Document:

EXHIBIT 10.1(q)

Eyecity.com, Inc., 79 Express Street, Plainview, NY  11803
Phone:  516-822-5000   Fax:  516-822-5520

                                                               December 29, 1999

James J. Armenakis
65 Bleecker Street
New York, NY  10012

                           FINDERS AGREEMENT AMENDMENT

Dear Jim:

This will constitute and confirm our amendment to the Finders Agreement dated
March 16, 1999 for James J. Armenakis (the "Armenakis") to act as a finder for
Eyecity.com, Inc. (the "Company"), in accordance with the terms, provisions and
conditions of the Finders Agreement.

1.    Section 2 Compensation, shall be amended to have the following sentence
      added thereto:

      Armenakis shall have the right to have the compensation due under this
      Finders Agreement payable in cash and Company stock options as follows:
      ten (10%) percent of the funds invested on an equity basis payable in
      cash, and the stock options issued in accordance with this Section 2
      reduced by fifty (50%) percent. This payment would be in lieu of all the
      compensation payable in Company stock options.

2.    All other terms and conditions of the Finders Agreement remain in full
      force and effect.

If the foregoing is in accordance with your understanding, will you kindly
signify same by signing this Finders Agreement Amendment in the space provided
below.

                                          Sincerely,
Agreed and Accepted                       EYECITY.COM, INC.
as of the above date

James J. Armenakis                        Mark H. Levin
                                          PresidentExhibit 10.2

                                 NONSTANDARDIZED

                               ADOPTION AGREEMENT

                    PROTOTYPE CASH OR DEFERRED PROFIT-SHARING

                        PLAN AND TRUST/CUSTODIAL ACCOUNT

                                  Sponsored by

                      MANUFACTURERS & TRADERS TRUST COMPANY

       The Employer named below hereby establishes a Cash or Deferred
       Profit-Sharing Plan for eligible Employees as provided in this Adoption
       Agreement and the accompanying Basic Prototype Plan and Trust/Custodial
       Account Basic Plan Document #04.

      1.    EMPLOYER INFORMATION

            NOTE: lf multiple Employers are adopting the Plan, complete this
                  section based on the lead Employer. Additional Employers may
                  adopt this Plan by attaching executed signature pages to the
                  back of the Employer's Adoption Agreement.

             (a)  NAME AND ADDRESS:

                  RESORT FUNDING, INC.
                  TWO CLINTON SQUARE
                  SYRACUSE, NY 13202

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(b)    TELEPHONE NUMBER:315-422-9088

(c)    TAX ID NUMBER:         16-1399129

(d)    FORM OF BUSINESS:
     [ ]    (i)    Sole Proprietor
     [ ]   (ii)    Partnership
     [X]  (iii)    Corporation
     [ ]   (iv)    "S" Corporation (formerly known as Subchapter 5)
     [ ]   (v)         Other:

(e)    NAME(S) OF INDIVIDUAL(S) AUTHORIZED TO ISSUE
       INSTRUCTIONS TO THE TRUSTEE/CUSTODIAN:

      GERALD KLABEN, JAMES PETRIE & RETIREMENT COMMITTEE

<PAGE>

       (f)  NAME OF PLAN:    RESORT FUNDING, INC. PROFIT SHARING & 401(K) PLAN

               (g)THREE DIGIT PLAN NUMBER
                  FOR ANNUAL RETURN/REPORT:     001

2.    EFFECTIVE DATE

(a)  This is a new Plan having an effective date of

(b)  This is an amended Plan.

     The effective date of the original Plan was JANUARY 1, 1997 .
                                                 ----------------

     The effective date of the amended Plan is JANUARY 1, 2000 .
                                               ----------------

(c)   lf different from above, the Effective Date for the Plan's Elective
      Deferral provisions shall be

3.    DEFINITIONS

(a)  "Collective or Commingled Funds" (Applicable to institutional Trustees
     only.) Investment in collective or commingled funds as permitted at
     paragraph 13.3(b) of the Basic Plan Document #04 shall only be made to the
     following specifically named fund(s):

     Funds made available after the execution of this Adoption Agreement will be
     listed on schedules attached to the end of this Adoption Agreement.

(b)  "Compensation" Compensation shall be determined on the basis of the:
     [ ]   (i)    Plan Year.
     [ ]   (ii)   Employer's Taxable Year.

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     [X] (iii) Calendar Year.

       Compensation shall be determined on the basis of the following
       safe-harbor definition of Compensation in IRS Regulation Section
       1.414(s)-l(c):
     [ ]   (iv)    Code Section 6041 and 6051 Compensation,
     [ ]    (v)    Code Section 3401(a) Compensation, or
       [X] (vi) Code Section 415 Compensation.

       Compensation [X] shall [ ] shall not include Employer contributions made
       pursuant to a Salary Savings Agreement which are not includable in the
       gross income of the Employee for the reasons indicated in the definition
       of Compensation at 1.12 of the Basic Plan Document #04.

       For purposes of the Plan, Compensation shall be limited to $ ____, the
       maximum amount which will be considered for Plan purposes. [If an amount
       is specified, it will limit the amount of contributions allowed on behalf
       of higher compensated Employees. Completion of this section is not
       intended to coordinate with the $200,000 of Code Section 415(d) thus the
       amount should be less than $200,000 as adjusted for cost-of-living
       increases.]

       Exclusions From Compensation:

       (1)   overtime.

       (2)   bonuses.

       (3)   commissions.

       (4)

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Type of Contribution(s)
------- --------------
Exclusion(s)
-----------

<PAGE>

      Elective Deferrals [Section 7(b)]                           ________

      Matching Contributions [Section 7(c)]                             ___123__
                                                                        --------

       Qualified Non-Elective Contributions [Section 7(d)]              ___123__
                                                                        --------
       and Non-Elective Contributions [Section 7(e)]

(c)    "Entry Date"
     [             ] (i) The first day of the Plan Year nearest the date on
                   which an Employee meets the eligibility requirements.

<PAGE>

       Compensation shall be determined on the basis of the following
       safe-harbor definition of Compensation in IRS Regulation Section
       1.414(s)-l(c):
     [ ]   (iv)    Code Section 6041 and 6051 Compensation,

     [ ]    (v)    Code Section 3401(a) Compensation, or

       [X] (vi) Code Section 415 Compensation.

