Document:

AGREEMENT

                  CONCERNING THE EXCHANGE OF STOCK

                              BETWEEN

              CANTERBURY INFORMATION TECHNOLOGY, INC.

                ("CANTERBURY", "CITI",  OR "BUYER")

                                AND

                          SHAREHOLDERS OF

                   DATAMOSAIC INTERNATIONAL, INC.

                         ("DMI" OR "SELLERS")

<PAGE>
                         TABLE OF CONTENTS

1    DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . .    1
2    EXCHANGE OF SECURITIES. . . . . . . . . . . . . . . . . .    4
     (a)  Exchange of Shares.. . . . . . . . . . . . . . . . .    4
     (b)  Exemption from Registration. . . . . . . . . . . . .    4
     (c)  Non-Taxable Transaction. . . . . . . . . . . . . . .    4
     (d)  Costs. . . . . . . . . . . . . . . . . . . . . . . .    4
     (e)  Additional Documentation.. . . . . . . . . . . . . .    5
     (f)  The Closing. . . . . . . . . . . . . . . . . . . . .    5
     (g)  Deliveries at the Closing. . . . . . . . . . . . . .    5
     (h)       Post-Closing Obligations .. . . . . . . . . . .    5
3    REPRESENTATIONS AND WARRANTIES REGARDING THE SELLERS. . .    5
     (a)  Organization.. . . . . . . . . . . . . . . . . . . .    5
     (b)  Authorization of Transaction.. . . . . . . . . . . .    5
     (c)   Noncontravention. . . . . . . . . . . . . . . . . .    5
     (d)       Title to Assets.. . . . . . . . . . . . . . . .    6
     (e)  Subsidiaries.. . . . . . . . . . . . . . . . . . . .    6
     (f)  Financial Statements.. . . . . . . . . . . . . . . .    6
     (g)  Events Subsequent to Most Recent Fiscal Year End.. .    6
     (h)  Undisclosed Liabilities. . . . . . . . . . . . . . .    8
     (i)  Legal Compliance.. . . . . . . . . . . . . . . . . .    8
     (j)  Tax  and Other Returns and Reports . . . . . . . . .    8
     (k)  Intellectual Property. . . . . . . . . . . . . . . .    8
     (l)  Tangible Assets. . . . . . . . . . . . . . . . . . .    9
     (m)  Contracts  . . . . . . . . . . . . . . . . . . . . .    9
     (n)  Federal Tax Contingency Reserve. . . . . . . . . . . . 10
     (o)  Powers of Attorney.. . . . . . . . . . . . . . . . . . 11
     (p)  Insurance. . . . . . . . . . . . . . . . . . . . . . . 11
     (q)  Litigation.. . . . . . . . . . . . . . . . . . . . . . 11
     (r)  Employees. . . . . . . . . . . . . . . . . . . . . . . 11
     (s)  Employee Benefits.   . . . . . . . . . . . . . . . . . 11
     (t)  Guaranties.. . . . . . . . . . . . . . . . . . . . . . 11
     (u)  Environment, Health, and Safety. . . . . . . . . . . . 11
     (v)  Certain Business Relationships With DMI. . . . . . . . 12
     (w)  Disclosure.. . . . . . . . . . . . . . . . . . . . .   12
     (x)  Intentionally Omitted .. . . . . . . . . . . . . . . . 12
     (y)  Assets Free and Clear. . . . . . . . . . . . . . . . . 12
     (z)  Accounts Receivable Collectability Guaranty. . . . .   12
4    REPRESENTATIONS AND WARRANTIES OF THE BUYER . . . . . . . . 12
     (a)  Organization of the Buyer. . . . . . . . . . . . . . . 12
     (b)  Authorization of Transaction.. . . . . . . . . . . . . 12
     (c)  Noncontravention.. . . . . . . . . . . . . . . . . . . 13
     (d)       Securities Filings. . . . . . . . . . . . . . . . 13
     (e)       Disclosure. . . . . . . . . . . . . . . . . . . . 13
5.   PRE-CLOSING COVENANTS . . . . . . . . . . . . . . . . . . . 13
     (a)  General. . . . . . . . . . . . . . . . . . . . . . . . 13
     (b)  Notices and Consents.. . . . . . . . . . . . . . . . . 13
     (c)  Operation of Business. . . . . . . . . . . . . . . . . 13
     (d)  Preservation of Business.. . . . . . . . . . . . . . . 14
     (e)  Full Access. . . . . . . . . . . . . . . . . . . . . . 14
     (f)  Notice of Developments.. . . . . . . . . . . . . . . . 14
     (g)  Exclusivity. . . . . . . . . . . . . . . . . . . . . . 14
     (h)       Termination of IRS Subchapter "S" Election. . . . 14
6.   CONDITIONS TO OBLIGATION TO CLOSE.. . . . . . . . . . . . . 14
     (a)  Conditions to Obligation of the Buyer. . . . . . . . . 14
     (b)  Conditions to Obligation of the Sellers. . . . . . . . 15
7.   TERMINATION.. . . . . . . . . . . . . . . . . . . . . . . . 16
     (a)  Termination of Agreement.. . . . . . . . . . . . . . . 16
8.   INDEMNIFICATION . . . . . . . . . . . . . . . . . . . . . . 16
     (a)  Survival of Representations and Warranties . . . . . . 16
     (b)        Indemnification Provisions for Benefit of the Buyer 16
     (c)  Matters Involving Third Parties. . . . . . . . . . . . 17
     (d)        Indemnification Provisions for Benefit of the Sellers 18
     (e)        Limitations and Conditions on Indemnification. . 18
9.   MISCELLANEOUS . . . . . . . . . . . . . . . . . . . . . . . 18
     (a)  Registration of Stock of Canterbury. . . . . . . . . . 19
     (b)       Litigation Support. . . . . . . . . . . . . . . . 20
     (c)  Restrictive Covenants. . . . . . . . . . . . . . . . . 21
     (d)  No Third-Party Beneficiaries . . . . . . . . . . . . . 21
     (e)  Entire Agreement . . . . . . . . . . . . . . . . . . . 21
     (f)  Succession and Assignment. . . . . . . . . . . . . . . 21
     (g)  Counterparts . . . . . . . . . . . . . . . . . . . . . 21
     (h)       Headings.   . . . . . . . . . . . . . . . . . .   21
     (i)  Notices... . . . . . . . . . . . . . . . . . . . . . . 21
     (j)  Governing Law. . . . . . . . . . . . . . . . . . . . . 22
     (k)  Amendments and Waivers.. . . . . . . . . . . . . . . . 22
     (l)  Severability.. . . . . . . . . . . . . . . . . . . . . 22
     (m)  Expenses.. . . . . . . . . . . . . . . . . . . . . . . 22
     (n)  Brokers'/Finders' Fees.. . . . . . . . . . . . . . . . 22
     (o)  Construction.. . . . . . . . . . . . . . . . . . . . . 23
     (p)  Incorporation of Exhibits and Schedules. . . . . . . . 23
     (q)  Specific Performance.. . . . . . . . . . . . . . . . . 23
     (r)      Arbitration. . . . . . . . . . . . . . . . . .     23
EXHIBIT 1 - Allocation of DMI's Shareholders
EXHIBIT 2 - Investment Letter
EXHIBIT 3(a) - Employment Agreement of D. Kent Jordan
EXHIBIT 3(b) - Employment Agreement of Mark Vallario
EXHIBIT 4(a) - Financial Statements - 1998 and 1999 Balance Sheets and Income
Statements
EXHIBIT 4(b) - Financial Statements - Unaudited Balance Sheet and Income
Statements for the
             Six Months Ended June 30, 2000
EXHIBIT 4(c) - Financial Statements - Unaudited Balance Sheet and Income
Statements for the
             One Month Ended July 31, 2000
EXHIBIT 5(a) - Disclosure Schedule - Section 3 - Litigation
EXHIBIT 5(b) - Disclosure Schedule - Section 3 - Guarantor Obligations
EXHIBIT 6 - Disclosure Schedule - Section 4

<PAGE>
                             AGREEMENT

     THIS AGREEMENT made this 1st day of August, 2000 by and between
CANTERBURY
INFORMATION TECHNOLOGY, INC., a Pennsylvania Corporation ("CITI"); and one
hundred (100%) percent of the Shareholders ("Shareholders") of DATAMOSAIC
INTERNATIONAL, INC., a Georgia Corporation ("DMI" OR "SELLERS"), as set forth
on the Signature Page of this Agreement.

     WHEREAS, CITI, a public Company, desires to acquire all of the issued and
outstanding common stock of DMI from the Shareholders of DMI in a tax free
reorganization; and

     WHEREAS, Shareholders desire to exchange all of their stock in DMI for
certain shares of restricted common stock of CITI: and

     WHEREAS, the respective Boards of Directors of the Companies have
authorized their proper corporate officers to effect the transactions
contemplated herein; and

     WHEREAS, each of the parties desires to assist the other in effecting the
transaction pursuant to the terms of this Agreement.

     NOW THEREFORE, in consideration of the mutual covenants herein contained
and other good and valuable consideration, the receipt and sufficiency of
which
is hereby acknowledged, the parties hereto have agreed as follows:

1.          DEFINITIONS

     "Accredited Investor" has the meaning set forth in Regulation D
promulgated under the Securities Act.

     "Affiliate" has the meaning set forth in Rule 12b-2 of the regulations
promulgated under the Securities Exchange Act.

     "Affiliated Group" means any affiliated group within the meaning of Code
Sec. 1504(a) [or any similar group defined under a similar provision of state,
local, or foreign law].

     "Basis" means any past or present fact, situation, circumstance, status,
condition, activity, practice, plan, occurrence, event, incident, action,
failure to act, or transaction that forms or could, with reasonable
probability, form the basis for any specified consequence.

     "Buyer"  means Canterbury Information Technology, Inc.

     "Cash" means cash and cash equivalents (including marketable securities
and short term investments) calculated in accordance with GAAP applied on a
basis consistent with the preparation of the Financial Statements.

     "Canterbury" means Canterbury Information Technology, Inc.

     "Closing" has the meaning set forth in Section 2(f) below.

     "Closing Date " has the meaning set forth in Section 2(f) below.

     "Code" means the Internal Revenue Code of 1986, as amended.

     "Corporate Assets" means all right, title, and interest in and to all of
the assets of DMI, including the name "Datamosaic International, Inc." and all
of DMI's (a) real property, leaseholds and subleaseholds therein,
improvements,
fixtures, and fittings thereon( to the extent of DMI's interest therein), (b)
tangible personal property (such as machinery, equipment, inventories of
supplies, manufactured and purchased parts, work in process and finished work,
furniture, automobiles and trucks,), (c) Intellectual Property, goodwill
associated therewith, licenses and sublicenses granted and obtained with
respect thereto, and rights thereunder, remedies against infringements
thereof,
and rights to protection of interests therein under the laws of all
jurisdictions, (d) leases, subleases, and rights thereunder, (e) agreements,
contracts, indentures, mortgages, instruments, Security Interests, guaranties,
other similar arrangements, and rights thereunder, (f) claims, deposits,
prepayments, refunds, causes of action, choses in action, rights of recovery,
rights of set off, and rights of recoupment (including any such item relating
to the payment of Taxes), (g) franchises, approvals, permits, licenses,
orders,
registrations, certificates, variances, and similar rights obtained from
governments and governmental agencies, (h) books, records, ledgers, files,
documents, correspondence, lists, plats, architectural plans, drawings, and
specifications, creative materials, advertising and promotional materials,
studies, reports, and other printed or written materials, curricula, either
finished, in process, or planned, and (i) rights in and with respect to the
assets associated with its Employee Health and Disability Plans.  The
enumeration of asset categories set forth herein shall not imply that Sellers
necessarily owns each such type of asset.

     "Disclosure Schedule" has the meaning set forth in Section 3 below.

     "Employee Benefit Plan "means any (a) nonqualified deferred compensation
or retirement plan or arrangement which is an Employee Pension Benefit Plan,
(b) qualified defined contribution retirement plan or arrangement which is an
Employee Pension Benefit Plan, (c) qualified defined benefit retirement plan
or
arrangement which is an Employee Pension Benefit Plan (including any
Multiemployer Plan), or (d) Employee Welfare Benefit Plan or material fringe
benefit plan or program.

     "Employee Pension Benefit Plan "has the meaning set forth in ERISA Sec.
     3(2).

     "Employee Welfare Benefit Plan "has the meaning set forth in ERISA Sec.
     3(l).

     "Environmental, Health, and Safety Laws" means the Comprehensive
Environmental Response, Compensation and Liability Act of 1980, the Resource
Conservation and Recovery Act of 1976, and the Occupational Safety and Health
Act of 1970, each as amended, together with all other laws (including rules,
regulations, codes, plans, injunctions, judgments, orders, decrees, rulings,
and charges thereunder) of federal, state, local, and foreign governments (and
all agencies thereof) concerning pollution or protection of the environment,
public health and safety, or employee health and safety, including laws
relating to emissions, discharges, releases, or threatened releases of
pollutants, contaminants, or chemical, industrial, hazardous, or toxic
materials or wastes into ambient air, surface water, ground water, or lands or
otherwise relating to the manufacture, processing, distribution, use,
treatment, storage, disposal, transport, or handling of pollutants,
contaminants, or chemical, industrial, hazardous, or toxic materials or
wastes.

     "ERISA" means the Employee Retirement Income Security Act of 1974, as
     amended.

     "Extremely Hazardous Substance" has the meaning set forth in Sec. 302 of
the Emergency Planning and Community Right-to-Know Act of 1986, as amended.

     "Fiduciary" has the meaning set forth in ERISA Sec. 3(21).

     "Financial Statement" has the meaning set forth in Section 3(f) and (g)
     below.

