Document:

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                                                                   Exhibit 10.20

                      MASTER WEB SITE SERVICES AGREEMENT

     THIS MASTER WEB SITE SERVICES AGREEMENT ("Agreement") is made effective
                                               ---------
this 30/th/ day of November, 1999 (the "Effective Date"), by and between THE
                                        --------------
BIGHUB.COM, INC., a Florida corporation, with its principal place of business at
2939 Moss Rock, Suite 100, San Antonio, TX 78230 ("Hub") and THE
                                                             ---
BIGBALLOT.COM, INC., a Delaware corporation, with its principal place of
business at 4400 MacArthur Blvd., Suite 500, Newport Beach, CA 92660
("BigBallot").
  ---------

                                R E C I T A L S

     WHEREAS, the Hub in cooperation with its affiliate The BigStore.com, Inc.,
has developed, or is in the process of developing an infrastructure, which
includes certain proprietary technology, which enables the Hub, among other
things, to be able to conduct surveys and collect, tabulate, sort and process
data on the Internet in an efficient and effective manner (the "Hub
                                                                ---
Technology"), and to create, host, operate and support the interactive web site
----------
on the Internet (the "Services").
                      --------

     WHEREAS, BigBallot desires to leverage the Hub Technology by retaining the
Hub to provide certain Services, more particularly described below, in
connection with an Internet web site to be operated by BigBallot where users can
voice their opinions and vote on a wide range of topics, upon the terms and
conditions set forth below.

     WHEREAS, Hub desires to acquire a significant equity position in BigBallot
and, as consideration and payment for the Services provided by Hub herein, has
been issued such equity by BigBallot (the "BigBallot Equity") under the terms of
                                           ----------------
that certain Stock Purchase Agreement by and between Hub and BigBallot dated
November 30, 1999.

                                   AGREEMENT

     NOW, THEREFORE, in consideration of the foregoing and the covenants, terms
and conditions contained herein, the parties hereto hereby agree as follows:

1.   SERVICES PROVIDED

     1.1       Basic Web Site Content; Basic Services; Statement of Work for
               -------------------------------------------------------------
Additional Services.  All work to be performed hereunder shall be described on a
-------------------
Statement of Work attached hereto (the "Statement of Work").  The Statement of
                                        -----------------
Work shall, among other things required to be included therein by this
Agreement, designate whether such work constitutes basic Services or Compensated
Services (as defined in Section 1.1(b)).
                        --------------

               (a)  Hub shall use the Hub Technology to provide Services
     including without limitation, developing, hosting, operating and supporting
     a BigBallot Internet display/web site (the "Site") and related direct-link
                                                 ----
     advertising banner site for use on each of the Hub server and BigBallot
     server.  Upon the provision by BigBallot to Hub of
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     text, graphics or other information (collectively, "Content") for use in
                                                         -------
     the Internet Site from time to time, Hub shall within the time frame set
     forth on Schedule 1.1(a) adapt, translate and reformat the Content as
              ---------------
     necessary into HTML format to produce a high quality, technologically
     state-of-the-art Site. Hub shall make no changes to the text or appearance
     of any graphics in or other artistic portion of the Content without the
     prior written approval of BigBallot. BigBallot shall make the final
     determination of all Content to be used on the Internet Site. All
     photographs, trademarks, images or other works owned or controlled by
     BigBallot or its clients and licensees and which are specified by BigBallot
     for inclusion in the Internet Site shall be provided by BigBallot in "web
     ready format," or in other format agreed upon by the parties and shall
     remain the property of BigBallot, its clients or licensees, as the case may
     be. Hub shall make no further use of any of the Content without BigBallot's
     written consent. As part of the Services, Hub shall provide on-going
     maintenance of all Site-related Hub Technology and to make available to
     BigBallot at no cost all enhancements, upgrades, new versions, and
     modifications developed by Hub to such Hub Technology.

          (b)  Hub shall also provide the following basic development and
     hosting Services and related Work Product without additional cost to
     BigBallot:

               (i)  Configuration and Operation of Server. Configure and operate
                    -------------------------------------
          state of the art server hardware with high speed direct Internet
          connection. The server shall include and utilize state of the art
          hypertext transfer protocol-compliant server software. Hub shall
          locate its primary server at Hub's premises (or at a locked and
          secured location at a third party's premises, provided no third party
          will have access to the server or any confidential information of
          BigBallot) and shall operate and maintain the server in accordance
          with the performance levels set forth herein. Hub shall provide
          commercially adequate levels of server redundancy, capacity and
          emergency power as is customary in the industry in the event of a
          power failure or power reduction. Prior to the establishment of the
          BigBallot's Internet Site, Hub shall consult with BigBallot with
          respect to the hardware and software leases, licenses, maintenance
          agreements and operating agreements to be obtained on behalf of
          BigBallot to implement the required server operations. Hub shall pay
          all costs and fees in connection with such agreements during the term
          of this Agreement. Without limitation of the foregoing, to the extent
          that any third party software licenses are required to be obtained by
          Hub to perform its obligations hereunder, Hub shall obtain such
          licenses on BigBallot's behalf at no additional cost.

               (ii) Telecommunications Software and/or Hardware.  Obtain access
                    -------------------------------------------
          to, and the right to use high speed telecommunications software and/or
          state-of-the-art hardware to function with the server (which software
          and/or hardware may be the property of Hub or of any third party).
          Hub shall arrange for the installation of high speed telecommunication
          lines for the server as described on Schedule 1.1(b)(ii).  Hub shall
                                               -------------------
          also advise and consult with BigBallot with respect to BigBallot's
          procurement of telecommunications services for the BigBallot server to
          be located at BigBallot's premises as described on Schedule
                                                             --------
          1.1(b)(ii).
          ----------

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          Hub shall have no liability with respect to performance by any third-
          party telecommunications service provider except that Hub shall
          require confirmation of the number of possible simultaneous users and
          speed of transmission which levels shall be adequate for BigBallot's
          intended use and volume of Site visits. Hub shall provide (i) e-mail
          hosting and maintenance for BigBallot's Site users as well as for
          BigBallot staff (including alias e-mail addresses for such staff), and
          (ii) broadcast e-mail development and maintenance.

             (iii)  Redesign Translations into HTML Format.  Provide consulting
                    --------------------------------------
          services to BigBallot and translate BigBallot-supplied text, graphics
          and other materials into Hypertext Markup Language (HTML) format major
          redesigns of the BigBallot Internet Site.

             (iv)   Site Related Programs and Other Deliverables.  Develop, in
                    --------------------------------------------
          cooperation with representatives of BigBallot, new BigBallot Internet
          Site software, including assisting in the alpha and beta testing of
          such new software, as may be set forth from time to time in a
          Statement of Work.

             (v)    Site Related Software Developed by BigBallot. Copy,
                    --------------------------------------------
          reformat, improve, review and advise on the BigBallot Internet Site
          and BigBallot web site related software developed by Hub, BigBallot,
          or third parties as requested from time to time by BigBallot and as
          set forth in any Statement of Work.

             (vi)   Software Scripting Routines.  Develop software scripting
                    ---------------------------
          routines which will generate HTML to make BigBallot's information and
          Site displays appear as specified in the Statement of Work and
          install, configure and customize the Site server to enable and track
          BigBallot voting, polling, and other interactive usage of and with the
          BigBallot Site.

             (vii)  Record Keeping.  Traffic logging and regular reporting of
                    --------------
          BigBallot Site usage.  Manage the recordation of all information made
          available from people accessing the BigBallot Site, casting BigBallot
          ballots thereon, or engaging in any other commerce in connection with
          such Site, including, without limitation, name, address, credit card
          numbers, products requested and any other information directly or
          indirectly obtained from such users (collectively, "User
                                                              ----
          Information").  Hub shall also provide registration processes and
          -----------
          database maintenance concerning such users and the User Information.

             (viii)  Transmission of Information from Server to BigBallot.
                     ----------------------------------------------------
          Cooperate with BigBallot to make available the ability to transmit
          information in a useful format from the host server to BigBallot.  Hub
          shall obtain and install the appropriate software at BigBallot's
          designated location for receiving transmission of the User
          Information.

             (ix)   Promoting the Site.  Provide assistance as requested by
                    ------------------
          BigBallot in promoting the Site including, without limitation,
          maintaining a conspicuous,

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          direct link to the BigBallot banner on the primary Hub web site and
          prominent banners on other Hub affiliated Internet sites (24 hours a
          day - 365 days per year), press releases and messages to Usenet news
          groups, selected World Wide Web sites or selected other sites. Hub
          will not alter such banner and direct link, nor place any promotional
          material or other media of any kind concerning BigBallot without
          written approval by BigBallot in each instance. Hub shall not alter,
          modify or change in any way such linkage/banner materials as provided
          by BigBallot, and Hub shall use such materials in strict compliance
          with the directions provided by the BigBallot. Hub shall not promote
          sites competing with BigBallot on the Hub site or Hub affiliates.

             (x)  Training; Technical Assistance and Support.  Provide such
                  ------------------------------------------
          training, technical assistance, support, advice and information
          concerning the use and features of the Site and all related hardware
          and software as BigBallot shall reasonably request from time to time
          and development of publishing and administration software,
          applications and all related documentation.

