Document:

Exhibit 10.4

                                 LEASE AGREEMENT

                                     BETWEEN

                       JOHN BROADCANNON, LLC, AS LANDLORD

                                       AND

                             CORZON, INC., AS TENANT

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                                TABLE OF CONTENTS
                                -----------------

ARTICLE I......................................................................1

   DEMISED PREMISES............................................................1
      1.    Lessor's Demise....................................................1
      2.    Conditions.........................................................1

ARTICLE II.....................................................................1

   TERM........................................................................1

ARTICLE III....................................................................2

   RENT........................................................................2
      1.    Base Annual Rent...................................................2
      2.    Rental Payments....................................................2
      3.    Place of Payment...................................................2

ARTICLE IV.....................................................................2

   MECHANICS' LIENS............................................................2
      1.    No Lien............................................................2
      2.    Release of Lien....................................................3

ARTICLE V......................................................................3

   GOVERNING LAW, CUMULATIVE REMEDIES..........................................3
      1.    Governing Law......................................................3
      2.    Cumulative Remedies................................................3

ARTICLE VI.....................................................................3

   MUTUAL INDEMNIFICATIONS.....................................................3

ARTICLE VII....................................................................4

   INSURANCE...................................................................4
      1.    Lessee's Obligation................................................4
      2.    Lessor's Obligation................................................5
      3.    Destruction........................................................5

ARTICLE VIII...................................................................5

   ASSIGNMENT OR SUBLETTING....................................................5
      1.    Assignment or Subletting...........................................5
      2.    Release of Lessee..................................................6
      3.    Condition Precedent................................................6

ARTICLE IX.....................................................................6

   CONDEMNATION................................................................6
      1.    Condemnation.......................................................6

ARTICLE X......................................................................7

   SUBORDINATION AND ATTORNMENT................................................7
      1.    Subordination......................................................7
      2.    Attornment.........................................................7
      3.    Nondisturbance.....................................................7

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ARTICLE XI.....................................................................8

   DEFAULT.....................................................................8
      1.    Default............................................................8
      2.    Possession.........................................................8
      3.    Termination........................................................8
      4.    Landlord-Tenant Relationship Only..................................9
      5.    Default Period.....................................................9
      6.    Bankruptcy, Insolvency, Assignment for Benefit of Creditors........9

ARTICLE XII....................................................................9

   REPAIR AND MAINTENANCE OBLIGATIONS; ALTERATIONS AND IMPROVEMENTS............9
      1.    Repairs by the Lessor..............................................9
      2.    Repairs and Maintenance by the Lessee.............................10
      3.    Alterations, Improvements and Additions...........................10

ARTICLE XIII..................................................................11

   UTILITIES CHARGES & PERSONAL PROPERTY TAXES................................11
      1.    Charges for Electricity...........................................11
      2.    Utilities.........................................................11
      3.    Taxes.............................................................11

ARTICLE XIV...................................................................11

   ADDITIONAL COVENANTS OF LESSEE.............................................11
      1.    Legal Use.........................................................11
      2.    Insurance Claims..................................................11
      3.    Termination.......................................................12
      4.    Costs of Suits....................................................12

ARTICLE XV....................................................................12

   QUIET ENJOYMENT............................................................12

ARTICLE XVI...................................................................12

   RIGHT OF ENTRY.............................................................12

ARTICLE XVII..................................................................13

   DIRECTORY..................................................................13

ARTICLE XVIII.................................................................13

   BROKERAGE..................................................................13

ARTICLE XIX...................................................................13

   SECURITY DEPOSIT...........................................................13

ARTICLE XX....................................................................14

   USE OF PREMISES IN COMMON WITH OTHERS......................................14
      1.    Use of Parking Spaces.............................................14
      2.    Monitoring of Parking Spaces......................................14
      3.    Access to the Building............................................14

ARTICLE XXI...................................................................14

   ZONING AND MISCELLANEOUS REPRESENTATIONS...................................14

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ARTICLE XXII..................................................................15

