Document:

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THE SECURITIES REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE
SECURITIES ACT OF 1933, AS AMENDED, AND MAY NOT BE SOLD, TRANSFERRED, ASSIGNED,
OR HYPOTHECATED UNLESS THERE IS AN EFFECTIVE REGISTRATION STATEMENT UNDER SUCH
ACT COVERING SUCH SECURITIES, OR THE SALE IS MADE IN ACCORDANCE WITH RULE 144
UNDER THE ACT, OR THE COMPANY RECEIVES AN OPINION OF COUNSEL FOR THE HOLDER OF
THESE SECURITIES REASONABLY SATISFACTORY TO THE COMPANY STATING THAT SUCH SALE,
TRANSFER, ASSIGNMENT, OR HYPOTHECATION IS EXEMPT FROM THE REGISTRATION AND
PROSPECTUS DELIVERY REQUIREMENTS OF SUCH ACT.

                                  STOCK OPTION

                      TO PURCHASE SHARES OF COMMON STOCK OF

                          CHARTWELL INTERNATIONAL, INC.

                              A NEVADA CORPORATION

THIS CERTIFIES that, for value received JAMES R. STOCK is entitled, upon the
terms and subject to the conditions hereinafter set forth, at any time
commencing from the date hereof until JANUARY 3, 2003, ("Expiration Date") but
not thereafter, to subscribe for and purchase from Chartwell International,
Inc., a Nevada corporation ("the Company"), FOUR HUNDRED THIRTY-ONE THOUSAND
(431,000) of the fully paid and non-assessable shares of the Company's
restricted common stock, $0.001 par value, ("Common Stock"), at a purchase price
of FIVE CENTS ($0.05) PER SHARE ("Purchase Price"). The Purchase Price and the
number of shares for which this Option is exercisable shall be subject to
adjustment as provided herein.

1)   TITLE TO OPTION

     Prior to the Expiration Date and subject to compliance with applicable
     laws, this Option and all rights hereunder are transferable, in whole or in
     part, at the office or agency of the Company, referred to in Section 2
     hereof, by the holder hereof in person or by duly authorized attorney, upon
     surrender of this Option together with the Assignment Form annexed hereto
     properly endorsed.

2)   EXERCISE OF OPTION

     The purchase rights represented by the Option are exercisable by the
     registered holder hereof, in whole or in part, increments of one thousand
     (1,000) shares, commencing from the date hereof to and before the close of
     business on the Expiration Date by the surrender of this Option and the
     Subscription Form duly executed at the office of the Company at 5275 DTC
     Parkway, Suite 110, Englewood, Colorado 80111-2752, or such other office or
     agency appearing on the books of the Company, and upon the payment of the
     Purchase Price of the shares thereby purchased (by cash or by cancellation
     of indebtedness of the Company to the holder hereof, if any, at the time of
     exercise in an amount equal to the Purchase Price of the shares thereby
     purchased); whereupon the holder this Option, shall receive a certificate
     or certificates each in proper form, for the number of shares of Common
     Stock so purchased. The Company agrees that if at the time of the surrender
     of this Option and purchase, the holder shall be entitled to exercise this
     Option, the shares so purchased shall be and be deemed to be issued to such
     holder as the record owner of such shares as of the close of business on
     the date on which this Option shall be exercised as aforesaid. The Common
     Stock issued upon exercise of this Option in accordance with its terms
     shall be validly issued and outstanding, fully paid and non-assessable.

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                                                                          Page 2

     The Company covenants that all shares of Common Stock which may be issued
     upon the exchange of rights represented by this Option will, upon exercise
     of the rights represented by this Option, be fully paid and non-assessable
     and free from all taxes, liens, and charges in respect to the issue thereof
     (other than taxes in respect of any transfer occurring contemporaneously
     with such issue).

3)   NO FRACTIONAL SHARES OR SCRIP

     No fractional shares or scrip representing fractional shares shall be
     issued upon the exercise of this Option. Any fractional shares shall be
     rounded up to the nearest whole share.

4)   CHARGES, TAXES, AND EXPENSES

     Issuance of certificates for shares of Common Stock upon the exercise of
     this Option shall be made without charge to the holder hereof for any issue
     or transfer tax or other incidental expense in respect of the issuance of
     such certificate, all of which taxes and expenses shall be paid by the
     Company and such certificates shall be issued in the name of the holder of
     this Option or in such name or names as may be directed by the holder of
     this Option; provided, however, that in the event certificates for shares
     of Common Stock are to be issued in a name of the holder of this Option,
     this Option when surrendered for exercise shall be accompanied by the
     Assignment Form attached hereto, duly executed by the holder hereof; and
     provided further, that upon any transfer involved in the issuance or
     delivery of any certificates for shares of Common Stock, the Company may
     require, as a condition, thereto, the payment of a sum sufficient to
     reimburse it for any transfer tax incidental thereto.