             (xi) Additional Services Specified in Statement of Work. In
                  --------------------------------------------------
          addition to the basic Services set forth in this Section 1.1, Hub will
                                                           -----------
          provide such other web site design, development, programming and other
          website services which may be outside the anticipated scope of
          Internet site development services (the "Compensated Services") to
                                                   --------------------
          create additional  "Work Product" (as defined in Section 12.8), all as
                                                           ------------
          set forth in each statement of work agreed to by the parties from time
          to time and attached and made a part hereof (the "Statement of Work").
                                                            -----------------
          Each Statement of Work shall contain, at a minimum, the following
          information:  (a) a description of the services to be performed and
          Work Product; (b) whether such services are part of the Services or
          Compensated Services; (b) a projected timetable by which the services
          and Work Product will be delivered, including a timetable for each
          party's obligations to meet that delivery commitment; (c) BigBallot's
          special conditions of acceptance, if any; (d) a description of
          required status reports, if any; and (e) the commencement and
          termination dates of the services.  BigBallot shall pay for
          Compensated Services as set forth in Section 1.2.
                                               -----------

     1.2  Changes to Statement of Work.  The parties agree that BigBallot shall
          ----------------------------
have and maintain exclusive control over its business operations and the
direction of the development of its Site; provided, however, that, in the event
that the BigBallot requests Compensated Services, BigBallot and Hub agree to
negotiate in good faith the economics of such Compensated Services which
negotiation shall take into consideration the market value of the services to be
provided and the compensation being received by the Hub from affiliates for
similar services. Additions or modifications to any of the Services set forth in
Section 1.1 or in any Statement of Work may be accomplished through the use of a
-----------
"Change Order." A Change Order must be in writing and signed by each party in
 ------------
order to be effective.  The procedure for creating a Change Order is as follows:
(a) BigBallot shall submit a written request to Hub specifying the additions or
modifications to the Statement of Work desired (the "Change Notice"); (b) after
                                                     -------------
receipt of such Change Notice, Hub shall submit a change order proposal (the
"Change Order") to BigBallot
 ------------

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which shall include a statement of any work, any changes to the proposed
completion dates and, where such additions or modifications constitute
Compensated Services (as agreed by the parties hereto), any fees chargeable to
BigBallot. On BigBallot's written signature to the Change Order, the Change
Order will become part of the Statement of Work.

     1.3  Personnel.  Hub shall have the exclusive authority to make staffing
          ---------
decisions with respect to use of its personnel in the provision of the Services
and any Compensated Services.  This authority includes the right to reassign
personnel; provided, however, that the Services and any Compensated Services
shall continue to be provided in accordance with the terms of this Agreement.
Hub will at all times retain sufficient engineering and technical staffing to
support and promote new development of the Hub Technology.

2.   LICENSES PROVIDED

     2.1  Work Product License.  Hub grants to BigBallot, and BigBallot accepts,
          --------------------
a non-exclusive,  perpetual, worldwide, royalty-free license, to use, publicly
display and digitally perform the result of any Services, Compensated Services,
Work Product and the Tools (defined below) on the Internet or otherwise not
already a part of the BigBallot Properties (defined below).

     2.2  Third-Party Product License.  Hub grants to BigBallot, and BigBallot
          ---------------------------
accepts, a non-exclusive, limited, royalty-free (as to Hub) license to use the
Third-Party Products (defined below) at any current or future BigBallot
Location, for the purpose of using the result of any Services, Compensated
Services, or Work Product consistent with the terms and conditions of this
Agreement.

     2.3  Trademarks.  Each party hereby grants to the other party a limited,
          ----------
nonexclusive, non-sublicenseable, royalty-free, worldwide license to use the
other party's trademarks, service marks, trade names, logos or other commercial
or product designations (collectively, "Marks") for the purposes of creating
                                        -----
content directories or indexes and for marketing and promoting the Site.  The
holder of the Marks may terminate the other party's right to use the holder's
Marks, in whole or in part, if the usage of such Marks does not adhere to the
holder of the Mark's then-current standards for such Marks.

3.   BIGBALLOT RESPONSIBILITIES

     3.1  Cooperation.  BigBallot shall cooperate with and assist Hub by
          -----------
providing to Hub such information and such access to BigBallot's personnel,
facilities, equipment, databases, software, and other resources as are described
in the Statement of Work, basic Services set forth in Section 1.1, or as Hub may
                                                      -----------
reasonably request.

     3.2  Availability.  BigBallot shall ensure the availability and stability
          ------------
of its computing environment to support the services described on each Statement
of Work and acceptance testing set forth in this Agreement, if and to the extent
required in connection with the particular services as so described.

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     3.3  Acceptance.  All services and products delivered by Hub under this
          ----------
Agreement shall be subject to testing by BigBallot to determine whether the
services and products delivered contain the functionality and other objective
requirements ("Acceptance Criteria") described in the applicable Statement(s) of
               -------------------
Work.  This acceptance test shall run for thirty (30) days after delivery of
such services and products (the "Testing Period").  During the Testing Period,
                                 --------------
BigBallot shall either:  (a) notify Hub of its acceptance of the services and
products, or (b) provide Hub with written notice of any defects which cause the
Acceptance Criteria not to be met.  Hub shall use commercially reasonable
efforts to cure any defects described in such written notification and BigBallot
will have an additional thirty (30) days to retest the services and products to
determine whether Hub has cured the defects listed in BigBallot's notice.  This
process shall be repeated until the services and products are accepted or deemed
to have been accepted.  All services and products (or revised services and
products) will be deemed to have been accepted if no written notice of defects
is provided to Hub within thirty (30) days after delivery of the services and
products.

4.   CONSIDERATION

     4.1  Hub's Services.  Except as otherwise noted on a Statement of Work as
          --------------
Compensated Services, all of  Hub's Services hereunder are in exchange for (i)
the issuance by BigBallot to Hub of the BigBallot Equity, and (ii)  a monthly
maintenance fee payable by BigBallot to Hub of $20,000.  The  monthly
maintenance fee shall be due on the first day of each calendar month during the
term of this Agreement.

     4.2  Out of Scope Services.  If the Statement of Work so  indicates, Hub
          ---------------------
may be paid additional consideration for Compensated Services requested by
BigBallot outside the ordinary scope of this Agreement as may be determined and
agreed to by the parties hereto.  The parties shall negotiate in good faith to
arrive at a mutually acceptable level of consideration for such additional
services.

     4.3  Taxes.  Hub shall be responsible for paying any applicable sales, use,
          -----
excise, value added, or similar taxes or assessments imposed upon the Services
and Compensated Services rendered or other deliverables provided hereunder, by
any federal, state, or local government authority.

     4.4  Payment Terms.  Where the parties mutually agree to pay Hub additional
          -------------
consideration for Compensated Services, Hub will invoice BigBallot in accordance
with the payment schedule specified in the applicable Statement of Work.  All
invoices shall be due and payable in United States dollars on the date specified
in the Statement of Work, or, if no date is specified, within thirty (30)
calendar days after receipt of invoice.

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5.   TERM AND TERMINATION

     5.1  Term.  The term of this Agreement ("Term") shall commence on the
          ----                                ----
Effective Date and shall continue until the first anniversary of the Effective
Date, unless earlier terminated as provided herein. Thereafter, this Agreement
shall continue automatically for a series of one year terms unless and until
notice of termination is received by either party no later than sixty (60) days
prior to the end of such additional one year term, in which case this Agreement
shall terminate at the end of such one year term.

     5.2  Termination.  Either party may terminate this Agreement or a Statement
          -----------
of Work upon the occurrence of (i) a material breach by the other party, which
material breach has not been cured within thirty (30) days after receipt of
written notice thereof by the breaching party from the other, (ii) upon filing
of any voluntary petition by the other party or upon the filing of any
involuntary petition against the other party under the Bankruptcy Code that is
not dismissed within thirty (30) days after filing, or upon any appointment of a
receiver for all or any portion of the other party's business or operations, or
any assignment of all or substantially all the assets of the other party for the
benefit of creditors; or (iii) upon BigBallot's written request to terminate Hub
Services with respect to the BigBallot web site, which shall be given no less
than thirty (30) days prior to the effective date of such termination.

     5.3  Effect of Termination.  Upon the termination of this Agreement for any
          ---------------------
reason, BigBallot shall have the right to such elements of the BigBallot Site
(including without limitation, the BigBallot Properties and any additional
source code, object code and all related documentation required for the then
existing level of operation of the BigBallot Site) so as to permit BigBallot to
immediate establish new web site operations at an alternative web site
host/developer. If any of the elements of the BigBallot Site contain Hub
Properties, Hub hereby grants to BigBallot a perpetual, royalty-free,
nonexclusive, worldwide license to use and modify such elements in the operation
of BigBallot's business. Hub shall cooperate with BigBallot's termination of Hub
Services and transfer to a new web site.

6.   CONFIDENTIALITY

     6.1  Confidential Information.  The parties acknowledge that it will be
          ------------------------
necessary for each of them to disclose or make available to each other
information and materials (collectively the "Confidential Information") that may
                                             ------------------------
be confidential or proprietary or may contain valuable trade secrets, and that
some such information may already have been disclosed prior to the Effective
Date.  Prior to disclosure, the disclosing party shall use reasonable efforts to
designate all Confidential Information by marking the information with the word
"Confidential" or similar legend.  However, BigBallot and Hub agree that, even
if not so marked, the BigBallot Properties and the Hub Properties (as defined in
Sections 12.1 and 12.2) are Confidential Information, as are any passwords used
----------------------
in connection with the services and products delivered by Hub hereunder, any
server logs related to the services and products delivered by Hub hereunder, and
all documentation, descriptions, and embodiments of any of them.