       Compensation [X] shall [ ] shall not include Employer contributions made
       pursuant to a Salary Savings Agreement which are not includable in the
       gross income of the Employee for the reasons indicated in the definition
       of Compensation at 1.12 of the Basic Plan Document #04.

       For purposes of the Plan, Compensation shall be limited to $ ____, the
       maximum amount which will be considered for Plan purposes. [If an amount
       is specified, it will limit the amount of contributions allowed on behalf
       of higher compensated Employees. Completion of this section is not
       intended to coordinate with the $200,000 of Code Section 415(d) thus the
       amount should be less than $200,000 as adjusted for cost-of-living
       increases.]

       Exclusions From Compensation:

       (1)  overtime.

       (2)   bonuses.

       (3)   commissions.

       (4)

<PAGE>

Type of Contribution(s)
------- --------------
            Exclusion(s)
            -----------

<PAGE>

      Elective Deferrals [Section 7(b)]                           ___123__
                                                                     ---

      Matching Contributions [Section 7(c)]                             ___123__
                                                                           ---

       Qualified Non-Elective Contributions [Section 7(d)]              ___123__
                                                                           ---
       and Non-Elective Contributions [Section 7(e)]

 (c)   "Entry Date"

     [             ] (i) The first day of the Plan Year nearest the date on
                   which an Employee meets the eligibility requirements.

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      [     ] (ii) The earlier of the first day of the Plan Year or the first
            day of the seventh month of the Plan Year coinciding with or
            following the date on which an Employee meets the eligibility
            requirements.

      [     ] (iii) The first day of the Plan Year following the date on which
            the Employee meets the eligibility requirements. If this election is
            made, the Service requirement at 4(a)(ii) may not exceed 1/2 year
            and the age requirement at 4(b)(ii) may not exceed 20-1/2.

      [     ] (iv) The first day of the month coinciding with or following the
            date on which an Employee meets the eligibility requirements.

            [X]   (v) The first day of the Plan Year, or the first day of the
                  fourth month, or the first day of the seventh month or the
                  first day of the tenth month, of the Plan Year coinciding with
                  or following the date on which an Employee meets the
                  eligibility requirements.

(d)    "Hours of Service" Shall be determined on the basis of the method
       selected below. Only one method may be selected. The method selected
       shall be applied to all Employees covered under the Plan as follows:

                  [X]   (i) On the basis of actual hours for which an Employee
                        is paid or entitled to payment.

                  [     ] (ii) On the basis of days worked. An Employee shall be
                        credited with ten (10) Hours of Service if under
                        paragraph 1.42 of the Basic Plan Document #04 such
                        Employee would be credited with at least one (1) Hour of
                        Service during the day.

                  [     ] (iii) On the basis of weeks worked. An Employee shall
                        be credited with forty-five (45) Hours of Service if
                        under paragraph 1.42 of the Basic Plan Document #04 such
                        Employee would be credited with at least one (1) Hour of
                        Service during the week.

                  [     ] (iv) On the basis of semi-monthly payroll periods. An
                        Employee shall be credited with ninety-five (95) Hours
                        of Service if under paragraph 1.42 of the Basic Plan
                        Document #04 such Employee would be credited with at
                        least one (1) Hour of Service during the semimonthly
                        payroll period.

                  [     ] (v) On the basis of months worked. An Employee shall
                        be credited with one-hundred-ninety (190) Hours of
                        Service if under paragraph 1.42 of the Basic Plan
                        Document #04 such Employee would be credited with at
                        least one (1) Hour of Service during the month.

<PAGE>

(e)   "Limitation Year" The 12-consecutive month period commencing on JANUARY l
      and ending on DECEMBER 31 .

      lf applicable, the Limitation Year will be a short Limitation Year
      commencing on and ending on ______

(f)   "Net Profit" [X] (i) Not applicable (profits will not be required for any
      contributions to the Plan).

     [ ]   (ii)    As defined in paragraph l .49 of the Basic Plan Document #04.
     [ ]  (iii)    Shall be defined as:

                   (Only use if definition in paragraph l .49 of the Basic Plan
                   Document #04 is to be superseded.)

(g)   "Plan Year" The 12-consecutive month period commencing on JANUARY l and
      ending on DECEMBER 31 .

<PAGE>

If applicable, the Plan Year will be a short Plan Year commencing on__________
and ending on ______. Thereafter, the Plan Year shall end on the date last
specified above.

<PAGE>

(h)    "Qualified Early Retirement Age" For purposes of making distributions
       under the provisions of a Qualified Domestic Relations Order, the Plan's
       Qualified Early Retirement Age with regard to the Participant against
       whom the order is entered [ ] shall [X] shall not be the date the order
       is determined to be qualified. lf "shall" is elected, this will only
       allow payout to the alternate payee(s).

(i)    "Qualified Joint and Survivor Annuity" The safe-harbor provisions of
       paragraph 8.7 of the Basic Plan Document #04 [X] are [ ] are not
       applicable. If not applicable, the survivor annuity shall be _____% (50%,
       66-2/3%, 75% or 100%) of the annuity payable during the lives of the
       Participant and Spouse. If no answer is specified, 50% will be used.

(j)    "Taxable Wage Base" [paragraph 1.79]
       [X] (i) Not Applicable - Plan is not integrated with Social Security. [ ]
     (ii) The maximum earnings considered wages for such Plan Year under Code
                   Section 3121(a).

<PAGE>

      [           ] (iii) _____% (not more than 100%) of the amount considered
                  wages for such Plan Year under Code Section 3121(a).
     [ ]     (iv)  $, provided that such amount is not in excess of the amount
                   determined under paragraph 3(j)(ii) above.
     [             ] (v) For the 1989 Plan Year $10,000. For all subsequent Plan
                   Years, 20% of the maximum earnings considered wages for such
                   Plan Year under Code Section 3121(a).

       NOTE:  Using less than the maximum at (ii) may result in a change in the
              allocation
              formula in Section 7.