     "GAAP" means United States generally accepted accounting principles as in
effect from time to time.

     "Intellectual Property" means (a) all inventions (whether patentable or
unpatentable and whether or not reduced to practice), all improvements
thereto,
and all patents, patent applications, and patent disclosures, together with
all
reissuances, continuations, continuations-in-part, revisions, extensions, and
reexaminations thereof, (b) all trademarks, service marks, trade dress, logos,
trade names, and corporate names, together with all translations, adaptations,
derivations, and combinations thereof and including all goodwill associated
therewith, and all applications, registrations, and renewals in connection
therewith, (c) all copyrightable works, all copyrights, and all applications,
registrations, and renewals in connection therewith, (d) all trade secrets and
confidential business information (including ideas, research and development,
know-how, formulas, compositions, manufacturing and production processes and
techniques, technical data, designs, drawings, specifications, customer and
supplier lists, pricing and cost information, and business and marketing plans
and proposals), (e) all computer software (including data and related
documentation), (f) all other proprietary rights, and (g) all copies and
tangible embodiments thereof (in whatever form or medium), (h) teaching or
instructor notes, teaching plans, or other syllabus.

     "Knowledge" means actual knowledge after reasonable inquiry.

     "Liability" means any liability (whether known or unknown, whether
asserted or unasserted, whether absolute or contingent, whether accrued or
unaccrued, whether liquidated or unliquidated, and whether due or to become
due), including any liability for Taxes.

     "Most Recent Balance Sheet" means the balance sheet of July 31, 2000.

     "Most Recent Financial Statements" has the meaning set forth in Section
3(f) and (g) below.

     "Most Recent Fiscal Month End" has the meaning set forth in Section3(f)
and (g) below.

     "Most Recent Fiscal Year End" has the meaning set forth in Section 3(f)
     and (g) below.

     "Multiemployer Plan" has the meaning set forth in ERISA Sec. 3(37).

     "Ordinary Course of Business" means the ordinary course of business
consistent with past custom and practice (including with respect to quantity
and frequency).

     "Party" has the meaning set forth in the preface above.

     "Person" means an individual, a partnership, a corporation, an
association, a joint stock company, a trust, a joint venture, an
unincorporated
organization, or a governmental entity (or any department, agency, or
political
subdivision thereof.

     "Securities Act" means the Securities Act of 1933, as amended.

     "Securities Exchange Act" means the Securities Exchange Act of 1934, as
     amended.

     "Security Interest" means any mortgage, pledge, lien, encumbrance,
charge, or other security interest, other than (a) mechanic's, materialmen's,
and similar liens, (b) liens for Taxes not yet due and payable or for Taxes
that the taxpayer is contesting in good faith through appropriate proceedings,
(c) purchase money liens and liens securing rental payments under capital
lease
arrangements, and (d) other liens arising in the Ordinary Course of Business
and not incurred in connection with the borrowing of money.

     "Subsidiary" means any corporation with respect to which a specified
Person (or a Subsidiary thereof) owns a majority of the common stock or has
the
power to vote or direct the voting of sufficient securities to elect a
majority
of the directors.

       "Sellers"  means the Shareholders of Datamosaic International, Inc.
("DMI") as listed on the Signature Page of this Agreement

     "Stock of  Canterbury" means restricted common stock of Canterbury
Information Technology, Inc.

     "Tax" means any federal, state, local, or foreign income, gross receipts,
license, payroll, employment, excise, severance, stamp, occupation, premium,
windfall profits, environmental (including taxes under Code Sec. 59A), customs
duties, capital stock, franchise, profits, withholding, social security (or
similar), unemployment, disability, real property, personal property, sales,
use, transfer, registration, value added, alternative or add-on minimum,
estimated, or other tax of any kind whatsoever, including any interest,
penalty, or addition thereto, whether disputed or not.

     "Tax Return" means any return, declaration, report, claim for refund, or
information return or statement relating to Taxes, including any schedule or
attachment thereto, and including any amendment thereof.

2.         EXCHANGE OF SECURITIES

     (a)        Exchange of Shares.  Subject to all the terms and conditions
of this Agreement, CITI agrees to exchange, at Closing, two hundred twenty one
thousand four hundred twenty (221,420) shares of previously authorized, but
unissued unregistered CITI common stock, $.001 par value, ("CITI Shares") in
exchange for all of the issued and outstanding shares of DMI in accordance
with
Exhibit 1 which shall set forth the allocation among the shareholders..

     (b)        Exemption from Registration.  The parties hereto intend that
the CITI Shares to be exchanged shall be unregistered and the issuance thereof
is thus exempt from the registration requirements of the Securities Act of
1933, as amended (the "Act"), pursuant to Section 4(2) of the Act and the
rules
and regulations promulgated thereunder and exempt from the registration
requirements of the applicable states.  In furtherance thereof, Shareholders
will execute and deliver to CITI at the Closing an investment letter suitable
to CITI counsel, in form substantially as per Exhibit 2 attached hereto.

     (c)        Non-Taxable Transaction.  The parties intend to effect this
transaction as a non-taxable reorganization pursuant to Section 368(a)(1)(B)
of
the Internal Revenue Code of 1986, as amended.  CITI shall be the surviving or
parent corporation after the reorganization and DMI a wholly owned subsidiary
of CITI.

     (d)        Costs.  Each party shall bear its own costs associated with
this Agreement, the Closing, and all ancillary or related measures, including
without limitation, costs of attorneys fees, accountants fees, or other costs
or expenses, without right or recourse from the other.

     (e)        Additional Documentation.  The parties acknowledge that
further agreements and documents both prior to and subsequent to Closing, in
addition to the Exhibits appended hereto, may be required in order to effect
the transactions contemplated hereunder. Each party agrees to provide and
execute such other and further agreements or documentation as, in the opinions
of respective counsel, are reasonably necessary to effect the transactions
contemplated hereunder and to maintain regulatory and legal compliance.

     (f)        The Closing.  The closing of the transactions contemplated by
this Agreement (the "Closing") shall take place at the offices of Levy & Levy,
P.A., Plaza 1000, Suite 309, Main Street, Voorhees, New Jersey, 08043,
commencing at 9:00 a.m, local time on the business day or at any other
mutually
agreed upon location or by Federal Express, following the satisfaction or
waiver of all conditions to the obligations of the Parties to consummate the
transactions contemplated hereby (other than conditions with respect to
actions
the respective Parties will take, at the closing itself) or such other date as
the Parties may mutually determine (the "Closing Date"); provided, however,
that the Closing Date shall be no later than August 31, 2000.

     (g)        Deliveries at the Closing.  At the Closing, (i) the Sellers
will deliver to the Buyer their stock certificates properly endorsed and the
various certificates, instruments, and documents referred to in this
Agreement;
(ii) the Buyer will deliver to the Sellers the instructions for Canterbury's
transfer agent to issue the agreed upon CITI shares to Sellers; (iii)
Employment Contracts between DMI and D. Kent Jordan and Mark Vallario in form
and content mutually acceptable to them and to CITI as set forth in Exhibits
3(a) and 3(b), to be executed simultaneously with this Agreement at Closing.

     (h)       Post-Closing Obligations.  For a period of three years after
the Closing, the Buyer shall afford each Seller and such Seller's
representatives reasonable access to all the books and records relating to the
Corporate Assets and the business of DMI for matters related to (i) the
preparation of such Seller's tax returns, a tax investigation or audit of such
Seller, (ii) any other reasonable need of such Seller relating to DMI's
operation of its business prior to the Closing, or (iii) any claim asserted
against such Seller.  Such access shall be afforded by the Buyer upon the
receipt of reasonable advance notice and during normal business hours and
shall
be had or done in such a manner so as not to interfere with the normal conduct
of business of the Buyer.

3.   REPRESENTATIONS AND WARRANTIES REGARDING THE SELLERS

     Shareholders of DMI represent  and warrant to the Buyer that the
statements contained in this Section 3 are correct and complete as of the date
of this Agreement except as set forth in the disclosure schedule accompanying
this Agreement and initialed by the Parties (the "Disclosure Schedule").  The
Disclosure Schedule will be arranged in paragraphs corresponding to the
lettered and numbered paragraphs contained in this Section 3.

     (a)        Organization.  DMI is a  corporation duly organized, validly
existing, and in good standing under the laws of the jurisdiction of its
incorporation.

     (b)        Authorization of Transaction.  The Shareholders and DMI have
full corporate power and authority, to execute and deliver this Agreement and
to perform its obligations hereunder.  Without limiting the generality of the
foregoing, the board of directors of  DMI has duly authorized the execution,
delivery, and performance of this Agreement by DMI.  This Agreement
constitutes
the valid and legally binding obligation of DMI enforceable in accordance with
its terms and conditions.

     (c)        Noncontravention.  Neither the execution and the delivery of
this Agreement, nor the consummation of the transactions contemplated hereby,
will (i) violate in any material respect any constitution, statute,
regulation,
rule, injunction, judgment, order, decree, ruling, charge, or other
restriction
of any government, governmental agency, or court to which the Sellers or DMI
are subject, (ii) violate any provision of the charter or bylaws of DMI or
(iii) conflict with, result in a material breach of, constitute a material
default under, result in the acceleration of, create in any party the right to
accelerate, terminate, modify, or cancel, or require any notice under any
material agreement, contract, lease, license, instrument, or other arrangement
to which DMI is a party or by which it is bound or to which any of the
Corporate Assets are subject (or result in the imposition of any Security
Interest upon any of the Corporate Assets).  DMI does not need to give any
notice to, make any filing with, or obtain any authorization, consent, or
approval of any government or governmental agency in order for the Parties to
consummate the transactions contemplated by this Agreement.

     (d)        Title to Assets.  DMI has good and marketable title to, or a
valid leasehold interest in, the assets used by it, located on its premises,
or
shown on the Most Recent Balance Sheet or acquired after the date thereof,
free
and clear of all Security Interests, except for assets disposed of in the
Ordinary Course of Business since the date of the Most Recent Balance Sheet
and
except for liens disclosed in the Notes to the Financial Statements.  Without
limiting the generality of the foregoing, DMI has good and marketable title to
all of the Corporate Assets, free and clear of any Security Interest or
restriction on transfer, except for liens and leasehold interests disclosed in
the Notes to the Financial Statements and in the Disclosure Schedule.

     (e)        Subsidiaries.  DMI does not have any Subsidiaries.

     (f)        Financial Statements.  Attached hereto as Exhibit 4 are the
following financial statements (collectively the "Financial Statements"): (i)
balance sheets, statements of income, retained earnings, and cash flows as of
and for the last two fiscal years ended December 31, 1999 and December 31,
1998
and as adjusted for non-recurring expenses (the "Most Recent Fiscal Year End")
for DMI; and (ii) unaudited balance sheet, statements of income, retained
earnings, and cash flows (the "Most Recent Financial Statements" ) as of and
for the six months ended June 30, 2000 and for the one month ending July 31,
2000 (the "Most Recent Fiscal Month End " ) for DMI.  The Financial Statements
(including the Notes thereto where applicable) have been prepared in
accordance
with GAAP applied on a consistent basis throughout the periods covered
thereby,
present fairly the financial condition of DMI as of such dates and the results
of operations of DMI for such periods, and are consistent with the books and
records of  DMI.  The financial statements referenced in clause (ii) will be
internally prepared by DMI and such financial statement information as of June
30, 2000 and July 31, 2000 is to the best of DMI's knowledge, true and
correct.
DMI hereby represents that DMI's financial statements are able to be audited
for the time periods required under SEC and GAAP rules and guidelines within 3
months from closing.

     (g)        Events Subsequent to Most Recent Fiscal Year End.  Since the
Most Recent Fiscal Year End, there has not been any material adverse change in
the business, financial condition, operations, or results of operations of DMI
or on behalf of DMI.  Without limiting the generality of the foregoing, since
that date.

       (i)DMI has not sold, leased, transferred, or assigned any of DMI's
assets, tangible or intangible, of a value in excess of $1,000, other than for
a fair consideration and in the Ordinary Course of Business;

       (ii)DMI has not entered into any agreement, contract, lease, or
license (or series of related agreements, contracts, leases and licenses)
outside the Ordinary Course of Business;

       (iii)  No party (including DMI) has accelerated, terminated, modified,
or canceled any material agreement, contract, lease or license (or series of
related agreements, contracts, leases and licenses) to which the DMI is a
party
or by which it is bound;

       (iv)  DMI has not permitted any Security Interest upon any of DMI's
material assets, tangible or intangible;

       (v)DMI has not made any capital expenditure (or series of related
capital expenditures) outside the Ordinary Course of Business;

       (vi)  DMI has not made any capital investment in, any loan to, or any
acquisition of the securities or assets of, any other Person (or series of
related capital investments, loans, and acquisitions) ;

       (vii)  DMI has not issued any note, bond, or other debt security or
created, incurred, assumed, or guaranteed any indebtedness for borrowed money
or capitalized lease obligation;

       (viii)  DMI has not delayed or postponed the payment of accounts
payable and other Liabilities or DMI, other than as consistent with its
Ordinary Course of Business.

       (ix)  The Sellers have not canceled, compromised, waived, or released
any right or claim (or series of related rights and claims in excess of
$2,000), outside the Ordinary Course of Business.