     6.2  Non-Disclosure.  Both during and after the term of this Agreement,
          --------------
each of the parties agrees: (a) to use commercially reasonable efforts to
protect the Confidential Information

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of the other party from unauthorized use or disclosure and to use at least the
same degree of care with regard thereto as it uses to protect its own
Confidential Information of a like nature; (b) to use and reproduce the
Confidential Information of the other party only as permitted under this
Agreement or as needed to perform its duties thereunder; and (c) not to disclose
or otherwise permit access to the Confidential Information of the other party to
any third party, without the other party's prior written consent.

     6.3  Exceptions.  Information will not be considered to be Confidential
          ----------
Information if it (a) is already, or otherwise becomes, publicly known by third
parties, as a result of no act or omission of the receiving party; (b) is
lawfully received, after disclosure hereunder, from a third party having the
fight to disseminate the information without restriction on disclosure; (c) is
furnished to others by the disclosing party without restriction on disclosure;
or (d) can be shown by the receiving party to have been independently developed
by such party prior to the execution of this Agreement. Furthermore, it is
understood that each party shall be free to use any ideas, concepts, know-how
and techniques related to the scope of its practice, provided they contain no
specific or identifiable elements unique to the other party hereto or its
operations. or its operations.

     6.4  Injunctive Relief.  The parties agree that any breach by either party
          -----------------
or any of its officers, directors, or employees, of any provisions of Section 6
                                                                      ---------
may cause immediate and irreparable injury to the other party and that, in the
event of such breach, the injured party will be entitled to seek injunctive
relief as well as any and all other remedies available at law or in equity.

7.   OWNERSHIP

     7.1  Hub Properties.  As between Hub and BigBallot, Hub shall at all times
          --------------
be and remain the sole and exclusive owner of the Hub Properties. To the extent
that any work performed by BigBallot under this Agreement may be covered by the
definition of "Hub Properties," BigBallot hereby assigns and conveys its entire
right, title and interest therein and all copies thereof, and all copyright and
other proprietary rights therein, without further consideration, free from any
claim or lien or retention of rights, to Hub.

     7.2  BigBallot Properties.  As between Hub and BigBallot, BigBallot will at
          --------------------
all times be and remain the sole and exclusive owner of the BigBallot
Properties. Hub hereby assigns and conveys its entire right, title and interest
therein and all copies thereof, and all copyright and other proprietary rights
therein, without further consideration, free from any claim or lien or retention
of rights to BigBallot.

     7.3  Third Party Properties.  Nothing  herein shall cause or imply any
          ----------------------
sale, license, or other transfer of proprietary rights of or in any third party
software or products from one party to this Agreement to the other party.

     7.4  User Information.  User Information, as it may exist from the date of
          ----------------
this Agreement until the expiration of the Term, shall be owned jointly by Hub
and BigBallot. Any modification to the User Information after the expiration of
the Term shall belong to the party

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creating same. Notwithstanding the foregoing, certain information of BigBallot
clients (users) may not be disclosed to or used by Hub pursuant to the terms of
BigBallot's agreement with such clients. Accordingly, Hub shall not be granted
access to or use of such information.

8.   INDEMNIFICATION

     8.1     Intellectual Property.  If either party (the "Indemnitee") promptly
             ---------------------                         ----------
notifies the other (the "Indemnitor") in writing of a claim against Indemnitee
                         ----------
that any of the Hub Properties or BigBallot Properties infringes a presently
existing proprietary right of a third party enforceable in the United States,
and if Indemnitee specifies in such notice that the claim is based to any extent
upon an alleged infringement enforceable in the United States by any portion of
the Indemnitor's properties (the Hub Properties or the BigBallot Properties, as
the case may be), the Indemnitor, with respect to and to the extent of the
portion of the claim pertaining to the Indemnitor's properties, shall indemnify
and defend such claim at its expense and pay any costs or damages (including
reasonable attorneys' fees) that may be incurred or finally awarded against the
Indemnitee.

     8.2     Personal Injury, Property Damage.  Each party shall indemnify, hold
             --------------------------------
harmless and defend the other party from and against any and all suits, actions,
damages, costs, losses or expenses (including reasonable attorneys' fees)
relating to or arising out of bodily injury or death of any person or damage to
real and/or tangible property to the extent proximately caused by the negligent
or willful acts or omissions of the indemnifying party, its personnel or agents
in connection with the performance of activities relating to this Agreement.

     8.3     Sole Control.  To the extent of the portion of the claim pertaining
             ------------
to its own properties, the Indemnitor under any of the indemnities set forth in
this Section 8 shall have sole control of the defense of any such claim and all
     ---------
negotiations for settlement.  The Indemnitor shall not be obligated to indemnify
the Indemnitee under any settlement made without the Indemnitor's written
consent or in the event the Indemnitee falls to cooperate fully (at the
Indemnitor's expense) in the defense of any such claim.

     8.4     Option to Avoid Infringement.  In the event that any portion of the
             ----------------------------
Hub Properties is likely to or does become the subject of a claim of
infringement of any letters patent, copyright, trademark, service mark, trade
name, trade secret or other intellectual or proprietary right of any third party
(the "Disputed Portion"), Hub may, at its sole option and expense, procure for
      ----------------
BigBallot the right to continue using, the Disputed Portion, modify the Disputed
Portion to make it noninfringing, or replace the Disputed Portion with a
substantially similar, noninfringing replacement.  If none of the foregoing
alternatives is reasonably available, Hub may terminate BigBallot's right to use
the Disputed Portion upon thirty (30) days' written notice and Hub shall refund
a pro rata portion of fees paid by BigBallot to Hub for the Disputed Portion
plus any and all damages suffered by BigBallot as a result of such claim and
dispute.

9.   WARRANTIES

     Hub represents and warrants (i) that it will provide to BigBallot state of
the art services (including, without limitation, all services and products
contained on any Statement of Work, the

                                       9
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Services and the Compensated Services) hereunder which permit BigBallot to enjoy
a high quality technically advanced web site and rapid access to such site via
Hub's link; (ii) all Hub's services will be performed in a timely and
workmanlike manner; (iii) all services and products contained on any Statement
of Work by Hub hereunder for the benefit of BigBallot shall be fit for the
purpose intended by BigBallot; (iv) that Hub is duly licensed, permitted and
authorized to perform the tasks contemplated by this Agreement pursuant to and
in compliance with all applicable laws, rules and regulations; and (v) that all
services and products contained on any Statement of Work, as provided by Hub, do
not and will not: (a) violate any law or regulation; (b) be defamatory or trade
libelous; (c) cause BigBallot to be directly linked to any site which is
pornographic or obscene; or (d) contain any viruses, Trojan horses, worms, time
bombs, cancelbots or other computer programming defects which are intended to
damage a user's system or data. Hub further represents and warrants that: (a) it
will use commercially reasonable efforts to ensure the services and products it
provides pursuant to each Statement of Work will substantially conform to the
Acceptance Criteria for a period of one (1) year after the completion of the
Testing Period; (b) Hub shall acquire all rights necessary for the production,
distribution, exhibition and exploitation of the services and products it
provides pursuant to each Statement of Work consistent with the licenses granted
in this Agreement; and (c) there is no outstanding contract, commitment or
agreement to which Hub is a party, or legal impediment of any kind known to Hub
which conflicts with this Agreement or might limit, restrict or impair the
rights granted to hereunder.

10.  INSURANCE

     Hub will maintain levels of insurance as is customary in the industry.  Hub
will provide BigBallot with evidence of Hub's insurance as may be requested by
BigBallot from time to time.

11.  NO EMPLOYEE SOLICITATION/HIRING

     During the period beginning with the Effective Date and ending twelve (12)
months after the termination of this Agreement, neither party nor its affiliates
will offer employment to or hire any employee of the other party or its
affiliates without the prior written consent of the employing, party.  For
purposes of the preceding sentence, the terms "employment" and "employee" shall
                                               ----------       --------
include any form of employment, consulting, contract relationship, or other
arrangement pursuant to which such individual will, directly or indirectly,
perform services for the other party.

12.  DEFINITIONS

     12.1    "BigBallot Properties" shall mean all text, pictures, sound,
              --------------------
graphics, video and other data supplied by BigBallot to Hub and each and every
service and product developed by Hub and delivered to BigBallot in accordance
with the terms and conditions of this Agreement and each Statement of Work.

     12.2    "Hub Properties" shall mean the Work Product, except for the
              --------------
BigBallot Properties, Third Party Products and any Tools.

                                       10
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     12.3    "Location" shall mean BigBallot, 23 Corporate Plaza, Suite 145,
              --------
Newport Beach, California 92660.

     12.4    "Page" shall mean a file that can be scrolled, and may consist of
              ----
multiple Screens.

     12.5    "Screen" means the information on one computer monitor screen.
              ------

     12.6    "Third-Party Products" shall mean the computer hardware, computer
              --------------------
software, files, and all other technology owned or distributed by third parties,
and delivered to BigBallot by Hub in accordance with the terms and conditions of
this Agreement or a Statement of Work, excluding the Tools.

     12.7    "Tools" shall mean any tools, in object code form, which Hub
              -----
licenses from a third party, but shall not include any tools which Hub has
already developed or created pursuant to this Agreement, which shall be
considered "Work Product." By way of example, Tools could include, without
limitation, toolbars for maneuvering between Pages, search engines, Java
applets, and ActiveX controls.

     12.8    "Work Product" shall mean all HTML and/or Java files, graphics
              ------------
files, animation files, data files, technology, scripting and programming (in
object code form), and all documentation developed by Hub pursuant to this
Agreement. Work Product shall not include the BigBallot Properties, Tools, and
the Third-Party Products .

