Document:

VALUERICH,
      INC.

    

    INCENTIVE
      STOCK OPTION AGREEMENT

    

      
        	
                 

              	
                 

              	 	
                 

              
	
                 

              	
                 

              	No.	
                            
                  

              
	
                Name
                  of Option Holder

              	
                 

              	 	
                 

              
	
                 

              	
                 

              	 	
                 

              
	
                 

              	
                 

              	 	
                                                                     
                   

              
	
                Total
                  Number of Shares Subject to Option

              	
                 

              	
                Date:  

              	
                 

              
	
                 

              	
                 

              	 	
                 

              
	
                 

              	
                 

              	 	
                 

              
	
                $
                                                                            

              	
                 

              	 	
                 

              
	
                Exercise
                  Price Per Share

              	
                 

              	 	
                 

              

      

    

     

    INCENTIVE
      STOCK OPTION granted
      by ValueRich, Inc., a Delaware corporation, (the “Company”) to the above-named
      option holder (the “Optionee”) an employee of the Company or one of its
      subsidiaries, pursuant to the Company’s Incentive Stock Option Plan, as amended
      (the “Plan”), the terms of which are incorporated herein by reference and which,
      in the event of any conflict, shall control over the terms contained
      herein.

    

    1.  Grant
      and Vesting of Option.

    

    Subject
      to the vesting schedule below, the Company hereby grants to the Optionee an
      option to purchase on the terms herein provided a total of the number of shares
      of common stock. $.01 par value, of the Company set forth above, at an exercise
      price per share as set forth above.

    

    This
      option may be exercised only with respect to the portion thereof that is vested
      in the Optionee. The Optionee’s right to exercise this option shall become
      vested in annual increments on the anniversary dates of the granting of this
      option according to the following vesting schedule:

    

    
      	
               

              Anniversary
                Date

            	
              Percentage
                (%) of Option Shares With Respect to 

              Which
                Optionee Has a Vested Right to Exercise

            
	
              1st 

            	
              50%

            
	
              2nd 

            	
              100%

            

    

    

    Vested
      rights shall be calculated only in terms of full years (i.e., from one
      anniversary date to the next) and no partial vesting credit shall be given
      for
      partial years of employment. Notwithstanding the foregoing, the Optionee's
      right
      to exercise this option with respect to one hundred (100%) percent of the shares
      subject to this option shall immediately and automatically vest upon the
      occurrence of a Change in Control, as such term is defined in the
      Plan.

    

    This
      option shall expire and shall not be exercisable after the expiration of three
      years from the date it is granted.

    

    
      
         

      

      
         

        
          

        

      

      
         

      

    

    

    2.  Stock
      to be Delivered.

    

    Stock
      to
      be delivered upon the exercise of this option may constitute an original issue
      of authorized stock or may consist of treasury stock.

    

    3.  Exercise
      of Option.

    

    Each
      election to exercise this option shall be in writing, signed by the Optionee
      or
      by the person authorized to exercise this option under paragraph 9 hereof,
      and
      delivered or mailed to the Treasurer of the Company at its principal office,
      1804 N. Dixie Highway, Suite A, West Palm Beach, FL 33407 accompanied by this
      certificate.

    

    In
      the
      event an option is exercised by the executor or administrator of a deceased
      Optionee, or by the person or person to whom the option has been transferred
      by
      the Optionee's will or the applicable laws of descent and distribution, the
      Company shall be under no obligation to deliver stock thereunder unless and
      until the Company is satisfied that the person or person exercising the option
      is or are the duly appointed executor or administrator of the deceased Optionee
      or the person to whom the option has been transferred by the Optionee's will
      or
      by the applicable laws of descent and distribution.

    

    4.  Payment
      for and Delivery of Stock.

    

    Payment
      in full by a certified or bank check shall be made for all shares of which
      this
      option is exercised at the time of such exercise, and no shares shall be
      delivered until such payment is made.

    

    Alternatively,
      payment may be made by delivering to the Company certificates representing
      shares of outstanding common stock, par value $.01, of the Company together
      with
      stock powers duly executed and with signature guaranteed. In the event payment
      is made in whole or in part by such shares, said shares shall be deemed to
      have
      a per share value equal to the per share market value of the shares then being
      issued, such fair market value to be determined in good faith by the Company's
      Compensation Committee.

    

    The
      Company shall not be obligated to deliver any stock unless and until all
      applicable Federal and state laws and regulations have been complied with,
      nor
      in the event the outstanding common stock is at the time listed upon the Nasdaq
      SmallCap Market or any stock exchange, unless and until the shares to be
      delivered have been listed, or authorized to be added to the list by the Nasdaq
      SmallCap Market or the exchanges where it is listed, nor unless and until all
      legal matters in connection with the issuance and delivery of the shares have
      been approved by counsel for the Company. The Optionee shall have no rights
      as a
      shareholder until the stock is actually delivered to him.