(k)    "Valuation Date(s)" Allocations to Participant Accounts will be done in
       accordance with Article V of the Basic Plan Document #04:
     (i)     Daily            (v)   Quarterly
    (ii)     Weekly          (vi)   Semi-Annually
   (iii)     Monthly        (vii)   Annually
    (iv)     Bi-Monthly

      Indicate Valuation Date(s) to be used by specifying option from list
      above:

       Type of Contribution(s)                   Valuation Date(s)
       ------- ---------------                   -----------------
       After-Tax Voluntary Contributions [Section 6(b)]          _______
       Elective Deferrals [Section 6(a)]              ____V__
                                                          -
       Matching Contributions [Section 7(c)]          ____V__
                                                          -
       Qualified Non-Elective Contributions [Section 7(d)]       ____V__
                                                                     -
       Non-Elective Contributions [Section 7(e), (f), (g)]       ____V__
                                                                     -
       Minimum Top-Heavy Contributions [Section 7(i)]      ____V__
                                                               -
(I)    "Year of Service"

(i)   For Eligibility Purposes: The 12-consecutive month period during which an
      Employee is credited with 1000 (not more than 1,000) Hours of Service.

<PAGE>

(ii)  For Allocation Accrual Purposes: The 12-consecutive month period during
      which an Employee is credited with 1000 (not more than 1,000) Hours of
      Service.

(iii)For Vesting Purposes: The 12-consecutive month period during which an
      Employee is credited with 1000 (not more than 1,000) Hours of Service.

4.    ELIGIBILITY REQUIREMENTS

       (a)   Service:

            [ ]   (i)    The Plan shall have no service requirement.

[X]   (ii) The Plan shall cover only Employees having completed at least ONE
      [not more than three (3)] Years of Service. If more than one (1) is
      specified, for Plan Years beginning in 1989 and later, the answer will be
      deemed to be one (1).

             NOTE:  If the eligibility period sdected is less than one year, an
                    Employee will not be required to complete any specified
                    number of Hours of Service to receive credit for such
                    period.

       (b)   Age:
            [ ]   (i)    The Plan shall have no minimum age requirement.

      [X]   (ii) The Plan shall cover only Employees having attained age 21 (not
            -- more than age 21).

       (c)   Classification:

             The Plan shall cover all Employees who have met the age and service
             requirements with the following exceptions:
            [ ]   (i)    No exceptions.

      [X]   (ii) The Plan shall exclude Employees included in a unit of
            Employees covered by a collective bargaining agreement between the
            Employer and Employee Representatives, if retirement benefits were
            the subject of good faith bargaining. For this purpose, the term
            "Employee Representative" does not include any organization more
            than half of whose members are Employees who are owners, officers,
            or executives of the Employer.

             [           ] (iii) The Plan shall exclude Employees who are
                         nonresident aliens and who receive no earned income
                         from the Employer which constitutes income from sources
                         within the United States.

      [X] (iv) The Plan shall exclude from participation any nondiscriminatory
      classification of Employees determined as follows:
                         ALL LEASED EMPLOYEES
                         =========================

      (d)   Employees on Effective Date: [x] (i) Not Applicable. All Employees
            will be required to satisfy both the age and Service requirements
            specified above. [ ] (ii) Employees employed on the Plan's Effective
            Date do not have to satisfy the Service requirements specified
            above. [ ] (iii) Employees employed on the Plan's Effective Date do
            not have to satisfy the age requirements specified above.

5.    RETIREMENT AGES

       (a)   Normal Retirement Age:

             lf the Employer imposes a requirement that Employees retire upon
             reaching a specified age, the Normal Retirement Age selected below
             may not exceed the Employer imposed mandatory retirement age.

<PAGE>

[ ] (i)Normal Retirement Age shall be ______ (not to exceed age 65).

<PAGE>

      [X]   (ii) Normal Retirement Age shall be the later of attaining age 65
            (not to exceed age 65) or the _______ (not to exceed the 5th)
            anniversary of the first day of the first Plan Year in which the
            Participant commenced participation in the Plan.

       (b)   Early Retirement Age:
            [ ]   (i)    Not Applicable.
             [X] (ii) The Plan shall have an Early Retirement Age of 55 (not
less than
55) and
                      completion of______ Years of Service.

<PAGE>

            6. EMPLOYEE CONTRIBUTIONS [X] (a) Participants shall be permitted to
            make Elective Deferrals in any amount from l % -- up to 15 % of
            their Compensation.

      lf    (a) is applicable, Participants shall be permitted to amend their
            Salary Savings Agreements to change the contribution percentage as
            provided below: [ ] (i) On the Anniversary Date of the Plan, [ ]
            (ii) On the Anniversary Date of the Plan and on the first day of the
            seventh month of the Plan Year,

      [X]   (iii) On the Anniversary Date of the Plan and on the first day
            following any Valuation Date, or [ ] (iv) Upon 30 days notice to the
            Employer. [ ] (b) Participants shall be permitted to make after tax
            Voluntary Contributions. [ ] (c) Participants shall be required to
            make after tax Voluntary Contributions as follows (Thrift Savings
            Plan): [ ] (i) _____% of Compensation. [ ] (ii) A percentage
            determined by the Employee on his or her enrollment form. [ ] (d) lf
            necessary to pass the Average Deferral Percentage Test, Participants
            [ ] may [ ] may not have Elective Deferrals recharacterized as
            Voluntary Contributions.

             NOTE:  The Average Deferral Percentage Test will apply to
                    contributions under (a) above. The Average Contribution
                    Percentage Test will apply to contributions under (b) and
                    (c) above, and may apply to (a).

7.    EMPLOYER CONTRIBUTIONS AND ALLOCATION THEREOF

       NOTE:  The Employer shall make contributions to the Plan in accordance
              with the formula or formulas selected below. The Employer's
              contribution shall be subject to the limitations contained in
              Articles III and X. For this purpose, a contribution for a Plan
              Year shall be limited for the Limitation Year which ends with or
              within such Plan Year. Also, the integrated allocation formulas
              below are for Plan Years beginning in 1989 and later. The
              Employer's allocation for earlier years shall be as specified in
              its Plan prior to amendment for the Tax Reform Act of 1986.

<PAGE>

     (a)     Profits Requirement:
            (i)    Current or Accumulated Net Profits are required for:
                   [ ]   (A)   Matching Contributions.
                   [ ]   (B)   Qualified Non-Elective Contributions.
                   [X]   (C)   discretionary contributions.
           (ii)    No NetProfits are required for:
                   [X]   (A)   Matching Contributions.
                   [X]   (B)   Qualified Non-Elective Contributions.
                   [ ]   (C)   discretionary contributions.

