perform, correct or
         repair any condition, which shall constitute a failure on Lessee's part
         to keep, observe, perform, satisfy, or abide by any term, condition,
         covenant, agreement, or obligation of this Lease or of the Rules and
         Regulations now in effect or hereafter adopted, and Lessee shall fully
         reimburse and compensate Lessor on demand, as additional rent, all
         costs and expenses incurred by Lessor in such performance, correction
         or repairing.

                  (ii) Lessor, with or without terminating this Lease, may
         immediately or at any time thereafter so long as such event of default
         remains uncured, demand in writing that Lessee vacate the Expansion
         Premises and thereupon Lessee shall vacate the Expansion Premises and
         remove therefrom all property thereon belonging to or placed on the
         Expansion Premises by, at the direction of, or with consent of Lessee
         within ten days of such notice from Lessor, whereupon Lessor shall have
         the right to reenter and take possession of the Expansion Premises. Any
         such demand, reentry and taking possession of the Expansion Premises by
         Lessor shall not of itself constitute an acceptance by Lessor of a
         surrender of this Lease or of the Expansion Premises by Lessee and
         shall not of itself constitute a termination of this Lease by Lessor.

                  (iii) Lessor, with or without terminating this Lease, may
         immediately or at any time thereafter so long as such event of default
         remains uncured, relet the Expansion Premises or any part thereof for
         such time or times, at such rental or rentals and upon such terms and
         conditions as Lessor, in its sole discretion, may deem advisable, and
         Lessor may make any alterations or repairs to the Expansion Premises
         which it may deem necessary or proper to facilitate such reletting; and
         Lessee shall pay all costs and expenses of such reletting including,
         but not limited to, the cost of any such alterations and repairs to the
         Expansion Premises, attorney's fees, and brokerage commissions; and, if
         this Lease shall not have been terminated, Lessee shall continue to pay
         all Base Rental and all other charges due under this Lease up to and
         including the date of beginning of payment of rent by any subsequent
         tenant of part or all of the Expansion Premises, and thereafter Lessee
         shall pay monthly during the remainder of the term of this Lease the
         difference, if any, between the rent and other charges collected from
         any such subsequent
<PAGE>
         tenant or tenants and the rent and other charges reserved to this
         Lease, but Lessee shall not be entitled to receive or receive credit
         for any excess of any such rents collected over the rents reserved
         herein.

                  (iv) Lessor may immediately, or at any time thereafter so long
         as such event of default remains uncured, terminate this Lease, and
         this Lease shall be deemed to have been terminated upon written notice
         of such termination given by Lessor to Lessee. Upon such termination,
         Lessor shall recover from Lessee all damages Lessor may suffer by
         reason of such termination including, without limitation, unamortized
         sums expended by Lessor for construction of improvements, all
         arrearages in rentals, costs, charges, additional rentals, and
         reimbursements, the costs (including court costs and attorneys' fees)
         of recovering possession of the Expansion Premises, the costs of any
         alteration of or repair to the Expansion Premises, which is necessary
         or proper to prepare the same for reletting. In addition thereto,
         Lessor, at its election, shall have the right to collect as liquidated
         damages, and not as a penalty, and in addition to all Base Rental and
         other amounts previously due and unpaid under the terms and conditions
         of this Lease, the accelerated present value of the Base Rental, and
         all other sums provided herein to be paid by Lessee during the
         remainder of the term of this Lease (the "Rent Balance"), less the Net
         Rental Value of the Expansion Premises as hereinafter defined. The term
         "Net Rental Value" shall mean the fair rental value of the Expansion
         Premises for the remainder of the term of this Lease reduced to present
         value, less Lessor's costs, expenses and attorney's fees in connection
         with the preparation of the Expansion Premises for reletting and for
         the reletting itself. The Lessor and Lessee agree that in no event
         shall the Net Rental Value exceed the Rent Balance. Lessor and Lessee
         further agree that the damages caused by the Lessee's default would be
         difficult or impossible to estimate accurately and that this measure of
         damages is a reasonable pre-estimate of Lessor's probable loss
         resulting from Lessee's breach. The acceptance of the liquidated
         damages set forth in this subsection (iv) shall not constitute a waiver
         of any failure of Lessee thereafter occurring to comply with any term,
         provision, condition or covenant of this Lease.

                  (v) In addition to the foregoing, Lessor shall be entitled to
         exercise any and all remedies available to Lessor at law or in equity
         as a result of the occurrence of an event of default by Lessee under
         this Lease.

         (b) If Lessor reenters the Expansion Premises or terminates this Lease
pursuant to any of the provisions of this Lease, Lessee hereby waives all claims
for damages which may be caused by such reentry or termination by Lessor. Lessee
shall and does hereby agree to indemnify and hold Lessor harmless from any loss,
cost (including court costs and attorney's fees), or damages suffered by Lessor
by reason of such reentry or termination.

         (c) No course of dealing between Lessor and Lessee or any failure or
delay on the part of Lessor in exercising any rights of Lessor under this
Section, or under any other provisions of this Lease, shall operate as a waiver
of any rights of Lessor hereunder or under any other provisions of this Lease,
nor shall any waiver of an event of default on one occasion operate as a waiver
of any subsequent event of default or of any other event of default. No express
waiver
<PAGE>
shall affect any condition, covenant, rule, or regulation other than the one
specified in such waiver and that one only for the time and in the manner
specifically stated.

         (d) The exercise by Lessor of any one or more of the rights and
remedies provided in this Lease shall not prevent the subsequent exercise by
Lessor of any one or more of the other rights and remedies herein provided.

         16. LATE PAYMENTS. It is acknowledged by the parties hereto that the
late payment by Lessee to Lessor of Base Rental or any other sums due hereunder
will cause Lessor to incur costs not contemplated by this Lease, the exact
amount of which would be extremely difficult and impractical to ascertain.
Therefore, Lessee shall pay, as a late charge in the event any installment of
Base Rental or other charge to be paid by Lessee hereunder is not paid when due,
a sum equal to the greater of one hundred dollars or an amount equal to five
percent of the amount due for each and every ten day period that said amount
remains unpaid. Should Lessee make a partial payment of past due amounts, the
amount of such partial payment shall be applied to reduce all accrued and unpaid
late charges, in the order of their accrual, and then to reduce all other past
due amounts, in the order of their maturity. The parties agree that such late
charge represents the fair and reasonable estimate of the cost Lessor will incur
by reason of late payment by Lessee. Acceptance of such late charge by Lessor
shall in no event constitute waiver of Lessee's default with respect to such
overdue amount, nor prevent Lessor from exercising any of the other rights and
remedies granted hereunder. All rent not paid when due, including any and all
late charges as provided in this Section above, shall bear interest at the rate
of one and one-half percent per month, or the maximum rate permitted by law,
whichever is higher.

         17. ASSIGNMENT AND SUBLETTING. Lessee may not, without the prior
written consent of Lessor, which consent shall not be unreasonably withheld,
assign this Lease or any interest hereunder, or sublet the Expansion Premises or
any part thereof; or permit the use of the Expansion Premises by any party other
than Lessee. Any such approved assignment or subletting shall only be to a
tenant whose business is similar to that of Lessee. Consent to one assignment or
sublease shall not destroy or waive this provision, and all later assignments
and subleases shall likewise be made only upon prior written consent of Lessor.
Subtenants or assignees shall become liable directly to Lessor for all
obligations of Lessee hereunder, without relieving Lessee's liability. Lessee
agrees to pay to Lessor, on demand, reasonable costs incurred by Lessor in
connection with any request by Lessee for Lessor to approve the assignment of
this Lease or the subletting of the Expansion Premises by Lessee. If any profit
or additional consideration is payable or paid by the sublessee or assignee to
Lessee or Lessee's agents or representatives, Lessee shall promptly pay such
amount to Lessor as additional rental when rent is due. 19. DESTRUCTION OR
DAMAGE TO EXPANSION PREMISES.

         (a) If the Expansion Premises are damaged partially or wholly by fire,
the elements, act of God or other casualty, and if such damage cannot, in
Lessor's reasonable estimation, be materially restored within one hundred eighty
days of such damage, then Lessor may, at its sole option, terminate this Lease
as of the date of such fire or casualty and the Lease Term shall end on such
date as if that date had been originally fixed in this Lease for the expiration
of the Lease Term. Lessor shall exercise its option provided herein by written
notice to Lessee within ninety days of such fire or other casualty.
<PAGE>
         (b) If this Lease is not terminated pursuant to subsection (a) above,
then Lessor shall proceed with due diligence to repair and restore the Expansion
Premises (except that Lessor may elect not to rebuild, and thus terminate this
Lease, if such damage occurs during the last year of the Lease Term, excluding
any option which is unexercised at the date of such damage). Lessor's obligation
to restore the Expansion Premises under the preceding sentence shall be
discharged upon restoration of those tenant improvements in the Expansion
Premises initially paid for by Lessor. In no event shall Lessor be required to
rebuild, repair, or replace any personal property, equipment, or trade fixtures
which belong to Lessee.

         (c) If this Lease is not terminated by Lessor pursuant to this Section
18 and if Lessor shall determine that the Expansion Premises are unfit for
occupancy in whole or in part following such damage, the Base Rental payable
during the period in which the Expansion Premises are deemed by Lessor to be
unfit for occupancy shall abate in proration to the number of square feet of the
Expansion Premises rendered unusable by such damage; provided, however, that no
such abatement and reduction shall be made under the provisions of this
subsection (c) in the event such damage shall have been caused through the
negligence or willful misconduct of Lessee, its agents, employees, contractors,
invitees, licensees, tenants, or assignees.

         (d) Notwithstanding anything herein to the contrary, in the event the
holder of any indebtedness secured by a mortgage or deed to secure debt covering
the Expansion Premises or Building requires that any insurance proceeds be paid
to it, then Lessor shall have the right to terminate this Lease by delivering
written notice of termination to Lessee within fifteen days after such
requirement is made by any such person, whereupon the Lease shall end on the
date of such damage as if the date of such damage were the date originally fixed
in this Lease for the expiration of the Lease Term.

         (e) If any such casualty stated in this Section 18 occurs, Lessor shall
not be liable to Lessee for inconvenience, annoyance, loss of profits, expenses,
or any other type of injury or damage resulting from the repair of any such
damage, or from any repair, modification, arranging, or rearranging of any
portion of the Expansion Premises or any part or all of the Building or for
termination of this Lease as provided in this Section 18.

         20. REMOVAL OF FIXTURES. Lessee may (if not in default hereunder) prior
to the expiration of this Lease or any renewal thereof, remove all fixtures and
equipment which he have been placed in the Expansion Premises by Lessee,
provided Lessee restores the Expansion Premises to their existing condition at
the installation thereof. Any property of Lessee which Lessee fails to remove
from the Expansion Premises prior to the expiration of this Lease shall be
deemed abandoned by Lessee and may be disposed of by Lessor. Additionally any
additions and leasehold improvements made or placed in or upon the Expansion
Premises by Lessor or Lessee shall be and become Lessor's property at the end of
the term of this Lease, all without compensation or payment to Lessee, and shall
remain upon and in the Expansion Premises during and at the termination of this
lease. Any property of Lessee which Lessee fails to remove from the Expansion
Premises prior to the expiration of this Lease shall be deemed abandoned by
Lessee and may be disposed of by Lessor.

         21. ATTORNEY'S FEES AND HOMESTEAD. If any rent owing under this Lease
is collected by or through an attorney at law, Lessee agrees to pay to Lessor
fifteen percent (15%)
<PAGE>
thereof as attorneys' fees or the actual attorney's fees plus a fifteen percent
(15%) administrative charge, whichever is less. Lessee waives all homestead
rights and exemptions which he may have under any laws as against any obligation
owing under this Lease. Lessee hereby assigns to Lessor his homestead and
exemption.

         22. ENTIRE AGREEMENT. This Lease, including any attachments made a part
hereof, contains the entire agreement of the parties and no representations,
inducements, promises or agreements, oral or otherwise, between the parties not
embodied herein shall be of any force or effect. No failure of Lessor to
exercise any power given Lessor hereunder, or to insist upon strict compliance
by Lessee of any obligation hereunder, and no custom or practice of the parties
at variance with the terms hereof shall constitute a waiver of Lessor's right to
demand exact compliance with the terms hereof.