13.  GENERAL

     13.1    Complete Agreement.  This Agreement, including any Statement of
             ------------------
Work hereunder, is the complete and exclusive statement of the agreement of the
parties with respect to the subject matter hereof and supersedes and merges all
prior proposals and agreements, oral or written, between the parties with
respect to the subject matter hereof. This Agreement may not be modified except
by a written instrument duly executed by the parties hereto.

     13.2    Headings and Subsection.  Section headings are provided for
             -----------------------
convenience of reference and do not constitute part of this Agreement. Any
references to a particular section of this Agreement shall be deemed to include
reference to any and all subsections thereof.

     13.3    Severability; No Waiver.  If any provision of this Agreement is
             -----------------------
held to be invalid or unenforceable for any reason, the remaining provisions
will continue in full force without being impaired or invalidated in any way.
The parties agree to replace any invalid provision with a valid provision which
most closely approximates the intent and economic effect of the invalid
provision. The waiver by either party of a breach of any provision of this
Agreement will not operate or be interpreted as a waiver of any other
or subsequent breach.

     13.4    Enforceability.  If any part of this Agreement shall be adjudged by
             --------------
any court of competent jurisdiction to be invalid, illegal or unenforceable, the
validity, legality and enforceability of the remaining provisions shall not be
affected or impaired thereby and shall be enforced to the maximum extent
permitted by applicable law.  If any remedy set forth in this

                                       11
<PAGE>

Agreement is determined to have failed of its essential purpose, then all other
provisions of this Agreement, including the limitations of liability and
exclusions of damages, shall remain in full force and effect.

     13.5    Assignment.  Neither party may assign or delegate any or all of its
             ----------
rights (other than the right to receive payments) or its duties or obligations
hereunder without the consent of the other party, which consent shall not be
unreasonably- withheld or delayed; provided, however, that either party may
assign this Agreement, without the need to obtain consent of the other party, to
an affiliate of such party or to a successor in interest to substantially all of
the business of that party to which this Agreement relates.  An assignee of
either party authorized hereunder shall be bound by the terms of this Agreement
and shall have all of the rights and obligations of the assigning party set
forth in this Agreement.

     13.6    No Third Party Benefit. The provisions of this Agreement are for
             ----------------------
the sole benefit of the parties hereto. This Agreement confers no rights,
benefits, or claims upon any person or entity not a party hereto.

     13.7    Independent Contractors. The parties to this Agreement are
             -----------------------
independent contractors, and no agency, partnership, joint venture or employee-
employer relationship is intended or created by this Agreement.  Neither party
shall have the power to obligate or bind the other party.  Personnel supplied by
Hub shall work exclusively for Hub and shall not, for any purpose, be considered
employees or agents of BigBallot.  Hub assumes full responsibility for the acts
of such personnel while performing services hereunder and shall be solely
responsible for their supervision, direction and control, compensation, benefits
and taxes.

     13.8    No Construction Against Drafter.  If an ambiguity or question of
             -------------------------------
intent arises with respect to any provision of this Agreement, the Agreement
will be construed as if drafted jointly by the parties and no presumption or
burden of proof will arise favoring or disfavoring either party by virtue of
authorship of any of the provisions of this Agreement.

     13.9    Force Majeure.  Either party shall be excused from performance and
             -------------
shall not be liable for any delay in whole or in part, caused by the occurrence
of any contingency beyond the reasonable control either of the excused party or
its subcontractors or suppliers including, but not limited to, war, sabotage,
insurrection, riot or other act of civil disobedience, act of public enemy,
failure or delay in transportation, act of any government or any agency or
subdivision thereof affecting the terms hereof, accident, fire, explosion,
flood, severe weather or other act of God, or shortage of labor or fuel or raw
materials.

     13.10   Notices.  Any notice required or permitted hereunder to the parties
             -------
hereto will be deemed to have been duly given only if in writing and delivered
by:  (a) certified U.S. mail, return receipt requested or via overnight courier,
postage prepaid, to the address of the receiving party as set forth on the
initial page hereof or such other address as may be specified by such party in a
notice delivered to the other party in accordance with this Section, or (b) via
hand delivery.  Notices shall be deemed delivered when received by the party
being notified.

                                       12
<PAGE>

     13.11   Governing, Law, Jurisdiction and Venue.  This Agreement shall be
             --------------------------------------
deemed to have been made in, and shall be construed pursuant to the laws of, the
State of and any action or proceeding arising out of or related to this
Agreement shall be brought only in the Court of Orange County, California, or
the United States District Court in Santa Ana, California.  The parties hereby
consent to such jurisdiction and venue.

     13.12   Attorneys' Fees.  If any legal action is brought to construe or
             ---------------
enforce any provision of this Agreement, the prevailing party shall be entitled
to receive its reasonable attorneys' fees and court costs in addition to any
other relief it may receive.

     13.13   Counterparts.  This Agreement may be executed in one or more
             ------------
counterparts, each of which shall be deemed an original and all of which shall
be taken together and deemed to be one instrument.

                                       13
<PAGE>

     IN WITNESS WHEREOF, each of the parties hereto have executed this Agreement
as of the date first written above.

HUB                                   BIGBALLOT

By:  /s/ Frank W. Denny               By   /s/ Jeff Gehl
   --------------------                 -------------------------------
                                      Jeff Gehl, President
Title:  President and CEO
        -----------------

Date:  1/14/2000                      Date:   1/14/2000
       ---------                              ---------

                                       14
<PAGE>

                          STATEMENT OF WORK NO. _____
               (describe Services or Compensated Services below)

AGREED TO:                               AGREED TO:

The BigHub.com, Inc.                     The BigBallot. com, Inc.

By: ___________________________       By_____________________________

Its:___________________________       Its:___________________________

Date:__________________________       Date:__________________________

                                       15
<PAGE>

                                SCHEDULE 1.1(a)

                                  Time Frame

                                       16<PAGE>

                                 EXHIBIT 10.2

                        STANCORP FINANCIAL GROUP, INC.
                       1999 OMNIBUS STOCK INCENTIVE PLAN

     1.   Purpose. The purpose of this Stock Incentive Plan (the "Plan") is to
enable StanCorp Financial Group, Inc. an Oregon corporation (the "Company") to
attract and retain the services of (a) employees, officers and directors of the
Company or of any subsidiary of the Company, (b) selected nonemployee agents,
consultants, advisors, persons involved in the sale or distribution of the
products of the Company or any subsidiary and independent contractors of the
Company or any subsidiary, (c) non-employee directors of the Company, and (d)
non-employees to whom an offer of employment has been extended.

     2.   Shares Subject to the Plan. The shares to be offered under the Plan
shall consist of Common Stock of the Company. Subject to adjustment as provided
below and in Section 14, the total number of shares of Common Stock that may be
issued under the Plan shall not exceed 5% of the number of shares outstanding
after the closing of the Company's initial public offering (including shares
issued on exercise of the underwriter's overallotment option). The shares issued
under the Plan may be authorized and unissued shares or reacquired shares. If an
option, stock appreciation right or performance unit granted under the Plan
expires, terminates or is cancelled, the unissued shares subject to such option,
stock appreciation right or performance unit shall again be available under the
Plan. If shares sold or awarded as a bonus under the Plan are forfeited to the
Company or repurchased by the Company, the number of shares forfeited or
repurchased shall again be available under the Plan.

     3.   Effective Date and Duration of Plan.

          3.1  Effective Date. The Plan shall become effective when adopted by
the Board of Directors of the Company, but no Incentive Stock Option granted
under the Plan shall become exercisable until the Plan is approved by the
affirmative vote of the holders of a majority of the shares of Common Stock
represented at a shareholders meeting at which a quorum is present. Any
Incentive Stock Options granted under the Plan prior to the receipt of
shareholder approval shall be conditioned on and subject to such approval.
Subject to the foregoing limitations, options, stock appreciation rights and
performance units may be granted and shares may be awarded as bonuses or sold
under the Plan at any time after the effective date and before termination of
the Plan.

          3.2  Duration. The Plan shall continue in effect until all shares
available for issuance under the Plan have been issued and all restrictions on
such shares have lapsed. The Board of Directors may suspend or terminate the
Plan at any time except with respect to options, performance units and shares
subject to restrictions then outstanding under the Plan. Termination shall not
affect any outstanding options, any right of the Company to repurchase shares or
the forfeitability of shares issued under the Plan.

                                       1
<PAGE>

     4.   Administration.

          4.1  Board of Directors. The Plan shall be administered by the Board
of Directors of the Company, which shall determine and designate from time to
time the individuals to whom awards shall be made, the amount of the awards and
the other terms and conditions of the awards. Subject to the provisions of the
Plan, the Board of Directors may from time to time adopt and amend rules and
regulations relating to administration of the Plan, advance the lapse of any
waiting period, accelerate any exercise date, waive or modify any restriction
applicable to shares (except those restrictions imposed by law) and make all
other determinations in the judgment of the Board of Director necessary or
desirable for the administration of the Plan. The Board of Directors may correct
any defect or supply any omission or reconcile any inconsistency in the Plan or
in any related agreement in the manner and to the extent it shall deem expedient
to carry the Plan into effect, and it shall be the sole and final judge of such
expediency.