    

    5.  Nontransferablility
      of Option.

    

    This
      option may not be transferred by the Optionee otherwise than by will or the
      laws
      of descent and distribution, and during the Optionee's lifetime this option
      may
      be exercised only by him.

    

    6.  Retirement.

    

    If
      pursuant to the retirement policy of the Company or any subsidiary, the Optionee
      shall be retired in good standing from the employ of the Company or its
      subsidiaries prior to the expiration of an option because of age (including
      early retirement), this option shall terminate on the 90th day after such
      retirement and the Optionee may exercise this option prior to such time but
      only
      to the extent to which he was entitled immediately prior to such retirement.
      Nothing herein shall be construed as extending the exercisability of this option
      to a date more than three years after the date this option is
      granted.

    

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

     

    7.  Disability.

    

    In
      the
      event of termination of employment of the Optionee because of disability, this
      option shall terminate one year after such termination and the Optionee may
      exercise this option prior to such time but only to the extent to which he
      was
      entitled immediately prior to such termination because of disability. Nothing
      herein shall be construed as extending the exercisability of this option to
      a
      date more than three years after the date this option is granted.

    

    8.  Death.

    

    In
      the
      event of the death of the Optionee while employed by the Company or within
      90
      days after his retirement in good standing because of age or disability, this
      option shall be exercisable within one (1) year of his death, provided the
      option does not expire by its terms prior to that date, by the executor,
      administrator or other legal representative of the estate of the deceased
      Optionee or the person or persons to whom the deceased Optionee's rights under
      the option shall pass by will or the laws of descent and distribution but only
      to the extent the deceased Optionee was entitled to exercise this option
      immediately prior to his death. Nothing herein shall be construed as extending
      the exercisability of this option to a date more than three years after the
      date
      this option is granted.

    

    9.  Changes
      in Stock.

     

    In
      the
      event of a stock dividend, split-up, combination of shares, recapitalization,
      merger in which the Company is the surviving corporation or other similar
      capital change, or in the event of a spin-off or other significant distribution
      of stock or property by the Company to its shareholders, the number and kind
      of
      shares of stock of the Company covered by this option, the option price and
      other relevant provisions shall be appropriately adjusted by the Board of
      Directors of the Company whose determination shall be binding on all
      persons.

    

    In
      the
      event of a consolidation or merger in which the Company is not the surviving
      corporation, or in the event of complete liquidation of the Company, this option
      shall thereupon terminate, provided that the Board of Directors shall, at least
      twenty days prior to the effective date of any such consolidation or merger,
      either (a) make this option immediately exercisable, or (b) arrange to have
      the
      surviving corporation grant to the Optionee a replacement option on terms which
      the Board determines to be fair and reasonable.

    

    10.  Continuance
      of Employment.

    

    This
      option shall not be deemed to obligate the Company or any subsidiary to retain
      the Optionee in its employ for any period.

    

    11.  Provisions
      of the Plan and Section 422A of the Internal Revenue
      Code.

    

    This
      certificate incorporates by reference the terms of the Plan and of Section
      422A
      of the Internal Revenue Code of 1986, as amended, and is subject to the
      provisions thereof. The Plan and the options granted pursuant to this
      certificate are intended to comply with Section 422A of the Internal Revenue
      Code of 1986, as amended and all of the regulations issued pursuant thereto.
      This certificate shall be construed in accordance with the Plan, said Section
      422A and the regulations issued thereunder and any provision of this certificate
      held to be inconsistent therewith shall be severable and of no force or
      effect.

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

       

    

    IN
      WITNESS WHEREOF, ValueRich,
      Inc., has caused this certificate to be executed by a duly authorized Member
      of
      the Compensation Committee. This option is granted at the Company's principal
      executive office, 1804 N. Dixie Highway, Suite A, West Palm Beach, FL 33407,
      on
      the date stated above.

    
      	 	 	 
	 	 
	 
 	 
 	 
 
	 	By:  	 
	 	
              
Joseph
              Visconti, Chairman of the Board
	 	 

    

    
      
         

      

      
        4

        
          

        

      

      
         

      

    

     

    RECORD
      OF PARTIAL EXERCISE

    

    Please
      do
      not write in these spaces. Entries will be made by the Company upon partial
      exercise.