         23. TIME OF ESSENCE. Time is of the essence of this Agreement.

         24. MORTGAGEE'S RIGHTS. This Lease and all rights of Lessee hereunder
and shall be subject and subordinate to the lien of any mortgage, deed to secure
debt, deed of trust, or other instrument encumbering the fee title of the
Expansion Premises and to any modifications, renewals, consolidations,
extensions or replacements thereof. Such subordination is and shall be
self-operative. No further instrument of subordination shall be required by the
holder of any such mortgage, deed to secure debt, deed of trust or other
instrument affecting and encumbering the fee title of the Expansion Premises. In
confirmation of such subordination, Lessee agrees upon request to hereafter
execute and deliver any paper or papers which the counsel for Lessor may deem
necessary to evidence such subordination and, in default of Lessee so doing,
Lessor is hereby empowered as Lessee's attorney-in-fact to execute and deliver
such paper or papers in the name of Lessee, and as the act and deed of Lessee,
and this authority is hereby declared to be coupled with an interest and not
revocable. If the holder of any mortgage, deed to secure debt, deed of trust or
other instrument affecting or encumbering the Building or the land underlying
the Building or if the lessor under any ground lease affecting the Building or
the land underlying the Building shall hereafter succeed to the rights of Lessor
under this Lease, whether through possession or foreclosure action or exercise
of private power of sale or delivery of a new lease, Lessee shall, at the option
of such holder or lessor, attorn to and recognize such successor as Lessee's
lessor under this Lease as of the date of such succession to Lessor's interest
and shall promptly execute and deliver any instrument that may be necessary to
evidence such attornment, and Lessee hereby irrevocably appoints Lessor or such
holder or such lessor the attorney-in-fact of Lessee to execute and deliver such
instrument on behalf of Lessee should Lessee refuse and fail to do so within ten
(10) days after Lessor or such holder or such lessor shall have given notice to
Lessee requesting the execution and delivery of such instrument. Upon such
attornment, this Lease shall continue in full force and effect as a direct lease
between such successor Lessor and Lessee, subject to all the terms, covenants
and conditions of this Lease. At any time and from time to time, Lessee, on or
before the date specified in a request therefor made by Lessor, which date shall
not be earlier than ten days after Lessor's making of such request, shall
execute, acknowledge, and deliver to Lessor a certificate evidencing whether or
not (i) this Lease is in full force and effect, (ii) this Lease has been amended
in any way and attaching a copy of any such instrument of amendment, (iii) there
are any existing events of default on the part of Lessor hereunder to the
knowledge of Lessee and specifying with particularity the nature of such events
of default, if any, and (iv) rent, and other amounts due hereunder, if any, have
<PAGE>
been paid, and certifying to such other matters as Lessor may reasonably
request. Each certificate delivered pursuant to this Section may be relied on by
any prospective purchaser or transferee of Lessor's interest hereunder or of any
part of Lessor's property or by any mortgagee of Lessor's interest hereunder.
Notwithstanding the foregoing, Lessee shall, upon demand, at any time or times,
execute, acknowledge and deliver to Lessor or to the holder of a mortgage, deed
to secure debt, deed of trust or other instrument encumbering the Expansion
Premises, without expense, any and all instruments that may be necessary to make
this Lease superior to the lien of such mortgage, deed to secure debt, deed of
trust or other instrument.

         25. SALE OF EXPANSION PREMISES BY LESSOR. In the event of any sale of
the Expansion Premises by Lessor, Lessor shall be and is hereby entirely freed
and relieved of all liability to Lessee under any and all of its covenants and
obligations contained in or derived from this Lease arising out of any act,
occurrence or omission occurring after the consummation of such sale.

         26. NO ESTATE IN LAND. This Lease shall create the relationship of
landlord and tenant between Lessor and Lessee; no estate shall pass out of
Lessor, Lessee has only a usufruct, not subject to levy and sale and not
assignable by Lessee except by Lessor's prior written consent. Lessee expressly
acknowledges and agrees that nothing contained in this Lease shall authorize or
permit nor is it intended to authorize or permit, Lessee or any of its agents,
employees or invitees to use the parking located adjacent to the Building for
any purpose whatsoever unless such use is specifically authorized or permitted
by agreements with Lessor contained in this Lease. This Lease is not in
recordable form, and Lessee agrees not to record or permit the recording of this
Lease.

         27. RIGHTS CUMULATIVE. All remedies provided for in this Lease are
cumulative and may, at the election of Lessor, be exercised alternatively,
successively, or in any other manner and are in addition to, and not in lieu of,
any other rights provided for in this Lease or allowed by law or in equity.

         28. HOLDING OVER. If Lessee remains in possession after expiration of
the Lease Term hereof, with Lessor's acquiescence and without any written
agreement of the parties hereto, Lessee shall be a month-to-month tenant at one
hundred twenty percent (120%) of the rental rate in effect at the end of the
Lease; and there shall be no renewal of this Lease by operation of law.
Notwithstanding the notice provision of Official Code of Georgia Annotated
Section 44-7-7, as the same may be now or hereafter amended, Lessor and Lessee
expressly agree that any month-to-month tenancy created pursuant to the terms of
this Section may be terminated upon thirty days' prior written notice by either
party to this Lease to the other party.

         29. SURRENDER OF EXPANSION PREMISES. At termination of this Lease,
Lessee shall surrender the Expansion Premises and keys thereof to Lessor in the
same condition as at commencement of the term, natural wear and tear only
excepted.

         30. ADDRESSES AND NOTICES.

         (a) Except for legal process, which may also be served as by law
provided or as provided below, all notices required or desired to be given with
respect to this Lease shall, in
<PAGE>
order to be effective, be in writing and shall be deemed to be given to and
received by the party intended to receive such notice when hand delivered or
three days after such notice shall have been deposited, postage prepaid, to the
United States mail, certified, return receipt requested, properly addressed to
the addresses set forth in this Section below, with the return receipt
evidencing actual receipt. In the event of a change of address by either party,
such party shall have written notice thereof to the other party in accordance
with the foregoing.

         (b) To the extent permitted by law, (i) Lessee hereby appoints and
designates the Expansion Premises as a proper place for service of process upon
Lessee, and agrees that service of process upon any person apparently employed
by Lessee at or about the Expansion Premises or by leaving process in a
conspicuous place within the Expansion Premises or by the mailing of a copy
thereof by certified mail at Lessee's address set forth in this Section below
shall constitute personal service of such process upon Lessee (provided,
however, Lessor does not hereby waive the right to serve Lessee with process by
any other lawful means), (ii) Lessee hereby expressly waives the service of any
notice under any existing or future law of the State of Georgia applicable to
landlords and tenants, and (iii) Lessee hereby submits to the jurisdiction of
any state or federal court located in Fulton County, Georgia, as well as to the
jurisdiction of all courts from which an appeal may be taken from the aforesaid
courts for the purpose of any suit, action or other proceeding arising out of
Lessee's obligations under or with respect to this Lease and Lessee hereby
expressly waives any and all objections that Lessee may have as to jurisdiction
and/or venue in any of such courts.

                  Lessor's address:     Piedmont Maple L.L.C.
                                        3098 Piedmont Road
                                        Suite 490
                                        Atlanta, Georgia 30305
                                        Attn:  Craig Kaufman & David Eichenblatt

                  Lessee's address:     FITECH Systems, Inc.
                                        3098 Piedmont Road
                                        Suite #200
                                        Atlanta, Georgia 30305

         31. DAMAGE OR THEFT OF PERSONAL PROPERTY. Lessee agrees that all
personal property brought into the Expansion Premises shall be at the risk of
Lessee only and that Lessor shall not be liable for theft thereof or any damages
thereto occasioned from any act of co-tenants, or other occupants of the
Building or any other person.

         32. RULES AND REGULATIONS. The rules and regulations in regard to the
Building, attached hereto as Exhibit "B" and all rules and regulations which
Lessor may hereafter, from time to time, adopt and promulgate for the government
and management of said Building, are hereby made a part of this Lease and shall,
during the Lease Term, be in all things observed and performed by Lessee and by
Lessee's employees, servants and agents.

         33. EMINENT DOMAIN. It is mutually agreed that if the whole or any part
of the Expansion Premises shall be taken permanently (as opposed to temporary
appropriation) by Federal, State, County or City authority for public use, or
under any statute, or by right of
<PAGE>
eminent domain, then when possession shall be taken thereunder of the Expansion
Premises, or any part thereof, the term hereby granted and all rights of the
Lessee thereunder shall immediately cease and terminate. And it is expressly
agreed that Lessee shall not have any right or claim of any award made to or
received by Lessor for such taking.

         34. DEFINITIONS. "Lessor" as used in this Lease shall include the first
party, its heirs, representatives, assigns and successors in title to the
Expansion Premises. The term "Lessee" and the term "Tenant" shall have the same
meaning herein. "Lessee" shall include the second party, its heirs and
representatives, and if this Lease shall be validly assigned or sublet, shall
include also Lessee's assignees or subleases, as to the Expansion Premises
covered by such assignment or sublease. "Lessor" and "Lessee" shall include male
and female, singular and plural, corporation, partnership or individual, as may
fit the particular parties. If more than one individual or entity comprises and
constitutes Lessee, then all individuals and entities comprising Lessee are and
shall each be jointly and severally liable for the due and proper performance of
Lessee's covenants, duties and obligations arising under or in connection with
this Lease.

         35. GENERAL LIABILITY OF LESSEE. Lessee hereby agrees to hold Lessor
harmless and free from Liability because of injury to Lessee, its agents,
servants, employees, or third persons while in or on the Building or Expansion
Premises. Lessee shall be liable for and shall hold Lessor harmless in respect
of: damage or injury to Lessor, Expansion Premises, and property or persons of
Lessor's other tenants, or any one else, if due to act or neglect of Lessee, or
anyone in his control or employ. Lessee shall at once report in writing to
Lessor any defective condition known to him which Lessor is required to repair,
and failure to so report shall make Lessee responsible for damages resulting
from such defective condition. Lessee shall maintain at its expense, in an
amount equal to full replacement cost, broad form fire and extended coverage
insurance on its improvements in the Expansion Premises, and all of Lessee's
personal property, including removable trade futures, located in the Expansion
Premises. Lessee shall also, at its own expense, maintain a policy or policies
of comprehensive general liability insurance with respect to its activities in
the Building, such insurance to afford minimum protection of not less than
$1,000,000.00 combined single limit. Lessor and Lessee shall each endeavor to
have included in all policies of insurance respectively obtained by them with
respect to the Building and/or Expansion Premises a waiver by the insurer of all
the right of subrogation against the other in connection with any loss or damage
thereby insured against, and Lessor or Lessee, as the case may be, shall not be
liable to the other for loss or damage caused by any risk covered by any such
insurance which includes a waiver of all right of subrogation against Lessor or
Lessee, as the case may be.

         Lessee shall, during term of this Lease, procure at its expense and
keep in force the following insurance:

                  (i) Commercial general liability insurance naming the Lessor
         as an additional insured against any and all claims for bodily injury
         and property damage occurring in, upon or about the Expansion Premises
         arising out of Lessee's use and occupancy of the Expansion Premises.
         Such insurance shall have a combined single limit of not less than One
         Million Dollars ($1,000,000.00) per occurrence with a Two Million
         Dollar ($2,000,000.00) aggregate limit and excess umbrella liability
         insurance in the amount of Two Million Dollars ($2,000,000.00). If the
         Lessee has other locations that it owns or
<PAGE>
         leases, the policy shall include an aggregate limit per location
         endorsement. Such liability insurance shall be primary and not
         contributing to any insurance available to Lessor and Lessor's
         insurance shall be in excess thereto. In no event shall the limits of
         such insurance be considered as limiting the liability of Lessee under
         this Lease.