       (x)The Sellers have not granted any license or sublicense of any
rights under or with respect to any Intellectual Property;

       (xi)  DMI represents that there has been no change made or authorized
in the charter or bylaws of DMI;

       (xii)  DMI has not issued, sold, or otherwise disposed of any of its
capital stock, or granted any options, warrants, or other rights to purchase
or
obtain (including upon conversion, exchange, or exercise) any of DMI's capital
stock other than the equity securities issued to Messrs. Fischer and Hendrick;

       (xiii)  DMI has not declared, set aside, or paid any dividend or made
any distribution with respect to DMI's capital stock (whether in cash or in
kind) or redeemed, purchased, or otherwise acquired any of its capital stock;

       (xiv)  DMI has not experienced any material damage, destruction, or
loss (whether or not covered by insurance) to its property;

       (xv)  DMI has not made any loan to, or entered into any other
transaction with, any of its directors, officers, and employees outside the
Ordinary Course of Business;

       (xvi)  DMI has not entered into any employment contract or collective
bargaining agreement, written or oral, or modified the terms of any existing
such contract or agreement outside the Ordinary Course of Business;

       (xvii) Other than Ron Dilmore and David Hendrick, DMI has not granted
any increase in the base compensation of any of its directors, officers, and
employees outside the Ordinary Course of Business;

       (xviii) Intentionally Omitted.

       (xix)  DMI has not made any other change in employment terms for any
of DMI's directors, officers, and employees outside the Ordinary Course of
Business;

       (xx)  DMI has not made or pledged to make any charitable or other
capital contribution.

       (xxi)  DMI has not paid any amount to any third party with respect to
any Liability or obligation (including any costs and expenses DMI has incurred
or may incur in connection with this Agreement and the transactions
contemplated hereby) which would not constitute an Assumed Liability if in
existence as of the Closing, other than accounting fees equal in amount to the
usual accounting costs which would have been incurred by DMI in the Ordinary
Course of Business.

       (xxii)  to the knowledge of DMI there has not been any other material
occurrence, event, incident, action, failure to act, or transaction involving
DMI which will have a material adverse effect upon the business of the
Sellers;
and

     (h)        Undisclosed Liabilities.   DMI does not have any undisclosed
liabilities affecting their assets being sold herewith.  There is no basis for
any present or future action, suit, proceeding, hearing, investigation,
charge,
complaint, claim, or demand against any of  the assets to be acquired giving
rise to any liability.

     (i)        Legal Compliance.  DMI has complied in all material respects
with all applicable laws (including rules, regulations, codes, plans,
injunctions, judgments, orders, decrees, rulings, and charges thereunder) of
federal, state, local, and foreign governments (and all agencies thereof), and
no action, suit, proceeding, hearing, investigation, charge, complaint, claim,
demand, or notice has been filed or commenced against  it alleging any failure
so to comply.

     (j)        Tax and Other Returns and Reports.   All federal, state,
local and foreign Tax Returns and other similar filings required to be filed
by
DMI  with respect to any federal, state, local or foreign tax have been filed
with the appropriate governmental agencies in all jurisdictions in which such
Tax Returns are required to be filed, and all such Tax Returns properly
reflect
the liabilities of  DMI or Taxes for the periods, property or events covered
thereby.  All Taxes which are called for in the Tax Returns, or claimed to be
due by any taxing authority from Sellers, have been properly accrued or paid.
Sellers have not received any notice of assessment or proposed assessment in
connection with any Tax Returns and there are no pending tax examinations of
or
tax claims asserted against the Acquired Assets. There are no tax liens (other
than any lien for current taxes not yet due and payable) in any of the
Acquired
Assets.

     (k)        Intellectual Property.

       (i)DMI owns or has the right to use pursuant to ownership, license,
sublicense, agreement or permission all Intellectual Property  used in the
operation of the businesses of the Sellers as presently conducted.  Each item
of Intellectual Property owned or used by DMI immediately prior to the Closing
hereunder will be owned or available for use by the Buyer on identical terms
and conditions immediately subsequent to the Closing hereunder.

       (ii)To the knowledge of DMI, DMI has not interfered with, infringed
upon, misappropriated, otherwise come into conflict with any material
Intellectual Property rights of third parties, and none of DMI and the
directors and officers of DMI has ever received any charge, complaint, claim,
demand, or notice alleging any such interference, infringement,
misappropriation, or violation.  To the knowledge of  DMI and the directors
and
officers of DMI, no significant competitor of DMI has interfered with
infringed
upon, misappropriated, or otherwise come into conflict with any Intellectual
Property rights of DMI for commercial purposes.

       (iii)  Section 3(k)(iii) of the Disclosure Schedule identifies each
item of Intellectual Property that any third party owns and that the Sellers
use pursuant to license, sublicense, agreement, or permission (other than
commercially available software which is subject to a "shrinkwrap" license
(the
"Shrinkwrap Software").The Sellers have delivered to the Buyer correct and
complete copies of all such licenses, sublicenses, agreements, and permissions
(as amended to date) that are being purchased herewith.  With respect to each
item of Intellectual Property required to be identified in Section 3(k)(iii)
of
the disclosure Schedule, to the knowledge of DMI:

          (A)  the license, sublicense, agreement, or permission covering the
item is legal, valid, binding, enforceable, and in full force and effect;

          (B)  the license, sublicense, agreement, or permission will
continue to be legal, valid, binding, enforceable, and in full force and
effect
on identical terms following the consummation of the transactions contemplated
hereby (subject, however, to the assignments and assumptions referred to in
Section 2 above and the receipt of any necessary consents);

          (C)  to the knowledge of the Sellers, no party to the license,
sublicense, agreement, or permission is in material breach or default, and no
event has occurred which with notice or lapse of time would constitute a
material breach or default or permit termination, modification, or
acceleration
thereunder;

          (D)  no party to the license, sublicense, agreement, or permission
has repudiated any provision thereof;

          (E) with respect to each sublicense, the representations and
warranties set forth in subsections (A) through (D) above are true and correct
with respect to the underlying license;

          (F) the Sellers have not granted any sublicense or similar right
with respect to the license, sublicense, agreement, or permission.

       (iv) To the knowledge of any of the directors and officers of  DMI,
DMI will not interfere with, infringe upon, misappropriate, or otherwise come
into conflict with, any Intellectual Property rights of third parties as a
result of the continued operation of its business as presently conducted.

     (l)        Tangible Assets.   Substantially all of the tangible assets
that are owned by DMI and used by DMI in the conduct of its business are in
good operating condition and repair (subject to normal wear and tear), and is
suitable for the purposes for which they presently are used, subject to
technological obsolescence.  Except as set forth immediately above, the
Sellers
make no representations or warranties of any kind, express or implied, with
respect to the corporate tangible assets including, without limitation, any
warranty of merchantability, non-infringement or fitness for a particular
purpose.

     (m)  Contracts.  Section 3(m) of the Disclosure Schedule lists the
following contracts and other agreements to which DMI is a party:

       (i)any agreement (or group of related agreements) for the lease of
personal property to or from any Person providing for aggregate remaining
lease
payments in excess of $3,000;

       (ii)any agreement (or group of related agreements) for the purchase or
sale of supplies, products, or other personal property, or for the furnishing
or receipt of services, the performance of which will extend over a period of
more than one year, result in a material loss to the Sellers, or involve
consideration in excess of $1,000;

       (iii) any agreement concerning a partnership or joint venture;

       (iv)  any agreement (or group of related agreements) under which it
has created, incurred, assumed, or, guaranteed any indebtedness for borrowed
money, or any capitalized lease obligation, in excess of $3,000 or under which
it has imposed a Security Interest on any of its assets, tangible or
intangible;

       (v) . . .any agreement concerning confidentiality or noncompetition;

       (vi) any agreement between DMI and  its Affiliates.

       (vii) any profit sharing, stock option, stock purchase, stock
appreciation, deferred compensation, severance, or other plan or arrangement
for the benefit of its current or former directors, officers, and employees
which would result in liability to the Buyer;

       (viii) any collective bargaining agreement;

       (ix) any agreement for the employment of any individual on a full-
time, part-time, consulting, or other basis providing annual compensation or
providing severance benefits;

       (x)any agreement under which it has advanced or loaned any amount to
any of its directors, officers, and employees outside the Ordinary Course of
Business;

       (xi) any agreement under which the consequences of a default or
termination could have a material adverse effect on the business, financial
condition, operations, results of operations of DMI; or

       (xii) any other agreement (or group of related agreements) the
performance of which involves consideration in excess of $5,000.

     The Sellers have furnished or made available to the Buyer a correct and
complete copy of each written agreement listed in Section 3(m) of the
Disclosure Schedule (as amended to date) and a written summary setting forth
the terms and conditions of each oral agreement referred to in Section 3(m) of
the Disclosure Schedule.  With respect to each agreement required to be
disclosed hereunder: (A) the agreement is legal, valid, binding, enforceable,
and in full force and effect subject to laws limiting or affecting creditors'
rights generally; (B) the agreement will continue to be legal, valid, binding,
enforceable, and in full force and effect on identical terms following the
consummation of the transactions contemplated hereby (including and subject to
the assignments and assumptions referred to in Section 2 above and the receipt
of any necessary consents) subject to laws limiting or affecting creditors'
rights generally; (C) no party is in breach or default, in any material
respect, and no event has occurred which with notice or lapse of time would
constitute a material breach or default, or permit termination, modification,
or acceleration, under the agreement; and (D) to DMI's knowledge no party has
repudiated any material provision of the agreement.  With respect to verbal
employment arrangements, the Disclosure Schedule shall only be required to
list
the name, title, base compensation, and full or part-time status of employees
and those consultants currently performing active services for the Sellers.

     (n)        Federal Tax Contingency Reserve.  Shareholders agree that
there will be a specific contingency reserve for any potential Internal
Revenue
Service (or any state taxing agency) for 1099 contractors paid by DMI from
October 1998 to closing.  The amount of the reserve will be $84,000 worth of
Canterbury common stock (valued at the closing price of CITI stock on NASDAQ
National Market on the day prior to closing).  The reserves and statutory
release dates are as follows:

          Year                          Reserve         Release Date

          1998                          $ 4,000        January 1, 2001
          1999                          $26,000         January 1, 2002
          2000                          $54,000         January 1, 2003

     It is also agreed that if there is sufficient documentation and/or proof
of valid subcontractor status (to be determined by CITI and their
accountants),
the reserve for those particular individuals will be released prior to noted
release date.

     (o)        Powers of Attorney.  There are no outstanding powers of
attorney executed on behalf of the DMI or the Sellers.

     (p)        Insurance.  DMI's business has been insured through insurance
policies maintained by DMI which at the time of closing will be current and in
force.

     (q)        Litigation.  Section 3(q) of the Disclosure Schedule -
Section 3, sets forth each instance in which DMI (i) is subject to any
outstanding injunction, judgment, order, decree, ruling, or charge or (ii) is
a
party or to DMI's knowledge, is threatened to be made a party to any action,
suit, proceeding, hearing, or investigation of, in, or before any court or
quasi-judicial or administrative agency of any federal, state, local, or
foreign jurisdiction or before any arbitrator.  None of the actions, suits,
proceedings, hearings' and investigations set forth in Section 3(q) of the
Disclosure Schedule could result in any material adverse change in the assets
being sold and liabilities being assumed, business, financial condition,
operations or results of operations of  DMI.  Neither DMI nor the directors
and
officers of DMI has any reason to believe that any such action, suit,
proceeding, hearing, or investigation may be brought or threatened against
DMI.

     (r)        Employees.  DMI has not been informed that any executive, key
employee, employee engaged in training, or group of employees comprising the
majority of the employees of any department that he, she or they intend to
terminate employment with DMI.  DMI is not a party to or bound by any
collective bargaining agreement, nor has it experienced any strikes,
grievances, claims of unfair labor practices, or other collective bargaining
disputes. DMI has not committed any unfair labor practice.  DMI nor the
directors and officers of DMI has any knowledge of any organizational effort
presently being made or threatened by or on behalf of any labor union with
respect to employees of DMI.

     (s)        Employee Benefits.   The employees of DMI are covered by
employee benefit plans sponsored by DMI.

     (t)        Guaranties.   DMI is not a guarantor or otherwise liable for
any Liability or obligation (including indebtedness) of any other Person
except
as set forth in Section 3(t) in Disclosure Schedule - Section 3.

     (u)        Environment, Health, and Safety.

       (i)To the knowledge of the Sellers, DMI, the Sellers and their
respective Affiliates have complied with all Environmental, Health, and Safety
Laws, and no action, suit, proceeding, hearing, investigation, charge,
complaint, claim, demand, or notice has been filed or commenced against any of
them alleging any failure so to comply.  Without limiting the generality of
the
preceding sentence, the Sellers have obtained and been in compliance with all
of the material terms and conditions of all permits, licenses, and other
authorizations which are required under, and has complied in all material
respects with all other limitations, restrictions, conditions, standards,
prohibitions, requirements, obligations, schedules, and timetables which are
contained in, all Environmental, Health, and Safety Laws.

       (ii) DMI and the Sellers to the best of their knowledge do not have
any Liability (and the Sellers have not handled or disposed of any substance,
arranged for the disposal of any substance, exposed any employee or other
individual to any substance or condition, or owned or operated any property or
facility in any manner that could form the basis for any present or future
action, suit, proceeding, hearing, investigation, charge, complaint, claim, or
demand against the Sellers giving rise to any Liability) for damage to any
site, location, or body of water (surface or subsurface), for any illness of
or
personal injury to any employee or other individual,  under any Environmental,
Health, and Safety Law except with respect to possible such liabilities
associated with the use and operation of equipment used in the ordinary course
of DMI's business, including electromagnetic radiation.

       (iii)  To the knowledge of the Sellers and DMI, all properties and
equipment used in the business of DMI have been free of asbestos, PCB'S,
methylene chloride, trichloroethylene, 1,2-transdichloroethylene, dioxins,
dibenzofurans, and Extremely Hazardous Substances other than in de minimus
quantities.

     (v)     Certain Business Relationships With DMI.  Neither of the Sellers
have been involved in any business arrangement or relationship with DMI other
than as stockholders, directors, officers and employees, within the past 12
months, and neither of the Sellers own any asset, tangible or intangible,
which
is used in the business of DMI or the assets being sold herewith.