      NOTE: Elective Deferrals can always be contributed regardless of profits.

[X]  (b)     Salary Savings Agreement:

             The Employer shall contribute and allocate to each Participant's
             account an amount equal to the amount withheld from the
             Compensation of such Participant pursuant to his or her Salary
             Savings Agreement. If applicable, the maximum percentage is
             specified in Section 6 above.

            An Employee who has terminated his or her election under the Salary
            Savings Agreement other than for hardship reasons may not make
            another Elective Deferral: [ ] (i) until the first day of the next
            Plan Year. [X] (ii) until the first day of the next valuation
            period. [ ] (iii) for a period of______ month(s) (not to exceed 12
            months).

<PAGE>

      [X]   (c) Matching Employer Contribution [See paragraphs (h) and (i)]: [ ]
            (i) Percentage Match: The Employer shall contribute and allocate to
            each eligible Participant's account an amount equal to_25__ % of the
            -- amount contributed and allocated in accordance with paragraph
            7(b) above and (if checked) ______% of [ ] the amount of Voluntary
            Contributions made in accordance with paragraph 4.1 of the Basic
            Plan Document #04. The Employer shall not match Participant Elective
            Deferrals as provided above in excess of$_____ or in excess of 6 %
            of the Participant's -- Compensation or if applicable, Voluntary
            Contributions in excess of $______ or in excess of_____% of the
            Participant's Compensation. In no event will the match on both
            Elective Deferrals and Voluntary Contributions exceed a combined
            amount of $_____ or____%. [X] (ii) Discretionary Match: The Employer
            shall contribute and allocate to each eligible Participant's account
            a percentage of the Participant's Elective Deferral contributed and
            allocated in accordance with paragraph 7(b) above. The Employer
            shall set such percentage prior to the end of the Plan Year. The
            Employer shall not match Participant Elective Deferrals in excess of
            $______ or in excess of ______% of the Participant's Compensation.

      [     ] (iii) Tiered Match: The Employer shall contribute and allocate to
            each Participant's account an amount equal to % of the first_____%
            of the Participant's Compensation, to the extent deferred.

      _____ % of the next _____% of the Participant's Compensation, to the
            extent deferred.

      _____ % of the next _____% of the Participant's Compensation, to the
            extent deferred.

<PAGE>

      NOTE: Percentages specified in (iii) above may not increase as the
            percentage of Participant's contribution increases. [ ] (iv) Flat
            Dollar Match: The Employer shall contribute and allocate to each
            Participant's account $______ if the Participant defers at least 1%
            of Compensation. [ ] (v) Percentage of Compensation Match: The
            Employer shall contribute and allocate to each Participant's account
            % of Compensation if the Participant defers at least 1% of
            Compensation. [ ] (vi) Proportionate Compensation Match: The
            Employer shall contribute and allocate to each Participant who
            defers at least 1% of Compensation, an

<PAGE>

             amount determined by multiplying such Employer Matching
             Contribution by a fraction the numerator of which is the
             Participant's Compensation and the denominator of which is the
             Compensation of all Participants eligible to receive such an
             allocation. The Employer shall set such discretionary contribution
             prior to the end of the Plan Year.
[ ]    (vii) Qualified Match: Employer Matching Contributions will be treated as
             Qualified Matching Contributions to the extent specified below:
            [ ]   (A)    All Matching Contributions.
            [ ]   (B)    None.
            [ ]   (C)   _____% of the Employer's Matching Contribution.
            [ ]   (D)    Up to ______% of each Participant's Compensation.
            [ ]   (E)    The amount necessary to meet the [ ] Average Deferral
                         Percentage (ADP) Test, [ ] Average Contribution
                         Percentage (ACP) Test, [ ] Both the ADP and ACP Tests.

      (viii)Matching Contribution Computation Period: The time period upon which
            matching contributions will be based shall be [ ] (A) weekly [X] (B)
            bi-weekly [ ] (C) semi-monthly [ ] (D) monthly [ ] (E) quarterly [ ]
            (F) semi-annually [ ] (G) annually

       (ix)  Eligibility for Match: Employer Matching Contributions, whether or
             not Qualified, will only be made on Employee Contributions not
             withdrawn prior to the end of the [X] valuation period [ ] Plan
             Year.

<PAGE>

      [X]   (d) Qualified Non-Elective Employer Contribution - [See paragraphs
            (h) and (i)] These contributions are fully vested when contributed.

      The   Employer shall have the right to make an additional
            discretionarycontribution which shall be allocated to each eligible
            Employee in proportion to his or her Compensation as a percentage of
            the Compensation of all eligible Employees. This part of the
            Employer's contribution and the allocation thereof shall be
            unrelated to any Employee contributions made hereunder. The amount
            of Qualified non-Elective Contributions taken into account for
            purposes of meeting the ADP or ACP test requirements is: [ ] (i) All
            such Qualified non-Elective Contributions. [X] (ii) The amount
            necessary to meet [ ] the ADP test, [ ] the ACP test, [X] Both the
            ADP and ACP tests.

      Qualified non-Elective Contributions will be made to: [X] (iii) All
            Employees eligible to participate. [ ] (iv) Only non-Highly
            Compensated Employees eligible to participate. [X] (e) Additional
            Employer Contribution Other Than Qualified Non-Elective
            Contributions - Non- Integrated [See paragraphs (h) and (i)]

      The   Employer shall have the right to make an additional discretionary
            contribution which shall be allocated to each eligible Employee in
            proportion to his or her Compensation as a percentage of the
            Compensation of all eligible Employees. This part of the Employer's
            contribution and the allocation thereof shall be unrelated to any
            Employee contributions made hereunder. [ ] (f) Additional Employer
            Contribution - Integrated Allocation Formula [See paragraphs (h) and
            (i)]

             The Employer shall have the right to make an additional
             discretionary contribution. The Employer's contribution for the
             Plan Year plus any forfeitures shall be allocated to the accounts
             of eligible Participants as follows:

             (i)   First, to the extent contributions and forfeitures are
                   sufficient, all Participants will receive an allocation equal
                   to 3% of their Compensation.