                  (ii) Personal property insurance insuring all equipment, trade
         fixtures, inventory, fixtures and personal property located in, upon or
         about the Expansion Premises for perils coverage by the causes of
         loss-special form (all risk) and in addition, coverage for flood,
         earthquake and boiler and machinery (if applicable). Such insurance
         shall be written on a replacement cost basis in an amount equal to one
         hundred percent (100%) of the full replacement value of the aggregate
         of the foregoing.

                  (iii) Worker's compensation insurance in accordance with
         statutory law and employer's liability insurance with a limit of not
         less than $1,000,000 per employee and $500,000 per occurrence.

                  (iv) Such other insurance as Lessor deems necessary and
         prudent or required by Lessor's beneficiaries, lenders or mortgagees of
         any deed to secure debt or mortgage encumbering the Expansion Premises.

         The policies required to be maintained by Lessee shall be with
companies rated A+ or better in the most current issue of Best's Insurance
Reports. Insurers shall be licensed to do business in the state in which the
Expansion Premises are located and compiled in the USA. Any deductible amounts
under any insurance policies required hereunder shall not exceed $1,000.
Certificates of insurance (certified copies of the policies may be required)
shall be delivered to Lessor prior to the commencement date and annually
thereafter at least thirty (30) days prior to the expiration date of the old
policy. Lessee shall have the right to provide insurance coverage which it is
obligated to carry pursuant to the terms hereof in a blanket policy, provided
such blanket policy expressly affords coverage to the Expansion Premises and to
Lessor as required by this Lease. Each policy of insurance shall provide
notification to Lessor at least thirty (30) days prior to any cancellation or
modification to reduce the insurance coverage.

         In the event Lessee does not purchase the insurance required by this
Lease or keep the same in full force and effect, Lessor may, but shall not be
obligated to, purchase the necessary insurance and pay the premium. The Lessee
shall repay to Lessor, as additional rent, the amount so paid promptly upon
demand. In addition, Lessor may recover from Lessee and Lessee agrees to pay, as
additional rent, any and all reasonable expenses (including attorneys' fees) and
damages which Lessor may sustain by reason of the failure of Lessee to obtain
and maintain such insurance.

         Lessor and Lessee hereby mutually waive their respective rights of
recovery against each other for any loss of, or damage to, either party's
property, to the extent that such loss or damage is insured by an insurance
policy required to be in effect at the time of such loss or damage. Each party
shall obtain any special endorsements, if required by its insurer, whereby the
insurer waives its rights of subrogation against the other party. The provisions
of this clause shall not apply in those instances in which waiver of subrogation
would cause either party's insurance coverage to be voided or otherwise made
uncollectible.
<PAGE>
         36. DISCLOSURE OF AGENCY RELATIONSHIP. The parties hereto do hereby
make the disclosure set forth in the section next to the blank line checked
below:

_________                (a) WHEN ONLY ONE REAL ESTATE FIRM IS INVOLVED IN THE
                  TRANSACTION AND IT ACTS AS AGENT OF LESSOR: ALAN JOEL
                  PROPERTIES, INC. has acted as agent for Lessor in this
                  transaction and is to be paid a commission by Lessor. ALAN
                  JOEL PROPERTIES, INC. has not acted as agent in this
                  transaction for Lessee.

X________                (b) WHEN ONE REAL ESTATE FIRM ACTS AS AGENT FOR LESSOR
                  AND ANOTHER REAL ESTATE FIRM ACTS AS AGENT FOR THE LESSEE IN
                  THE TRANSACTIONALAN JOEL PROPERTIES, INC. has acted as agent
                  for Lessor in this transaction and is to be paid a commission
                  by Lessor. JACK ANDERSON & ASSOCIATES, LTD. has acted as agent
                  for Lessee in this transaction and is to be paid a commission
                  by Lessor.

_________                (c) WHEN TWO REAL ESTATE FIRMS ARE ACTING AS AGENTS IN
                  THE TRANSACTION AND BOTH ARE ACTING AS AGENTS FOR LESSOR:
                  ________ and ________ have acted as agents for Lessor in this
                  transaction and are to be paid a commission by Lessor. Neither
                  _________ nor _________ has acted as agent for Lessee in this
                  transaction.

_________                (d) WHEN ONLY ONE REAL ESTATE FIRM IS INVOLVED IN THE
                  TRANSACTION AND IT ACTS AS AGENT OF LESSEE: _________ has
                  acted as agent for Lessee in this transaction and is to be
                  paid a commission by Lessor. __________ has not acted as agent
                  for Lessor in this transaction.

         37. BROKER. Lessee represents and warrants to Lessor that no broker,
agent, commission salesperson, or other person has represented Lessee in the
negotiations for and procurement of this Lease and of the Expansion Premises
(except as disclosed in Section 36) and that no commissions, fees, or
compensation of any kind are due and payable in connection herewith to any
broker, agent, commission salesperson, or other person (except as disclosed in
Section 36). Lessee agrees to indemnify and hold Lessor harmless from all loss,
cost and damage (including reasonable attorneys' fees and court costs) suffered
or incurred by Lessor as a result of a breach by Lessee of the representation
and warranty contained in the immediately preceding sentence or as a result of
Lessee's failure to pay commissions, fees or compensation due to any broker who
represented Lessee, whether or not disclosed.

         38. SPECIAL STIPULATION. Any special stipulations attached hereto shall
become a part of this Lease to the same extent as though set out in full herein.

         39. ESTOPPEL CERTIFICATE. Lessee shall deliver to Lessor within 5 days'
written notice of request any estoppel certificate or instrument indicating the
current status of this Lease agreement as provided by Lessor or Lessor's agent.

                            SIGNATURE PAGE TO FOLLOW
<PAGE>
         IN WITNESS WHEREOF, the parties have hereunto set their hands and
affixed their seals the day and year first above written.

                                        "LESSOR":

Signed, sealed and delivered
in the presence of:                     PIEDMONT MAPLE L.L.C.

                                        By: /s/ illegible
                                            ------------------------------------
 /s/ Barry R. Kyall                         Its: illegible
-----------------------------------              -------------------------------
Witness

                                        By: /s/ illegible
                                            ------------------------------------
                                            Its: illegible
                                                 -------------------------------

                                        "LESSEE":

Signed, sealed and delivered
in the presence of:                     FITECH SYSTEMS, INC.

                                        By: /s/ illegible
                                            ------------------------------------
 /s/ illegible                              Its: Sr. VP/Controller
-----------------------------------              -------------------------------
Witness

                                        "AGENT":

Signed, sealed and delivered
in the presence of:                     ALAN JOEL PROPERTIES, INC.

                                        By: /s/ illegible
                                            ------------------------------------
                                            Its: President
-----------------------------------              -------------------------------
Witness
<PAGE>
                                   EXHIBIT "A"

[Diagram of city block bordered on three sides by Maple Drive, East Paces Ferry
                             Road and Pedmont Road]
<PAGE>
                                   EXHIBIT "A"

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "B"

                              RULES AND REGULATIONS

(i)      The sidewalks and public portions of the Building, such as entrances,
         passages, courts, elevators, vestibules, stairways, corridors or halls,
         and the streets, alleys or ways surrounding or in the vicinity of the
         Building shall not be obstructed, even temporarily, or encumbered by
         Lessee, or used for any purpose other than ingress or egress to and
         from the Expansion Premises.

(ii)     No awnings or other projections shall be attached to the outside walls
         of the Building. No curtains, blinds, shades, louvered openings, tinted
         coating, film or screens shall be attached to or hung in, or used in
         connection with, any window, glass surface or door of the Expansion
         Premises, without the prior written consent of Lessor, unless installed
         by Lessor.

(iii)    No sign, advertisement, notice or other lettering shall be exhibited,
         inscribed, painted or affixed by Lessee on any part of the outside of
         the Expansion Premises or Building or on corridor walls. Signs on
         entrance door or doors shall be installed by a vendor approved by
         Lessor and shall conform to building standard signs. Signs on doors
         shall, at Lessee's expense, be inscribed, painted or affixed for each
         tenant by sign markers approved by Lessor. In the event of the
         violation of the foregoing by Lessee, Lessor may remove same without
         any liability, and may charge the expense incurred by such removal to
         Lessee as additional rent under the Lease.

(iv)     The sashes, sash doors, skylights, windows, heating, ventilating and
         air-conditioning vents and doors that reflect or admit light and air
         into the halls, passageways or other public places in the Building
         shall not be covered or obstructed by Lessee, nor shall any plants,
         bottles, parcels, or other articles be placed on the window sills.

(v)      No show cases or other articles shall be put in front of or affixed to
         any part of the exterior of the Building, nor placed in the public
         balls, corridors, or vestibules, without the prior written consent of
         Lessor.

(vi)     The water and wash closets and other plumbing fixtures shall not be
         used for any purposes other than those for which they were constructed,
         and no sweepings, rubbish, rags, or other substances shall be thrown
         therein. All costs and expenses resulting from any misuse of the
         fixtures shall be borne by Lessee as additional rent under the Lease.

(vii)    Lessee shall not in any way deface any part of the Expansion Premises
         or the Building. Lessee shall not lay linoleum, or other floor
         covering, so that the same shall come in direct contact with the floor
         of the Premise, and, if linoleum or other floor covering is desired to
         be used, an interlining of builder's deadening felt shall be first
         affixed to the floor, by a paste or other material, soluble in water,
         the use of cement or other similar adhesive material being expressly
         prohibited. No alterations, additions or improvements shall be made to
         the Expansion Premises without the prior written consent of Lessor.
<PAGE>
(viii)   No bicycles, vehicles, or animals of any kind shall be brought into or
         kept in or about the Expansion Premises. No cooking shall be done or
         permitted by Lessee on the Expansion Premises, except in conformity to
         law and then only in the utility kitchen, if as set forth in Lessee's
         layout, which is to be primarily used by Lessee's employees for heating
         beverages and light snacks. Lessee shall not cause or permit any
         unusual or objectionable odors to be produced or permeate from the
         Expansion Premises.

(ix)     No space in the Building shall be used for manufacturing, distribution,
         or for the storage of merchandise or for the sale of merchandise, goods
         or property of any kind at auction.

(x)      Lessee shall not make, or permit to be made any unseemly disturbing
         noises, or disturb or interfere with occupants of the Building or
         neighboring buildings or Expansion Premises or those having business
         with them, whether by the use of any musical instrument, radio talking
         machine, unmusical noise, whistling, singing, or in any other way.
         Lessee shall not throw anything out of the doors, windows or skylights,
         or into or down the passageways.

(xi)     Neither Lessee, nor any of Lessee's servants, employees, agents,
         invitees, visitors, or licensees, shall at any time bring or keep upon
         the Expansion Premises any inflammable, combustible or explosive fluid,
         or chemical substance, other than reasonable amounts of cleaning fluids
         or solvents required in the normal operation of Lessee's business
         office.

(xii)    No additional locks or bolts of any kind shall be placed upon any of
         the doors or windows by Lessee, nor shall any changes be made in
         existing locks or the mechanism thereof, without the prior written
         approval of Lessor. Lessor shall upon the termination of its tenancy,
         restore to Lessor all keys of stores, offices and toilet rooms, either
         furnished to, or otherwise procured by Lessee, and in the event of the
         loss of any keys so furnished, Lessee shall pay to Lessor the cost
         thereof, as additional rent under the Lease.

(xiii)   Lessee shall not overload the floor. Lessee shall obtain Lessor's
         consent before bringing any safes, freight, furniture, or bulky
         articles or matter in the Building or Expansion Premises and Lessor can
         specify to Lessee the location for the placement of such articles. All
         removals, or the carrying in or out of any safes, freight, furniture,
         or bulky articles or matter of any description must take place during
         the hours which Lessor or its agent may determine. Lessor reserves the
         right to inspect all freight to be brought into the Building and to
         exclude from the Building all freight which violates any of these Rules
         and Regulations, or which violates the Lease of which these Rules and
         Regulations are a part.