   MISCELLANEOUS..............................................................15
      1.    Force Majeure.....................................................15
      2.    Estoppel Certificates.............................................15
      3.    Duplicates; Recordation...........................................16
      4.    Covenants running with Land.......................................16
      5.    No Waiver.........................................................16
      6.    Arrears...........................................................16
      7.    Written Modifications.............................................16
      8.    Entire Agreement..................................................16
      9.    Notices...........................................................16
      10.   Liability Continued...............................................17
      11.   Gender............................................................17
      12.   Other Tenants.....................................................17
      13.   Conditions Precedent..............................................18

ARTICLE XXIII.................................................................18

   HAZARDOUS SUBSTANCES.......................................................18

ARTICLE XXIV..................................................................19

   IMPROVEMENTS BY LESSOR.....................................................19

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THIS LEASE made and entered into at Bridgeport, Connecticut on June 9, 2000 by
and between JOHN BROADCANNON, LLC, a Connecticut limited liability company with
a place of business c/o Green and Gross, P.C., 1087 Broad Street, Bridgeport,
Connecticut (the "Lessor") and CORZON, INC. (formerly, Tanners Restaurant
Group), a Texas Corporation with its principal place of business at 1087 Broad
Street, Bridgeport, Connecticut (hereinafter the "Lessee").

The Lessor and the Lessee, for and in consideration of the keeping by the
parties of their respective obligations hereinafter contained, as well as for
One Dollar ($1.00) and other valuable considerations paid in hand simultaneously
with the execution and delivery of this Lease, receipt whereof is hereby
acknowledged, agree as follows:

                                   ARTICLE I

                                Demised Premises

1.   Lessor's Demise.

Upon the terms and conditions hereinafter set forth, and in consideration of the
payment of the rents and the prompt performance by the Lessee of the covenants
and agreements, to be kept and performed by the Lessee, the Lessor does lease,
let, and demise to the Lessee and the Lessee hereby leases from the Lessor,
1,638 square feet, as shown on the plans described in Article XXIV hereof as set
forth as Exhibit "B" hereto, on the fourth floor of the building located at the
premises known as 1087 Broad Street, Bridgeport, Connecticut (the "Building"),
which premises are described in Exhibit "A- 1" attached hereto and made a part
hereof (said leased space hereinafter referred to as the "Premises").

2.   Conditions.

The demise is likewise made subject to the following:

     (a) Zoning ordinances of the City of Bridgeport, and any other governmental
body now existing or which may hereafter exist by reason of any legal authority
during the life of this Lease provided such shall not materially interfere with
the Lessee's use; and,

     (b) The proper performance by the Lessee of all of the terms and conditions
contained in this Lease.

The Lessor hereby warrants that it holds title to the Premises in fee simple and
has the right to lease the same.

                                   ARTICLE II

                                      Term

The commencement date ("Commencement Date") of this Lease shall be July 1, 2000
or the date when all improvements on the Premises required to be furnished by
the Lessor have been substantially completed and the Premises are available for

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occupancy by the Lessee, whichever is later and the term of this Lease shall
expire on the last day of the fifth (5th) year after the Commencement Date. The
Lessee's taking occupancy of the Premises as of the Commencement Date shall
constitute acknowledgement that the same are in good and satisfactory condition,
order and repair except for any items as may be set forth in the Punch List
described in Article XXIV.

                                  ARTICLE III

                                      Rent

1.   Base Annual Rent.

At the time the Lessee takes occupancy of the Premises the Lessee shall pay the
Lessor the sum of $15,000.00. The Base Annual Rent which the Lessee agrees to
pay to the Lessor for each year during the term of this Lease shall be as
follows: a) years one and two: Twenty-Eight Thousand Seven Hundred Forty-Six and
00/100 ($28,746.00) Dollars each year, and b) years three, four and five:
Twenty-Three Thousand Seven Hundred Forty-Six and 00/100 ($23,746.00) Dollars
each year. The Lessee shall not be obligated to pay any rent for the first two
(2) months of the term of this Lease beginning as of the Commencement Date.