     (w)      Disclosure.  The representations and warranties contained in
this Section 3 do not contain any untrue statement of a material fact or omit
to state any material fact necessary in order to make the statements and
information contained in this Section 3 not misleading.

     (x)       Intentionally Omitted.

     (y)       Assets Free and Clear.  Shareholders hereby represent that at
the time of Closing, DMI shall have the exclusive ownership of its assets free
and clear of any liens or encumbrances except as set forth in an Exhibit to be
prepared and attached to this contract and that no other liabilities,
contingent liabilities or potential litigation exists.

     (z)       Accounts Receivable Collectability Guaranty.  The Balance Sheet
as of July 31, 2000 shall be as set forth as attached in Exhibit 4(c), and the
Shareholders shall personally indemnify CITI for the full collectability of
any
and all accounts receivable.

4.   REPRESENTATIONS AND WARRANTIES OF THE BUYER

     The Buyer represents and warrants to the Sellers that the statements
contained in this Section 4 are correct and complete as of the date of this
Agreement and will be correct and complete as of the Closing Date (as though
made then and as though the Closing Date were substituted for the date of this
Agreement throughout this Section 4), except as set forth in the Disclosure
Schedule.  The Disclosure Schedule will be arranged in paragraphs
corresponding
to the lettered and numbered paragraphs contained in this Section 4.

     (a)        Organization of the Buyer.  Canterbury is a corporation duly
organized, validly existing, and in good standing under the laws of the
jurisdiction of Pennsylvania.

     (b)        Authorization of Transaction.  Canterbury has full power and
authority (including full corporate power and authority) to execute and
deliver
this Agreement and to perform its obligations hereunder.  This Agreement
constitutes the valid and legally binding obligation of Canterbury,
enforceable
in accordance with its terms and conditions.  Each share of Stock of
Canterbury
to be issued to DMI at the closing will be duly and validly authorized and
issued, free and clear of all liens and fully paid and non-assessable.

     (c)        Noncontravention.  Neither the execution and the delivery of
this Agreement, nor the consummation of the transactions contemplated hereby
(including the assignments and assumptions referred to in Section 2 above),
will (i) violate any constitution, statute, regulation, rule, injunction,
judgment, order, decree, ruling, charge, or other restriction of any
government, governmental agency, or court to which the Buyer is subject or any
provision of its charter or bylaws or (ii) conflict with, result in a breach
of, constitute a default under, result in the acceleration of, create in any
party the right to accelerate, terminate, modify, or cancel, or require any
notice under any agreement, contract, lease, license, instrument, or other
arrangement to which the Buyer is a party or by which it is bound or to which
any of its assets is subject.  Canterbury does not need to give any notice to,
make any filing with, or obtain any authorization, consent, or approval of any
government or governmental agency in order for the Parties to consummate the
transactions contemplated by this Agreement (including the assignments and
assumptions referred to in Section 2 above).

     (d)        Securities Filings.  Canterbury has made all filings required
by the Securities Act of 1933 and the Securities Exchange Act of 1934, as
amended, and such filings did not contain any material misstatement or omit to
state a material fact required to make the statements therein not misleading.

     (e)       Disclosure.  The representations and warranties contained in
this paragraph 4 do not contain any untrue statement of a material fact or
omit
to state any material fact necessary in order to make the statements and
information contained in this paragraph 4 not misleading.

5.   PRE-CLOSING COVENANTS

     The Parties agree as follows with respect to the period between the
execution of this Agreement and the Closing.

     (a)  General.  Each of the Parties will use its best efforts to take all
action, and to do all things necessary, in order to consummate and make
effective the transactions contemplated by this Agreement (including
satisfaction, but not waiver, of the closing conditions set forth in Section 6
below).

     (b)  Notices and Consents.  Shareholders and DMI will give any notices
to third parties that the Buyer reasonably may request in connection with the
matters referred to in Section 3(c) above.  Each of the Parties will give any
notices to, make any filings with, and use its best efforts to obtain any
authorizations, consents, and approvals of governments and governmental
agencies in connection with the matters referred to in Section 3(c) and
Section
4(c) above.

     (c)  Operation of Business.  Shareholders and DMI will not engage in,
and Shareholders and DMI will not cause DMI to engage in any practice, take
any
action, or enter into any transaction outside the Ordinary Course of Business.
Without limiting the generality of the foregoing, the Sellers will not cause
DMI to (i) declare, set aside, or pay any dividend or make any distribution
with respect to DMI's capital stock, (ii) pay any amount to any third party
with respect to any Liability or obligation (including any costs and expenses
the Sellers or DMI have incurred or may incur in connection with this
Agreement
and the transactions contemplated hereby other than Sellers' or DMI's usual
accounting-related costs) which would not constitute a liability if in
existence as of the Closing, or (iii) otherwise engage in any practice, take
any action, or enter into any transaction of the sort described in Section
3(g)
above.

     (d)  Preservation of Business.   Sellers will keep DMI's business and
properties substantially intact, including its present operations, physical
facilities, working conditions, and relationships with lessors, licensor,
suppliers, customers, and employees.

     (e)  Full Access.  Sellers and DMI will permit representatives of the
Buyer to have access at all reasonable times, and in a manner so as not to
interfere with the normal business operations of DMI to all premises,
properties, personnel, books, records (including Tax records), contracts, and
documents of or pertaining to DMI provided, however, that no activities will
be
carried out within DMI's premises except by prior arrangement with a
representative of  DMI who shall be designated for that purpose.  Buyer shall
use its best efforts to minimize the need to conduct on-site activities and,
when they are necessary, to avoid unnecessary disruption of DMI's business.
Sellers will make available to Buyer those of DMI's employees who are
reasonably necessary in order for Buyer to complete its due diligence
investigations.

     (f)  Notice of Developments.  Each Party will give prompt written notice
to the other Party of any material adverse development causing a breach of any
of its own representations and warranties in Section 3 and Section 4 above.
No
disclosure by any Party pursuant to this Section 5(f), however, shall be
deemed
to amend or supplement the Disclosure Schedule or to prevent or cure any
misrepresentation, breach of warranty, or breach of covenant provided that if
the party to whom a disclosure was made proceeds to closing, that party shall
be deemed to have waived such breach and any remedies which may have been
available with respect thereto.

     (g)  Exclusivity.  Sellers or DMI will not (i) solicit, initiate, or
encourage the submission of any proposal or offer from any Person relating to
the acquisition of any capital stock or other voting securities, or any
substantial portion of the assets of DMI (including any acquisition structured
as a merger, consolidation, or share exchange) or (ii) participate in any
discussions or negotiations regarding, furnish any information with respect
to,
assist or participate in, or facilitate in any other manner any effort or
attempt by any Person to do or seek any of the foregoing.

     (h)       Termination of IRS Subchapter "S" Election.  Sellers hereby
agree to cause DMI to terminate IRS Subchapter "S" election as of August 1,
2000.

6.   CONDITIONS TO OBLIGATION TO CLOSE

     (a)  Conditions to Obligation of the Buyer.  The obligation of the Buyer
to consummate the transactions to be performed by it in connection with the
Closing is subject to satisfaction of the following conditions:

          (i)  the representations and warranties set forth in Section 3
above shall be true and correct in all material respects at and as of the
Closing Date;

          (ii) the Sellers shall have performed and complied with all of its
covenants hereunder in all material respects through the Closing;

          (iii)     no action, suit, or proceeding shall be pending or
threatened
before any court or quasi-judicial or administrative agency of any federal,
state, local, or foreign jurisdiction or before any arbitrator, wherein an
unfavorable injunction, judgment, order, decree, ruling, or charge would (A)
prevent consummation of any of the transactions contemplated by this
Agreement,
(B) cause any of the transactions contemplated by this Agreement to be
rescinded following consummation, or (C) affect adversely and materially the
right of the Buyer to own the Corporate Assets and to operate DMI;

          (iv) the Sellers shall have delivered to the Buyer a certificate
to the effect that each of the conditions specified above in Section 6(a)(i)-
(iv) is satisfied in all respects;

          (v)  The Sellers and the Buyer shall have received all
authorizations, consents, and approvals of governments and governmental
agencies, if any, referred to in Section 3(c) and Section 4(c) above;

          (vi) all actions to be taken by the Sellers in connection with
consummation of the transactions contemplated hereby and all certificates,
opinions, instruments, and other documents required to effect the transactions
contemplated hereby will be reasonably satisfactory in form and substance to
the Buyer.

          (vii)     compliance with miscellaneous covenants in Paragraph 9 and
elsewhere in this Agreement.

     The Buyer may waive any condition specified in this Section 6(a) if it
executes a writing so stating at or prior to the Closing.

     (b)  Conditions to Obligation of the Sellers.   The obligation of the
Sellers to consummate the transactions to be performed by it in connection
with
the Closing is subject to satisfaction of the following conditions:

          (i)  the representations and warranties set forth in Section 4
above shall be true and correct in all material respects at and as of the
Closing Date;

          (ii) Canterbury shall have performed and complied with all of its
covenants hereunder in all material respects through the Closing;

          (iii)     no action, suit, or proceeding shall be pending or
threatened
before any court or quasi-judicial or administrative agency of any federal,
state, local, or foreign jurisdiction or before any arbitrator wherein an
unfavorable injunction, judgment, order, decree, ruling, or charge would (A)
prevent consummation of any of the transactions contemplated by this Agreement
or (B) cause any of the transactions contemplated by this Agreement to be
rescinded following consummation (and no such injunction, judgment, order,
decree, or charge shall be in effect);

          (iv) the Buyer shall have delivered to the Sellers a certificate
to the effect that each of the conditions specified above in Section 6(b)(i)-
(iii) is satisfied in all respects;

          (v)  The Sellers, DMI and the Buyer shall have received all other
authorizations, consents, and approvals of governments and governmental
agencies referred to in Section 3(c) and Section  4(c) above;

          (vi) all actions to be taken by the Buyer in connection with
consummation of the transactions contemplated hereby and all certificates,
opinions, instruments, and other documents required to effect the transactions
contemplated hereby will be reasonably satisfactory in form and substance to
the Sellers.

     The Sellers may waive any condition specified in this Section 6(b) if it
executes a writing so stating at or prior to the Closing.

7.   TERMINATION

     (a)  Termination of Agreement.  Certain of the Parties may terminate
this Agreement as provided below prior to Closing:

          (i)  the Buyer and the Sellers may terminate this Agreement by
mutual written consent at any time prior to the Closing;

          (ii) the Buyer may terminate this Agreement by giving written
notice to the Sellers at any time prior to the Closing (A) in the event the
Sellers have breached any material representation, warranty, or covenant
contained in this Agreement in any material respect, the Buyer has notified
the
Sellers of the breach, and the breach has continued without cure for a period
of 10 days after the notice of breach or (B) if the Closing shall not have
occurred on or before August 31, 2000 by reason of the failure of any
condition
precedent under Section 6(a) hereof (unless the failure results primarily from
the Buyer itself breaching any representation, warranty, or covenant contained
in this Agreement); and

          (iii)     the Balance Sheet as of July 31, 2000 shall be as set
forth
as attached as Exhibit 4(c), and the Shareholders shall personally indemnify
CITI for the full collectability of any and all accounts receivable.

8.   INDEMNIFICATION

     (a)  Survival of Representations and Warranties.  All of the
representations of the Buyer and the Sellers contained in this Agreement shall
survive the Closing and continue in full force and effect thereafter for a
period of two (2) years following the date of Closing (subject to any
applicable statutes of limitations,  the last day of which shall be the
"Expiration Date").

     (b)       Indemnification Provisions for Benefit of the Buyer.

     Subject to the limitations set forth in Section 8(e) below:

          (i)  In the event the Sellers breach (or in the event any third
party alleges facts that, if true, would mean DMI has breached) any of its
material representations, warranties, and covenants contained in this
Agreement, and, provided that the Buyer makes a written claim for
indemnification against the Sellers within the survival period set forth in
Section8(a) above, then Sellers agree to indemnify the Buyer from and against
the entirety of any losses the Buyer may suffer through and after the date of
the claim for indemnification including any Losses the Buyer may suffer after
the end of any applicable survival period resulting from, arising out of,
relating to, in the nature of, or caused by the breach (or the alleged
breach).

          (ii) The Sellers agree to indemnify the Buyer from and against the
entirety of any Losses the Buyer may suffer resulting from, arising out of,
relating to, in the nature of, or caused by any Liability of DMI which is not
a
liability as set forth in the Closing Balance Sheet.  This indemnity
obligation
with respect to Losses arising from any Third Party Claim (as defined below)
shall not be limited to the survival period set forth in Paragraph 8(a) above.

          (iii)     The Sellers agree to indemnify the Buyer against the
failure
of  DMI to deliver to Buyer by October 31, 2000, two hundred nine thousand
dollars ($209,000) from the collection of Receivables; to the extent of such
deficiency; provided, however, that the remedy provided herein shall not
duplicate any relief provided to Buyer under Section 2(c) and 7(a)(iii)
hereof.

          (iv) For purposes of this Section8, the term "Losses" shall mean
all actions, suits, proceedings, hearings, investigations, charges,
complaints,
claims, demands, injunctions, judgments, orders, decrees, rulings, damages,
dues, penalties, fines, costs, amounts paid in settlement, liabilities,
obligations, taxes, liens, losses, expenses, and fees, including court costs
and reasonable attorneys' fees and expenses.

          (v)  At the option of Buyer, Buyer may set off any damages or
liabilities due Buyer by reducing Buyer's common stock issued to Sellers by
the
pro rata closing price per share of Buyer's stock on NASDAQ National market on
the day the damages are claimed by Buyer, or the price of the original
issuance, whichever is higher.