(xiv)    Lessee shall not occupy or permit any portion of the Expansion Premises
         to be occupied, without Lessor's express prior written consent, as an
         office for a public stenographer, or for the possession, storage,
         manufacture, or sale of liquor, narcotics, tobacco in any form, or as a
         barber or manicure shop, or as a public employment bureau or agency, or
         for a public finance (personal loan) business. Lessee shall not engage
         or pay any employees on the Expansion Premises, except those actually
         working for Lessee on said Expansion Premises, nor advertise for
         laborers giving an address of the Building.
<PAGE>
(xv)     Lessor shall have the right to prohibit any advertising by Lessee
         which, in Lessor's absolute discretion, tends to impair the reputation
         of the Building or its desirability as a building for offices, and upon
         written notice from Lessor, Lessee shall immediately refrain from or
         discontinue such advertising.

(xvi)    Access to the Building shall be regulated during other than normal
         business hours in such manner as Lessor deems reasonably appropriate.
         Lessor reserves the right to exclude from the Building between the
         hours of 6:00 p.m. and 8:00 a.m. and at all hours on Sundays and
         Holidays as set forth in the Lease, and after 1:00 p.m. on Saturdays
         all persons who do not have proper card access to the Building for
         off-hours entrance, or other proper identification for off-hours entry
         into the Building. In the case of invasion, mob, riot, public
         excitement or other circumstances rendering such action advisable in
         Lessor's opinion, Lessor reserves the right to prevent access to the
         Building during the continuance of the same by such action as Lessor
         may deem appropriate, including closing and securing doors.

(xvii)   The Expansion Premises shall not be used for lodging or sleeping or for
         any immoral or illegal purpose.

(xviii)  The requirements of Lessee will be attended to only upon written
         application at the office of the Building. Building employees shall not
         perform any work or do anything outside of their regular duties, unless
         under special instructions from Lessor.

(xix)    Canvassing, soliciting, and peddling in the Building are prohibited and
         Lessee shall cooperate to prevent the same.

(xx)     There shall not be used in any space of the Expansion Premises, or in
         the public halls of the Building, either by Lessee or by its jobbers or
         others, in the delivery or receipt of merchandise, any hand trucks,
         except those equipped with rubber tires and side guards.

(xxi)    All paneling, rounds or other wood products not considered furniture
         shall be of fire retardant materials. Before installation of any such
         materials, certification of the materials' fire retardant
         characteristics shall be submitted to Lessor or its agents, in a form
         and manner satisfactory to Lessor.

(xxii)   Lessee shall not install any vending machines in the Building or
         Expansion Premises, without Lessor's prior written consent.

(xxiii)  Lessor may, from time to time, waive any one or more of these Rules and
         Regulations for the benefit of any particular tenant or tenants, but no
         such waiver by Lessor shall be construed as a waiver of such Rules and
         Regulations in favor of any other tenant or tenants, nor prevent Lessor
         from thereafter enforcing any such Rules and Regulations against any or
         all of the tenants of the Building.

(xxiv)   These Rules and Regulations are a part of the Lease and are in addition
         to, and shall not be construed to in any way modify or amend, in whole
         or part, to terms, covenants, agreements and conditions of the main
         text (including Special Stipulations) of the Lease, which Lease text
         shall control in the instances of conflict with the Rules and
         Regulations.
<PAGE>
(xxv)    Lessor reserves the right to make such other and reasonable rules and
         regulations as in Lessor's judgment may, from time to time, be needed
         for safety, care and cleanliness of the Building, and for the
         preservation of good order therein. Such other rules and regulations
         shall be effective upon adoption by Lessor and written notification
         disseminated by Lessor to tenants in the Building.

(xxvi)   No electric current shall be used by the Lessee except that furnish or
         approved by the Lessor, nor shall electric or other wires be brought
         into the Expansion Premises except upon the written approval of the
         Lessor, and any electric current in excess of that considered by Lessor
         to be normal for all Lessees in the Building shall be paid for by
         Lessee, under such rates as are established by Lessor.

(xxvii)  Outside windows in the Expansion Premises shall not be opened except by
         Lessor, nor shall such windows be covered or obstructed by Lessee in
         any way.
<PAGE>
                                   EXHIBIT "C"

                              SPECIAL STIPULATIONS
                                   PAGE 1 OF 2

LESSOR:           PIEDMONT MAPLE L.L.C.

LESSEE:           FITECH SYSTEMS, INC.

EXPANSION
PREMISES:         3098 Piedmont Road, Suite #490, Atlanta, Fulton County,
                  Georgia 30305

DATE:             January 22, 1998

1.       Existing Leases. The existing Lease dated April 27, 1994 by and between
         Piedmont/Maple, LLC as assignee for Norrell Corporation as Lessor and
         Fitech Systems, Inc. as Lessee for the premises known as Suite #200
         located on the 2nd and 3rd floors of the Building comprising of
         approximately 17,407 square feet and the Second Lease dated November 1,
         1995 by and between Piedmont/Maple, LLC as Lessor and Fitech Systems as
         Lessee for the premises known as Suite #450 located on the fourth floor
         of the Building comprising of approximately 970 square feet shall both
         continue through the lease term of July 31, 1999. After July 31, 1999
         both of the above mentioned leases shall become null and void and be of
         no further force and effect.

2.       Expansion of the Premises. Lessee and Lessor agree that effective
         August 1, 1999 Lessor shall lease to Lessee and Lessee shall lease from
         Lessor the premises located on the 2nd, 3rd and 4th floors (as shown on
         attached Exhibit "D") of the Building comprising of approximately
         18,377 square feet which shall be remeasured in accordance to BOMA
         standards using a full floor tenant common area factor of 10.5% and a
         multi-tenant common area factor of 14.5% (collectively, the "Premises")
         for a term of five (5) years commencing on August 1, 1999 and ending on
         July 31, 2004. The rental rate for the Premises shall be as follows:

<TABLE>
<CAPTION>
        Period:                                                 Rate per RSF:
        -------                                                 -------------
<S>                                                             <C>
        08/01/99 - 07/31/00                                     $16.65
        08/01/00 - 07/31/01                                     $17.26
        08/01/01 - 07/31/02                                     $17.89
        08/01/02 - 07/31/03                                     $18.54
        08/01/03 - 07/31/04                                     $19.22
</TABLE>

3. Tenant Improvements. Within a reasonable time to begin no later than five (5)
days following the execution of this Lease, Lessor shall paint the Expansion
Premises (Suite 490 approximately 1828 sq. ft) using Building standard paint
finishes. In addition, Lessor shall steam clean the carpets throughout the
Expansion Premises only.
<PAGE>
So long as Lessee is not in default of this Lease as of July 31, 1999, Lessor
shall reimburse, within 30 days of completion, directly to Lessee for the cost
to repaint and re-carpet the Premises located on the 2nd ,3rd and 4th floors
(excluding the Expansion Premises in suite 490). Notwithstanding the above,
Lessor shall only reimburse Lessee for the cost of re-carpeting the Premises so
long as the cost of the carpet does not exceed $10.00 per usable square yard
installed. Lessor shall approve in writing Lessee's contractor(s) for said
improvements. Said approval shall not be unreasonably withheld or delayed.

3. Cancellation Right. Tenant shall have the right to cancel this Lease only as
it applies to the Expansion Premises (Suite 490 comprising of approximately 1828
sq. ft) and that certain portion of the Premises known as Suite #450, located on
the fourth floor of the Building comprising of approximately 970 square feet
(see cross hatched section of Exhibit "E"). Said Cancellation Right shall only
be exercisable upon the following terms and conditions:

         1)       Lessee leases Suite #330 located on the 3rd floor of the
                  Building comprising of approximately 1603 rentable sq. ft.
                  (hereinafter referred to as "Relocation Premises" as shown on
                  attached Exhibit "F") under the then current terms and
                  conditions of the Expansion Space.

         2)       Lessee is not then in default of this Lease.

         3)       Lessee shall provide Lessor with a 90 days advance written
                  notice of its intent to relocate to the Relocation Premise
                  (Suite 330 approximately 1603 sq. ft.)

Lessor shall give Lessee written notice of the availability of the Relocation
Premises and Lessee shall have ten (10) days to respond to Lessor in writing of
its intent to accept the Relocation Premises under the then current terms and
conditions of the Expansion Premises. Only if Lessee accepts the Relocation
Premises may Lessee exercise this Cancellation Right. If Lessee exercises its
Cancellation Right in accordance to this paragraph then Lessee shall not have to
pay rent on the Expansion Premises and the released portion of the Premises
(Suite #450 approximately 970 sq. ft.). Should Lessee elect to reject the
Relocation Premises, then Lessee shall continue to lease the Expansion Premises
under the existing terms and conditions.

4. Right of First Offer. Subject to any existing tenants' renewal options,
Lessee shall have a Right of First Offer on any space, which shall become
available on the 3rd floor of the Building. Lessor shall provide Lessee with
written notice of the availability of any such space on the 3rd floor of the
Building and Lessee shall have ten (10) days to accept said space under the then
current terms and conditions of the Expansion Premises. If Tenant elects not to
exercise its Right of First Offer then Lessor shall have the right to lease said
space to any other third party tenant(s) and Lessee shall have no further rights
on said space.

In addition to the above, so long as Lessee has exercised all of its Rights of
First Offer, on the (3rd) floor of the Building, Lessee shall have additional
rights as described above on the (4th) floor of the Building. This Right of
First Offer for any existing space on the 4th floor of the Building shall
exclude Suite #400 comprising of approximately 1160 square feet (as shown on
attached Exhibit "G"). Lessee shall have no rights on Suite #400 of the
Building.
<PAGE>
5. Concessions: So long as Lessee is not in default of this Lease, Lessee shall
be entitled to a Rental Concession equal to Seven Thousand and 00/100 - dollars
($7,000.00) per month for the following months: September 2001, October 2001,
September 2002 and October 2002. Said Rental Concessions may be deducted from
Lessee's Base Rental payment for the appropriate month.

6. Signage: Lessee shall have the right to an additional two (2) lines in the
lobby directory for a total of 3 lines.

7. Parking: All parking for Lessee and Lessee's visitors shall be unassigned and
free of charge.

8. Separate Utilities: Lessee shall pay for all costs associated with the
computer room including but not limited to the electrical charge, upkeep and
maintenance and any repairs on the separate HVAC system.

9. Should Lessee exercise its right of first offer on any 3rd floor space,
Landlord agrees to recarpet @ $10/ sq yd. and repaint said if there is a least 3
years remaining on the primary lease.
<PAGE>
                                   EXHIBIT "D"

                 [Diagram of second floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "D"

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "D"

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "E"

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "F"

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "G"

                 [Diagram of fourth floor of 3098 Piedmont Road]

<PAGE>
STATE OF GEORGIA
COUNTY OF FULTON

                       FIRST AMENDMENT TO LEASE AGREEMENT

         THIS FIRST AMENDMENT TO LEASE AGREEMENT is entered into this 10th day
of February, 1999 by and between PIEDMONT/MAPLE, L.L.C., a Georgia limited
liability company, (hereinafter referred to as "Lessor", and FITECH SYSTEMS,
INC., a Georgia corporation (hereinafter referred to as "Lessee").

                              W I T N E S S E T H:

         WHEREAS, on or about January 22, 1998, Lessor and Lessee entered into
that certain Lease Agreement (hereinafter referred to as the "Lease") pursuant
to which Lessee leased from Lessor certain premises on the fourth (4th) floor of
the building (hereinafter referred to as the "Initial Premises") known as Suite
470, located at 3098 Piedmont Road, Atlanta, Fulton County, Georgia,
(hereinafter referred to as the "Building"), which are more particularly
described in the Lease; and

         WHEREAS, Lessor and Lessee desire to amend the Lease to provide for the
expansion of the Initial Premises and certain other matters relating thereto as
more particularly set forth herein;

         NOW, THEREFORE, for and in consideration of the mutual covenants and
conditions set forth herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Lessor and Lessee
hereby agree to amend as follows:

                        1. RIGHT OF FIRST OFFER EXERCISED
                             Suite #320 & Suite #350

         Pursuant to the letter agreement dated October 28, 1998 and accepted by
         Lessee on October 30, 1998, Lessee is hereby exercising its Right of
         First Offer defined in Special Stipulation #4 of the Lease for Suite
         #320 consisting of approximately 744 rentable square feet and Suite
         #350 consisting of approximately 771 rentable square feet for a total
         of approximately 1,515 rentable square feet located on the third (3rd)
         floor of the Building (hereinafter "Expansion Premises") and shown on
         attached Exhibit "A". The lease term for this Expansion Premises shall
         commence upon the delivery of said Expansion Premises to Lessee
         ("Commencement Date") and shall be co-terminus with the Lease. A copy
         of the above referenced letter Agreement is attached hereto as Exhibit
         "B".