             (ii)  Next, any remaining Employer Contributions and forfeitures
                   will be allocated to Participants who have Compensation in
                   excess of the Taxable Wage Base (excess Compensation). Each
                   such Participant will receive an allocation in the ratio that
                   his or her excess compensation bears to the excess
                   Compensation of all Participants.
                   Participants may only receive an allocation of 3% of excess
                   Compensation.

<PAGE>

             (iii) Next, any remaining Employer contributions and forfeitures
                   will be allocated to all Participants in the ratio that their
                   Compensation plus excess Compensation bears to the total
                   Compensation plus excess Compensation of all Participants.
                   Participants may only receive an allocation of up to 2.7% of
                   their Compensation plus excess Compensation, under this
                   allocation method. lf the Taxable Wage Base defined at
                   Section 3(j) is less than or equal to the greater of $10,000
                   or 20% of the maximum, the 2.7% need not be reduced. lf the
                   amount specified is greater than the greater of $10,000 or
                   20% of the maximum Taxable Wage Base, but not more than 80%,
                   2.7% must be reduced to 1.3%. If the amount specified is
                   greater than 80% but less than 100% of the maximum Taxable
                   Wage Base, the 2.7% must be reduced to 2.4%.

             NOTE:  If the Plan is not Top-Heavy or if the Top-Heavy minimum
                    contribution or benefit is provided under another Plan [see
                    Section 1] (c)(ii)] covering the same Employees,
                    sub-paragraphs (i) and (ii) above may be disregarded and
                    5.7%, 4.3% or 5.4% may be substituted for 2.7%, 1.3% or 2.4%
                    where it appears in (iii) above.

      (iv)  Next, any remaining Employer contributions and forfeitures will be
            allocated to all Participants (whether or not they received an
            allocation under the preceding paragraphs) in the ratio that each
            Participant's Compensation bears to all Participants' Compensation.
            [ ] (g) Additional Employer Contribution-Alternative Integrated
            Allocation Formula. [See paragraph (h) and (i)]

             The Employer shall have the right to make an additional
             discretionary contribution. To the extent that such contributions
             are sufficient, they shall be allocated as follows:

             ______% of each eligible Participant's Compensation plus ______% of
             Compensation in excess of the Taxable Wage Base defined at Section
             3(j) hereof. The percentage on excess compensation may not exceed
             the lesser of (i) the amount first specified in this paragraph or
             (ii) the greater of 5.7% or the percentage rate of tax under Code
             Section 3111(a) as in effect on the first day of the Plan Year
             attributable to the Old Age (OA) portion of the OASDI provisions of
             the Social Security Act. If the Employer specifies a Taxable Wage
             Base in Section 3(j) which is lower than the Taxable Wage Base for
             Social Security purposes (SSTWB) in effect as of the first day of
             the Plan Year, the percentage contributed with respect to excess
             Compensation must be adjusted. lf the Plan's Taxable Wage Base is
             greater than the larger of $10,000 or 20% of the SSTWB but not more
             than 80% of the SSTWB, the excess percentage is 4.3%. If the Plan's
             Taxable Wage Base is greater than 80% of the SSTWB but less than
             100% of the SSTWB, the excess percentage is 5.4%.

      NOTE: Only one plan maintained by the Employer may be integrated with
      Social Security.

<PAGE>

       (h)   Allocation of Excess Amounts (Annual Additions)

      In    the event that the allocation formula above results in an Excess
            Amount, such excess shall be: [ ] (i) placed in a suspense account
            accruing no gains or losses for the benefit of the Participant. [X]
            (ii) reallocated as additional Employer contributions to all other
            Participants to the extent that they do not have any Excess Amount.

       (i)   Minimum Employer Contribution Under Top-Heavy Plans:

             For any Plan Year during which the Plan is Top-Heavy, the sum of
             the contributions and forfeitures as allocated to eligible
             Employees under paragraphs 7(d), 7(e), 7(f), 7(g) and 9 of this
             Adoption Agreement shall not be less than the amount required under
             paragraph 14.2 of the Basic Plan document #04. Top-Heavy minimums
             will be allocated to:
            [X]   (i)    all eligible Participants.
            [ ]  (ii)    only eligible non-Key Employees who are Participants.

      (j)   Return of Excess Contributions and/or Excess Aggregate
            Contributions:

             In the event that one or more Highly Compensated Employees is
             subject to both the ADP and ACP tests and the sum of such tests
             exceeds the Aggregate Limit, the limit will be satisfied by
             reducing the:
            [ ]   (i)    the ADP of the affected Highly Compensated Employees.
            [ ]  (ii)    the ACP of the affected Highly Compensated Employees.

             [X]         (iii) a combination of the ADP and ACP of the affected
                         Highly Compensated Employees.

8.    ALLOCATIONS TO TERMINATED EMPLOYEES

      [     ] (a) The Employer will not allocate Employer related contributions
            to Employees who terminate during a Plan Year, unless required to
            satisfy the requirements of Code Section 401(a)(26) and 410(b).
            (These requirements are effective for 1989 and subsequent Plan
            Years.)

<PAGE>

      [X]   (b) The Employer will allocate Employer natching and other related
            contributions as indicated below to Employees who terminate during
            the Plan Year as a result of:

                                      Other
                               [X]  [X]     (i) Retirement.

                               [X] [X] (ii) Disability.

                               [X] [X] (iii)Death.

      [     ] [ ] (iv) Other termination of employment provided that the
            Participant has completed a Year of Service as defined for
            Allocation Accrual Purposes.

      [     ] (v) Other termination of employment even though the Participant
            has not completed a Year of Service.

      [     ] (vi) Termination of employment (for any reason) provided that the
            Participant had completed a Year of Service for Allocation Accrual
            Purposes.

9.    ALLOCATION OF FORFEITURES

      NOTE: Subsections (a), (b) and (c) below apply to forfeitures of amounts
            other than Excess Aggregate Contributions.

             (a)   Allocation Alternatives:

      lf    forfeitures are allocated to Participants, such allocation shall be
            done in the same manner as the Employer's contribution. [ ] (i) Not
            Applicable. All contributions are always fully vested. [ ] (ii)
            Forfeitures shall be allocated to Participants in the same manner as
            the Employer's contribution.

            lf allocation to other Participants is selected, the allocation
            shall be as follows:

                               [1]   Amount attributable to Employer
                                     discretionary contributions and Top-Heavy
                                     minimums will be allocated to:

                                     [ ]  all eligible Participants under Plan.