2.   Rental Payments.

All rentals required hereunder shall commence on the Commencement Date and be
payable without setoff, in advance, in equal monthly installments (except as
otherwise provided herein) each on the first day of each month during the term
of this Lease or any extended term hereunder. If the Commencement Date is other
than the first day of the month, then said first month's rental payment shall be
appropriately apportioned as provided hereinbefore.

3.   Place of Payment.

Rent shall be payable c/o Kuchma Corporation, 300 Bostwick Avenue, Bridgeport,
Connecticut 06605 and at such other place as the Lessor may specify in
accordance with the provisions relating to the giving of notice hereinafter
provided.

                                   ARTICLE IV

                                Mechanics' Liens

1.   No Lien.

The Lessee shall not have the power to subject the interest of the Lessor in the
Premises to any mechanics' or materialmen's liens or lien of any kind, unless a
specific provision to the contrary authorizing in specific terms the creation of
such lien or liens, is elsewhere herein contained.

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2.   Release of Lien.

The Lessee will not permit or suffer to be filed or claimed against the interest
of the Lessor in the Premises during the continuance of this Lease, any lien or
claim of any kind (excepting for the mortgages referred to in Article X and
security interests in the Lessee's trade fixtures), and if such lien be claimed
or filed, it shall be the duty of the Lessee, within thirty (30) days after the
Lessee shall have been given written notice of such a claim having been filed,
or within thirty (30) days after the Lessor shall have been given written notice
of such claim and shall have transmitted written notice of the receipt of such
claim unto the Lessee (whichever thirty (30) day period expires earlier) to
cause the Premises be released from such claim, either by payment or by the
posting of bond or by the payment to the court of the amount necessary to
relieve and release the Premises from such claim, or in any other manner which,
as a matter of law, will result, within such period of thirty (30) days, in
releasing the Lessor and the title of the Lessor in the Premises from such
claim; and the Lessee covenants and agrees, within such period of thirty (30)
days, to cause the Premises and the Lessor's interest therein to be released
from the legal effect of such claim.

                                   ARTICLE V

                       Governing Law, Cumulative Remedies

1.   Governing Law.

All of the rights and remedies of the respective parties herein shall be
governed by the provisions of this Lease and by the laws of the State of
Connecticut as such laws relate to the respective rights and duties of landlords
and tenants.

2.   Cumulative Remedies.

During the continuance of this Lease, the Lessor shall have all rights and
remedies which this Lease and the laws of the State of Connecticut assure to it.
All rights and remedies accruing to the Lessor shall be cumulative, that is, the
Lessor may pursue such rights as the law and this Lease afford to it in whatever
order the Lessor desires and the law permits without being compelled to resort
to any one remedy in advance of any other.

                                   ARTICLE VI

                             Mutual Indemnifications

During the entire term of this Lease, the Lessee will indemnify and save
harmless the Lessor against any and all claims, debts, demands, or obligations
which may be made against the Lessor or against the Lessor's title in the
Premises, arising out of, or in connection with, any alleged act or omission of
the Lessee or any person claiming under, by, or through the Lessee; and if it
becomes necessary for the Lessor to defend any action seeking to impose any such
liability, the Lessee will pay the Lessor all costs and attorneys' fees incurred
by the Lessor in effecting such defense in addition to any other sums which the
Lessor may be called upon to pay by reason of the entry of a judgment against
the Lessor in the litigation in which such claim is asserted.

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During the entire term of this Lease, the Lessor will indemnify and save the
Lessee harmless against any and all claims, debts, demands or obligations which
may be made against the Lessee arising out of or in connection with any alleged
act or omission of the Lessor or any person claiming by or through the Lessor;
and if it becomes necessary for the Lessee to defend any action seeking to
impose any such liability, the Lessor will pay the Lessee all costs and
attorney's fees incurred by the Lessee in effecting such defense in addition to
any other sums which the Lessee may be called upon to pay by reason of the entry
of a judgment against the Lessee in the litigation in which the claim is
asserted. All insurance policies carried by the Lessor and Lessee shall contain
waivers of any and all rights of subrogation which may arise under such policies
if such waivers are permitted by the insurers.