          Any action taken by, or inaction of, the Company or any of its
subsidiaries or the Board of Directors relating or pursuant to this Plan,
including but not limited to the interpretation and construction of the
provisions of the Plan and related agreements by the Board of Directors, shall
be within the absolute discretion of that entity or body' and shall be
conclusive and binding upon all persons. Subject only to the express provisions
of the Plan, the Board of Directors may act in its absolute discretion in
matters within its authority related to the Plan. In making any determination or
in taking or not taking any action under the Plan, the Board of Directors may
obtain and rely upon the advice of experts, including professional advisors to
the Company. No director, officer or agent of the Company will be liable for any
such action or determination taken or made or omitted in good faith.

          4.2  Committee. The Board of Directors may delegate to a committee
comprised solely of two or more members of the Board of Directors or specified
officers of the Company, or both (the "Committee") any or all authority for
administration of the Plan. If authority is delegated to a Committee, all
references to the Board of Directors in the Plan shall mean and relate to the
Committee except (i) as otherwise provided by the Board of Directors, (ii) that
only the Board of Directors may amend or terminate the Plan as provided in
Sections 3 and 17, and (iii) that a Committee including officers of the Company
shall not be permitted to grant options to persons who are officers of the
Company. If awards are to be made under the Plan to directors or officers who
are subject to Section 16(a) of the Securities Exchange Act of 1934, as amended,
authority for selection of such directors and officers for participation and
decisions concerning the timing, pricing and amount of a grant or award, if not
determined under a formula meeting the requirements of Rule 16b-3 under the
Securities Exchange Act of 1934, as amended, shall be delegated to a committee
consisting of two or more disinterested directors.

     5.   Types of Awards. The Board of Directors may, from time to time, take
the following actions, separately or in combination, under the Plan:

                                       2
<PAGE>

          5.1  Grant Incentive Stock Options, as defined in Section 422 of the
Internal Revenue Code of 1986, as amended (the "Code"), as provided in Sections
7.1 and 7.2;

          5.2  Grant options other than Incentive Stock Options ("Non-Statutory
Stock Options") as provided in Sections 7.1 and 7.3;

          5.3  Award stock bonuses as provided in Section 8;

          5.4  Sell shares subject to restrictions as provided in Section 9;

          5.5  Grant stock appreciation rights as provided in Section 10;

          5.6  Grant cash bonus rights as provided in Section 11;

          5.7  Grant performance units as provided in Section 12; and

          5.8  Grant foreign qualified awards as provided in Section 13.

     6.   Eligibility. Awards may be made to regular employees in good
standing, working at least 20 hours per week and do not have a status of
"Inactive Disability", including employees who are officers or directors, and to
other individuals described in Section 1 who the Board of Directors believes
have made or will make an important contribution to the Company or any
subsidiary of the Company; provided, however, that only employees of the Company
shall be eligible to receive Incentive Stock Options under the Plan. The Board
of Directors shall select the individuals to whom awards shall be made and shall
specify the action taken with respect to each individual to whom an award is
made. At the discretion of the Board of Directors, an individual may be given an
election to surrender an award in exchange for the grant of a new award.

     7.   Option Grants.

          7.1  General Rules Relating to Options.

               7.1.1  Terms of Grant. The Board of Directors may grant options
                      --------------
     under the Plan. With respect to each option grant, the Board of Directors
     shall determine the number of shares subject to the option, the option
     price, the period of the option, the time or times at which the option may
     be exercised and whether the option is an Incentive Stock Option or a
     Non-Statutory Stock Option. At the time of the grant of an option or at any
     time thereafter, the Board of Directors may provide that an optionee who
     exercised an option with Common Stock of the Company shall automatically
     receive a new option to purchase additional shares equal to the number of
     shares surrendered and may specify the terms and conditions of such new
     options.

               7.1.2  Exercise of Options. Except as provided in Section 7.1.4
                      -------------------
     or as determined by the Board of Directors, no option granted under the
     Plan may be

                                       3
<PAGE>

     exercised unless at the time of such exercise the optionee is employed on
     a regular basis, working at least 20 hours or more per week or in the
     service of the Company or any subsidiary of the Company and shall have been
     so employed or provided such service continuously since the date such
     option was granted. Absence on authorized leave or on account of illness or
     disability under rules established by the Board of Directors shall not,
     however, be deemed an interruption of employment or service for this
     purpose. Unless otherwise determined by the Board of Directors, vesting of
     options shall continue during an absence on authorized leave (including
     an extended illness) or on account of disability. Except as provided in
     Sections 7.1.4, 14 and 15, options granted under the Plan may be exercised
     from time to time over the period stated in each option in such amounts and
     at such times as shall be prescribed by the Board of Directors; provided,
     that options shall not be exercised for fractional shares. Unless otherwise
     determined by the Board of Directors, if the optionee does not exercise
     an option in any one year with respect to the full number of shares to
     which the optionee is entitled in that year, the optionee's rights shall
     be cumulative and the optionee may purchase those shares in any subsequent
     year during the term of the option.

               7.1.3  Nontransferability. Each Incentive Stock Option and,
                      ------------------
     unless otherwise determined by the Board of Directors, each other option
     granted under the Plan by its terms shall be nonassignable and
     nontransferable by the optionee, either voluntarily or by operation of law,
     except by will or by the laws of descent and distribution of the state or
     country of the optionee's domicile at the time of death.

               7.1.4  Termination of Employment or Service.
                      -------------- ---------------------

                      7.1.4.1  General Rule. Unless otherwise determined by the
          Board of Directors, if the employment or service with the Company or a
          subsidiary of an optionee terminates for any reason other than Total
          Disability, death, Retirement, resignation or termination by the
          Company without cause (each as set forth below), any options (or
          portion thereof) held by such optionee shall immediately terminate.

                      7.1.4.2  Termination By Reason of Total Disability.
          Unless otherwise determined by the Board of Directors, if an
          optionee's employment or service terminates by reason of the
          optionee's Total Disability (as defined below), any options held by
          such optionee shall become fully exercisable and may be exercised at
          any time prior to the expiration date of the option(s) or the
          expiration of 12 months after the date of such termination, whichever
          is the shorter period. "Total Disability" means a physical or mental
          impairment which is expected to result in death or which has lasted or
          is expected to last for a continuous period of 12 months or more and
          which causes the optionee to be unable, in the opinion of the Company,
          to perform his or her duties as an employee, director, officer or
          consultant of the Company or any subsidiary and to be engaged in any
          substantial gainful

                                       4
<PAGE>

          activity. Total Disability shall be deemed to have occurred on the
          first day after the Company has made a determination of Total
          Disability.

                      7.1.4.3  Termination by Reason of Death. Unless otherwise
          determined by the Board of Directors, if an optionee dies while
          employed by or providing service to the Company or a subsidiary, any
          options held by such optionee shall become fully exercisable and may
          be exercised at any time prior to the expiration date of the
          option(s) or the expiration of 12 months after the date of death,
          whichever is the shorter period, only by the person or persons to whom
          such optionee's rights under the option(s) shall pass by the
          optionee's will or by the laws of descent and distribution of the
          state or country of the optionee's domicile at the time of death.

                      7.1.4.4  Termination by Reason of Resignation. If an
          optionee resigns from employment or providing services to the Company
          or a subsidiary, such optionee may exercise his or her option(s) at
          any time prior to the expiration date of the option(s) or the
          expiration of 90 days after the date of termination, whichever is the
          shorter period, but only if and to the extent the optionee was
          entitled to exercise the option(s) at the date of termination;
          provided, however, the Board of Directors may in its sole discretion
          at the time of grant, at the time of termination or at any other time
          shorten, extend or otherwise modify or terminate such exercise period.

                      7.1.4.5  Termination by the Company Without Cause. If the
          Company or a subsidiary terminates the employment of or the provision
          of services by an optionee without cause, such optionee may exercise
          his or her option(s) at any time prior to the expiration date of the
          option(s) or the expiration 90 days after the date of termination,
          whichever is the shorter period; provided, however, that the Board of
          Directors may in its sole discretion at the time of grant, the time
          of termination or any other time shorten, extend or otherwise modify
          or terminate such exercise period. The Board of Directors shall
          determine in its sole and absolute discretion whether an optionee has
          been terminated without cause.

                      7.1.4.6  Termination by Reason of Retirement. Unless
          otherwise determined by the Board of Directors and except as provided
          in Section 7.2.6, if an optionee terminates employment by or service
          with the Company by reason of "Retirement", such optionee may
          exercise his or her option(s) at any time prior to the expiration date
          of the option(s) or the expiration of three years after the date of
          termination, whichever is the shorter period. Any options held by
          such optionee shall continue to vest according to the terms of their
          grant, except as provided in Section 7.2.6. "Retirement" means
          voluntary retirement with the consent of the Company under any of
          the Company's retirement plans.

                                       5
<PAGE>

                      7.1.4.7  Amendment of Exercise Period Applicable to
          Termination. The Board of Directors, at the time of grant or at
          any time thereafter, may extend the above-described exercise periods
          any length of time not longer than the original expiration date of the
          option, and may increase the portion of an option that is exercisable,
          subject to such terms and conditions as the Board of Directors may
          determine.

                      7.1.4.8  Failure to Exercise Option. To the extent that
          the option of any deceased optionee or of any optionee whose
          employment or service terminates is not exercised within the
          applicable period, all further rights to purchase shares pursuant to
          such option shall cease and terminate.