          (vi)      Notwithstanding anything to contrary contained herein,
Sellers do not agree to and shall not indemnify Buyer for any Losses which
have
a Basis that arises or occurs after the Closing.

     (c)  Matters Involving Third Parties.

          (i)  If any third party shall notify any Party (the "Indemnified
Party") with respect to any matter (a "Third Party Claim") which may give rise
to a claim for indemnification against any other Party (the "Indemnifying
Party") under this Paragraph 8, then the Indemnified Party shall promptly
notify each Indemnifying Party thereof in writing; provided, however, that no
delay on the part of the Indemnified Party in notifying any Indemnifying Party
shall relieve the Indemnifying Party from any obligation hereunder unless (and
then solely to the extent) the Indemnifying Party thereby is prejudiced.

          (ii) Any Indemnifying Party will have the right to defend the
Indemnified Party against the Third Party Claim with counsel of its choice
reasonably satisfactory to the Indemnified Party so long as (A) the
Indemnifying Party notified the Indemnified Party in writing with 15 days
after
the Indemnified Party has given notice of the Third Party Claim that the
Indemnifying Party will, to the full extent required by this Agreement,
indemnify the Indemnified Party from and against the entirety of any Losses
the
Indemnified Party may suffer resulting from, arising out of, relating to, in
the nature of, or caused by the Third Party Claim, (B) the Indemnifying Party
provides the Indemnified Party with evidence reasonably acceptable to the
Indemnified Party that the Indemnifying Party will have the financial
resources
to defend against the Third Party Claim and fulfill its indemnification
obligations hereunder, (C) the Third Party Claim involves only money damage
and
does not seek an injunction or other equitable relief, (D) settlement of, or
an
adverse judgment with respect to, the Third Party Claim is not, in the good
faith judgment of the Indemnified Party, likely to establish a prejudicial
custom or practice materially adverse to the continuing business interests of
the Indemnified Party, and (E) the Indemnifying Party conducts the defense of
the Third Party Claim actively and diligently.

          (iii)     So long as the Indemnifying Party is conducting the
defense
of the Third Party Claim in accordance with Section8(c)(ii) above, (A) the
Indemnified Party may retain separate co-counsel at its sole cost and expense
and participate in the defense of the Third Party Claim, (B) the Indemnified
Party will not consent to the entry of any judgment or enter into any
settlement with respect to the Third Party Claim without the prior written
consent of the Indemnifying Party (not to be withheld unreasonably), and (C)
the Indemnifying Party will not consent to the entry of any judgment or enter
into any settlement with respect to the Third Party Claim without the prior
written consent of the Indemnified Party (not to be withheld unreasonably).

          (iv) In the event any of the conditions in Section8(c)(ii) above
is or becomes unsatisfied, however, (A) the Indemnified Party may defend
against, and consent to the entry of any judgment or enter into any settlement
with respect to, the Third Party Claim in any manner it reasonably may deem
appropriate (and the Indemnified Party need not consult with, or obtain any
consent from, any Indemnifying Party in connection therewith), (B ) the
Indemnifying Parties will reimburse the Indemnified party promptly and
periodically for the costs of defending against the Third Party Claim
(including reasonable attorneys' fees and expenses), and (C) the Indemnifying
Parties will remain responsible for any Losses the Indemnified Party may
suffer, result from, arising out of, relating to, in the nature of, or caused
by the Third Party Claim to the fullest extent provided in this paragraph 8.

     (d)  Indemnification Provisions for Benefit of the Sellers.

          (i)  The Buyer agrees to indemnify the Sellers from and against the
entirety of Losses the Sellers may suffer resulting from, arising out of,
relating to, in the nature of, or caused by Buyer's breach of any material
representation, warranty or covenant.

          (ii)  For purposes hereof, the term "Losses" shall have the same
meaning as set forth in Section 8(a)(iv) above, and all other capitalized
terms
shall have the meaning elsewhere provided in this Agreement.

     (e)       Limitations and Conditions on Indemnification.   Except as
otherwise specifically provided in this Agreement:

          (i)  Indemnity obligations of Shareholders hereunder may at Buyer's
election, be satisfied through the payment of cash or the delivery of Stock of
Canterbury, or a combination thereof. For purposes of calculating the value of
the Stock of Buyer received or delivered by Shareholders (for purposes of
determining the amount of any indemnity paid), the value of Stock of
Canterbury
shall be determined as of the date of notice of the indemnity claim at the
closing price per share of Canterbury's stock on NASDAQ National Market, or at
the original price at Closing, whichever is higher.

          (ii)  Except as specifically set forth in this Agreement, no party
shall be entitled to indemnity for claims or conditions which have been
waived,
or deemed to be waived, by such party.

          (iii)  Notwithstanding any provision herein to the contrary, no
Indemnified Party shall be entitled to make any claim for indemnification
hereunder after the appropriate Expiration Date, provided, however, that if
prior to the close of business on the Expiration Date an Indemnifying Party
shall have been notified of a claim for indemnity hereunder and such claim
shall not have been finally resolved or disposed of at such date, the basis
for
such claim shall continue to survive with respect to such claim and shall
remain a basis for indemnity hereunder with respect to such claim until such
claim is finally resolved or disposed of in accordance with the terms hereof.

          (iv)  Upon making a claim for indemnification, the Indemnifying
Party shall be subrogated, to the extent of such payment, to any rights that
the Indemnified Party may have against any other parties with respect to the
subject matter underlying such indemnified claim.

          (v)  Each party's rights under Section 8 hereof (as specifically
limited thereby) shall be the exclusive means by which such party shall seek
money damages against another party in connection with the transactions
contemplated hereby.

9.   MISCELLANEOUS

     (a)  Registration of Stock of  Canterbury.

          (i) In ninety (90) days from the closing, Canterbury shall:  (A)
prepare and file at its own expense with the SEC a registration statement on
Form S-3 under the Securities Act covering thirty (30%) percent of  the Stock
of Canterbury (not including any reserve shares as set forth in Paragraph
3(n))
to be issued to Shareholders hereunder (the "Registration Statement"), (B) use
its best efforts to have the Registration Statement declared effective by the
SEC under the Securities Act as soon as possible thereafter, and (C) keep the
Registration Statement  continuously in effect, if necessary, until the
earlier
to occur of the first anniversary of the closing or the date on which all of
the shares of Stock of Canterbury registered under the Registration Statement
have been sold to Canterbury in accordance with Section 9(e) below or to the
public.

          (ii)  The Registration Statement, when filed, (A) will comply as to
form with the requirements of the Securities Act in all material respects, and
(B) will not contain any untrue statement of material fact or omit to state a
material fact necessary in order to make the statements made therein, in light
of the circumstances under which they were made, not misleading, provided,
however, that Canterbury and the Buyer make no representation or warranty in
respect of any information that Shareholders supply for use in the
Registration
Statement.

          (iii)  As to the Stock of  Canterbury registered pursuant to this
Section 9(a), Canterbury and Buyer covenant and agree that:

               (A)  It shall immediately advise Shareholders in writing of
the occurrence and time of occurrence of each of the following events:  (1)
the
issuance by the SEC of an order declaring the Registration Statement
effective;
(2) any request by the SEC for an amendment of the Registration Statement as
originally filed or as amended or as effective or for any amendment or
supplement to the final prospectus or preliminary prospectus contained
therein,
or for any additional information with respect to the registration Statement
or
such prospectus or any preliminary prospectus; (3)  the issuance by the SEC of
any stop order suspending the effectiveness of the Registration Statement or
any order suspending or preventing the use of such final prospectus or any
such
preliminary prospectus, or the initiation of any proceedings for such purpose.

               (B)  At Sellers' expense, Canterbury will Blue Sky any sale
of  the Stock of Canterbury in any two jurisdictions that it qualifies for.

               (C)  It shall timely file all reports required by the
Securities Exchange Act and promptly amend or supplement the Registration
Statement at any time during the period of its effectiveness in order to make
the statements therein not misleading, or as otherwise may be required by the
Securities Act and the rules and regulations promulgated thereunder;

               (D)  It shall make every reasonable effort to prevent the
issuance of any stop order and, if issued, to obtain the withdrawal thereof
at
the earliest practicable time; and

               (E)  All expenses of the Registration Statement, and all
amendments and supplements thereto, will be borne by Canterbury.  Canterbury
shall furnish such number of copies of the prospectus as Shareholders
reasonably request in order to facilitate the disposition of the Stock of
Canterbury, but in no event more than five (5) copies.

               (F)  Buyer will indemnify Shareholders with respect to each
registration which has been effected pursuant to this Section 9(a) against all
claims, losses, damages and liabilities (or actions in respect thereof)
arising
out of or based on any untrue statement (or alleged untrue statement) of a
material fact contained in any prospectus, offering circular or other document
(including any related registration statement, notification or the like)
incident to any such registration and related qualification or compliance, or
based on any omission (or alleged omission) to state therein a material fact
required to be stated therein or necessary to make statements therein not
misleading, or any violation by Buyer of the Securities Act or the Securities
Exchange Act or any rule or regulation applicable to Buyer and relating to
action or inaction required of Buyer in connection with any such registration
and related qualification or compliance, and will reimburse Shareholders for
any reasonable legal and any other expenses reasonably incurred in connection
with investigating and defending any such claim, loss, damage, liability or
action, provided that Buyer will not be liable in any such case to the extent
that any such claim, loss, damage, liability or expense arises out of or is
based on any untrue statement or omission based upon written information
furnished to Buyer by Shareholders in writing and stated to be specifically
for
use therein.

               (G)  Shareholders will indemnify Buyer and Canterbury, and
each of its directors and officers, and each Person who controls Buyer,
against
all claims, losses, damages and liabilities (or actions in respect thereof)
arising out of or based on (1) any untrue statement (or alleged untrue
statement) of a material fact contained in any prospectus, offering circular
or
other document made by Shareholders, or (2) any omission (or alleged omission)
to state therein a material fact required to be stated therein or necessary to
make the statements by Shareholders therein not misleading, and will reimburse
Buyer and such directors, officers, or control persons for any legal or any
other expenses reasonably incurred in connection with investigating or
defending any such claim, loss, damage, liability or action, in each case to
the extent, but only to the extent that such untrue statement (or alleged
untrue statement) or omission (or alleged omission) is made in such
registration statement, prospectus, offering circular or other document in
reliance upon and in conformity with written information furnished to Buyer by
Shareholders and stated to be specifically for use therein; provided, however,
that the obligations of Shareholders hereunder shall be limited as set forth
in
Section 8(e) hereof.

               (H)  The procedure for indemnity hereunder shall be as set
forth in Section 8 hereof.

               (I)  Shareholders hereby agree that whenever Shareholders
desire to legally or contractually sell any Canterbury stock that they
received
as a result of this transaction, or any bonuses, conversions, or other
issuances in the future of stock to them by CITI either for registered or
unregistered shares of CITI common stock, Shareholders hereby agree to grant
CITI or its designees a fifteen (15) business day First Right of Refusal.
Shareholder must notify CITI in writing its intent to sell a certain number of
shares to (i) any bonafide third party.  CITI or its designees have the right
within fifteen (15) business days to match such offer.  If CITI or its
designees decline to match same than Shareholder(s) has the right to complete
said sale within thirty (30) days.  If Shareholder fails to do so than
Shareholder must reoffer any and all shares for CITI under the same
procedures;
(ii) if Shareholder(s) desires to sell any or all shares in the public market
under any lawful exemption or Registration Statement, Shareholder(s) must
notify CITI in writing after five (5) o'clock p.m. on the day of notice in
utilizing the closing bid price on NASDAQ National Market of that day.  CITI
has fifteen (15) business days to purchase the number of shares set forth in
the notice at the aforesaid price of the day of notice.  If CITI or its
designees fail to do so than Shareholder(s) is free to complete the sale
within
thirty (30) days thereafter, otherwise Shareholder(s) is required to follow
same procedure as outlined above for any subsequent resale.

     (b)  Litigation Support.  In the event and for so long as any Party
actively is contesting or defending against any action, suit, proceedings,
hearing, investigation, charge, complaint, claim, or demand in connection with
(i) any transaction contemplated under this Agreement or (ii) any fact,
situation, circumstance, status, condition, activity, practice, plan,
occurrence, event, incident, action, failure to act, or transaction on or
prior
to the Closing Date involving the Sellers, each of the other parties will
cooperate reasonably with the contesting or defending Party and his or its
counsel in the contest or defense, make available his or its personnel, and
provide such testimony and access to his or its books and records as shall be
necessary in connection with the contest or defense, all at the sole cost and
expense of the contesting or defending Party (unless the contesting or
defending Party is entitled to indemnification therefor under Section 8).

     (c)  Restrictive Covenants.

          (i)  D. Kent Jordan and Mark Vallario have agreed to restrictive
covenants as set forth in their Employment Agreements which are exhibits to
this Agreement.  Those Shareholders confirm and agree that they will abide the
restrictive covenants as set forth in those Agreements.

     (d)  No Third-Party Beneficiaries.  This Agreement shall not confer any
rights or remedies upon any Person other than the Parties and their respective
successors and permitted assigns.

     (e)  Entire Agreement.  This Agreement (including the documents referred
to herein) constitutes the entire agreement between the Parties and supersedes
any prior understandings, agreements, or representations by or between the
Parties, written or oral, to the extent they related in any way to the subject
matter hereof.

     (f)  Succession and Assignment.  This Agreement shall be binding upon
and inure to the benefit of the Parties named herein and their respective
successors and permitted assigns.  No Party may assign either this Agreement
or
any of its rights, interests, or obligations hereunder without the prior
written approval of the other Party; provided, however, that the Buyer may (i)
assign any or all of its rights and interests hereunder to one or more of its
Affiliates and (ii) designate one or more of its Affiliates to perform its
obligations hereunder (in any or all of which cases the Buyer nonetheless
shall
remain responsible for the performance of all of its obligations hereunder).