                                  ARTICLE VII

                                    Insurance

1.   Lessee's Obligation.

     (a) From the Commencement Date, or from and after any earlier date when the
Lessee makes actual use of, enters upon or and occupies the Premises, or any
parts thereof, the Lessee shall cause to be written a policy or policies of
insurance in the form generally known as comprehensive general liability
policies, insuring the Lessee against any and all claims and demands made by any
person or persons whomsoever for injuries received in connection with the
operation and maintenance of the Premises and improvements and buildings located
on the Premises or for any other risk insured against by such policies, each
class of which policies shall have been written within limits of not less than
$1,000,000.00 for damages incurred or claimed by any one person for bodily
injury, or otherwise, and for not less than $2,000,000.00 for damages incurred
or claimed by more than one person for bodily injury, or otherwise, plus
$500,000.00 damages to property. All such policies shall name the Lessee and the
Lessor, as their respective interests may appear, as the persons insured by such
policies; and the original or a duplicate original of each of such policy or
policies shall be delivered by the Lessee to the Lessor promptly upon the
writing of such policies, together with adequate evidence of the fact that the
premiums are paid. If any damage by fire or other casualty shall render the
Premises untenantable, in whole or in part, a proportionate abatement of the
Base Annual Rent plus any additional rent set forth in this Lease based upon the
floor space in the Premises rendered untenantable shall be allowed from the date
when the damage occurred until substantial completion of the repair or
restoration work to be done by the Lessor in the Premises or, in the event the
Lessor elects to terminate this Lease, until the date of termination, provided
however, that if damage to a portion of the Premises renders the entire Premises
untenantable so as to not be able to occupy the same as offices, then all of
said rent shall be so abated until the Lessee can resume its operations.

     (b) The Lessee shall maintain fire insurance, with vandalism, extended
coverage and malicious mischief coverage during the term of this Lease in
amounts sufficient to protect the interest of the Lessee in its personal
property on the Premises. If the Lessee shall at any time fail to take out, pay
for, maintain or deliver any of the insurance policies provided for herein, then

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after five (5) days notice (unless a longer period of notice is provided for
herein, in which event such longer period shall prevail) to the Lessee and
without waiving or releasing the Lessee from any obligation of the Lessee
contained in this Lease, the Lessor may (but shall be under no obligation to)
take out, pay for maintain any of the insurance policies provided for herein,
and take all such reasonable action thereon as may be necessary therefor. All
sums so paid by the Lessor in performance of any such act shall constitute
additional rent payable by the Lessee under this Lease and shall be paid by the
Lessee to the Lessor on demand.

2.   Lessor's Obligation.

From and after the time when this Lease commences, the Lessor will keep insured
the Building and Lessor's improvements upon the said Premises against all loss
or damage by fire and windstorm, together with "extended coverage," which said
insurance will be maintained in an amount which will be sufficient to prevent
any party in interest from being or becoming a coinsurer on any part of the
risk, which amount shall not be less than 80% of the full insurable value.
Lessor shall, further, maintain with respect to the Building, liability
insurance in an amount of not less than One Million ($1,000,000.00) Dollars and
Five Million Dollars in excess liability coverage and shall further furnish the
Lessee with certificates confirming the existence of any such insurance on
reasonable request.

3.   Destruction.

In the event of the total destruction or damage of the Premises to the extent of
more than twenty-five (25%) per cent of the replacement cost thereof, at the
sole option of the Lessor, exercisable by notice to the Lessee not later than
thirty (30) days following the destruction or damage, the Lessor may rebuild and
repair the same. If the Premises shall be damaged to the extent of less than
twenty-five (25%) per cent of the replacement cost thereof, the Lessor shall
repair or build the same, such repair and rebuilding shall be of the same or
higher value as the said Building or improvements comprising the Premises prior
to such damage or destruction. If the Lessor shall so commence such rebuilding
or repairs, the Lessor shall have the same rebuilt and ready for occupancy
within four (4) months from the time when the loss or destruction occurred. The
four (4) month period for reconstruction shall be enlarged by delays caused
without fault or neglect on the part of the Lessee by act of God, strikes,
lockouts, or other conditions (other than matters of finance) beyond the
Lessor's control. If the Premises are not ready for occupancy within said four
(4) month period, then the Lessee, if it is not in default hereunder beyond any
cure period, shall have the option to terminate this Lease by giving the Lessor
at least thirty (30) days written notice thereof not later than five (5) months
from the time when the loss or destruction occurred, time being of the essence.