               7.1.5  Purchase of Shares. Unless the Board of Directors
                      ------------------
     determines otherwise, shares may be acquired pursuant to an option granted
     under the Plan only upon receipt by the Company of notice in writing from
     the optionee of the optionee's intention to exercise, specifying the
     number of shares as to which the optionee desires to exercise the option
     and the date on which the optionee desires to complete the transaction,
     and if required in order to comply with the Securities Act of 1933, as
     amended, containing a representation that it is the optionee's present
     intention to acquire the shares for investment and not with a view to
     distribution. In addition, unless the Board of Directors determines
     otherwise, any shares acquired by the optionee shall be subject to any
     stock transfer restrictions in any agreement then in effect among the
     holders of the Company's Common Stock, and the exercise of an option shall
     not be effective until the optionee has signed and delivered a signature
     page to such stock transfer restriction agreement.

               7.1.6  Payment of Exercise Price. Unless the Board of Directors
                      -------------------------
     determines otherwise, on or before the date specified for completion
     of the purchase of shares pursuant to an option, the optionee must have
     paid the Company the full purchase price of such shares in cash or, with
     the consent of the Board of Directors, in whole or in part, in Common Stock
     of the Company valued at fair market value, restricted stock, performance
     units or other contingent awards denominated in either stock or cash,
     promissory notes and other forms of consideration. The fair market value of
     Common Stock provided in payment of the purchase price shall be
     determined by the Board of Directors. If the Common Stock of the Company is
     not publicly traded on the date the option is exercised, the Board of
     Directors may consider any valuation methods it deems appropriate and may,
     but is not required to, obtain one or more independent appraisals of the
     Company. If the Common Stock of the Company is publicly traded on the
     date the option is exercised, the fair market value of Common Stock
     provided in payment of the purchase price shall be the closing price of a
     share of Common Stock shown in the New York Stock Exchange Composite
     Transactions Listing as published in The Wall Street Journal on the trading
                                          -----------------------
     day preceding the date the option is exercised, or such other reported
     value of the Common Stock as shall be specified by the Board of Directors.

                                       6
<PAGE>

          With the consent of the Board of Directors, an optionee may request
     the Company to apply automatically the shares to be received upon the
     exercise of a portion of an option (even though stock certificates have not
     yet been issued) to satisfy the purchase price for additional portions of
     the option.

          In addition to the payment methods described above, the Board of
     Directors may provide that an option may be exercised and payment made by
     delivering a properly executed exercise notice together with irrevocable
     instructions to a broker to deliver promptly to the Company the amount of
     sale proceeds necessary to pay the exercise price and, unless otherwise
     prohibited by the Board of Directors or applicable law, any applicable
     tax withholding under Section 7.1.7. The Company will not be obligated
     to deliver certificates for the shares or make book entries denoting
     ownership of the shares unless and until it receives full payment of the
     exercise price therefor and any related withholding obligations have been
     satisfied.

               7.1.7  Payment of Applicable Withholding. Each optionee who has
                      ---------------------------------
     exercised an option shall immediately upon notification of the amount due,
     if any, pay to the Company in cash amounts necessary to satisfy any
     applicable federal, state and local tax withholding requirements. If
     additional withholding is or becomes required beyond any amount deposited
     before delivery of the certificates, the optionee shall pay such amount to
     the Company on demand. If the optionee fails to pay the amount demanded,
     the Company may withhold that amount from other amounts payable by the
     Company to the optionee, including salary, subject to applicable law. With
     the consent of the Board of Directors an optionee may satisfy this
     obligation, in whole or in part, by having the Company withhold from the
     shares to be issued upon the exercise that number of shares that would
     satisfy the withholding amount due or by delivering to the Company Common
     Stock to satisfy the withholding amount.

               7.1.8  Effect of Exercise. Upon the exercise of an option, the
                      ------------------
     number of shares reserved for issuance under the Plan shall be reduced by
     the number of shares issued upon exercise of the option.

          7.2  Incentive Stock Options. Incentive Stock Options shall be subject
to the following additional terms and conditions:

               7.2.1  Limitation on Amount of Grants. No employee may be granted
                      ------------------------------
     Incentive Stock Options under the Plan if the aggregate fair market value,
     on the date of grant, of the Common Stock with respect to which Incentive
     Stock Options are exercisable for the first time by that employee during
     any calendar year under the Plan and under any other incentive stock option
     plan (within the meaning of Section 422 of the Code) of the Company or any
     parent or subsidiary of the Company exceeds $100,000.

               7.2.2  Limitations on Grants to 10% Shareholders. An Incentive
                      -----------------------------------------
     Stock Option may be granted under the Plan to an employee possessing more
     than

                                       7
<PAGE>

     10% of the total combined voting power of all classes of stock of the
     Company or of any parent or subsidiary of the Company only if the option
     price is at least 110% of the fair market value of the Common Stock subject
     to the option on the date it is granted, as described in Section 7.2.4,
     and the option by its terms is not exercisable after the expiration of
     five years from the date it is granted.

               7.2.3  Duration of Options. Subject to Sections 7.1.2, 7.1.4 and
                      -------------------
     7.2.2, Incentive Stock Options granted under the Plan shall continue in
     effect for the period fixed by the Board of Directors, except that no
     Incentive Stock Option shall be exercisable after the expiration of 10
     years from the date it is granted.

               7.2.4  Option Price. The option price per share shall be
                      ------------
     determined by the Board of Directors at the time of grant. Except as
     provided in Section 7.2.2, the option price shall not be less than 100% of
     the fair market value of the Common Stock at the date the option is
     granted. The fair market value shall be determined by the Board of
     Directors. If the Common Stock of the Company is not publicly traded on the
     date the option is granted, the Board of Directors may consider any
     valuation methods it deems appropriate and may, but is not required to,
     obtain one or more independent appraisals of the Company. If the Common
     Stock of the Company is publicly traded on the date the option is granted,
     the fair market value shall be deemed to be the closing price of a share of
     Common Stock as shown on the New York Stock Exchange Composite Transactions
     Listing, as published in The Wall Street Journal on the day preceding the
                              -----------------------
     date the option is granted, or if there has been no sale on that date, on
     the last preceding date on which a sale occurred, or such other value of
     the Common Stock as shall be specified by the Board of Directors.

               7.2.5  Limitation on Time of Grant. No Incentive Stock Option
                      ---------------------------
     shall be granted on or after the tenth anniversary of the effective date of
     the Plan.

               7.2.6  Exercise Period Upon Termination By Reason of Retirement.
                      --------------------------------------------------------
     Notwithstanding the provisions of Section 7.1.4.5, unless otherwise
     determined by the Board of Directors, if an optionee holding an Incentive
     Stock Option terminates employment by or service with the Company by reason
     of Retirement, such optionee may exercise his or her Incentive Stock
     Option(s) at any time prior to the expiration date of the option(s) or the
     expiration of 90 days after the date of termination, whichever is the
     shorter period.

               7.2.7  Conversion of Incentive Stock Options. The Board of
                      -------------------------------------
     Directors may at any time without the consent of the optionee convert an
     Incentive Stock Option to a Non-Statutory Stock Option.

          7.3  Non-Statutory Stock Options. Non-Statutory Stock Options shall be
subject to the following terms and conditions in addition to those set forth in
Section 7.1 above:

                                       8
<PAGE>

               7.3.1  Option Price. The option price for Non-Statutory Stock
                      ------------
     Options shall be determined by the Board of Directors at the time of grant
     and may be any amount determined by the Board of Directors.

               7.3.2  Duration of Options. Non-Statutory Stock Options granted
                      -------------------
     under the Plan shall continue in effect for the period fixed by the Board
     of Directors.

     8.   Stock Bonuses. The Board of Directors may award shares under the Plan
as stock bonuses. Shares awarded as a bonus shall be subject to the terms,
conditions, and restrictions determined by the Board of Directors. The
restrictions may include restrictions concerning transferability and forfeiture
of the shares awarded, together with such other restrictions as may be
determined by the Board of Directors. If shares are subject to forfeiture, all
dividends or other distributions paid by the Company with respect to the shares
shall be retained by the Company until the shares are no longer subject to
forfeiture, at which time all accumulated amounts shall be paid to the
recipient. The Board of Directors may require the recipient to sign an agreement
as a condition of the award, but may not require the recipient to pay any
monetary consideration other than amounts necessary to satisfy tax withholding
requirements. The agreement may contain any terms, conditions, restrictions,
representations and warranties required by the Board of Directors. The
certificates representing the shares awarded shall bear any legends required by
the Board of Directors. The Company may require any recipient of a stock bonus
to pay to the Company in cash upon demand amounts necessary to satisfy any
applicable federal, state or local tax withholding requirements. If the
recipient fails to pay the amount demanded, the Company may withhold that
amount from other amounts payable by the Company to the recipient, including
salary or fees for services, subject to applicable law. With the consent of the
Board of Directors, a recipient may deliver Common Stock to the Company to
satisfy this withholding obligation. Upon the issuance of a stock bonus, the
number of shares reserved for issuance under the Plan shall be reduced by the
number of shares issued.

     9.   Restricted Stock. The Board of Directors may issue shares under the
Plan for such consideration (including promissory notes and services) as
determined by the Board of Directors. Shares issued under the Plan shall be
subject to the terms, conditions and restrictions determined by the Board of
Directors. The restrictions may include restrictions concerning transferability,
repurchase by the Company and forfeiture of the shares issued, together with
such other restrictions as may be determined by the Board of Directors. If
shares are subject to forfeiture or repurchase by the Company, all dividends or
other distributions paid by the Company with respect to the shares shall be
retained by the Company until the shares are no longer subject to forfeiture or
repurchase, at which time all accumulated amounts shall be paid to the
recipient. All Common Stock issued pursuant to this Section 9 shall be subject
to a purchase agreement, which shall be executed by the Company and the
prospective recipient of the shares prior to the delivery of certificates
representing such shares to the recipient. The purchase agreement may contain
any terms, conditions, restrictions, representations and warranties required by
the Board of Directors. The certificates, if any, representing the shares shall
bear any legends required by the Board of Directors. The Company may require any
purchaser of restricted stock to pay to the Company in cash upon demand amounts
necessary to satisfy any applicable federal, state or

                                       9
<PAGE>

local tax withholding requirements . If the purchaser fails to pay the amount
demanded, the Company may withhold that amount from other amounts payable by the
Company to the purchaser, including salary, subject to applicable law. With the
consent of the Board of Directors, a purchaser may deliver Common Stock to the
Company to satisfy this withholding obligation. Upon the issuance of restricted
stock, the number of shares reserved for issuance under the Plan shall be
reduced by the number of shares issued.