    

    
      	
               NUMBER
                OF SHARES
PURCHASED
                UNDER OPTION

            	 	 

              DATE
                OF EXERCISE

            	 	 

              OFFICIAL
                SIGNATURE

            
	
              

              

               

               

               

               

               

               

               

               

               

               

            	 	
               

               

            	 	
               

               

            

    

    

    
      
         

      

      
        5Exhibit
      4.04

    

    VALUERICH,
      INC.

    

    NON-QUALIFIED
      STOCK OPTION AGREEMENT

    

    
      	   	 	No. 	 
	Name of Option Holder 	 	 	 
	 	 	 	 
	          
              	 	 	 
	Total
              Number of Shares Subject to Option 	 	Date 	 
	 	 	 	 
	$	 	 	 
	Exercise Price Per Share	 	 	 

    

     

    NON-QUALIFIED
      STOCK OPTION granted
      by ValueRich, Inc., a Delaware corporation, (the "Company") to the above-named
      option holder (the "Optionee") an employee of the Company or one of its
      subsidiaries, pursuant to the Company=s
      Incentive Stock Option Plan (the "Plan"), the terms of which are incorporated
      herein by reference and which, in the event of any conflict, shall control
      over
      the terms contained herein.

    

    1.  Grant
      and Vesting of Option.

    

    Subject
      to the vesting schedule below, the Company hereby grants to the Optionee an
      option to purchase on the terms herein provided a total of the number of shares
      of common stock. $.01 par value, of the Company set forth above, at an exercise
      price per share as set forth above.

    

    This
      option may be exercised only with respect to the portion thereof that is vested
      in the Optionee. The Optionee=s
      right
      to exercise this option shall become vested in annual increments on the
      anniversary dates of the granting of this option according to the following
      vesting schedule:

    

    
      	
              Anniversary
                Date

            	 	
              Percentage
                (%) of Option 

              Shares
                With Respect to Which 

              Optionee
                Has a Vested Right to 

              Exercise

            
	
              1st

            	 	
              50%

            
	
              2nd

            	 	
              100%

            

    

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    Vested
      rights shall be calculated only in terms of full years (i.e., from one
      anniversary date to the next) and no partial vesting credit shall be given
      for
      partial years of employment. Notwithstanding the foregoing, the Optionee's
      right
      to exercise this option with respect to one hundred (100%) percent of the shares
      subject to this option shall immediately and automatically vest upon the
      occurrence of a Change in Control, as such term is defined in the
      Plan.

    This
      option shall expire and shall not be exercisable after the expiration of ten
      (10) years from the date it is granted.

    

    2.  Stock
      to be Delivered.

    

    Stock
      to
      be delivered upon the exercise of this option may constitute an original issue
      of authorized stock or may consist of treasury stock.

    

    3.  Exercise
      of Option.

    

    Each
      election to exercise this option shall be in writing, signed by the Optionee
      or
      by the person authorized to exercise this option under paragraph 9 hereof,
      and
      delivered or mailed to the Treasurer of the Company at its principal office,
      1804 N. Dixie Highway, Suite A, West Palm Beach, Florida 33407, accompanied
      by
      this certificate.

    

    In
      the
      event an option is exercised by the executor or administrator of a deceased
      Optionee, or by the person or person to whom the option has been transferred
      by
      the Optionee's will or the applicable laws of descent and distribution, the
      Company shall be under no obligation to deliver stock thereunder unless and
      until the Company is satisfied that the person or person exercising the option
      is or are the duly appointed executor or administrator of the deceased Optionee
      or the person to whom the option has been transferred by the Optionee's will
      or
      by the applicable laws of descent and distribution.

    

    4.  Payment
      for and Delivery of Stock.

    

    Payment
      in full by a certified or bank check shall be made for all shares of which
      this
      option is exercise at the time of such exercise, and no shares shall be
      delivered until such payment is made.

    

    Alternatively,
      payment may be made by delivering to the Company certificates representing
      shares of outstanding common stock, par value $.01, of the Company together
      with
      stock powers duly executed and with signature guaranteed. In the event payment
      is made in whole or in part by such shares, said shares shall be deemed to
      have
      a per share value equal to the per share market value of the shares then being
      issued, such fair market value to be determined in good faith by the Company's
      Compensation Committee.

    

    The
      Company shall not be obligated to deliver any stock unless and until all
      applicable Federal and state laws and regulations have been complied with,
      nor
      in the event the outstanding common stock is at the time listed upon the
      American Stock Exchange or any stock exchange, unless and until the shares
      to be
      delivered have been listed, or authorized to be added to the list by the
      American Stock Exchange or the exchanges where it is listed, nor unless and
      until all legal matters in connection with the issuance and delivery of the
      shares have been approved by counsel for the Company. The Optionee shall have
      no
      rights as a shareholder until the stock is actually delivered to
      him.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    5.  Nontransferablility
      of Option.