                                  ARTICLE VIII

                            Assignment or Subletting

1.   Assignment or Subletting.

The Lessee shall not assign, mortgage or encumber this Lease, either in whole or
in part, nor sublet the whole or part of the Premises without first obtaining
the written consent of the Lessor in each and every instance, which consent

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shall not be unreasonably withheld. If such consent is given, such assignee or
sublessee shall agree to keep, observe and perform all of the agreements,
conditions, covenants and terms of this Lease, on the part of the Lessee's to be
kept, observed and performed, and shall become liable for the non-performance
thereof. The consent by the Lessor to any assignment or subletting shall not
constitute a waiver of the necessity for such consent to any subsequent
assignment or subletting.

2.   Release of Lessee.

The Lessee shall be released of any liability hereunder in the event that, upon
assignment of the Lease with Lessor's consent, the assignee of the Lease has
agreed to assume and perform all of the obligations of the Lessee under this
indenture of Lease.

3.   Condition Precedent.

A condition Precedent to the Lessor's giving of its consent herein is that the
Lessor determine to its sole satisfaction that the proposed assignee or lessee
is at least as credit worthy as the Lessee.

                                   ARTICLE IX

                                  Condemnation

1.   Condemnation.

     (a) If the Premises, or any part hereof, shall be appropriated for any
public use by virtue of eminent domain or condemnation proceeding, or if by
reason of any law or ordinance, or by court decree, whether by consent or
otherwise, the use of the Premises by the Lessee for any of the purposes
hereinbefore referred to shall be prohibited or unduly restricted, the Lessee,
if it is not in default hereunder beyond any cure period, shall have the right
to terminate this Lease upon written notice to the Lessor, and rental shall be
paid only to the time when the Lessee surrenders possession of the Premises. In
the event of partial appropriation of any part of the Premises described herein,
the Lessee may elect to continue in possession of that part of the Premises not
so appropriated under the same terms and conditions hereof, except that in such
cases the Lessee shall, effectively upon the date of such taking by the
Condemning Authority, be entitled to a reduction in the Base Annual Rent payable
during the remainder of the then current term of this Lease and any renewals
provided herein. Said reduction in the Base Annual Rent shall be the amount
calculated by multiplying the then Base Annual Rent by a fraction whose
numerator is the square footage by which the Premises is reduced and whose
denominator is the original square footage of the Premises. The Lessor and/or
the Lessee shall have the right to contest the amount of such award in
accordance with the provisions of the laws relating to such contest.

     (b) The Lessee reserves the right to claim, prove and receive in any
condemnation proceeding such amounts as may be allowed for fixtures and other
equipment installed by it, and for the unamortized value of its leasehold
improvements, and for the value of its remaining leasehold interest, including
moving expenses, reinstallment of equipment expenses, replacement of equipment

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not salvageable, all as may be permitted by law, all of the foregoing being in
recognition of the added expenses and inconvenience such forced vacation of the
Premises imposes upon the Lessee.

     (c) All rentals accruing hereunder shall be abated during any period in
excess of ten (10) consecutive days that the motoring public is denied access to
the Premises because of construction, repair, or other work undertaken on
streets and/or highways adjacent to said Premises by or with the consent of any
governmental authority, or any other person or entity.

                                   ARTICLE X

                          Subordination and Attornment

1.   Subordination.

This Lease shall be subject and subordinate at all times to the lien of any
mortgage or mortgages which exist or may hereafter affect the Premises or the
Premises and to all renewals, modifications, amendments, consolidations,
replacements, and extensions thereof. This Subordination is automatically
effective at such time or times as future mortgage or mortgages, including all
renewals, modifications, amendments, consolidations, replacements and extensions
thereof, come into existence without the necessity for the Lessee to execute any
further instruments. Any mortgage by the Lessor shall specifically exclude
machinery, equipment or other property (i) that is owned by the Lessee; or (ii)
that has been leased by the Lessee pursuant to an equipment lease. The Lessee
shall execute and deliver promptly upon the Lessor's request any instrument
which may be reasonably required by the Lessor in confirmation of such
subordination.