5)   NO RIGHTS AS SHAREHOLDERS

     This Option does not entitle the holder hereof to any voting rights or
     other rights as a shareholder of the Company prior to the exercise hereof.

6)   EXCHANGE AND REGISTRY OF OPTIONS

     This Option is exchangeable, upon the surrender hereof by the registered
     holder at the above mentioned office or agency of the Company for new
     Option of like tenor.

     The Company shall maintain at the above mentioned office or agency a
     registry showing the name and address of the registered holder of this
     Option. This Option may be surrendered for exchange, transfer, or exercise
     in accordance with its terms at such office or agency of the Company, and
     the Company shall be entitled to rely in all respects, prior to written
     notice to the contrary, upon such registry. Upon such registry, this Option
     may only be transferred in accordance with the requirements of applicable
     federal and state securities laws.

7)   LOSS, THEFT, DESTRUCTION, OR MUTILATION OF OPTION

     Upon receipt by the Company of evidence reasonably satisfactory to it of
     the loss, theft, destruction, or mutilation of this Option, and in case of
     loss, theft, or destruction reasonable satisfactory to it, and upon
     reimbursement to the Company of all reasonable expenses incidental thereto,
     and upon surrender and cancellation of this
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                                                                          Page 3

     Option, if mutilated, the Company will make and deliver a new Option of
     like tenor in lieu of this Option.

8)   SATURDAYS, SUNDAYS, HOLIDAYS, ETC.

     If the last or appointed day for the taking of any action or the expiration
     of any right required or granted herein shall be a Saturday, Sunday, legal
     holiday, or be a day on which the office of the Company is not open for
     business, then such action may be taken or such right may be exercised on
     the next succeeding day of business.

9)   ADJUSTMENT OF PURCHASE PRICE AND NUMBER OF SHARES

     The Purchase Price of this Option and the number of shares issuable upon
     its exercise shall be subject to adjustment from time to time as follows:

     a)   In the event the Company shall at any time after the date hereof issue
          additional shares of Common Stock in stock dividend, stock
          distribution or subdivision paid with respect to Common Stock, or
          declare any dividend or other distribution payable with additional
          shares of Common Stock (or securities convertible into Common Stock)
          with respect to Common Stock or effect a split or subdivision of the
          outstanding shares of the Company's Common Stock, the Purchase Price
          then in effect immediately prior to such stock dividend, stock
          distribution or subdivision or such declaration thereof, shall,
          concurrently with the effectiveness of such stock dividend, stock
          distribution or subdivision, or the earlier declaration thereof, be
          proportionately decreased and the number of shares of Common Stock
          issuable upon exercise of this Option shall be appropriately increased
          in proportion to such increase of outstanding shares.

     b)   In the event the outstanding shares of Common Stock shall at any time
          after the date hereof be combined or consolidated, by reclassification
          or otherwise, into a lesser number of shares of Common Stock, the
          Purchase Price then in effect immediately prior to such combination or
          consolidation shall, concurrently with the effectiveness of such
          combination or consolidation, be proportionately increased and the
          number of shares of Common Stock issuable upon exercise of this Option
          shall be appropriately decreased in proportion to such decrease in
          outstanding shares.

     c)   In case, at any time after the date hereof, of any consolidation or
          merger of the Company with or into another corporation or the
          conveyance of all or substantially all of the assets of the Company to
          another corporation, the shares of Common Stock issuable upon the
          exercise of this Option shall thereafter be convertible into the
          number of shares of stock or other securities or property to which a
          holder would have been entitled if immediately prior to such
          consolidation, merger or conveyance he had exercised this Option in
          its entirety; and in any such case, appropriate adjustment (as
          determined in good faith by the Board of Directors) shall be made in
          the application of the provisions herein set forth with respect to the
          rights and interest thereafter of the holder of this Option and that
          the provisions set forth herein (including provisions with respect to
          changes in and other adjustments of the Purchase Price) shall
          thereafter be
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          applicable, as nearly as reasonably may be, in relation to any shares
          of stock or other property thereafter deliverable upon the exercise of
          this Option.

     d)   All calculations under this Paragraph 9 shall be made to the nearest
          cent or to the nearest share, as the case may be.