<PAGE>

      [     ] only those Participants eligible for an allocation of Employer
            contributions in the current year.

      [     ] only those Participants eligible for an allocation of matching
            contributions in the current year.

      [2]   Amounts attributable to Employer Matching contributions will be
            allocated to:

                         [ ] all eligible Participants.

      [     ] only those Participants eligible for allocations of matching
            contributions in the current year.

             [X]         (iii) Forfeitures shall be applied to reduce the
                         Employer's contribution for such Plan Year.
            [           ] (iv) Forfeitures shall be applied to offset
                        administrative expenses of the Plan. If forfeitures
                        exceed these expenses, (iii) above shall apply.

(b)    Date for Reallocation:
NOTE:   If no distribution has been made to a former Participant, sub-section
        (i) below will apply to such Participant even if the Employer elects
        (ii), (iii) or (iv) below as its normal administrative policy.

      [     ] (i) Forfeitures shall be reallocated at the end of the Plan Year
            during which the former Participant incurs his or her fifth
            consecutive one year Break In Service. [ ] (ii) Forfeitures will be
            reallocated immediately (as of the next Valuation Date). [ ]
            (iii)Forfeitures shall be reallocated at the end of the Plan Year
            during which the former Employee incurs his or her ______ (1st, 2nd,
            3rd, or 4th) consecutive one year Break In Service.

       [X] (iv) Forfeitures will be reallocated immediately (as of the Plan Year
end).

(c)    Restoration of Forfeitures:

       lf amounts are forfeited prior to five consecutive 1-year Breaks in
       Service, the Funds for restoration of account balances will be obtained
       from the following resources in the order indicated (fill in the
       appropriate number):

       [1]  Current year's forfeitures

<PAGE>

             [3] (ii)    Additional Employer contribution.

             [2] (iii) Income or gain to the Plan.

      (d)   Forfeitures of Excess Aggregate Contributions shall be: [X] (i)
            Applied to reduce Employer contributions. [ ] (ii) Allocated, after
            all other forfeitures under the Plan, to the Matching Contribution
            account of each non-highly compensated Participant who made Elective
            Deferrals or Voluntary Contributions in the ratio which each such
            Participant's Compensation for the Plan Year bears to the total
            Compensation of all Participants for such Plan Year. Such
            forfeitures cannot be allocated to the account of any Highly
            Compensated Employee.

      Forfeitures of Excess Aggregate Contributions will be so applied at the
            end of the Plan Year in which they occur.

      10.   CASH OPTION [ ] (a) The Employer may permit a Participant to elect
            to defer to the Plan, an amount not to exceed % of any Employer paid
            cash bonus made for such Participant for any year. A Participant
            must file an election to defer such contribution at least fifteen
            (15) days prior to the end of the Plan Year. If the Employee fails
            to make such an election, the entire Employer paid cash bonus to
            which the Participant would be entitled shall be paid as cash and
            not to the Plan. Amounts deferred under this section shall be
            treated for all purposes as Elective Deferrals. Notwithstanding the
            above, the election to defer must be made before the bonus is made
            available to the Participant. [X] (b) Not Applicable.

      11.   LIMITATIONS ON ALLOCATIONS

       [X]   This is the only Plan the Employer maintains or ever maintained,
             therefore, this section is not applicable.

       [     ] The Employer does maintain or has maintained another Plan
             (including a Welfare Benefit Fund or an individual medical account
             (as defined in Code Section 41 5(l)(2)), under which amounts are
             treated as Annual Additions) and has completed the proper sections
             below.

             Complete (a), (b) and (c) only if tIne Employer maintains or ever
             maintained another qualified plan, including a Welfare Benefit Fund
             or an individual medical account [as

<PAGE>

             defined in Code Section 415(l)(2)] in which any Participant in this
             Plan is (or was) a participant or could possibly become a
             participant.

       (a)   lf the Participant is covered under another qualified Defined
             Contribution Plan maintained by the Employer, other than a Master
             or Prototype Plan: [X] (i) the provisions of Article X of the Basic
             Plan Document #04 will
apply, as
             if the other plan were a Master or Prototype Plan.

             [ ] (ii) Attach provisions stating the method under which the plans
             will limit total Annual Additions to the Maximum Permissible
             Amount, and will properly reduce any Excess Amounts, in a manner
             that precludes Employer discretion.

      (b)   lf a Participant is or ever has been a participant in a Defined
            Benefit Plan maintained by the Employer:

             Attach provisions which will satisfy the 1.0 limitation of Code
             Section 415(e). Such language must preclude Employer discretion.
             The Employer must also specify the interest and mortality
             assumptions used in determining Present Value in the Defined
             Benefit Plan.

       (c)   The minimum contribution or benefit required under Code Section 416
             relating to Top-Heavy Plans shall be satisfied by:
            [X]   (i)    this Plan.
            [ ]  (ii)    __________________
                         (Name of other qualified plan of the Employer).

             [           ] (iii) Attach provisions stating the method under
                         which the minimum contribution and benefit provisions
                         of Code Section 416 will be satisfied. If a Defined
                         Benefit Plan is or was maintained, an attachment must
                         be provided showing interest and mortality assumptions
                         used in the Top-Heavy Ratio.

12.    VESTING

       Employees shall have a fully vested and nonforfeitable interest in any
       Employer contribution and the investment earnings thereon made in
       accordance with paragraphs (select one or more options) [ ] 7(c), [ ]
       7(e), [ ] 7(f), [ ] 7(g) and [ ] 7(i) hereof. Contributions under
       paragraph 7(b), 7(c)(vii) and 7(d) are always fully vested. If one or
       more of the foregoing options are not selected, such Employer
       contributions shall be subject to the vesting table selected by the
       Employer.

       Each Participant shall acquire a vested and nonforfeitable percentage in
       his or her account balance attributable to Employer contributions and the
       earnings thereon under the procedures selected below

<PAGE>

except with respect to any Plan Year during which the Plan is Top-Heavy, in
which case the Two-twenty vesting schedule [Option (b)(iv)] shall automatically
apply unless the Employer has already elected a faster vesting schedule. lf the
Plan is switched to option (b)(iv), because of itsTop-Heavy status, that vesting
schedule will remain in effect even if the Plan later becomes non-Top-Heavy
until the Employer executes an amendment of this Adoption Agreement indicating
otherwise.