     (g)  Counterparts.  This Agreement may be executed in any number of
counterparts, including counterparts transmitted by telecopier or FAX, any one
of which shall constitute an original of this Agreement.  When counterparts of
facsimile copies have been executed by all parties, they shall have the same
effect as if the signature to each counterpart or copy were upon the same
document and copies of such documents shall be deemed valid as originals.  The
parties agree that all such signatures may be transferred to a single document
upon the request of any party.

     (h)  Headings.  The section headings contained in this Agreement are
inserted for convenience only and shall not affect in any way the meaning or
interpretation of this Agreement.

     (i)  Notices.  All notices, requests, demands, claims, and other
communications hereunder will be in writing.  Any notice, request, demand,
claim, or other communication hereunder shall be deemed duly given if (and
then
two business days after) it is personally delivered, sent by reputable
overnight delivery service or by registered or certified mail, return receipt
requested, postage prepaid, and addressed to the intended recipient as set
forth below:

If to DMI:                              Copy to:
Datamosaic International, Inc.          Steve Dubner, Esq.
Two Sun Court/Suite 300                 Higgins & Dubner
Norcross, GA. 30092                Atlanta Financial Center
(770) 239-1818                     3333 Peachtree Road
(770) 239-1818 (fax)                    Atlanta, Georgia 30326
                                   (404) 264-1011
                                   (404) 264-1044 (fax)

If to the Buyer:                        Copy to:
Canterbury Information Technology, Inc. Levy & Levy, P.A.
1600 Medford Plaza                 Plaza 1000, Suite 309
Route 70 & Hartford Road           Main Street
Medford, NJ 08055                       Voorhees, NJ 08043
(609) 953-0044                     (856) 751-9494
(609) 953-0062 (fax)                    (856) 751-9779 (fax)

Any Party may send any notice, request, demand, claim, or other communication
hereunder to the recipient at the address set forth above using any other
means
(including personal delivery, expedite messenger service, telecopy, telex,
ordinary mail, or electronic mail), but no such notice, request, demand other
communication shall be deemed to have been duly given unless and until it
actually is received by its intended recipient.  Any Party may change the
address to which notices, requests, demands, claims, and other' communications
hereunder are to be delivered by giving the other Party notice in the manner
herein set forth.

     (j)  Governing Law.  This Agreement shall be governed by and construed
in accordance with the domestic laws of the State of New Jersey without giving
effect to any choice or conflict of law provision or rule (whether of the
State
of New Jersey, or any other jurisdiction) that would cause the application of
the laws of any jurisdiction other than the State of New Jersey.

     (k)  Amendments and Waivers.  No amendment of any provision of this
Agreement shall be valid unless the same shall be in writing and signed by the
Buyer and the Sellers.  The Sellers may consent to any such amendment at any
time prior to the Closing with the prior authorization of its board of
directors; provided, however, that any amendment effected has approved this
Agreement will be subject to the restrictions contained in the Delaware
General
Corporation Law.  No waiver by any Party of any default, misrepresentation, or
breach of warranty or covenant hereunder, whether intentional or not, shall be
deemed to extend to any prior or subsequent default, misrepresentation, or
breach of warranty or covenant hereunder or affect in any way any rights
arising by virtue of any prior or subsequent such occurrence.

     (l)  Severability.  Any term or provision of this Agreement that is
invalid or unenforceable in any situation in any jurisdiction shall not affect
the validity or enforceability of the remaining terms and provisions hereof or
the validity or enforceability of the offending term or provision in any other
situation or in any other jurisdiction.

     (m)  Expenses.  The Buyer and the Sellers will bear their own costs and
expenses (including legal fees and expenses) incurred in connection with this
Agreement and the transactions contemplated hereby. Buyer and Sellers agree
that each will be solely responsible for all its own legal, accounting and
consulting fees, if any, for the review and completion of this transaction,
except that Buyer will pay the cost of the audit fee if required for its
auditor Ernst & Young, LLP or any other auditor firm as designated by Buyer.

     (n)  Brokers'/Finders' Fees.  Sellers represent that they have not
incurred or will become liable for any broker's commission or finder's fee
relating to or in connection with the transactions contemplated by this
Agreement.

     (o)  Construction.  The Parties have participated jointly in the
negotiation and drafting of this Agreement.  In the event an ambiguity or
question of intent or interpretation arises, this Agreement shall be construed
as if drafted jointly by the Parties and no presumption or burden of proof
shall arise favoring or disfavoring any Party by virtue of the authorship of
any of the provisions of this Agreement.  Any reference to any federal, state,
local, or foreign statute or law shall be deemed also to refer to all rules
and
regulations promulgated thereunder, unless the context requires otherwise.
The
word "including" shall mean including without limitation.  Nothing in the
Disclosure Schedule shall be deemed adequate to disclose an exception to a
representation or warranty made herein unless the Disclosure Schedule
identifies the exception with particularity and describes the relevant facts
in
reasonable detail.

     (p)  Incorporation of Exhibits and Schedules.  The Exhibits and
Schedules identified in this Agreement are incorporated herein by reference
and
made a part hereof.

     (q)  Specific Performance.  Each of the Parties acknowledges and agrees
that the other Party would be damaged irreparably in the event any of the
provisions of this Agreement are not performed in accordance with their
specific terms or otherwise are breached.  Accordingly, each of the Parties
agrees that the other Party, shall be entitled to an injunction or injunctions
to prevent breaches of the provisions of this Agreement and to enforce
specifically this Agreement and the terms and provisions hereof in any action
instituted in any court of the United States or any state thereof having
jurisdiction over the Parties and the matter (subject to the provisions set
forth in Section 9(t) below), in addition to any other remedy to which it may
be entitled, at law or in equity (except as limited by this Agreement).

     (r)  Arbitration.   All claims, disputes and other matters in question
hereunder arising out of or relating to this Agreement or the transactions
contemplated herein shall be decided by binding arbitration in accordance with
the rules of the American Arbitration Association unless the parties mutually
agree otherwise.  Such arbitration shall take place in Medford, New Jersey.
The award rendered by the arbitrator shall be final, and judgment may be
entered upon in accordance with applicable law in any court having
jurisdiction
thereof.

     IN WITNESS WHEREOF, the Parties hereto have executed this Agreement on
the date first above written.

CANTERBURY INFORMATION TECHNOLOGY, INC.

/s/Kevin J. McAndrew                    /S/Stanton M. Pikus
Kevin J. McAndrew, Executive Vice       Stanton M. Pikus, President
President

SELLERS

/s/ Mark Vallario                       /s/ D. Kent Jordan
Mark Vallario                           D. Kent Jordan

/s/Christopher D. Fischer               /s/David Hendrick
Christopher D. Fischer                  David Hendrick

<PAGE>
                             SCHEDULE 1

                  ALLOCATION OF DMI'S SHAREHOLDERS

<PAGE>
                             SCHEDULE 2

                         INVESTMENT LETTER

<PAGE>
                           SCHEDULE 3(a)

                        EMPLOYMENT AGREEMENT

                           D. KENT JORDAN

<PAGE>
                           SCHEDULE 3(b)

                        EMPLOYMENT AGREEMENT

                           MARK VALLARIO

<PAGE>
                           SCHEDULE 4(a)

                        FINANCIAL STATEMENTS

         1998 AND 1999 BALANCE SHEETS AND INCOME STATEMENTS

<PAGE>
                           SCHEDULE 4(b)

                        FINANCIAL STATEMENTS

           UNAUDITED BALANCE SHEET AND INCOME STATEMENTS

               FOR THE SIX MONTHS ENDED JUNE 30, 2000

<PAGE>
                           SCHEDULE 4(c)

                        FINANCIAL STATEMENTS

           UNAUDITED BALANCE SHEET AND INCOME STATEMENTS

               FOR THE ONE MONTH ENDED JULY 31, 2000

<PAGE>
                           SCHEDULE 5(a)

                  DISCLOSURE SCHEDULE - SECTION 3

                             LITIGATION

<PAGE>
                              SCHEDULE 5(b)

                  DISCLOSURE SCHEDULE - SECTION 3

                       GUARANTOR OBLIGATIONS

<PAGE>
                             SCHEDULE 6

                  DISCLOSURE SCHEDULE - SECTION 4<PAGE>

                                                                     EXHIBIT 4.1

                                 2000 STOCK PLAN

1. PURPOSE. The purposes of this 2000 Stock Plan (the "Plan") of Pacific CMA,
Inc., a Colorado corporation (the "Company"), are (a) to ensure the retention of
the services of existing executive personnel, key employees, and directors of
the Company or its affiliates; (b) to attract and retain competent new executive
personnel, key employees, and directors; (c) to provide incentive to all such
personnel, employees and directors to devote their utmost effort and skill to
the advancement and betterment of the Company, by permitting them to participate
in the ownership of the Company and thereby in the success and increased value
of the Company; and (d) to allow vendors, service providers, consultants,
business associates, strategic partners, and others, with or that the Board of
Directors anticipates will have an important business relationship with the
Company or its affiliates, the opportunity to participate in the ownership of
the Company and thereby to have an interest in the success and increased value
of the Company.

2. AWARD OPPORTUNITIES.

     Awards (individually, an "Award"; collectively, the "Awards") under the
Plan may be granted in the form of (a) incentive stock options ("Incentive Stock
Options") to acquire shares of voting and/or non-voting common stock of the
Company ("Common Stock"), as provided in Section 422 of the Internal Revenue
Code of 1986, as amended (the "Code"), (b) non-statutory stock options
("Nonstatutory Stock Options") to acquire Common Stock, and (c) Common Stock
that is restricted and must be purchased by the Plan participant ("Restricted
Common Stock").

     Incentive Stock Options and Nonstatutory Stock Options may hereinafter be
referred to individually as an "Option" and collectively as "Options."

3. ADMINISTRATION.

     (A) COMMITTEE. The Plan shall be administered by the Company's Board of
     Directors (the "Board") or by a committee (the "Committee") of the Board
     authorized by the Board. The Committee shall consist of two or more
     persons, at least two of whom shall be directors of the Company, who shall
     be appointed by, and serve at the pleasure of, the Board. No person serving
     as a member of the Board or the Committee shall act on any matter relating
     solely to such person's own interest under the Plan or any Option or shares
     thereunder. At any time that the Company has a class of equity securities
     registered under Section 12 of the Securities Exchange Act of 1934, as
     amended (the "Exchange Act"), (i) only directors who, at the time of
     service, qualify as "disinterested persons" within the meaning of Rule
     16b-3 under the Exchange Act shall be members of the Committee and (ii) all
     references in the Plan to the Board shall refer only to the Committee.

     (B) AUTHORITY. The Board, or the Committee, to the extent the Board has
     delegated such authority to the Committee, shall have full and final
     authority with respect to the Plan (i) to interpret all provisions of the
     Plan consistent with law; (ii) to determine the persons who will receive
     Awards; (iii) to determine the frequency of grant of Awards; (iv) to

                                       1
<PAGE>

     determine the type of, the number of shares of Common Stock subject to, and
     the exercise period and price of each Option to be granted to each eligible
     persons; (v) to determine the type of, the number and the purchase price of
     shares of Restricted Common Stock to be granted to each person; (vi) to
     prescribe the form and terms of instruments evidencing any Award granted
     under the Plan; (vii) to determine the term of the restricted period and
     other conditions applicable to Restricted Common Stock; (viii) to adopt,
     amend and rescind general and special rules and regulations for the Plan's
     administration; and (ix) to make all other determinations necessary or
     advisable for the administration of the Plan. The Board may, with the
     consent of the person who has been granted an Award under the Plan, amend
     the instrument regarding such Award consistent with the provisions of the
     Plan, unless otherwise required by law.

     (C) INDEMNIFICATION. No member of the Board or the Committee shall be
     liable for any action taken or determination made in good faith. The
     members of the Board and the Committee shall be indemnified by the Company
     for any acts or omissions in connection with the Plan to the full extent
     permitted by Colorado and Federal laws.

4. ELIGIBILITY. Participation in the Plan shall be determined by the Board and
shall be limited to executive personnel, key employees, and directors of the
Company or its affiliates, and vendors, service providers, consultants, business
associates, strategic partners, and others with or that the Board anticipates
will have an important business relationship with the Company or its affiliates
(individually, a "Participant"; collectively, the "Participants").

5.   STOCK SUBJECT TO PLAN.

     Subject to adjustments as provided in Section 8(A) hereof, the aggregate
amount of Common Stock as to which Awards may be granted under the Plan shall be
2,200,000, and may be authorized but unissued shares or treasury shares.

     The Board, or its designee, shall maintain records showing the cumulative
number of shares of Common Stock underlying outstanding Options, the cumulative
number of shares of Common Stock subject to right of purchase as Restricted
Common Stock and the applicable restricted periods under the Plan, and the
number of shares of Common Stock delivered in settlement of any other Award
under the Plan.

     If an Option granted hereunder shall expire or terminate for any reason
without having been fully exercised, or if any shares of Common Stock to be
issued pursuant to an Award are not issued for any reason then, the shares of
Common Stock underlying the unexercised portion of such expired or terminated
Option and by the unissued portion of such Award shall again become available
for the purposes of the Plan.

                                       2
<PAGE>

6.   OPTIONS.

     (A)  ALLOTMENT OF SHARES.

          The Board may, in its sole discretion and subject to the provisions of
     the Plan, grant to Participants, at such times as it deems appropriate
     following adoption of the Plan by the Board, Options to purchase Common
     Stock, subject to the approval of the Plan by the Company's stockholders.
     Furthermore, grants intended to be Incentive Stock Options are subject to
     the limitations set forth in paragraph (F) of this Section 6.