     e)   No adjustment in the Purchase Price need be made if such adjustment
          would be less than $0.01. Any adjustment of less than $0.01 which is
          not made shall be carried forward and shall be made at the time of and
          together with any subsequent adjustment which, on a cumulative basis,
          amounts to any adjustment of $0.01 or more in the Purchase Price.

     f)   The Company will, at all times, in good faith assist in carrying out
          all the provisions of this Paragraph 9 and in the taking of all such
          action as may be necessary or appropriate to protect the rights of the
          holder of this Option from impairment.

     g)   Upon the occurrence of each adjustment or readjustment of the Purchase
          Price pursuant to this Paragraph 9, the Company at its expense shall
          promptly compute such adjustment or readjustment in accordance with
          the terms hereof and prepare and furnish to the holder of this Option
          a certificate setting forth adjustment or readjustment and showing in
          detail the facts upon which such adjustment or readjustment is based.
          The Company shall, upon written request at any time of the holder of
          this Option, furnish or cause to be furnished to such holder a like
          certificate setting forth:

          i)   such adjustments and readjustments;

          ii)  the Purchase Price at the time in effect; and

          iii) the number of shares of Common Stock and the amount, if any, of
               other property that at the time would be received upon the
               exercise of this Option.

     h)   In the event of any taking by the Company of a record of the holders
          of any class of securities for the purpose of determining the holders
          thereto who are entitled to receive any dividend (other than a cash
          dividend) or other distribution, the Company shall mail to the holder
          of this Option at least twenty (20) days prior to such record day, a
          notice specifying the date on which any such record is to be taken for
          the purpose of such dividend or distribution.

     i)   The Company shall at all times reserve and keep available out of the
          authorized but unissued shares of the Common Stock, solely for the
          purpose of effecting the exercise of this Option, such number of its
          shares of Common Stock as shall from time to time be sufficient to
          effect the exercise of this Option; and if at any time the number of
          authorized but unissued shares of Common Stock shall not be sufficient
          to affect the exercise of this Option, the Company will take such
          corporate action as may, in the opinion of its counsel, be necessary
          to increase its authorized but unissued shares of Common Stock to such
          number of shares as shall be sufficient for such purpose.
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                                                                          Page 5

     j)   The Company will not, by amendment of its Articles of Incorporation or
          Bylaws or through any reorganization, transfer of assets,
          consolidation, merger, dissolution, issue or sale of securities or any
          other voluntary action, avoid or seek to avoid the observance or
          performance of any of the terms to be observed or performed hereunder
          by the Company but will at all times in good faith assist in the
          carrying out of all the provisions hereof and in the taking of all
          such actions as may be necessary or appropriate in order to protect
          the rights of the holders of this Option against impairment.

10)  REGISTRATION RIGHTS

     The Company shall immediately endeavor to register the securities
     relating to this option under the Securities Act of 1933 at the request
     of holder(s) representing an aggregate of at least ten million
     (10,000,000) shares under option.

11)  MISCELLANEOUS

     a)   The provisions of this Option shall be construed and shall be given
          effect in all respects as if it had been issued and delivered by
          the Company on the date hereof. This Option shall be binding upon
          any successors or assigns of the Company. This Option shall
          constitute a contract under the laws of the State of Colorado and
          for all purposes shall be construed in accordance with and
          governed by the laws of said state, excepting only to those
          matters of corporate organization and power incident to the
          issuance of stock pursuant hereto, which shall be governed by the
          laws by the State of Nevada.

     b)   The holder acknowledges that all certificates representing the
          Common Stock of the Company issued from time to time upon exercise
          hereof shall bear the legend set forth on the first page of this
          Option, unless registration rights are exercised under Paragraph 10
          above.

     c)   This Option is in complete satisfaction of all obligations of the
          Company to issue options to the initial grantee of this Option.

IN WITNESS WHEREOF, the Company has caused this Option to be executed by one of
its officers thereunto duly authorized.

DATED AS OF: SEPTEMBER 20, 2000

                                       CHARTWELL INTERNATIONAL, INC.
                                       a Nevada corporation

                                       /s/ Janice A. Jones
                                       ----------------------------------
                                       Dr. Janice A. Jones
                                       Chief Executive Officer<PAGE>

                        COMBINED PR/IR SERVICES AGREEMENT

     THIS AGREEMENT ("Agreement"), dated this 11th day of October, 1999, is
between Stock Enterprises, ("Stock"), located at 2492 Rye Beach Lane, Suite 200,
Las Vegas, Nevada 89012 and Chartwell International, Incorporated ("CHARTWELL")
whose address is 5275 DTC Parkway, Suite 110, Denver, Colorado 80111. In
consideration of mutual promises made herein and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged by
Stock and CHARTWELL, both parties agree as follows:

     1.   DUTIES OF STOCK: Stock will provide the following Investor Relations
("IR") and Public Relations services as outlined below. These services include,
but are not limited to, the following:

     (a)  Prepare all CHARTWELL press releases and manage distribution of same;

     (b)  Become extremely familiar with CHARTWELL so as to articulate in a
          professional and authoritative manner the nature of the businesses,
          growth prospects within the industry, and opportunity with regard to
          investing in the Company's stock.