(a)    Computation Period:

      The   computation period for purposes of determining Years of Service and
            Breaks in Service for purposes of computing a Participant's
            nonforfeitable right to his or her account balance derived from
            Employer contributions: [ ] (i) shall not be applicable since
            Participants are always fully vested, [ ] (ii) shall commence on the
            date on which an Employee first performs an Hour of Service for the
            Employer and each subsequent 12-consecutive month period shall
            commence on the anniversary thereof, or

       [X]         (iii) shall commence on the first day of the Plan Year during
                   which an Employee first performs an Hour of Service for the
                   Employer and each subsequent l 2-consecutive month period
                   shall commence on the anniversary thereof.

A Participant shall receive credit for a Year of Service if he or she completes
at least 1,000 Hours of Service [or if lesser, the number of hours specified at
3(l)(iii) of this Adoption Agreement] at any time during the 12-consecutive
month computation period. Consequently, a Year of Service may be earned prior to
the end of the 12-consecutive month computation period and the Participant need
not be employed at the end of the 12-consecutive month computation period to
receive credit for a Year of Service.

(b)    Vesting Schedules:

NOTE:   The vesting schedules below only apply to a Participant who has at least
        one Hour of Service during or after the 1989 Plan Year. If applicable,
        Participants who separated from Service prior to the 1989 Plan Year will
        remain under the vesting schedule as in effect in the Plan prior to
        amendment for the Tax Reform Act of 1986.

<PAGE>

       (i)   Full and immediate vesting.

                                Years of Service
                  1           2     3           4     5                6      7
       (ii)               %100%
       (iii)       %        %      100%
       (iv)        %       20%       40%      60%      80%     100%
     (v)           %        %        20%      40%      60%      80%     100%
       (vi)       10%          20%   30%         40%   60%         80%  100%
       (vii)      25%         50%   75%        100%   100%
                  ---         ---   ---        ----
             (SCHEDULE VII FOR EMPLOYEES HIRED ON OR BEFORE 12/31/1999)
      (viii)      20%         40%   60%          80%  100%        100%  100%
                  ---         ---   ---          ---  ----        ----
             (SCHEDULE VIII FOR EMPLOYEES HIRED AFTER 12/31/1999)

      NOTE: The percentages selected for schedule (viii) may not be less for any
            year than the percentages shown at schedule (v).

       [X]   All contributions other than those which are fully vested when
             contributed will vest under schedule VII OR VIII (AS NOTED ABOVE
             above.

       [     ] Contributions other than those which are fully vested when
             contributed will vest as provided below:

<PAGE>

   Vesting
Option Selected

Type Of Employer Contribution

7(c) Employer Match on Salary Savings

7(c) Employer Match on Employee Voluntary

7(e) Employer Discretionary

7(f) & (g) Employer Discretionary -Integrated

<PAGE>

      (c)   Service disregarded for Vesting: [X] (i) Not Applicable. All Service
            shall be considered. [ ] (ii) Service prior to the Effective Date of
            this Plan or a predecessor plan shall be disregarded when computing
            a Participant's vested and nonforfeitable interest. [ ] (iii)
            Service prior to a Participant having attained age 18 shall be
            disregarded when computing a Participant's vested and nonforfeitable
            interest.

13.   SERVICE WITH PREDECESSOR ORGANIZATION

       For purposes of satisfying the Service requirements for eligibility,
       Hours of Service shall include Service with the following predecessor
       organization(s): (These hours will also be used for vesting purposes.)

            BENNETT FUNDING GROUP, INC., ITS SUBSIDIARIES AND AFFILIATES,
            PEPPERTREE RESORTS, LTD., EASTERN RESORTS COMPANY, LLC

14.    ROLLOVER/TRANSFER CONTRIBUTIONS

       (a)   Rollover Contributions, as described at paragraph 4.3 of the Basic
             Plan Document #04, [X] shall [ ] shall not be permitted. If
             permitted, Employees [X] may [ ] may not make Rollover
             Contributions prior to meeting the eligibility requirements for
             participation in the Plan.

       (b)   Transfer Contributions, as described at paragraph 4.4 of the Basic
             Plan Document #04 [X] shall [ ] shall not be permitted. lf
             permitted, Employees [X] may [ ] may not make Transfer
             Contributions prior to meeting the eligibility requirements for
             participation in the Plan.

       NOTE:  Even if available, the Employer may refuse to accept such
              contributions if its Plan meets the safe-harbor rules of paragraph
              8.7 of the Basic Plan Document #04.

15.   HARDSHIP WITHDRAWALS

       Hardship withdrawals, as provided for in paragraph 6.9 of the Basic Plan
       Document #04, [X] are [ ] are not permitted.

<PAGE>

16.   PARTICIPANT LOANS

       Participant loans, as provided for in paragraph 13.5 of the Basic Plan
       Document #04, [X] are [ ] are not permitted. lf permitted, repayments of
       principal and interest shall be repaid to [X] the Participant's
       segregated account or [ ] the general Fund.

17.   INSURANCE POLICIES

       The insurance provisions of paragraph 13.6 of the Basic Plan Document #04
       [ ] shall [X] shall not be applicable.

18.   EMPLOYER INVESTMENT DIRECTION

       The Employer investment direction provisions, as set forth in paragraph
       13.7 of the Basic Plan Document #04, [X] shall [ ] shall not be
       applicable.

19.    EMPLOYEE INVESTMENT DIRECTION

       (a)   The Employee investment direction provisions, as set forth in
             paragraph 13.8 of the Basic Plan Document #04, [X] shall [ ] shall
             not be applicable.

             lf applicable, Participants may direct their investments:
            [ ]   (i)    among funds offered by the Trustee.
             [X ](ii)    among any allowable investments.

      (b)   Participants may direct the following kinds of contributions and the
            earnings thereon (check all applicable):

           [X]    (i)   All Contributions
           [ ]   (ii)   Elective Deferrals
           [ ]  (iii)   Employee Voluntary Contributions (after-tax)
             []  (iv)    Employee Mandatory Contributions (after-tax)
             []   (v)    Employer Qualified Matching Contributions
             []  (vi)    Other Employer Matching Contributions

<PAGE>

            [ ]    (vii) Employer Qualified Non-Elective Contributions
            [ ]    (viii)Employer Discretionary Contributions

             [ ]   (ix) Rollover Contributions

             [ ]   (x) Transfer Contributions

             [           ] (xi) All of above which are checked, but only to the
                         extent that the Participant is vested in those
                         contributions.