                                 2. RENTAL RATE

         The base Rental Rate for the Expansion Premises shall be as follows:
<PAGE>
         <TABLE>
         <CAPTION>
         Period                                      Monthly Rate
         ------                                      ------------
         <S>                        <C>              <C>
         Commencement Date          - 07/31/99         $2,060.40
         08/01/99                   - 07/31/00         $2,136.15
         08/01/00                   - 07/31/01         $2,214.43
         08/01/01                   - 07/31/02         $2,295.23
         08/01/02                   - 07/31/03         $2,378.55
         08/01/03                   - 07/31/04         $2,465.66
         </TABLE>

                             3. TENANT IMPROVEMENTS

         Lessor shall, at its sole cost and expense, paint and carpet the Right
         of First Offer Premises using Lessee's choice of Building standard
         finishes. Notwithstanding, in no event shall Lessor's cost for the
         installation of the carpet exceed $10 per square yard. Lessor shall not
         be responsible for any other improvements to the Initial Premises
         and/or the Expansion Premises, whatsoever.

                         4. CANCELLATION RIGHT REJECTED

         Lessee hereby acknowledges its Rejection of its Cancellation Right as
         defined in Special Stipulation #3 of the Lease. Among other things,
         this Rejection of Cancellation Right also indicates a Rejection of the
         Relocation Premises consisting of approximately 1,603 rentable square
         feet located on the third (3rd) floor of the building and commonly
         known as Suite #330. Lessee shall have no further Cancellation Rights
         and no further rights to the Relocation Premises. A copy of the letter
         dated October 28, 1998 notifying Lessee of its Cancellation Right is
         attached hereto as Exhibit "C". Lessee forfeited the above mentioned
         Cancellation Right by failing to respond in writing to said letter
         within the allotted ten (10) day time period.

                        5. RIGHT OF FIRST OFFER REJECTED
                                   SUITE #330

         In addition to Lessee Rejecting its Cancellation Right, Lessee hereby
         acknowledges its rejection of its Right of First Offer as defined in
         Special Stipulation #4 of the Lease as it applies to Suite #330 located
         on the third (3rd) floor of the Building and consisting of
         approximately 1,603 rentable square feet. Lessee shall have no further
         rights to said space. A copy of the letter dated November 11, 1998
         notifying Lessee of the availability of its Right of First Offer is
         attached hereto as Exhibit "D". Lessee forfeited the above mentioned
         Right of First Offer by failing to respond in writing to said letter
         within the allotted ten (10) day time period.

<PAGE>
        Except as expressly amended hereby, all terms and conditions of the
Lease remain in full force and effect, and are hereby ratified by the parties.

                                            "LESSOR":

Signed, sealed and delivered in             PIEDMONT MAPLE, L.L.C., a Georgia
the presence of:                            limited liability company

/s/ illegible                               By /s/ illegible
--------------------------------------        ---------------------------------
Witness

                                            Its: Manager
                                                -------------------------------

                                            "LESSEE":

Signed, sealed and delivered in             FITECH SYSTEMS, INC., a Georgia
the presence of:                            corporation

/s/ Katherine L. Palmer                     By: /s/ Michael D. Evans
--------------------------------------         --------------------------------
Witness
                                            Its: Executive V.P.
                                                -------------------------------
<PAGE>
                                   EXHIBIT "A"

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "B"

                        [ALAN JOEL PARTNERS LETTERHEAD]

October 28, 1998

Mr. Robert Schlick
FITECH Systems, Inc.
3098 Piedmont Road
Suite #200
Atlanta, Georgia 30305

Re:       Availability of Right of First Offer space on the third floor of 3098
          Piedmont Road, Atlanta, Fulton County, Georgia (the "Building") as per
          that certain Lease Agreement (the "Lease") dated January 22, 1998 by
          and between Piedmont/Maple, L.L.C. as Lessor and FITECH Systems, Inc.
          as Lessee for the Expansion Premises known as Suite #490 within the
          Building.

Dear Bob:

This letter is in response to the above referenced Lease and is to serve as
official notice of the upcoming availability of Right of First Offer space
within the Building, known as suite #320 consisting of approximately 744
rentable square feet and suite #350 consisting of approximately 771 rentable
square feet (the "Right of First Offer Premises" as shown on attached Exhibit
"A"). Lessor is hereby notifying Lessee that due to the fact that the existing
lessee in the Right of First Offer Premises will not be exercising its renewal
option, the Right of First Offer Premises will be available after December 31,
1998.

In accordance with Special Stipulation #4 of the Lease, a copy of which is
attached, Lessee shall have ten (10) days from receipt of this notice in which
to respond to Lessor in writing as to Lessee's intent to lease or reject this
Right of First Offer Premises. In the event Lessee opts to exercise its Right of
First Offer, the following terms shall apply:

Lease Term for Right
Of First Offer Premises: To commence on January 1, 1998 (subject to Delivery of
                         Right of First Offer as described below) and to be
                         co-terminus with existing Lease Term.

Delivery of Right of
First Offer Premises:    Lessor shall deliver the Right of First Offer Premises
                         to Lessee upon obtaining possession of said space from
                         the existing lessee. Lessor shall not be liable to
                         Lessee in any manner whatsoever for any holdover by the
                         existing lessee.

Rental Rate:             01/01/99 - 07/31/99           $16.32 per RSF
                         08/01/99 - 07/31/00           $16.92 per RSF
                         08/01/00 - 07/31/01           $17.54 per RSF
                         08/01/01 - 07/31/02           $16.18 per RSF
                         08/01/02 - 07/31/03           $18.64 per RSF
                         08/01/03 - 07/31/04           $19.53 per RSF
<PAGE>
                                  EXHIBIT "B"

Mr. Robert Schlick
October 28, 1998
Page Two

Tenant
Improvements:     Lessor shall, at its sole cost and expense, paint and
                  carpet the Right of First Offer Premises using Lessee's choice
                  of Building standard finishes. Notwithstanding, in no event
                  shall Lessor's cost for the installation of the carpet exceed
                  $10 per square yard. Lessor shall not be responsible for any
                  other improvements, whatsoever.

Please signify your exercising of the Right of First Offer by executing this
document on behalf of Lessee in the space indicated below and returning this
document to my attention at the address above within ten (10) days. Failure to
exercise the Right of First Offer and / or failure to return written
notification of said exercising of the Right of First Offer within the allotted
ten (10) day period shall cause Lessee to forfeit its Right of First Offer with
respect to the Right of First Offer Premises and to forfeit any future claims to
the Right of First Offer Premises and shall cause Lessor to be relieved of any
and all obligation to Lessee with respect to said Right of First Offer with
respect to this Right of First Offer Premises.

Please do not hesitate to call should you have any questions or concerns. Your
prompt attention to this matter is greatly appreciated.

                              Agreed and accepted the 30th day of October, 1998.
                                       LESSEE: FITECH SYSTEMS, INC.

                                       By: /s/ Michael D. Evans
                                          -------------------------------------

                                       Its: Executive V.P.
                                           -------------------------------------

Sincerely,

ALAN JOEL PARTNERS

/s/ Gerilyn C. Forister
Gerilyn C. Forister
Associate

Attachments:  Exhibit "A" - Right of First Offer space
              Copy of Special Stipulation #4 of the Lease

cc:           Mr. Jim Knudsen, DECK Leasing and Management
              With attachments
<PAGE>
                                  EXHIBIT "C"

                        [ALAN JOEL PARTNERS LETTERHEAD]

October 28, 1998

Mr. Robert Schlick
FITECH Systems, Inc.
3098 Piedmont Road
Suite #200
Atlanta,  Georgia 30305

Re:       Cancellation Right and Availability of Relocation Premises as per
          that certain Lease Agreement (the "Lease") dated January 22, 1998 by
          and between Piedmont/Maple, L.L.C. as Lessor and FITECH Systems,
          Inc. as Lessee for the Expansion Premises known as 3098 Piedmont Road
          (the "Building"), Suite #490, Atlanta, Georgia 30305.

Dear Bob:

This letter is in response to the above referenced Lease and is to serve as
official notice of the upcoming availability of suite #330 in the 3098 Piedmont
Road Building, attached hereto as Exhibit "A" and consisting of approximately
1603 rentable square feet (the "Relocation Premises"). Lessor is hereby
notifying Lessee that the Relocation Premises will become available after
December 31, 1998.

In accordance with Special Stipulation #3 of the Lease, a copy of which is
attached, Lessee shall have ten (10) days from receipt of this notice in which
to respond to Lessor in writing as to Lessee's intent to lease or reject its
Cancellation Right which would, among other things, indicate Lessee's
acceptance or rejection of the Relocation Premises. In the event Lessee
exercise its Cancellation Right and therefore lease the Relocation Premises,
the Lease stipulates that the following terms shall apply:

Cancellation:            Lessee shall cancel the Lease as it applies to suite
                         #490 (defined in the Lease as the "Expansion Premises")
                         consisting of approximately 1,828 RSF and as it applies
                         to that certain portion of the Premises (as defined in
                         the Lease) known as suite #450 consisting of
                         approximately 970 RSF, Lessee shall surrender suite
                         #450 & #490 the later of December 31, 1998 or upon the
                         availability of the Relocation Premises in the same
                         condition as at the commencement of the Lease, normal
                         wear and tear only excepted.

Lease Term for
Relocation Premises:     To commence on January 1, 1999 (subject to Delivery of
                         Relocation Premises as described below) and to be
                         co-terminus with existing Lease Term.

Delivery of
Relocation Premises:     Lessor shall deliver the Relocation Premises to Lessee
                         upon obtaining possession of said space from the
                         existing lessees. Lessor shall not be liable to Lessee
                         in any manner whatsoever for any holdover by the
                         existing lessee.

<PAGE>
                                   EXHIBIT "C"

Mr. Robert Schlick
October 28, 1998
Page Two

<TABLE>
<S>              <C>                     <C>
Rental Rate:     01/01/99 - 07/31/99     $16.32 per RSF
                 08/01/99 - 07/31/00     $16.92 per RSF
                 08/01/00 - 07/31/01     $17.54 per RSF
                 08/01/01 - 07/31/02     $18.18 per RSF
                 08/01/02 - 07/31/03     $18.84 per RSF
                 08/01/03 - 07/31/04     $19.53 per RSF

Tenant
Improvements:    Lessee shall be responsible for any and all improvements to the
                 Premises, with Lessor's reasonable approval. Notwithstanding,
                 so long as Lessee is not in default of this Lease as of
                 July 31, 1999, Lessor shall reimburse Lessee for the actual
                 cost of to repaint and re-carpet the Premises (reimbursement
                 cost of carpet not to exceed $10.00 per usable square yard
                 installed).
</TABLE>

Please signify your exercising of the Cancellation Right acceptance of the
Relocation Premises by executing this document on behalf of Lessee in the space
indicated below and returning this document to my attention at the address above
as soon as possible. Failure to exercise the Cancellation Right and accept the
Relocation Premises and / or failure to return written notification of said
Cancellation and acceptance within the allotted ten (10) day period shall cause
Lessee to forfeit its Cancellation Right and to forfeit any future claims to the
Relocation Premises and shall cause Lessor to be relieved of any and all
obligation to Lessee with respect to said Cancellation Right and Relocation
Premises.

Please do not hesitate to call should you have any questions or comments. Your
prompt attention to this matter is greatly appreciated.

                               Agreed and accepted the ___ day of October, 1998.
                                 LESSEE:  FITECH SYSTEMS, INC.