     (c)  Manage and respond to incoming inquiries (as directed) from
          shareholders and potential investors for company news and information;

     (d)  Prepare, and update monthly, James Stock's STOCK TIPS recommendation
          letter for mass distribution to potential shareholders that reports on
          CHARTWELL's investment opportunity; to encourage new investment
          interest in the company and support in the company's stock;

     (e)  Solicit new investors for CHARTWELL using existing proprietary Stock
          databases;

     (f)  Develop a core stockbroker network that support CHARTWELL and promote
          its stock;

     (g)  Hold CEO telephone conferences with core broker group (subject to
          CEO's availability, or with CFO or other appropriate management);

     (h)  Compose quarterly "Letter to Shareholders" from President/CEO, for
          company-generated distribution;

     (i)  Assist in planning company's Annual Shareholder Meeting and be in
          attendance;

     (j)  Provide toll-free number to CHARTWELL's shareholders, for contacting
          Stock;

     (k)  Develop dialogue and solicit interest in CHARTWELL via various
          appropriate Internet discussion/chat rooms;

     (l)  Create "CHARTWELL Company Profile" and update as warranted;

     (m)  Maintain supply of CHARTWELL Broker Packages to provide to the Wall
          Street community;

     (n)  Submit to Company EOD (end-of-day) Stock Activity Reports at close of
          each trading day;

     (o)  Offer suggestions to CHARTWELL management as to additional ways and
          means to promote the company in a cost-effective manner;

     2.   DUTIES OF CHARTWELL: Based on the closing bid price on October 1, 1999
of CHARTWELL's common stock, (CHAP) being $.029 CHARTWELL shall pay for all
combined services as itemized above, and per the following: No cash. No
free-trading or restricted stock. Stock purchase warrants, valid through
1-2-2002, to purchase 1,931,000 shares common stock, exercisable at $0.05 (five
cents) per share. Stock will be allowed to exercise warrants in $15,000
increments. Chartwell agrees to deliver certificate(s) within 10 days of
verified funds being tendered to Company.

     3.   TERM OF AGREEMENT: One-year (12 months) minimum, renewable upon mutual
agreement.

                                                                     Page 1 of 3
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If a voluntary or involuntary act, desire, event (including incapacity or death)
or circumstance occur that would cause to effectively cease Stock's operations,
James Stock and/or STOCK ENTERPRISES would return to CHARTWELL the stock
purchase warrants described in paragraph #2 on a pro rata basis.

     4.   EXPENSES: Actual costs for newswire (i.e. BusinessWire, Dow Jones
Newswire, etc.) services for press release distribution are to be reimbursed by
CHARTWELL on a timely basis, upon monthly invoicing. Travel and lodging expenses
to company-related events, investor conferences, trade shows, shareholder
meetings, etc., are also to be reimbursed by CHARTWELL, subject to pre-approval
of said expense. Stock shall use its best efforts to minimize the costs of such
air travel and lodging expense. In lieu of cash, CHARTWELL may elect to
reimburse Stock for such expenses in the form of an equivalent amount of
CHARTWELL's common stock.

     5.   APPROVAL BEFORE DISSEMINATION: Stock agrees to obtain pre-approval,
documented by signature of CHARTWELL management, of any and all Press Releases
issued on behalf of the Company, as well as all other sales literature, letters
to shareholders, research reports, buy recommendations, (i.e. STOCK TIPS, etc.),
that originate from Stock prior to their release and/or dissemination.

     6.   AMENDMENT AND MODIFICATION: Subject to applicable law, this Agreement
may be amended, modified or supplemented only by a written agreement signed by
both parties.

     7.   ENTIRE AGREEMENT: This Agreement contains the entire understanding
between and among the parties and supersedes any prior understandings and
agreements among them respecting the subject matter of this Agreement.

     8.   AGREEMENT BINDING: This Agreement shall be binding upon the heirs,
executors, administrators, successors and assigns of the parties hereto.