       NOTE:  To the extent that Employee investment direction was previously
              allowed, the Trustee shall have the right to either make the
              assets part of the general Trust, or leave them as separately
              invested subject to the rights of paragraph 13.8.

20.   EARLY PAYMENT OPTION

       (a)   A Participant who separates from Service prior to retirement, death
             or Disability [X] may [ ] may not make application to the Employer
             requesting an early payment of his or her vested account balance.

       (b)   A Participant who has attained age 59-1/2 and who has not separated
             from Service [X] may [ ] may not obtain a distribution of his or
             her vested Employer contributions. Distribution can only be made if
             the Participant is 100% vested.

       (c)   A Participant who has attained the Plan's Normal Retirement Age and
             who has not separated from Service [X] may [ ] may not receive a
             distribution of his or her vested account balance.

      NOTE: lf the Participant has had the right to withdraw his or her account
            balance in the past, this right may not be taken away.
            Notwithstanding the above, to the contrary, required minimum
            distributions will be paid. For timing of distributions, see item
            21(a) below.

21.   DISTRIBUTION OPTIONS

       (a)   Timing of Distributions:

      In    cases of termination for other than death, Disability or retirement,
            benefits shall be paid: [X] (i) As soon as administratively
            feasible, following the close of the valuation period during which a
            distribution is requested or is otherwise payable. [ ] (ii) As soon
            as administratively feasible following the close of the Plan Year
            during which a distribution is requested or is otherwise payable. [
            ] (iii) As soon as administratively feasible, following the date on
            which a distribution is requested or is otherwise payable. [ ] (iv)
            As soon as administratively feasible, after the close of the Plan
            Year during which the Participant incurs consecutive one-year Breaks
            in -- Service. [ ] (v) Only after the Participant has achieved the
            Plan's Normal Retirement Age, or Early Retirement Age, if
            applicable.

             In cases of death, Disability or retirement, benefits shall be
paid:

      [X]   (vi) As soon as administratively feasible, following the close of
            the valuation period during which a distribution is requested or is
            otherwise payable. [ ] (vii) As soon as administratively feasible
            following the close of the Plan Year during which a distribution is
            requested or is otherwise payable.

             [           ] (viii) As soon as administratively feasible,
                         following the date on which a distribution is requested
                         or is otherwise payable.

<PAGE>

(b)    Optional Forms   of Payment:
       [X]   (i)   Lump Sum.
       [X]   (ii)  Installment Payments.
       [ ]   (iii) Life Annuity*.
     [ ]     (iv)  Life Annuity Term Certain*.
                   Life Annuity with payments guaranteed for _____years, (not to
                   exceed 20 years, specify all applicable).

<PAGE>

      [     ] (v) Joint and [ ] 50%, [ ] 66-2/3%, [ ] 75% or [ ] 100% survivor
            annuity* (specify all applicable). [ ] (vi) Other form(s) specified:
            ___________________

      *Not  available in Plan meeting provisions of paragraph 8.7 of Basic Plan

       (c)   Recalculation of Life Expectancy:

             In determining required distributions under the Plan, Participants
             and/or their Spouse (Surviving Spouse) [X] shall [ ] shall not have
             the right to have their life expectancy recalculated annually.

<PAGE>

             lf "shall",

             []   only the Participant shall be recalculated.

             [X] both the Participant and Spouse shall be recalculated.

             []   who is recalculated shall be determined by the Participant.

<PAGE>

22.   SPONSOR CONTACT

       Employers should direct questions concerning the language contained in
       and qualification of the Prototype to:

      ALFONSE MECCARIELLO
      (Job Title) TRUST OFFICER
       (Phone Number) 315-442-1824

       In the event that the Sponsor amends, discontinues or abandons this
       Prototype Plan, notification will be provided to the Employer's address
       provided on the first page of this Agreement.

<PAGE>

23.    SIGNATURES:

      Due to the significant tax ramifications, the Sponsor recommends that
      before you execute this Adoption Agreement, you contact your attorney or
      tax advisor, if any.

      (a)   EMPLOYER:

             Name and address of Employer if different than specified in Section
l above.

             This agreement and the corresponding provisions of the Plan and
             Trust/Custodial Account Basic Plan Document #04 were adopted by the
             Employer the day of

<PAGE>

Signed for the Employer by: GERALD KLABEN
Title:

Signature:

<PAGE>

            The Employer understands that its failure to properly complete the
            Adoption Agreement may result in disqualification of its Plan.

             Employer's Reliance: The adopting Employer may not rely on an
             opinion letter issued by the National Office of the Internal
             Revenue Service as evidence that the Plan is qualified under Code
             Section 401. In order to obtain reliance with respect to Plan
             qualification, the Employer must apply to the appropriate Key
             District Office for a determination letter.

             This Adoption Agreement may only be used in conjunction with Basic
             Plan Document #04.

<PAGE>

 [X] (b)    TRUSTEE:
            Name of Trustee:
            MANUFACTURERS AND TRADERS TRUST COMPANY

             The assets of the Fund shall be invested in accordance with
             paragraph 13.3 of the Basic Plan Document #04 as a Trust. As such,
             the Employer's Plan as contained herein was accepted by the Trustee
             the __30th __day of December 1999

<PAGE>

Signed for the Trustee by:    ALFONSE MECCARIELLO

Title:                        TRUST OFFICER

Signature:
[]   (c)

CUSTODIAN:

<PAGE>

             Name of Custodian:

             The assets of the Fund shall be invested in accordance with
             paragraph l 3.4 of the Basic Plan Document #04 as a Custodial
             Account. As such, the Employer's Plan as contained herein was
             accepted by the Custodian the day of____________, 19 .
            Signed for the Custodian by:
            Title:
            Signature:
     (d)    SPONSOR:

             The Employer's Agreement and the corresponding provisions of the
             Plan and Trust/Custodial Account Basic Plan Document #04 were
             accepted by the Sponsor the 30th day of, December, 1999

<PAGE>

Signed for the Sponsor by:    ALFONSE MECCARIELLO
Title:                        TRUST OFFICER
Signature:              ____________________________

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