                               By:_____________________________________
                               Its:____________________________________

Sincerely,

ALAN JOEL PARTNERS

/s/ Gerilyn C. Forister
Gerilyn C. Forister
Associate
<PAGE>
Attachments:   Exhibit "A" - Right of First Refusal space
               Copy of Special Stipulation #3 of the Lease

cc:            Mr. Jim Knudsen, DECK Leasing and Management
               With attachments
<PAGE>
                                   EXHIBIT "D"

                        [ALAN JOEL PARTNERS LETTERHEAD]

November 10, 1998

Mr. Robert Schlick
FITECH Systems, Inc.
3098 Piedmont Road
Suite #200
Atlanta, Georgia 30305

Re:      Availability of Right of First Offer space on the third floor of 3098
         Piedmont Road, Atlanta, Fulton County, Georgia (the "Building") as per
         that certain Lease Agreement (the "Lease") dated January 22, 1998 by
         and between Piedmont/Maple, L.L.C. as Lessor and FITECH Systems, Inc.
         as Lessee for the Expansion Premises known as Suite #490 within the
         Building.

Dear Bob:

This letter is in response to the above referenced Lease and is to serve as
official notice of the upcoming availability of Right of First Offer space
within the Building, known as suite #330 consisting of approximately 1603
rentable square feet (the "Right of First Offer Premises" as shown on attached
Exhibit "A"). Lessor is hereby notifying Lessee that the Right of First Offer
Premises will be available after December 31, 1998.

In accordance with Special Stipulation #4 of the Lease, a copy of which is
attached, Lessee shall have ten (10) days from receipt of this notice in which
to respond to Lessor in writing as to Lessee's intent to lease or reject this
Right of First Offer Premises. In the event Lessee opts to exercise its Right of
First Offer, the following terms shall apply:

Lease Term for Right Of
First Offer Premises:      To commence on January 1, 1999 (subject to Delivery
                           of Right of First Offer as described below) and to be
                           co-terminus with existing Lease Term.

Delivery of Right of
First Offer Premises:      Lessor shall deliver the Right of First Offer
                           Premises to Lessee upon obtaining possession of said
                           space from the existing lessee. Lessor shall not be
                           liable to Lessee in any manner whatsoever for any
                           holdover by the existing lessee.

<TABLE>
<S>                        <C>                    <C>
Rental Rate:               01/01/99-07/31/99      $16.32 per RSF
                           08/01/99-07/31/00      $16.92 per RSF
                           08/01/00-07/31/01      $17.54 per RSF
                           08/01/01-07/31/02      $18.18 per RSF
                           08/01/02-07/31/03      $18.84 per RSF
                           08/01/03-07/31/04      $19.53 per RSF
</TABLE>
<PAGE>
                                   EXHIBIT "D"

Mr. Robert Schlick
November 10, 1998
Page Two

Tenant
Improvements:              Lessee shall, at its sole cost and expense, paint and
                           carpet the Right of First Offer Premises using
                           Lessee's choice of Building standard finishes.
                           Notwithstanding, in no event shall Lessor's cost for
                           the installation of the carpet exceed $10 per square
                           yard. Lessor shall not be responsible for any other
                           improvements, whatsoever.

Please signify your exercising of the Right of First Offer by executing this
document on behalf of Lessee in the space indicated below and returning this
document to my attention at the address above within ten (10) days. Failure to
exercise the Right of First Offer and/or failure to return written notification
of said exercising of the Right of First Offer within the allotted ten (10) day
period shall cause Lessee to forfeit its Right of First Offer with respect to
the Right of First Offer Premises and to forfeit any future claims to the Right
of First Offer Premises and shall cause Lessor to be relieved of any and all
obligation to Lessee with respect to said Right of First Offer with respect to
this Right of First Offer Premises.

Please do not hesitate to call should you have any questions or comments. Your
prompt attention to this matter is greatly appreciated.

                               Agreed and accepted the __ day of November, 1998.
                                 LESSEE:  FITECH SYSTEMS, INC.

                               By:____________________________________________
                               Its:___________________________________________

Sincerely,

ALAN JOEL PARTNERS

/s/ Gerilyn C. Forister
Gerilyn C. Forister
Associate

Attachments:   Exhibit "A" - Right of First Offer space
               Copy of Special Stipulation #4 of the Lease

cc:            Mr. Jim Knudsen, DECK Leasing and Management
               With attachments
<PAGE>
STATE OF GEORGIA
COUNTY OF FULTON

                       SECOND AMENDMENT TO LEASE AGREEMENT

         THIS SECOND AMENDMENT TO LEASE AGREEMENT is entered into this 3rd day
of September, 1999 by and between PIEDMONT/MAPLE, L.L.C., a Georgia limited
liability company, (hereinafter referred to as "Lessor"), and FITECH SYSTEMS,
L.P., a Georgia corporation (hereinafter referred to as "Lessee").

                              W I T N E S S E T H:

         WHEREAS, Lessor and Lessee entered into that certain Lease Agreement
dated January 22, 1998 and subsequent First Amendment to Lease Agreement dated
February 10, 1999 (hereinafter collectively referred to as the "Lease") pursuant
to which Lessee leased from Lessor certain premises on the second (2nd), third
(3rd) and fourth (4th) floors of the building (hereinafter referred to as the
"Initial Premises" and shown on attached Exhibit "A") known as Suite #200,
located at 3098 Piedmont Road, Atlanta, Fulton County, Georgia, 30305
(hereinafter referred to as the "Building"), which are more particularly
described in the Lease; and

         WHEREAS, Lessor and Lessee desire to amend the Lease to provide for the
modification of the Premises and certain other matters relating thereto as more
particularly set forth herein;

         NOW, THEREFORE, for and in consideration of the mutual covenants and
conditions set forth herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, Lessor and Lessee
hereby agree to amend as follows:

                  1. TERMINATION OF LEASE RIGHTS ON SUITE #470

         Lessor and Lessee hereby agreed that effective September 1, 1999 (the
         "Effective Date") Lessee shall surrender all leasehold rights for the
         approximately 1,828 rentable square feet known as Suite #470 of the
         Initial Premises (shown on attached Exhibit "B"). In addition, as of
         the Effective Date, Lessee shall be relieved of all obligations
         associated with the leasing of said Suite #470 except for those
         obligations, which by their nature, survive this termination. Lessee
         shall deliver Suite #470 to Lessor along with all keys to said suite in
         the same condition in which it was presented, in a "broom clean"
         condition, normal wear and tear excepted.

                            2. EXPANSION OF PREMISES

         So long as Lessee is not in default of its lease, as of the Effective
         Date, Lessor leases to Lessee and Lessee leases from Lessor Suite 420
         (shown on the attached Exhibit "C") for a total expansion area of
         approximately 1,744 RSF ("Expansion Premises"). Said Expansion Premises
         shall be leased by Lessee under the same terms and conditions as those
         set forth in the Lease.
<PAGE>
                              3. MODIFIED PREMISES

         Lessor and Lessee hereby agree, that as of the Effective Date in
         accordance with the above and in accordance with Special Stipulation #2
         of the Lease, the total area leased by Lessee (which includes the
         Initial Premises, minus Suite #470, plus the Expansion Premises)
         consists of a total of 23,346 Rentable Square Feet ("Modified
         Premises") as shown on the attached Exhibit "D".

                                 4. RENTAL RATE

         The rental rate for the Modified Premises shall be in accordance with
         the rates stated in Special Stipulation #2 of the Lease. Therefore, as
         of the Effective Date the rental rate for the entire Modified Premises
         shall be as follows:

<TABLE>
<CAPTION>
            Period                      Rate Per RSF       Monthly Rate
            ------                      ------------       ------------
            <S>                         <C>                <C>
            09/01/99-07/31/00           $16.65             $32,392.58
            08/01/00-07/31/01           $17.26             $33,579.33
            08/01/01-07/31/02           $17.89             $34,805.00
            08/01/02-07/31/03           $18.54             $36,069.57
            08/01/03-07/31/04           $19.22             $37,392.51
</TABLE>

                                             "LESSOR"

Signed, sealed and delivered in              PIEDMONT MAPLE, L.L.C., a Georgia
the presence of:                             limited liability company

/s/ illegible                                By: /s/ illegible
-------------------------------                  -------------------------------
Witness illegible
                                             Its: /s/ illegible
                                                  ------------------------------

                                             "LESSEE"

Signed, sealed and delivered                 FITECH SYSTEMS, INC., a Georgia
the presence of:                             corporation

/s/ illegible                                By: /s/ Michael D. Evans
-------------------------------                  -------------------------------
Witness
                                             Its: Executive VP
                                                  ------------------------------

<PAGE>
                                   EXHIBIT "A"
                                INITIAL PREMISES
                                   PAGE 1 OF 3

                 [Diagram of second floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "A"
                                INITIAL PREMISES
                                   PAGE 2 OF 3

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "A"
                                INITIAL PREMISES
                                   PAGE 3 OF 3

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "B"
                   SUITE #470 TERMINATION OF LEASEHOLD RIGHTS
                                   PAGE 1 OF 1

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "C"
                               EXPANSION PREMISES
                                   PAGE 1 OF 1

                 [Diagram of fourth floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "D"
                                MODIFIED PREMISES
                                   PAGE 1 OF 3

                 [Diagram of second floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "D"
                                MODIFIED PREMISES
                                   PAGE 2 OF 3

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                                   EXHIBIT "D"
                                MODIFIED PREMISES
                                   PAGE 3 OF 3

                 [Diagram of fourth floor of 3098 Piedmont Road]

<PAGE>

                               ASSIGNMENT OF LEASE

THIS ASSIGNMENT OF LEASE is made as of the 31ST day of AUGUST, 2000, by and
between FITECH SYSTEMS, L.P., A GEORGIA LIMITED PARTNERSHIP (hereinafter
"Assignor") and LIBERTY FITECH SYSTEMS, INC. (F/K/A FS ACQUISITION, INC.)
("Assignee").

                              W I T N E S S E T H:

         WHEREAS, Assignor is the Tenant under the terms, covenants and
agreements of that certain lease between PIEDMONT/MAPLE, L.L.C., as Landlord,
and Assignor, as Tenant dated the 22ND day of JANUARY, 1998, as amended by that
First Amendment to Lease Agreement dated 10 February 1999 and by that Second
Amendment to Lease Agreement dated 3 September 1999 (collectively hereinafter
the "Lease"), a copy of which is attached hereto as Exhibit "A" relating to
certain Premises on the second, third, and fourth floor generally known as Suite
#200 totaling approximately 23,346 Rentable Square Feet located at 3098 Piedmont
Road, Atlanta, GA, 30305 (the "Premises"); and

         WHEREAS, Assignor desires to assign all of its right, title and
interest in and to the Lease to Assignee commencing on the date of this
assignment.

         NOW, THEREFORE, for and in consideration of the sum of Ten Dollars
($10.00) in hand paid by Assignee to Assignor, and other good and valuable
considerations, the receipt and sufficiency of which are hereby acknowledged,
Assignor hereby assigns, transfers and conveys all of its right, title and
interest in and to the Lease to Assignee.

         Assignor hereby warrants to Assignee that (i) it is the sole owner of
the Tenant's interest under the Lease free from any and all claims and
encumbrances of any nature, (ii) as of the date hereof, and upon receipt of the
payment to Landlord of $46,661.61 referenced below the "Past Due Rent Amount"),
all rental payments are current and Assignor is not otherwise in default under
any of its obligations under the Lease, (iii) Landlord has not defaulted under
any of its obligations under the terms of the Lease, (iv) the Lease is valid and
enforceable and has not been supplemented, amended, or modified or assigned
except as set forth herein, (v) Landlord has no claim against Assignor for
damages of any kind arising out of the Lease or otherwise, (vi) Assignor has not
received notice that the operation of the business by Assignor in the Premises,
or the improvements installed by Assignor in the Premises, violate any
applicable Federal, State or local ordinances, codes, statutes, rules or
regulations, and (vii) Exhibit "A" is a true, complete and accurate copy of the
entire Lease and there are no modifications or amendments to the Lease which are
not set forth on Exhibit "A". Assignor hereby indemnifies Assignee from any
claim, loss, cost or expense (including attorneys' fees) which Assignee may
suffer as the result of Assignor's status as tenant under the Lease or a breach
by Assignor of its duties under the Lease, occurring up to and including the
date hereof.