          Options may be allotted to Participants in such amounts as the Board,
     in its sole discretion, may from time to time determine. Notwithstanding
     the foregoing, only Participants who qualify to receive Incentive Stock
     Options under the applicable provisions of the Code shall be eligible to be
     granted an Incentive Stock Option pursuant to the Plan. All Participants
     shall be eligible to be granted any other form of Award available under the
     Plan.

     (B) EXERCISE PRICE.

          The price per share at which each Nonstatutory Stock Option granted
     under the Plan may be exercised, as to any particular Nonstatutory Stock
     Option, shall be determined by the Board at the time such Nonstatutory
     Stock Option is granted. The exercise price for any share of Common Stock
     underlying any Option that is intended to qualify as an Incentive Stock
     Option within the meaning of Section 422 of the Code shall be not less than
     one hundred percent (100%) of the fair market value of one share of Common
     Stock at the time such Option is granted. In the case of a Participant who
     owns shares representing more than ten percent (10%) of the total combined
     voting power of all classes of capital stock of the Company or of its
     affiliates (as determined under Section 424(d) of the Code) at the time the
     Incentive Stock Option is granted, such exercise price shall not be less
     than one hundred ten percent (110%) of the fair market value of one share
     of Common Stock at the time such Option is granted.

          If the Common Stock is listed on a national securities exchange, the
     high and low selling prices thereof are reported on Nasdaq, or the bid and
     asked closing prices thereof are quoted on the OTC Bulletin Board at the
     time an Option is granted, then the fair market value of one share of
     Common Stock shall be the average of the highest and lowest selling prices
     of the Common Stock as reported by such exchange, as reported on Nasdaq, or
     as quoted on the OTC Bulletin Board on the date such Option is granted or,
     if there were no sales of Common Stock on said date, then on the next prior
     business day on which there were sales of Common Stock. If the Common Stock
     is traded other than on a national securities exchange, the high and low
     selling prices thereof are not reported on Nasdaq, or the bid and asked
     prices thereof are not quoted on the OTC Bulletin Board at the time an
     Option is granted, then the fair market value of one share of Common Stock
     shall be the determined using such method on the next prior business day on
     which such trading or quoting occurred. If no such trading or quoting is
     available, then the Board shall make a good faith determination of the

                                       3
<PAGE>

     fair market value of one share of Common Stock using any reasonable method
     of valuation. Unless another date is specified by the Board, the date on
     which the Board approves the granting of an Option shall be deemed the date
     on which the Option is granted.

     (C) OPTION PERIOD. An Option granted under the Plan shall terminate, and
     the right of the Participant (or the Participant's estate, personal
     representative, or beneficiary) to exercise the Option shall expire, on the
     date determined by the Board at the time the Option is granted (the
     "Expiration Date"). No Incentive Stock Option shall be exercisable more
     than ten (10) years after the date on which it was granted, and no
     Nonstatutory Stock Option shall be exercisable more than ten (10) years and
     one (1) day after the date on which it was granted. In the case of a
     Participant who owns shares representing more than ten percent (10%) of the
     total combined voting power of all classes of capital stock of the Company
     or of its affiliates (as determined under Section 424(d) of the Code), no
     Incentive Stock Option shall be exercisable more than five (5) years after
     the date on which it is granted.

     (D)  VESTING SCHEDULE; TERMINATION. An Option granted under the Plan
     shall be considered terminated in whole or in part, to the extent that, in
     accordance with the provisions of the Plan, it can no longer be exercised
     for the Common Stock originally subject to the Option.

          (1)  VESTING SCHEDULE. All Options granted hereunder shall be
          subject to an eighteen-month vesting schedule whereby one-third (1/3)
          of such Option shall be vested immediately upon grant, one third (1/3)
          shall vest at nine months after grant, and one-third (1/3) shall vest
          at eighteen months after grant, unless otherwise provided herein,
          shall be then exercisable; PROVIDED, HOWEVER, that any such vesting
          requirement of any outstanding Option granted hereunder shall be fully
          accelerated in the event of a Sale, as that term is defined
          hereinafter, so long as such acceleration would not result in a
          "modification" (as defined in Section 424(h)(3) of the Code) of any
          Incentive Stock Option. Notwithstanding the immediately preceding
          vesting schedule, the Board in its sole discretion may modify, in any
          manner and to any extent it deems appropriate, or waive any or all of
          such vesting requirements.

          (2) TERMINATION FOR ANY REASON EXCEPT CAUSE, DEATH, OR DISABILITY. If
          the Participant (who is an employee or non-employee advisor,
          consultant, or director) terminates his relationship as an employee or
          non-employee advisor, consultant, or director or is terminated for any
          reason, except cause, death, or permanent and total disability, the
          Option, to the extent (and only to the extent) that it would have been
          exercisable by the Participant on the date of termination, may be
          exercised by the Participant no later than three (3) months after the
          date of termination, but in any event no later than the Expiration
          Date.

          (3)  TERMINATION FOR CAUSE. If the Participant (who is an
          employee or non-employee advisor, consultant, or director) is
          terminated for cause, the Option, to the

                                       4
<PAGE>

          extent (and only to the extent) that it would have been exercisable by
          the Participant on the date of termination, may be exercised by the
          Participant no later than fifteen (15) days after the date of
          termination, but in any event no later than the Expiration Date.

          (4)  TERMINATION BECAUSE OF DEATH OR DISABILITY. If the
          Participant (who is an employee or non-employee advisor, consultant,
          or director) is terminated because of death or permanent and total
          disability of the Participant, the Option, to the extent that it is
          exercisable by the Participant on the date of termination, may be
          exercised by the Participant (or the Participant's legal
          representative) no later than one (1) year after the date of
          termination, but in any event no later than the Expiration Date.

     (E)  MANNER OF EXERCISE AND PAYMENT.

          (1)  EXERCISE.

               Each Option granted under the Plan shall be deemed exercised to
          the extent that the Participant shall deliver to the Company written
          notice of the number of full shares of Common Stock underlying the
          whole or that portion of the Option then being exercised. The
          Participant shall at the same time tender to the Company payment in
          full for such shares, which payment may be in cash or, subject to
          Section 6(E)(2), in previously issued shares of Common Stock of the
          same class for which the Option is being exercised or partly in cash
          and partly in previously issued shares of Common Stock of such same
          class, and shall comply with such other reasonable requirements as the
          Board may establish, pursuant to Section 8(C). These provisions shall
          not preclude exercise of an Option, or payment of the exercise price
          thereunder, by any other proper legal method specifically approved by
          the Board.

               Subject to Colorado law, no person, estate, or other entity shall
          have any of the rights of a stockholder with reference to shares
          subject to an Option until a certificate representing the shares of
          Common Stock has been delivered.

               An Option granted under the Plan may be exercised for any lesser
          number of whole shares than the full amount for which it could then be
          exercised; PROVIDED, HOWEVER, that the Board may require, in the
          agreement evidencing an Option, any partial exercise to be with
          respect to a specified minimum number of shares of Common Stock. Such
          a partial exercise of an Option shall not affect the right to exercise
          the Option from time to time in accordance with the Plan for the
          remaining shares of Common Stock underlying the Option.

          (2)  PAYMENT IN SHARES OF COMMON STOCK.

               The value of shares of Common Stock delivered for payment of the
          exercise price of an Option shall be the fair market value of the
          Common Stock determined as provided in Section 6(B) on the date the
          Option is exercised. If certificates representing shares of Common

                                       5
<PAGE>

          Stock are used to pay all or part of the exercise price of an Option,
          separate certificates shall be delivered to the Company representing
          the number of shares of Common Stock so used, and an additional
          certificate or certificates shall be delivered to the Participant
          representing the additional shares of Common Stock to which the
          Participant is entitled as a result of exercise of the Option.
          Notwithstanding the foregoing and the provisions of Section 6(E)(1),
          the Board, in its sole discretion, may refuse to accept shares of
          Common Stock delivered for payment of the exercise price, in which
          event any certificates representing such shares of Common Stock that
          were actually received by the Company with the written notice of
          exercise shall be returned to the exercising Participant, together
          with notice by the Company of the refusal of the Company to accept
          such shares of Common Stock as partial or full payment of the exercise
          price.

               In the event shares are delivered for payment of the exercise
          price of such Option as herein provided, then, at the discretion of
          the Board, the Participant may be granted an Option to purchase that
          quantity and class of Common Stock equal to the quantity and class of
          Common Stock delivered in partial or full payment of the exercise
          price, with an exercise price equal to the current fair market value
          of such Common Stock, and with a term of such Option extending to the
          expiration date of the Option for which partial or full payment of the
          exercise price thereof was accomplished by delivery of previously
          issued shares of Common Stock.

          (3)  LOANS. The Company may make loans to Participants or their
          respective lawful successors as the Board, in its sole discretion, may
          determine (including a grantee who is a director or officer of the
          Company) in connection with the exercise of Options granted under the
          Plan; PROVIDED, HOWEVER, that the Board shall not authorize the making
          of any loan where the possession of such discretion or the making of
          such loan would result in a "modification" (as defined in Section
          424(h)(3) of the Code) of any Incentive Stock Option. Such loans shall
          be subject to the following terms and conditions and such other terms
          and conditions as the Board shall determine at the time the loan is
          made as are not inconsistent with the Plan. Such loans shall bear
          interest at such rates as the Board shall determine from time to time,
          which rates may be below then current market rates (except in the case
          of Incentive Stock Options). In no event may any such loan exceed the
          fair market value, at the date of exercise, of the shares of Common
          Stock underlying the Option, or portion thereof, exercised by the
          Participant. No loan shall have an initial term exceeding one (1)
          year, but any such loan may be renewable at the discretion of the
          Board. At the time a loan is made, Common Stock of the same class for
          which the Option is being exercised having a fair market value at
          least equal to the principal amount of the loan shall be pledged by
          the Participant to the Company as security for payment of the unpaid
          balance of the loan. Every loan shall comply with all applicable laws,
          regulations, and rules of the Board of Governors of the Federal
          Reserve System and any other governmental agency having jurisdiction.

                                       6
<PAGE>

          (4)  PERSONS SUBJECT TO SECTION 16 OF THE EXCHANGE ACT.
          Participants who are subject to Section 16 of the Exchange Act are
          hereby advised that reliance on Rule 16b-3 may require that any equity
          security of the Company acquired upon exercise of an Option by such
          person be held at least until the date six months after the date of
          grant of the Option.

     (F) LIMITATIONS ON EXERCISE. In the case of Options intended to be
     Incentive Stock Options, the aggregate fair market value, determined as of
     the date of grant, of the shares of Common Stock underlying such Options
     that are exercisable for the first time by a Participant shall be limited
     to $100,000 per calendar year.

     (G) WRITTEN STOCK OPTION AGREEMENT. Each Option shall be evidenced by a
     written stock option agreement in a form approved by the Board. Each stock
     option agreement shall be executed by the Company and by the Participant
     receiving the Option.

7.   RESTRICTED COMMON STOCK.

     (A)  GRANTING OF RESTRICTED COMMON STOCK. The Board may, in its sole
     discretion and subject to the provisions of the Plan, grant to Participants
     at such times as it deems appropriate following adoption of the Plan by the
     Board, the right to purchase shares of Restricted Common Stock, subject to
     approval of the Plan by the Company's stockholders.

     (B)  PRICE OF RESTRICTED COMMON STOCK. The price per share at which
     Restricted Common Stock may be purchased by a Participant under the Plan
     shall be determined by the Board at the time such Restricted Common Stock
     is purchased. The purchase price per share of Restricted Common Stock as to
     any particular Restricted Common Stock grant shall also be known as the
     "Initial Price Per Share."

     (C)  TERMS OF RESTRICTED COMMON STOCK.

          Unless otherwise established by the Board, all restrictions applicable
     to the Restricted Common Stock shall lapse as follows: All Restricted
     Common Stock granted hereunder shall be subject to an eighteen-month
     schedule whereby restrictions in respect of one-third (1/3) of such
     Restricted Common Stock shall lapse immediately upon grant, an additional
     one third (1/3) shall lapse nine months after grant, and an additional
     one-third (1/3) shall lapse eighteen months after grant. Each grant of
     Restricted Common Stock may have a different Restricted Period. The Board
     may in its sole discretion, at the time of the grant of Restricted Common
     Stock is made, prescribe conditions for the incremental lapse of
     restrictions during the Restricted Period and for the lapse or termination
     of restrictions upon the satisfaction of other conditions with respect to
     all or any portion of the Restricted Common Stock. The Board may also, in
     its sole discretion, at any time shorten or terminate the Restricted Period
     or waive any conditions for the lapse or termination of restrictions with
     respect to all or any portion of the shares of Restricted Common Stock.

                                       7
<PAGE>

          Unless another date is specified, the date on which the Board approves
     the grant of Restricted Common Stock shall be deemed the date on which the
     Restricted Common Stock is granted.

          In order for Participant to exercise his right to purchase shares of
     Restricted Common Stock under a grant (unless that payment date is further
     extended by the Board), within thirty (30) days after the date of grant,
     such Participant shall execute, retroactive to the date of such grant, an
     agreement reflecting the number of shares the Participant is purchasing and
     the conditions imposed upon the purchase of such shares as determined by
     the Board.