     9.   ATTORNEY'S FEES: In the event an arbitration, suit or action is
brought by any party under this Agreement to enforce any of its terms, or in any
appeal therefrom, it is agreed that the prevailing party shall be entitled to
reasonable attorneys fees to be fixed by the arbitrator, trial court and/or
appellate court.

     10.  SEVERABILITY: If any provision of this Agreement is held to be
illegal, invalid or unenforceable under present or future laws effecting during
the term hereof, such provision shall be fully severable and this Agreement
shall be construed and enforced as if such illegal, invalid or unenforceable
provision never comprised a part hereof; and the remaining provisions hereof
shall remain in full force and effect and shall not be affected by the illegal,
invalid or unenforceable provision or by its severance herefrom. Furthermore, in
lieu of such illegal, invalid and unenforceable provision, there shall be added
automatically as part of this Agreement a provision as similar in nature in its
terms to such illegal, invalid or unenforceable provision as may be legal, valid
and unenforceable.

     11.  MUTUAL INDEMNIFICATION: CHARTWELL hereby agrees to indemnify and hold
harmless Stock, its partners, employees, agents, representatives, assigns, and
controlling persons (and other officers, directors, employees, agents,
representatives, assigns and controlling persons of each of them) from any and
all losses, claims, damages, liabilities, costs, and expenses (and all other
actions, suits, proceedings, or claims in respect thereof) and any legal or
other expenses in giving testimony or furnishing documents in response to a
subpoena or otherwise (including, without limitation, the cost of investigating,
preparing or defending any such action, suit, proceeding, or claim, whether or
not in connection with any action, suit, proceeding or claim for which they are
a party), as and when incurred, directly or indirectly, caused by, relating to,
based upon or arising out of the services pursuant to this agreement so long as
Stock has not committed intentional or willful misconduct, or shall not have
acted grossly negligent, in connection with

                                                                     Page 2 of 3
<PAGE>

the services which form the basis of the claim for indemnification. The parties
further agree that Stock shall not incur any liability on account of this
agreement or any acts or omissions arising out of or relating to this agreement
except for such party's intentional or willful misconduct. This paragraph shall
survive the expiration or termination of this agreement.

Furthermore, Stock hereby agrees to indemnify and hold harmless CHARTWELL, its
partners, employees, agents, representatives, assigns, and controlling persons
(and other officers, directors, employees, agents, representatives, assigns, and
controlling persons of each of them) from any and all losses, claims, damages,
liabilities, costs, and expenses (and all other actions, suits, proceedings, or
claims in respect thereof) and any legal or other expenses in giving testimony
or furnishing documents in response to a subpoena or otherwise (including,
without limitation, the cost of investigating, preparing or defending any such
action, suit, proceeding, or claim whether or not in connection with any action,
suit, proceeding or claim for which they are a party), as and when incurred,
directly or indirectly, caused by, relating to, based upon or arising out of
services performed by Stock wherein Stock has violated any law or committed
intentional or willful misconduct or acted negligently in connection with the
services which form the basis of the claim for indemnification including,
without limitation, any violation or alleged violation of Section 17 of the
Securities Act of 1933 and Rule 10b-5 from the Securities Exchange Act of 1934
or any other provision pertaining to offers or sale of securities under federal
or state security laws and regulations. This paragraph shall survive the
expiration or termination of this agreement.

     12.  INDEPENDENT CONTRACTOR STATUS: Stock shall perform its services under
this contract as an independent contractor and not as an employee of CHARTWELL
or an affiliate thereof. It is expressly understood and agreed to by the parties
hereto that Stock shall have no authority to act for, or represent or bind ICI
or CHARTWELL or any affiliate thereof in any manner, except as provided for
expressly in this Agreement or in writing by CHARTWELL.

     13.  REPRESENTATION: Stock hereby represents and warrants to CHARTWELL that
he holds all licenses, permits and qualifications for services performed on
behalf of CHARTWELL.

     14.  GOVERNING LAW: This Agreement shall be governed by the laws of the
State of Nevada, and the venue for the resolution of any dispute arising thereof
shall be in Clark County, State of Nevada.

IN WITNESS THEREOF, the parties above have caused this Agreement to be duly
executed, as of the day and year set out above.

STOCK ENTERPRISES                      CHARTWELL INTERNATIONAL, INC.

By: /s/ James R. Stock                 By: /s/ Janice A. Jones
   -------------------------------        --------------------------------
   James R. Stock, President              Janice A. Jones, CEO & President

Date: October 8, 1999                  Date: October 8, 1999

                                                                     Page 3 of 3

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