      Assignee, by its acceptance hereof, hereby assumes the obligations of
Assignor under the Lease arising from and after the date hereof, except those
obligations arising or related to the period of time prior to the date of this
Assignment and agrees that it shall perform all of Assignor's duties under the
terms, covenants and agreements of the Lease arising from and after
<PAGE>
the date hereof. To Assignee's knowledge, without inquiry or investigation other
than examination of the Premises and inquiry to Assignor, Landlord is not in
default under the Lease.

      Assignor and Assignee represents and warrants to Landlord that each has
the right and authority to execute and deliver this Assignment and that the Past
Due Rent Amount will be paid to Landlord within 5 business days after the
closing of the transaction between Assignor and Assignee.

      This Assignment shall inure to the benefit of and be binding upon the
respective heirs, personal representatives, successors and assigns of the
parties hereto.

      This Assignment shall be construed and enforced in accordance with the
laws of the State of GEORGIA.

      Notices shall be deemed effectively given when delivered as per the Lease
to the following if different from the Lease;

                       Assignor:    FITECH SYSTEMS, L.P
                                    3098 PIEDMONT ROAD NE, SUITE 200
                                    ATLANTA, GA 30305
                                    TELEFAX NO.: 404-233-4815

                       Assignee:    LIBERTY FITECH SYSTEMS, INC.
                                    LIBERTY DEVELOPMENT CENTER
                                    5267 PROGRAM AVENUE
                                    MOUNTS VIEW, MN 55112
                                    TELEFAX NO.: 651-604-5506

      IN WITNESS WHEREOF, Assignor and Assignee have executed this Assignment of
Lease under seal as of the day and year first above written.

                            LIBERTY FITECH SYSTEMS, INC.

                            By:       /s/ Leon I. Steinberg
                                     -------------------------------------------
                                     Leon I. Steinberg, Chief Executive Officer

                            FITECH SYSTEMS, L.P.

                            By:       /s/ Sanders N. Green
                                     -------------------------------------------
                                     Sanders N. Green, Chief Executive Officer
                                     of FiTECH, Inc., a Georgia Corporation, and
                                     General Partner of FiTECH Systems, L.P.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
<PAGE>
                               CONSENT OF LANDLORD

      Landlord hereby consents to the foregoing assignment of the Lease by
Assignor to Assignee.

      Landlord represents, warrants and confirms that to its knowledge as of the
date hereof, and upon receipt of the payment to Landlord of $46,661.61 ("Past
Due Rent Amount"), all rental payments are current and Assignor is not otherwise
in default under any of its obligations under the Lease. Landlord's Consent to
this assignment will be effective upon Landlord's receipt of the entire Past Due
Rent Amount.

                            LANDLORD:

                                  PIEDMONT/MAPLE, LLC
                                  a Georgia limited liability company

                                  By:  Kaufman Development Partners, LP
                                  a Georgia limited partnership, as Member

                                  By:  Kaufman Realty Group, Inc.
                                     -------------------------------------------
                                       a Georgia corporation, its sole General
                                       Partner

                                  By:  /s/ illegible
                                     -------------------------------------------

                                  Title:  President
                                        ----------------------------------------
<PAGE>
                       THIRD AMENDMENT TO LEASE AGREEMENT

      THIS THIRD AMENDMENT TO LEASE AGREEMENT is entered into this 29th day of a
May, 2001 by and between PIEDMONT / MAPLE, L.L.C., a Georgia limited liability
company, (hereinafter "Lessor"), and LIBERTY FITECH SYSTEMS, INC. (hereinafter
"Lessee").

                                   WITNESSETH

      WHEREAS, Lessor and Lessee entered into that certain Lease Agreement dated
January 22, 1998, subsequent 1st Amendment dated February 10, 1999, subsequent
2nd Amendment dated September 3, 1999 and Assignment of Lease dated August 31,
2000, totaling approximately 23,346 Rentable Square Feet (RSF) collectively
known as "Original Lease", Lessor leased certain premises to Lessee known as
3098 Piedmont Road, Suite 200, Atlanta, Fulton County, Georgia 30305 ("Original
Premises"); and

      WHEREAS, Lessor and Lessee desire to amend the Original Lease to provide
for the expansion of the Leased Premises and certain other matters relating
thereto as more particularly set forth herein;

      NOW, THEREFORE, for and in consideration of the mutual covenants and
conditions set forth herein, and other good and valuable consideration, the
receipt and sufficiency if which are hereby acknowledged, Lessor and Lessee
hereby agree to amend as follows:

      1.    Lessee is hereby expanding its Original Premises by leasing an
            additional approximately 130 RSF known as a portion of the third
            floor hallway, located on the 3rd Floor of the Building ("Expansion
            Premises") shown on attached Exhibit "A". Therefore the total
            "Modified Premises" (inclusive of the Original Premises and
            Expansion Premises) shall be a total of approximately 23,476 RSF.
            This Third Amendment shall commence on May 15, 2001.

      2.    The total monthly rental for the Original Premises and Expansion
            Premises shall be adjusted as follows:

<TABLE>
<CAPTION>
                         PERIOD                         TOTAL MONTHLY RENTAL
                         ------                         --------------------
<S>                      <C>                            <C>
                         5/1/01 - 7/31/01                     $33,579.33
                         8/1/01 - 7/31/02                     $34,805.00
                         8/1/02 - 7/31/03                     $36,069.57
                         8/1/03 - 7/31/04                     $37,392.51
</TABLE>

      3.    Lessee agrees to accept the Expansion Premises and Original Premises
            in an "as-is" condition. Lessor shall not be responsible for any
            improvements to the Original Premises or Expansion Premises,
            whatsoever.

      4.    Prior to commencement of any improvements, Lessee shall provide
            Lessor with construction plans of the Expansion Premises and/or
            Original Premises. It is the understanding and agreement of the
            parties that Lessee shall be responsible for providing Lessor with
            as-built floor plans for the remodeled Premises upon completion of
            all improvements.
<PAGE>
      5.    Lessor shall give Lessee a one time First Right of Refusal on Suite
            330 consisting of approximately 1,603 RSF. This one time First Right
            of Refusal shall expire on August 31, 2001. If exercised, the Lessee
            shall take possession of Suite 330 on February 1, 2002 in an "As-Is"
            condition. The rental rate for Suite 330 shall be added to Lessee's
            Original Lease rental schedule and shall be calculated at the same
            rate per RSF as the Original Lease rate per RSF and shall have the
            same rental increase dates as the Original Lease. Lessor and Lessee
            shall add suite 330 to the Original Lease by an amendment.

      6.    KRG Brokerage, LLC is exclusively representing Lessor in the
            transaction. KRG Brokerage, LLC does not represent Lessee in this
            transaction. Lessee agrees to indemnify Lessor from any outside
            broker claiming to represent Lessee in this transaction.

      7.    With the exception of the above, all other terms and conditions of
            the Original Lease remain in effect.

                             SIGNATURES ON NEXT PAGE
<PAGE>
In Witness Whereof, the parties have hereunto set their hands and affixed their
seals the day and year first above written,

                                   "LESSOR":
                                    ------

                                   PIEDMONT/MAPLE, L.L.C.
                                   a Georgia limited liability company

                                   By:  Kaufman Development Partners, L.P.,
                                        a Georgia limited partnership, as Member

                                        By:  KRG-General Partner, Inc., a
                                             Delaware corporation, its general
                                             partner
 Signed, sealed and delivered
 In the presence of:               By:  /s/ illegible
                                        --------------

  /s/ illegible                    Title:  VP
 ----------------------------              -----------
 Witness

                                   Date:  6.4.01
                                          -------

                                   "LESSEE":
                                   ------

                                   Liberty FiTech Systems, Inc.
                                   a Georgia Corporation
 Signed, sealed and delivered
 in the presence of:               By:  /s/ Michael D. Evans
                                        ---------------------

                                   Print Name:  Michael D. Evans
                                                ----------------------

  /s/ Katherine L. Palmer          Title:  President
 ----------------------------              -----------
 Witness

                                   Date:  5/25/01
                                          --------
<PAGE>
                                    EXHIBIT A

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                       FOURTH AMENDMENT TO LEASE AGREEMENT

      THIS FOURTH AMENDMENT TO LEASE AGREEMENT ("FOURTH AMENDMENT") is entered
into this 21 day of January, 2002 by and between PIEDMONT/MAPLE, L.L.C., a
Georgia limited liability company, (hereinafter "Lessor"), and LIBERTY FITECH
SYSTEMS, INC., A MINNESOTA CORPORATION (hereinafter "Lessee").

                                   WITNESSETH

      WHEREAS, Lessor and Lessee entered into that certain Lease Agreement dated
January 22, 1998, subsequent 1st Amendment dated February 10, 1999, subsequent
2nd Amendment dated September 3, 1999 subsequent Assignment of Lease dated
August 31, 2000 and Third Amendment to Lease Agreement dated the 29th day of
May, 2001 totaling approximately 23,476 Rentable Square Feet (RSF) collectively
known as "Original Lease", Lessor leased certain premises to Lessee known as
3098 Piedmont Road, Suite 200, Atlanta, Fulton County, Georgia 30305 ("Original
Premises"); and

      WHEREAS, Lessee has notified Lessor of its exercise of its First Right of
Refusal as defined in Paragraph 5 of the Third Amendment to this Lease
(permitting Lessee to lease and occupy additional space) and Lessor and Lessee
have agreed to delay the commencement of the Lesser's expansion into the
additional space and certain other matters relating thereto and as set forth
herein;

      WHEREAS, Lessor and Lessee desire to amend the Lease to provide for the
expansion of the Leased Premises and certain other matters relating thereto as
more particularly set forth herein;

      NOW, THEREFORE, for and in consideration of the mutual covenants and
conditions set forth herein, and other good and valuable consideration, the
receipt and sufficiency if which are hereby acknowledged, Lessor and Lessee
hereby agree to amend as follows:

      1.    Lessee hereby agrees to delay the commencement of its previously
            exercised one time First Right of Refusal on Suite 330, consisting
            of approximately 1,596 RSF, from February 1, 2002 to February 1,
            2003.

      2.    CONTINGENCY: The delay of commencement as described herein is
            subject to and contingent upon the execution and delivery of an
            amendment of lease by Housing Resource Center, Inc., (hereinafter
            referred to as "HRCI") extending its lease from January 31, 2002 to
            January 31, 2003.

            Upon the Lessor's delivery of the Fourth Expansion Premises (as
            defined below), Lessee will expand its Original Premises by leasing
            an additional approximate 1,596 RSF located on the 3rd Floor of the
            Building and known as Suite 330 ("Fourth Amendment Expansion
            Premises") shown on attached Exhibit "A" and thereafter the total
            "Modified Premises" (inclusive of the Original Premises and Fourth
            Amendment Expansion Premises) shall be a total of approximately
            25,079 RSF. This Amendment will become effective as an amendment to
            the Lease as of, on and after the date stated above; however, the
            Lease (as amended by this
<PAGE>
            Fourth Amendment) will apply to the Fourth Amendment Expansion
            Premises as of, on, and after the date of delivery of the Expansion
            Premises to Lessee, and shall continue in effect until otherwise
            amended by the parties in writing or until expiration or sooner
            termination of the Lease. The Fourth Amendment Expansion Premises
            will be deemed delivered to Lessee upon Lessor's delivery to Lessee
            of a written notice stating that the Expansion Premises are ready
            for Lessee's use and occupancy. The parties acknowledge that the
            Fourth Amendment Expansion Premises are currently under lease to
            HRCI and that HRCI must return the Fourth Amendment Expansion
            Premises to Lessor's possession and control prior to the Lessor's
            delivery to Lessee. Lessor will use commercially reasonable efforts
            to recover possession from HRCI so as to deliver the Fourth
            Amendment Expansion Premises to Lessee on or before 1 February 2003;
            however, in no event shall Lessee be obligated to pay rent on the
            Fourth Amendment Expansion Premises until Lessor's delivery of such
            premises.