          As payment for the purchase price of the Restricted Common Stock, the
     Participant may tender to the Company payment in cash, past or future
     services (valued at their fair market value on the date the Restricted
     Common Stock is granted by the Board at its sole discretion), in previously
     issued shares of Common Stock (taken at their fair market value on the date
     the Restricted Common Stock is granted determined as provided in Section
     6(B)) or in any combination thereof and shall comply with such other
     reasonable requirements as the Board may establish, pursuant to this
     Section 8(C). These provisions shall not preclude payment of the purchase
     price of Restricted Common Stock by any other proper legal method
     specifically approved by the Board. Notwithstanding the foregoing, the
     Board, in its sole discretion, may refuse to accept shares of Common Stock
     in payment of the purchase price, in which event any certificates
     representing such shares of Common Stock that were actually received by the
     Company as attempted payment for the Restricted Common Stock shall be
     returned to the Participant, together with notice by the Company of the
     refusal of the Company to accept such shares of Common Stock as partial or
     full payment for the Restricted Common Stock.

          A stock certificate representing the number of shares of Restricted
     Common Stock granted to and purchased by a Participant shall be registered
     in the Participant's name but shall be held in custody by the Company for
     the Participant's account. The Participant shall have the rights and
     privileges of a stockholder as to such shares of Restricted Common Stock,
     including the right to vote such shares (in the case of voting Restricted
     Common Stock), except that (i) the Participant shall not be entitled to
     delivery of such certificate until the expiration or termination of the
     Restricted Period and the satisfaction of any other conditions prescribed
     by the Board, (ii) none of the shares may be sold, transferred, assigned,
     pledged, or otherwise encumbered or disposed of during the Restricted
     Period and until the satisfaction of any other conditions prescribed by the
     Board, and (iii) subject to the provisions contained in Section 8(D), all
     of the Restricted Common Stock, at the sole option of the Company (to be
     exercised in writing, if at all, within thirty (30) days of the occurrence
     of an employment or non-employee event, as set forth herein below), shall
     be forfeited and all rights of the Participant to such Restricted Common
     Stock shall terminate without further obligation on the part of the Company
     (except for the obligation of the Company to purchase the Restricted Common
     Stock from the Participant at the Initial Price Per Share) in the event the
     Participant has not remained in the continuous employment of the Company or
     its affiliates or in continuous service as a non-employee advisor,
     consultant, or director until the expiration or termination of the
     Restricted Period and the satisfaction of any other conditions prescribed
     by the Board applicable to such Restricted Common Stock. The Board shall
     decide in each case to what extent leaves of

                                       8
<PAGE>

     absence for government or military service, illness, temporary disability
     or other reasons shall not, for this purpose, be deemed interruption of
     continuous employment or service as a non-employee advisor, consultant, or
     director.

          At the discretion of the Board, cash and stock dividends may be either
     currently paid or withheld by the Company for the Participant's account,
     and interest may be paid on the amount of cash dividends withheld at a rate
     and subject to such terms as determined by the Board.

          Each certificate evidencing shares of Restricted Common Stock shall be
     inscribed with a legend substantially as follows:

          "The shares of common stock of Pacific CMA, Inc., evidenced by this
          certificate, are subject to the terms and restrictions of Pacific CMA,
          Inc.'s 2000 Stock Plan. Such shares are subject to forfeiture or
          cancellation under the terms of said Plan and shall not be sold,
          transferred, assigned, pledged, encumbered, or otherwise alienated or
          hypothecated except pursuant to the provisions of said Plan, a copy of
          which is available from Pacific CMA, Inc., upon request."

          Upon the expiration or termination of the Restricted Period and the
     satisfaction of any other conditions prescribed by the Board or at such
     earlier time as provided for herein, the restrictions applicable to the
     shares of Restricted Common Stock shall lapse and a stock certificate for
     the number of shares of Restricted Common Stock with respect to which the
     restrictions have lapsed shall be delivered, free of all such restrictions,
     except any that may be imposed by law, to the Participant or the
     Participant's beneficiary or estate, as the case may be. The Company shall
     not be required to deliver any fractional shares but will pay, in lieu
     thereof, the fair market value (determined in accordance with Section 6(B)
     as of the date the restrictions lapse) of such fractional shares to the
     Participant.

     (D)  TERMINATION OF EMPLOYMENT/SERVICES

          All of the Participant's rights to the shares of Restricted Common
     Stock shall be forfeited, if the Participant (who is an employee or
     non-employee advisor, consultant, or director) is terminated or terminates
     his employment with or service for the Company or its affiliates for any
     reason except for death or permanent and total disability prior to the
     expiration of the restrictions on such shares, and such forfeited shares
     shall be purchased by the Company at the Initial Price Per Share within a
     reasonable time period established by the Board. Any attempt to dispose of
     any such shares in contravention of the foregoing restrictions shall be
     null and void and without effect.

          If a Participant, who has been in the continuous employ or service of
     the Company or its affiliates since the date on which the Restricted Common
     Stock was granted, dies or becomes permanently and totally disabled while
     in such employment or service and prior to

                                       9
<PAGE>

     the lapse of the restrictions on the Restricted Common Stock all such
     restrictions shall lapse and cease to be effective as of the end of the
     month in which the Participant's employment terminates due to death or
     permanent and total disability.

     (E)  PERSONS SUBJECT TO SECTION 16 OF THE EXCHANGE ACT. Participants
     who are subject to Section 16 of the Exchange Act are hereby advised that
     reliance on Rule 16b-3 may require that any equity security of the Company
     acquired upon exercise of Restricted Common Stock by such person be held at
     least until the date six months after the date of grant of the Restricted
     Common Stock.

8.   OTHER PROVISIONS.

     (A)  ADJUSTMENT OF SHARES.

          In the event that the outstanding shares of Common Stock of the
     Company are hereafter increased or decreased or changed into or exchanged
     for a different number or kind of shares or other securities of the Company
     by reason of merger, consolidation, or reorganization in which the Company
     is the surviving corporation or of a recapitalization, stock split,
     combination of shares, reclassification, reincorporation, stock dividend,
     or other change in the corporate structure of the Company, appropriate
     adjustments shall be made by the Board in the aggregate number and kind of
     shares subject to this Plan, and the number and kind of shares and the
     price per share subject to outstanding Incentive Stock Options,
     Nonstatutory Stock Options, and Restricted Common Stock in order to
     preserve, but not to increase, the benefits to the Participant then holding
     such Awards.

          In the event that the Company at any time proposes to sell
     substantially all of its assets, merge into, consolidate with or to enter
     into any other reorganization in which the Company is not the surviving
     corporation, or if the Company is the surviving corporation and the
     ownership of the outstanding capital stock of the Company following the
     transaction changes by 50% or more as a result of such transaction (a
     "Sale"), the Plan and all unexercised Incentive Stock Options or
     Nonstatutory Stock Options granted hereunder and all offers to purchase
     Restricted Common Stock shall terminate, unless provision is made in
     writing in connection with such transaction for (i) the continuance of the
     Plan and for the assumption of Incentive Stock Options and Nonstatutory
     Stock Options theretofore granted, and all outstanding offers to purchase
     Restricted Common Stock, or the substitution for such Incentive Stock
     Options, Nonstatutory Stock Options and offers to purchase Restricted
     Common Stock of new Options covering, and new offers to purchase, shares of
     a successor corporation, with appropriate adjustments as to number and kind
     of shares and prices, in which event the Plan and the Incentive Stock
     Options, Nonstatutory Stock Options and offers to purchase Restricted
     Common Stock theretofore granted or the new Incentive Stock Options,
     Nonstatutory Stock Options, and new offers to purchase Restricted Common
     Stock substituted therefor, shall continue in the manner and under the
     terms so provided or (ii) the substitution for the Plan and all outstanding
     Incentive Stock Options and Nonstatutory Stock Options of a program or plan
     to provide rights to the holders of such Options to receive on exercise of
     such rights, the type and amount of consideration they would have received

                                       10
<PAGE>

     had they exercised all Options prior to such transaction and less the
     aggregate exercise price of such Options (which rights shall vest and be
     generally subject to the terms of such Options in the case of unvested
     Options). If such provision is not made in such transaction, then the Board
     shall cause written notice of the proposed transaction to be given to the
     Participants holding Incentive Stock Options, Nonstatutory Stock Options or
     rights of purchase not less than thirty (30) days prior to the anticipated
     effective date of the proposed transaction, and all Incentive Stock
     Options, Nonstatutory Stock Options, and rights of purchase shall be
     accelerated and, concurrent with the effective date of the proposed
     transaction, such Participants shall have the right to exercise Incentive
     Stock Options, Nonstatutory Stock Options and accept rights of purchase in
     respect to any or all shares then subject thereto. The Board shall have the
     right, with respect to any specific Incentive Stock Option, Nonstatutory
     Stock Option, or rights of purchase granted under the Plan, to provide that
     all Incentive Stock Options, Nonstatutory Stock Options or rights of
     purchase shall be accelerated in any event upon the effective date of the
     proposed transaction.

     (B)  NON-TRANSFERABILITY. No Award granted to a Participant under the
     Plan shall be transferable other than by will or the laws of descent and
     distribution or pursuant to a qualified domestic relations order as defined
     in the Code; provided that transfer pursuant to a qualified domestic
     relations order shall not be permitted with respect to Incentive Stock
     Options or in circumstances where such transfer would cause a lapse of
     restriction for purposes of Section 83 of the Code. Any attempt to
     transfer, assign, pledge, hypothecate, or otherwise dispose of, or to
     subject to execution, attachment, or similar process, any Award other than
     as permitted in the preceding sentence shall give no right to the purported
     transferee.

     (C)  COMPLIANCE WITH LAW AND APPROVAL OF REGULATORY BODIES.

          No Option shall be exercisable and no shares shall be delivered in
     settlement of any Award and no unrestricted Common Stock shall be issued
     for Restricted Common Stock under the Plan except in compliance with all
     applicable Federal and state laws and regulations including, without
     limitation, compliance with the rules of all domestic stock exchanges on
     which the Company's shares may be listed. Any certificate issued to
     evidence shares of Common Stock for which an Award is exercised or with
     respect to which Restricted Common Stock restrictions lapse shall bear such
     legends and statements as the Board deems advisable in order to assure
     compliance with Federal and state laws and regulations. No Award shall be
     exercisable and no Common Stock shall be delivered and no Restricted Common
     Stock shall be issued under the Plan until the Company has obtained consent
     or approval from such regulatory bodies, Federal or state, having
     jurisdiction over such matters as the Board may deem advisable.

          In the case of the exercise of an Award by a person or estate
     acquiring the right to exercise such Award by bequest or inheritance or in
     the case of a person or estate acquiring by bequest or inheritance the
     right to receive Restricted Common Stock because of the lapse

                                       11
<PAGE>

     of the restrictions, the Board may require reasonable evidence as to the
     ownership of the Award and may require such consents and releases of taxing
     authorities as it may deem advisable.

     (D) NO RIGHT TO EMPLOYMENT. Neither the adoption of the Plan nor its
     operation, nor any document describing or referring to the Plan, or any
     part thereof, shall confer upon any Participant under the Plan any right to
     continue in the employ of the Company or a subsidiary or shall in any way
     affect the right and power of the Company or a subsidiary to terminate the
     employment of any Participant under the Plan at any time with or without
     assigning a reason therefor.

     (E)  TAX WITHHOLDING. The Board shall have the right to deduct from
     any settlement of an Award, including without limitation the delivery or
     vesting of Common Stock, made under the Plan any Federal, state, or local
     taxes of any kind required by law to be withheld with respect to such
     payments or to take any such other action as may be necessary in the
     opinion of the Board to satisfy all obligations for payment of such taxes.
     If Common Stock that would otherwise be delivered in settlement of the
     Award is used to satisfy tax withholding, such Common Stock shall be valued
     based on their fair market value determined in accordance with Section 6(B)
     when the tax withholding is required to be made.

     (F)  AMENDMENT AND TERMINATION.

          The Board may at any time suspend, amend, or terminate the Plan, and,
     without limiting the foregoing, the Board shall have the express authority
     to amend the Plan from time to time, with or without approval by the
     stockholders, in the manner and to the extent that the Board believes is
     necessary or appropriate in order to cause the Plan to conform to
     provisions of Rule 16b-3 under the Exchange Act and any other rules under
     Section 16 of the Exchange Act, as any of such rules may be amended,
     supplemented, or superseded from time to time. Except for adjustments made
     in accordance with Section 8(A), the Board may not, without the consent of
     the grantee of the Award, alter or impair any Award previously granted
     under the Plan. No Award may be granted during any suspension of the Plan
     or after termination thereof.

          In addition to Board approval of an amendment, if the amendment would:
     (i) materially increase the benefits accruing to Participants; (ii)
     increase the number of shares of Common Stock deliverable under the Plan
     (other than in accordance with the provisions of Section 8(A)); or (iii)
     materially modify the requirements as to eligibility for participation in
     the Plan, then such amendment shall be approved by the holders of a
     majority of the Company's outstanding capital stock represented and
     entitled to vote at a meeting held for the purpose of approving such
     amendment to the extent required by Rule 16b-3 of the Exchange Act.

                                       12
<PAGE>

     (G)  EFFECTIVE DATE OF THE PLAN. The Plan was adopted by the Board
     and the stockholders holding a majority of the Company's outstanding shares
     entitled to vote thereon on September 1, 2000.

     (H)  DURATION OF THE PLAN. Unless previously terminated by the Board,
     the Plan shall terminate at the close of business on August 31, 2010, and
     no Award shall be granted under it thereafter, but such termination shall
     not affect any Award theretofore granted.

     (I)  USE OF CERTAIN TERMS. The term "affiliates" shall mean the
     Company's parent and subsidiaries. The terms "parent" and "subsidiary"
     shall have the meanings ascribed to them in Section 424 of the Code and
     unless the context otherwise requires, the other terms defined in Section
     421, 422, and 424, inclusive, of the Code and regulations and revenue
     rulings applicable thereto, shall have the meanings attributed to them
     therein. The term "permanent and total disability" shall have the meaning
     ascribed to it in Section 22(e)(3) of the Code.

                                       13

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