     10.  Stock Appreciation Rights.

          10.1  Grant. Stock appreciation rights may be granted under the Plan
by the Board of Directors, subject to such rules, terms, and conditions as the
Board of Directors prescribes.

          10.2  Exercise.

                10.2.1 Each stock appreciation right shall entitle the holder,
     upon exercise, to receive from the Company in exchange therefor an amount
     equal in value to the excess of the fair market value on the date of
     exercise of one share of Common Stock of the Company over its fair market
     value on the date of grant (or, in the case of a stock appreciation right
     granted in connection with an option, the excess of the fair market value
     of one share of Common Stock of the Company over the option price per share
     under the option to which the stock appreciation right relates), multiplied
     by the number of shares covered by the stock appreciation right or the
     option, or portion thereof, that is surrendered. No stock appreciation
     right shall be exercisable at a time that the amount determined under this
     subsection is negative. Payment by the Company upon exercise of a stock
     appreciation right may be made in Common Stock valued at fair market value,
     in cash, or partly in Common Stock and partly in cash, all as determined by
     the Board of Directors.

                10.2.2 A stock appreciation right shall be exercisable only at
     the time or times established by the Board of Directors. If a stock
     appreciation right is granted in connection with an option, the following
     rules shall apply: (1) the stock appreciation right shall be exercisable
     only to the extent and on the same conditions that the related option could
     be exercised; (2) upon exercise of the stock appreciation right, the option
     or portion thereof to which the stock appreciation right relates
     terminates; and (3) upon exercise of the option, the related stock
     appreciation right or portion thereof terminates.

                10.2.3 The Board of Directors may withdraw any stock
     appreciation right granted under the Plan at any time and may impose any
     conditions upon the exercise of a stock appreciation right or adopt rules
     and regulations from time to time affecting the rights of holders of stock
     appreciation rights. Such rules and regulations may govern the right to
     exercise stock appreciation rights granted prior to adoption or amendment
     of such rules and regulations as well as stock appreciation rights granted
     thereafter.

                                       10
<PAGE>

               10.2.4 For purposes of this Section 10, the fair market value of
     the Common Stock shall be determined as of the date the stock appreciation
     right is exercised, under the methods set forth in Section 7.2.4.

               10.2.5 No fractional shares shall be issued upon exercise of a
     stock appreciation right. In lieu thereof, cash may be paid in an amount
     equal to the value of the fraction or, if the Board of Directors shall
     determine, the number of shares may be rounded downward to the next whole
     share.

               10.2.6 Each stock appreciation right granted in connection with
     an Incentive Stock Option, and unless otherwise determined by the Board of
     Directors, each other stock appreciation right granted under the Plan by
     its terms shall be nonassignable and nontransferable by the holder, either
     voluntarily or by operation of law, except by will or by the laws of
     descent and distribution of the state or country of the holder's domicile
     at the time of death, and each stock appreciation right by its terms shall
     be exercisable during the holder's lifetime only by the holder.

               10.2.7 Each participant who has exercised a stock appreciation
     right shall, upon notification of the amount due, pay to the Company in
     cash amounts necessary to satisfy any applicable federal, state and local
     tax withholding requirements. If the participant fails to pay the amount
     demanded, the Company may withhold that amount from other amounts payable
     by the Company to the participant including salary, subject to applicable
     law. With the consent of the Board of Directors a participant may satisfy
     this obligation, in whole or in part, by having the Company withhold from
     any shares to be issued upon the exercise that number of shares that would
     satisfy the withholding amount due or by delivering Common Stock to the
     Company to satisfy the withholding amount.

               10.2.8 Upon the exercise of a stock appreciation right for
     shares, the number of shares reserved for issuance under the Plan shall be
     reduced by the number of shares issued. Cash payments of stock appreciation
     rights shall not reduce the number of shares of Common Stock reserved for
     issuance under the Plan.

     11.  Cash Bonus Rights.

          11.1  Grant. The Board of Directors may grant cash bonus rights under
the Plan in connection with (i) options granted or previously granted, (ii)
stock appreciation rights granted or previously granted, (iii) stock bonuses
awarded or previously awarded and (iv) shares sold or previously sold under the
Plan. Cash bonus rights will be subject to rules, terms and conditions as the
Board of Directors may prescribe. Unless otherwise determined by the Board of
Directors, each cash bonus right granted under the Plan by its terms shall be
nonassignable and nontransferable by the holder, either voluntarily or by
operation of law, except by will or by the laws of descent and distribution of
the state or country of the holder's domicile at the time of death. The payment
of a cash bonus shall not reduce the number of shares of Common Stock reserved
for issuance under the Plan.

                                       11
<PAGE>

          11.2  Cash Bonus Rights in Connection With Options. A cash bonus right
granted in connection with an option will entitle an optionee to a cash bonus
when the related option is exercised (or terminates in connection with the
exercise of a stock appreciation right related to the option) in whole or in
part. If an optionee purchases shares upon exercise of an option and does not
exercise a related stock appreciation right, the amount of the bonus shall be
determined by multiplying the excess of the total fair market value of the
shares to be acquired upon the exercise over the total option price for the
shares by the applicable bonus percentage. If the optionee exercises a related
stock appreciation right in connection with the termination of an option, the
amount of the bonus shall be determined by multiplying the total fair market
value of the shares and cash received pursuant to the exercise of the stock
appreciation right by the applicable bonus percentage. The bonus percentage
applicable to a bonus right shall be determined from time to time by the Board
of Directors but shall in no event exceed 75%.

          11.3  Cash Bonus Rights in Connection With Stock Bonus. A cash bonus
right granted in connection with a stock bonus will entitle the recipient to a
cash bonus payable when the stock bonus is awarded or restrictions, if any, to
which the stock is subject lapse. If bonus stock awarded is subject to
restrictions and is repurchased by the Company or forfeited by the holder, the
cash bonus right granted in connection with the stock bonus shall terminate and
may not be exercised. The amount and timing of payment of a cash bonus shall be
determined by the Board of Directors.

          11.4  Cash Bonus Rights in Connection With Stock Purchases. A cash
bonus right granted in connection with the purchase of stock pursuant to Section
9 will entitle the recipient to a cash bonus when the shares are purchased or
restrictions, if any, to which the stock is subject lapse. Any cash bonus right
granted in connection with shares purchased pursuant to Section 9 shall
terminate and may not be exercised in the event the shares are repurchased by
the Company or forfeited by the holder pursuant to applicable restrictions. The
amount of any cash bonus to be awarded and timing of payment of a cash bonus
shall be determined by the Board of Directors.

          11.5  Taxes. The Company shall withhold from any cash bonus paid
pursuant to Section 11 the amount necessary to satisfy any applicable federal,
state and local withholding requirements.

     12.  Performance Units. The Board of Directors may grant performance units
consisting of monetary units which may be earned in whole or in part if the
Company achieves certain goals established by the Board of Directors over a
designated period of time, but not in any event more than 10 years. The goals
established by the Board of Directors may include earnings per share, return on
shareholders' equity, return on invested capital, and such other goals as may be
established by the Board of Directors. In the event that the minimum performance
goal established by the Board of Directors is not achieved at the conclusion of
a period, no payment shall be made to the participants. In the event the maximum
corporate goal is achieved, 100% of the monetary value of the performance units
shall be paid to or vested in the participants. Partial achievement of the
maximum goal may

                                       12
<PAGE>

result in a payment or vesting corresponding to the degree of achievement as
determined by the Board of Directors. Payment of an award earned may be in cash
or in Common Stock or in a combination of both, and may be made when earned, or
vested and deferred, as the Board of Directors determines. Deferred awards shall
earn interest on the terms and at a rate determined by the Board of Directors.
Unless otherwise determined by the Board of Directors, each performance unit
granted under the Plan by its terms shall be nonassignable and nontransferable
by the holder, either voluntarily or by operation of law, except by will or by
the laws of descent and distribution of the state or country of the holder's
domicile at the time of death. Each participant who has been awarded a
performance unit shall, upon notification of the amount due, pay to the Company
in cash amounts necessary to satisfy any applicable federal, state and local tax
withholding requirements. If the participant fails to pay the amount demanded,
the Company may withhold that amount from other amounts payable by the Company
to the participant, including salary or fees for services, subject to applicable
law. With the consent of the Board of Directors a participant may satisfy this
obligation, in whole or in part, by having the Company withhold from any shares
to be issued that number of shares that would satisfy the withholding amount due
or by delivering Common Stock to the Company to satisfy the withholding amount.
The payment of a performance unit in cash shall not reduce the number of shares
of Common Stock reserved for issuance under the Plan. The number of shares
reserved for issuance under the Plan shall be reduced by the number of shares
issued upon payment of an award.