      3.    The total monthly rental for the Original Premises and Expansion
            Premises shall be adjusted as follows commencing February 1, 2003:

<TABLE>
<CAPTION>
                         PERIOD                            TOTAL MONTHLY RENTAL
                         ------                            --------------------
<S>                      <C>                               <C>
                         02/01/03 - 07/31/03                    $38,532.49
                         08/01/03 - 7/31/04                     $39,945.76
</TABLE>

      4.    On or about the time of execution of this Fourth Amendment, Lessor
            and Lessee shall inspect the Fourth Amendment Expansion Premises to
            determine the condition thereof. Lessee agrees to accept the Fourth
            Amendment Expansion Premises in the same condition, reasonable wear
            and tear excepted, as it is in as of the date of execution of this
            Fourth Amendment (hereinafter known as the "As Is Condition").
            During the period commencing after the inspection and ending upon
            Lessor's deliver to Lessee, Lessor will not permit HRCI to make
            changes within the Expansion Premises without the written consent of
            the Lessee. In the event that upon vacating the Fourth Amendment
            Expansion Premises HRCI causes damage and fails to restore the
            Fourth Amendment Expansion Premises to the As Is Condition
            (reasonable wear and tear excepted), the Lessor will at no expense
            to Lessee reasonably restore the Fourth Amendment Expansion Premises
            to the As Is Condition (reasonable wear and tear excepted) and rent
            shall be abated on the portion of the Fourth Amendment Expansion
            Premises being restored until restoration has been completed. With
            exception of any required restoration, Lessor shall not be
            responsible for any improvements to the Original Premises or Fourth
            Amendment Expansion Premises.

      5.    Prior to commencement of any improvements, Lessee shall provide
            Lessor with construction plans of the Expansion Premises and to the
            degree affected, Original Premises (hereinafter collectively known
            as the "Improved Premises"). Within thirty (30) days of completed
            such improvements, Lessee shall be responsible for providing Lessor
            with as-built plans for the Improved Premises upon completion of all
            improvements.
<PAGE>
      6.    KRG Brokerage, LLC is exclusively representing Lessor in this
            transaction. KRG Brokerage, LLC does not represent Lessee in this
            transaction. Lessee agrees to indemnify Lessor from any outside
            broker claiming to represent Lessee in this transaction.

      7.    With the exception of the above, all other terms and conditions of
            the Lease remain in effect.

      8.    Lessor and Lessee agree that Lessee has no further First Right of
            Refusal to exercise under the Lease.

      9.    The recitals set forth above are incorporated by reference into this
            Fourth Amendment. All capitalized terms used but not defined in this
            Fourth Amendment shall have the same meaning as in the Lease.

      IN WITNESS WHEREOF, the parties have hereunto set their hands and affixed
their seals the day and year first above written.

<TABLE>
<S>                                     <C>
                                        "LESSOR":

                                        PIEDMONT/MAPLE, L.L.C.
                                        a Georgia limited liability company

                                        By:  Kaufman Development Partners, L.P.,
                                             a Georgia limited partnership, as Member

                                             By:  KRG-General Partner, Inc.,
                                                  a Delaware corporation,
                                                  its general partner
Signed, sealed and delivered
In the presence of:                     By:  /s/ illegible
                                             --------------

                                        Title:  VP
----------------------------                    -----------
Witness

                                        Date:  1-30-02
                                               ------------
</TABLE>
<PAGE>
<TABLE>
<S>                                     <C>
                                       "LESSEE":

                                       Liberty FiTech Systems, Inc., a Minnesota
                                           corporation
Signed, sealed and delivered
in the presence of:                    By: /s/ Michael D. Evans
                                          ---------------------
                                       Print Name: Michael D. Evans

 /s/ Katherine L. Palmer               Title: President
----------------------------                 ----------
Witness

                                       Date: 1/21/02
                                            --------
</TABLE>
<PAGE>
                                   EXHIBIT "A"

                                   Page 2 of 2

                 [Diagram of third floor of 3098 Piedmont Road]
<PAGE>
                  ASSIGNMENT AND ASSUMPTION OF LEASE AGREEMENT

      THIS ASSIGNMENT AND ASSUMPTION OF LEASE AGREEMENT (this "AGREEMENT") is
made as of this 30th day of June, 2003, by and between LIBERTY FITECH SYSTEMS,
INC., a Minnesota corporation ("ASSIGNOR"), OPEN SOLUTIONS FITECH, INC., a
Delaware corporation ("Assignee") and PIEDMONT/MAPLE, L.L.C. ("LANDLORD").

                                RECITALS OF FACT

      A. Assignor is the present "Tenant" under that certain Lease Agreement
dated January 22, 1998 between Assignor (as successor to FiTech Systems, Inc.)
and Piedmont/Maple, L.L.C., as amended by First Amendment to Lease Agreement
dated February 10, 1999, by Second Amendment to Lease Agreement dated September
3, 1999, by Third Amendment to Lease Agreement dated May 29, 2001, and by Fourth
Amendment of Lease dated January 21, 2002 (the "LEASE").

      B. The Lease affects that certain approximately 25,079 rentable square
feet of space commonly known as Suite 200, 3098 Piedmont Road, Atlanta, Georgia
(the "PREMISES"), which Premises comprise a portion of the real property
described therein (the "PROPERTY").

      C. Assignor desires to assign to Assignee and Assignee desires to accept
from Assignor the assignment of the leasehold interest and all other rights
created under the Lease, effective as of the date of this Agreement (hereinafter
the "CLOSING DATE"), subject to the terms and conditions set forth herein.

      D. Landlord wishes to consent to the assignment of the Lease from Assignor
to Assignee on the terms and conditions of this Agreement.

      E. The parties have agreed to execute this Assignment and Assumption of
Lease Agreement in connection with the transfer of certain assets of Assignor to
Assignee as more fully described in the Asset Purchase Agreement dated June 30,
2003, by and between Assignor and Assignee (the "PURCHASE AGREEMENT").

                                    AGREEMENT

      IN CONSIDERATION of the premises and covenants set forth in the Purchase
Agreement, and for other good and valuable consideration, the receipt and
sufficiency of which is acknowledged by all parties, the parties hereby agree as
follows:

      1. Assignment. Effective as of the Closing Date, Assignor hereby assigns,
transfers, sets over and conveys to Assignee, its successor and assigns, all of
Assignor's right, title and interest in and to (a) the Lease; (b) the Premises,
(c) all security deposits and prepaid rentals with respect to the Lease (d) any
other portion of the Property in which Assignor has any right or interest under
the Lease or any associated or collateral agreements; and (e) all incidental and
appurtenant rights which Assignor may have or possess in connection with the
Lease, the Premises or the Property. Assignor represents that Assignor has
delivered true, correct and complete copies of the Lease to Assignee.
<PAGE>
      2. Assumption. Effective as of the Closing Date, Assignee hereby assumes
each and every obligation of "Tenant" arising and to be performed after the
Closing Date under the Lease.

      3. Representations and Warranties. The covenants, representations,
warranties and indemnities of Assignor and Assignee in the Purchase Agreement
shall not be limited by anything contained in this Agreement, and in the event
of any conflict between the provision of this Agreement and the representations
and warranties of Assignor and/or Assignee in the Purchase Agreement, the
representations and warranties of the Assignor and/or Assignee in the Purchase
Agreement shall prevail. Assignor acknowledges that he shall remain liable under
the Lease for all the obligations of tenant to be performed,

      4. Estoppel and Release. Assignor and Assignee acknowledge and agree that
(a) Landlord is not in default under any of the terms of the Lease; (b) all
obligations and conditions under the Lease to be performed to date by Landlord
have been satisfied; (c) no event has occurred which, with the passage of time
or the giving of notice or both, would constitute an event of default by
Landlord under the Lease; and (d) Assignor has no current defenses or claims
against Landlord or rights of offset against any rents payable to Landlord under
the Lease or otherwise. Assignee and Assignor, in consideration of the execution
of this Agreement by Landlord, hereby release and discharge Landlord, its
employees, its agents, and its successors and assigns from any and all claims,
suits, actions or causes of action in law or in equity arising directly or
indirectly out of or pursuant to the Lease or Tenant's use and occupancy of the
Premises arising prior to the Closing Date.

      5. Acceptance of Premises. Assignee accepts the Premises (including all
systems serving the Premises such as HVAC, electrical and plumbing) in "AS-IS"
condition with all faults and agrees that Assignor, and not Landlord, is
responsible for the current condition thereof. Landlord and Assignee acknowledge
and agree that Assignee shall immediately occupy the Premises as provided
herein. Assignee shall solely be responsible for any alterations to the Premises
(to include repairs, alterations, upgrades or the like to the systems serving
the Premises) that Assignee deems necessary for the conduct of its business
therein and, subject to Landlord's prior approval thereof, Assignee shall
perform all Work in the Premises in accordance with the Lease and any
governmental laws, rules, regulations or ordinances, including, but not limited
to, the Americans with Disabilities Act. Assignor and Assignee agree that all
fixtures (expressly including but not limited to lighting, HVAC and plumbing),
other than trade fixtures, are the property of Landlord and shall remain in the
Premises upon the expiration or sooner termination of the Lease. Assignor and
Assignee warrant that as of the date hereof, Assignee owns all equipment, trade
fixtures and leasehold improvements on the Premises, free and clear of any
liens, claims or other encumbrances.

      6. Further Action. Assignor hereby covenants that Assignor will, at any
time and from time to time, upon written request therefor, execute and deliver
to Assignee or Assignee's successors and assigns, any new or confirmatory
instruments which Assignee or Assignee's successors and assigns may reasonably
request in order to fully assign and transfer to and vest in Assignee or
Assignee's successors and assigns and to protect Assignee or Assignee's
successors' and assigns' right, title and interest in and to each of the Leases
assigned hereby.
<PAGE>
      7. Landlord's Consent. Landlord hereby consents to the terms of this
Agreement without waiver of the restriction concerning further assignment.

      8. Guarantors. In consideration of the Landlord's entry into this
Agreement, Liberty Enterprises, Inc., a Minnesota corporation, and Open
Solutions, Inc. (jointly and severally "Guarantors") shall each guaranty payment
and performance under the terms of the Lease by executing a guaranty
contemporaneously with this Agreement in the form attached hereto as Exhibit A.
Each Guarantors hereby acknowledges and consents to all of the terms, conditions
and obligations of Tenant with respect to the Lease and this Agreement.

      9. Miscellaneous. This Agreement shall be governed by the laws of the
state in which the property is located. This Agreement may not be amended except
by a document signed by all parties hereto.

      10. Counterparts. This Agreement may be executed in any number of
counterparts, each of which when so executed and delivered shall be deemed an
original and all of which when taken together shall constitute but one and the
same instrument.
<PAGE>
      IN WITNESS WHEREOF, the parties have executed this Agreement an of the day
and year first above written.

<TABLE>
<S>                              <C>
ASSIGNOR:                        LIBERTY FITECH SYSTEMS, INC.

                                 By:  /s/ Stanley C. Hollen
                                      -------------------------------------
                                      Name:  Stanley C. Hollen
                                      Title: CEO

ASSIGNEE:                        OPEN SOLUTIONS FITECH, INC.

                                 By:  /s/ Carl D. Blandino
                                      -------------------------------------
                                      Name:  Carl D. Blandino
                                      Title:  VP + CFO

LANDLORD:                        PIEDMONT/MAPLE, L.L.C.,
                                 a Georgia limited liability company

                                 By:   Kaufman Development Partners, L.P.,
                                       a Georgia limited partnership, as Member

                                       By:  KRG-General Partner, Inc.,
                                            a Delaware corporation,
                                            its general partner

                                 By: /s/ Craig Kaufman
                                      -------------------------------------
                                      Name:  Craig Kaufman
                                      Title:  President

GUARANTOR:                       LIBERTY ENTERPRISES, INC.,
                                 a Minnesota corporation

                                 By:  /s/ Stanley C. Hollen
                                      -------------------------------------
                                      Name:  Stanley C. Hollen
                                      Title: CEO

GUARANTOR:                       OPEN SOLUTIONS INC., a Delaware corporation

                                 By:  /s/ Carl D. Blandino
                                      -------------------------------------
                                      Name:  Carl D. Blandino
                                      Title:  VP + CFO
</TABLE>

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