    

    This
      option may not be transferred by the Optionee otherwise than by will or the
      laws
      of descent and distribution, and during the Optionee's lifetime this option
      may
      be exercised only by him.

    

    6.  Retirement.

    If
      pursuant to the retirement policy of the Company or any subsidiary, the Optionee
      shall be retired in good standing from the employ of the Company or its
      subsidiaries prior to the expiration of an option because of age (including
      early retirement), this option shall terminate on the 90th day after such
      retirement and the Optionee may exercise this option prior to such time but
      only
      to the extent to which he was entitled immediately prior to such retirement.
      Nothing herein shall be construed as extending the exercisability of this option
      to a date more than ten (10) years after the date this option is
      granted.

    

    7.  Disability.

    

    In
      the
      event of termination of employment of the Optionee because of disability, this
      option shall terminate one year after such termination and the Optionee may
      exercise this option prior to such time but only to the extent to which he
      was
      entitled immediately prior to such termination because of disability. Nothing
      herein shall be construed as extending the exercisability of this option to
      a
      date more than ten (10) years after the date this option is
      granted.

    

    8.  Death.

    

    In
      the
      event of the death of the Optionee while employed by the Company or within
      90
      days after his retirement in good standing because of age or disability, this
      option shall be exercisable within one (1) year of his death, provided the
      option does not expire by its terms prior to that date, by the executor,
      administrator or other legal representative of the estate of the deceased
      Optionee or the person or persons to whom the deceased Optionee's rights under
      the option shall pass by will or the laws of descent and distribution but only
      to the extent the deceased Optionee was entitled to exercise this option
      immediately prior to his death. Nothing herein shall be construed as extending
      the exercisability of this option to a date more than ten (10) years after
      the
      date this option is granted.

    

    9.  Changes
      in Stock.

    

    In
      the
      event of a stock dividend, split-up, combination of shares, recapitalization,
      merger in which the Company is the surviving corporation or other similar
      capital change, or in the event of a spin-off or other significant distribution
      of stock or property by the Company to its shareholders, the number and kind
      of
      shares of stock of the Company covered by this option, the option price and
      other relevant provisions shall be appropriately adjusted by the Board of
      Directors of the Company whose determination shall be binding on all
      persons.

     

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

    

    In
      the
      event of a consolidation or merger in which the Company is not the surviving
      corporation, or in the event of complete liquidation of the Company, this option
      shall thereupon terminate, provided that the Board of Directors shall, at least
      twenty days prior to the effective date of any such consolidation or merger,
      either (a) make this option immediately exercisable, or (b) arrange to have
      the
      surviving corporation grant to the Optionee a replacement option on terms which
      the Board determines to be fair and reasonable.

    

    10.  Continuance
      of Employment.

    

    This
      option shall not be deemed to obligate the Company or any subsidiary to retain
      the Optionee in its employ for any period.

    

    11.  Provisions
      of the Plan and Section 422A of the Internal Revenue Code.

    This
      certificate incorporates by reference the terms of the Plan and of Section
      422A
      of the Internal Revenue Code of 1986, as amended, and is subject to the
      provisions thereof. The Plan and the options granted pursuant to this
      certificate are intended to comply with Section 422A of the Internal Revenue
      Code of 1986, as amended and all of the regulations issued pursuant thereto.
      This certificate shall be construed in accordance with the Plan, said Section
      422A and the regulations issued thereunder and any provision of this certificate
      held to be inconsistent therewith shall be severable and of no force or
      effect.

    

    IN
      WITNESS WHEREOF, ValueRich,
      Inc., has caused this certificate to be executed by a duly authorized Member
      of
      the Compensation Committee. This option is granted at the Company's principal
      executive office,1804 N. Dixie Highway, Suite A, West Palm Beach, Florida 33407,
      on the date stated above.

     

    
      	 	 	 
	 
 	 
 	 
 
	
            	By:  	 
	 	
              
Joseph
              Visconti, Chairman of the Board

    
      
        
        

      

      
        
        

        
          

        

      

      
        
        

      

    

     

    RECORD
      OF PARTIAL EXERCISE

    

    Please
      do
      not write in these spaces. Entries will be made by the Company upon partial
      exercise.

     

     

    
      	
              NUMBER
                OF SHARES

              PURCHASED
                UNDER OPTION

            	 	
              DATE
                OF 

              EXERCISE

            	 	
              OFFICIAL
                SIGNATURE

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