     13.  Foreign Qualified Grants. Awards under the Plan may be granted to such
officers and employees of the Company and its subsidiaries and such other
persons described in Section 1 residing in foreign jurisdictions as the Board of
Directors may determine from time to time. The Board of Directors may adopt
such supplements to the Plan as may be necessary to comply with the applicable
laws of such foreign jurisdictions and to afford participants favorable
treatment under such laws; provided, however, that no award shall be granted
under any such supplement with terms which are more beneficial to the
participants than the terms permitted by the Plan.

     14.  Stock Splits; Combinations; Dividends. If the outstanding Common Stock
of the Company is hereafter increased or decreased or changed into or exchanged
for a different number or kind of shares or other securities of the Company by
reason of any stock split, combination of shares, reorganization,
recapitalization, reclassification, or dividend payable in shares, appropriate
adjustment shall be made by the Board of Directors in the number and kind of
shares available for awards under the Plan. In addition, the Board of Directors
shall make appropriate adjustment in the number and kind of shares as to which
outstanding options and stock appreciation rights, or portions thereof then
unexercised, shall be exercisable, so that the optionee's proportionate interest
before and after the occurrence of the event is maintained. Notwithstanding the
foregoing, the Board of Directors shall have no obligation to effect any
adjustment that would or might result in the issuance of fractional shares, and
any fractional shares resulting from any adjustment may be disregarded or
provided for in any manner determined by the Board of Directors. Any such
adjustments made by the Board of Directors shall be conclusive.

                                       13
<PAGE>

     15.  Acceleration of Awards upon Change in Control.

          15.1    Unless prior to a Change in Control Event (as defined in
Section 15.2), the Board of Directors determines that, upon its occurrence
benefits under awards made pursuant to this Plan will not accelerate or
determines that only certain or limited benefits under awards made pursuant to
this Plan will be accelerated and the extent to which they will be accelerated,
or establishes a different time in respect of such event for such acceleration,
then upon the occurrence of a Change in Control Event:

          15.1.1  Each option and stock appreciation right will become
     immediately exercisable;

          15.1.2  Restricted stock will immediately vest free of restrictions;

          15.1.3  Each performance share award will become payable to the
     participant;

provided, however, that in no event will any award be accelerated as to any
Section 16 Person to a date less than six months after the award date of such
award. A "Section 16 Person" means a person subject to Section 16(a) of the
Securities Exchange Act of 1934, as amended (the "Exchange Act").

          The Board of Directors may override the limitations on acceleration in
this Section 15 by express provision in the award agreement of any participant
and may accord any participant a right to refuse any acceleration, whether
pursuant to an award agreement or otherwise, in such circumstances as the Board
of Directors may approve. Any acceleration of awards will comply with all
applicable legal requirements.

          15.2    "Change in Control Event" shall have occurred if:

                15.2.1 Any "Person," as such term is used in Sections 13(d) and
     14(d) of the Securities Exchange Act of 1934, as amended (the "Exchange
     Act") (other than the Company, any trustee or other fiduciary holding
     securities under an employee benefit plan of the Company, or any company
     owned, directly or indirectly, by the shareholders of the Company in
     substantially the same proportions as their ownership of stock of the
     Company), is or becomes the "beneficial owner" (as defined in Rule 13d-3
     under the Exchange Act), directly or indirectly, of securities of the
     Company representing 30% or more of the combined voting power of the
     Company's then outstanding securities;

                15.2.2 The shareholders of the Company approve a merger or other
     consolidation of the Company with any other company, other than (a) a
     merger or consolidation which would result in the voting securities of the
     Company outstanding immediately prior thereto continuing to represent
     (either by remaining outstanding or by being converted into voting
     securities of the surviving entity) 51% or more of the combined voting
     power of the voting securities of the Company or such surviving entity
     outstanding immediately after such merger or consolidation or (b) a merger
     or

                                       14
<PAGE>

     consolidation effected to implement a recapitalization of the Company (or
     similar transaction) in which no Person acquires more than 30% of the
     combined voting power of the Company's then outstanding securities;

                15.2.3  The shareholders of the Company approve an agreement for
     the sale or disposition by the Company of all or substantially all of its
     assets;

                15.2.4  A tender or exchange offer is made for Common Stock (or
     securities convertible into Common Stock) of the Company and such offer
     results in a portion of those securities being purchased and the offeror
     after the consummation of the offer is the beneficial owner (as determined
     pursuant to Section 13(d) of the Exchange Act), directly or indirectly, of
     securities representing at least 30% of the voting power of outstanding
     securities of the Company;

                15.2.5  During any period of twelve months or less, individuals
     who at the beginning of such period constituted a majority of the Board
     cease for any reason to constitute a majority of the Board unless the
     nomination or election of such new directors was approved by a vote of at
     least two-thirds of the directors then still in office who were directors
     at the beginning of such period;

                15.2.6  Any other event or combination of events which the
     Board, acting in its sole discretion, determines to be a "Change of
     Control" for purposes of this Agreement;

          15.3  If any option or other right to acquire Common Stock under this
Plan has been fully accelerated as permitted by Section 15.1 but is not
exercised prior to (a) a dissolution of the Company, (b) an event described in
Section 15.2 that the Company does not survive or (c) the consummation of an
event described in Section 15.2 that results in a change in control approved by
the Board of Directors, such option or right will terminate, subject to any
provision that has been expressly made for the assumption, conversion,
substitution, survival, exchange or other settlement of such option or right.

     16.  Corporate Mergers, Acquisitions, etc. The Board of Directors may also
grant options, stock appreciation rights, performance units, stock bonuses and
cash bonuses and issue restricted stock under the Plan having terms, conditions
and provisions that vary from those specified in this Plan provided that any
such awards are granted in substitution for, or in connection with the
assumption of, existing options, stock appreciation rights, stock bonuses, cash
bonuses, restricted stock and performance units granted, awarded or issued by
another corporation and assumed or otherwise agreed to be provided for by the
Company pursuant to or by reason of a transaction (other than a Change of
Control Event as defined in Section 15.2) involving a corporate merger,
consolidation, acquisition of property or stock, separation, reorganization or
liquidation to which the Company or a subsidiary is a party.

     17.  Amendment of Plan. The Board of Directors may at any time, and from
time to time, modify or amend the Plan in such respects as it shall deem
advisable because

                                       15
<PAGE>

of changes in the law while the Plan is in effect or for any other reason;
provided, however, that except as provided in Sections 7.1.4, 7.2.6, 10, 14 and
15, no change in an award already granted shall be made without the written
consent of the holder of such award.

     18.  Approvals. The obligations of the Company under the Plan are subject
to the approval of state and federal authorities or agencies with jurisdiction
in the matter. The Company will use its best efforts to take steps required by
state or federal law or applicable regulations, including rules and regulations
of the Securities and Exchange Commission and any stock exchange on which the
Company's shares may then be listed, in connection with the grants under the
Plan. The foregoing notwithstanding, the Company shall not be obligated to issue
or deliver Common Stock under the Plan if such issuance or delivery would
violate applicable state or federal securities laws. Any securities delivered
under this Plan will be subject to such restrictions, and to any restrictions
the Board of Directors may require to preserve a pooling of interests under
generally accepted accounting principles, and the person acquiring such
securities will, if requested by the Company, provide such assurances and
representations to the Company as the Company may deem necessary or desirable to
assure compliance with all applicable legal requirements.

     19.  Employment and Service Rights. Nothing in the Plan or any award
pursuant to the Plan shall (i) confer upon any employee any right to be
continued in the employment of the Company or any subsidiary or interfere in any
way with the right of the Company or any subsidiary by whom such employee is
employed to terminate such employee's employment at any time, for any reason,
with or without cause, or to decrease such employee's compensation or benefits,
or (ii) confer upon any person engaged by the Company any right to be retained
or employed by the Company or to the continuation, extension, renewal, or
modification of any compensation, contract, or arrangement with or by the
Company.

     20.  Rights as a Shareholder. The recipient of any award under the Plan
shall have no rights as a shareholder with respect to any Common Stock until the
date of issue of such shares. Except as otherwise expressly provided in the
Plan, no adjustment shall be made for dividends or other rights for which the
record date occurs prior to the date such stock certificate is issued.

     21.  Plan Not Funded. Awards payable under this Plan will be payable in
shares or from the general assets of the Company, and no special or separate
reserve, fund or deposit will be made to assure payment of such awards. No
participant, beneficiary or other person will have any right, title or interest
in any fund or in any specific asset (including shares of Common Stock, except
as expressly otherwise provided) of the Company by reason of any award
hereunder. Neither the provisions of this Plan (or of any related documents),
nor the creation or adoption of this Plan, nor any action taken pursuant to the
provisions of this Plan will create, or be construed to create, a trust of any
kind or a fiduciary relationship between the Company and any participant,
beneficiary or other person. To the extent that a participant, beneficiary or
other person acquires a right to receive payment pursuant to any award
hereunder, such right will be no greater than the right of any unsecured general
creditor of the Company.

                                       16
<PAGE>

     22.  Notices. Any notices required or permitted to be given to holders of
awards pursuant to the Plan shall be in writing, addressed to the most recent
address on the Company's records, and shall be deemed to be effectively given
when (a) mailed by registered or certified mail with postage and fees prepaid,
(b) sent by overnight delivery service, (c) personally delivered, or (d) sent by
facsimile with confirmed transmission.

Date adopted by the Board of Directors: March 16, 1999
Date approved by the Sole Shareholder:  March 17, 1999
Amended: _____________, 1999 (Section 4.2)

                                       17

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