2.   Attornment.

The Lessee agrees that, upon written request of the holder of any note and first
mortgage secured by the Premises, if any, securing the note, the Lessee will
agree in writing that (a) no action taken by the holder of the note to enforce
the mortgage by reason of default thereunder shall terminate this Lease or
invalidate or constitute a breach of any of the terms or conditions hereof, and
(b) the Lessee will attorn to the purchaser at any foreclosure sale, to any
person who acquires the Premises as the result of a judgment of strict
foreclosure, or to the grantee in any conveyance in lieu of foreclosure as the
Lessor of the Premises, and (c) the Lessee will, upon written request of such
purchaser or grantee, execute such instruments as may be necessary or
appropriate to evidence such attornment.

3.   Nondisturbance.

Lessor shall obtain from any present or future mortgagee or lienholder a
nondisturbance agreement. Said nondisturbance agreement shall provide that, as
long as the Lessee is not in default, (i) the mortgagee shall not disaffirm this
Lease, even if the mortgagee shall foreclose the mortgage; (ii) the Lessee shall
be entitled to use and occupancy of the Premises in accordance with the terms of
this Lease; and (iii) the Lessee's possession shall not be disturbed by the
mortgagee or any person whose rights are acquired as a result of foreclosure
proceedings.

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                                   ARTICLE XI

                                     Default

1.   Default.

If any installment of Base Annual Rent or any other sum required to be paid
hereunder shall remain unpaid ten (10) days after the respective due dates for
payment thereof, the Lessee shall be deemed in default hereunder. If the Lessee
defaults in fulfilling any of the covenants or agreements of this Lease on its
part to be kept or performed other than those requiring payment of the Base
Annual Rent, and such default is not cured or commenced to be cured (and
diligently prosecuted to completion) within thirty (30) days after written
notice from the Lessor or its agent specifying the default, then the Lessee
shall be deemed to be in default under this Lease.

2.   Possession.

If the Lessee shall be in default as hereinbefore provided, the Lessor may
recover possession of the Premises in the same manner prescribed by statute
relating to summary process, it being expressly understood and agreed that no
demand for the rent and no re-entry for conditions broken, as at common law,
shall be necessary to enable the Lessor to recover such possession pursuant to
the statute relating to summary process, but that all right to any such demand
or any such re-entry is expressly waived by the Lessee, including any right to
any notice to quit possession, as required by the statute relating to summary
process.

3.   Termination.

In the event that the Lessor shall terminate this Lease upon the Lessee's
default and/or shall obtain possession by re-entry, dispossession or summary
process upon the Lessee's default, the Lessor or its agents shall have the right
to and may enter said Premises as the agent of the Lessee, without being liable
for any prosecution or damages therefor, except for the Lessees gross negligence
or willful misconduct, and may relet the Premises as the agent of the Lessee,
and receive the rent therefor, upon such terms as shall be reasonable. Such
re-entry by the Lessor shall not operate to release the Lessee from any rent to
be paid or covenants to be performed hereunder during the full term of this
Lease. For the purpose of reletting, the Lessor shall be authorized to make such
reasonable repairs or reasonable alterations in or to the Premises as may be
reasonably necessary to place the same in good order and condition. The Lessee
shall be liable to the Lessor for the cost of such repairs or alterations, and
all reasonable expenses of such reletting. If the sum realized or to be realized
from the reletting is insufficient to satisfy the Base Annual Rent and
additional rent provided in this Lease, the Lessor at its option, may require
the Lessee to pay such deficiency month by month, or may hold the Lessee liable
in advance, for the entire deficiency to be realized during the term of the
reletting and such accelerated sum shall be discounted to a net present value at
the rate of ten percent (10%) per annum compounded monthly. The Lessee shall not
be entitled to any surplus accruing as a result of the reletting, however, any
sums in excess of the Base Annual Rent, additional rent and expenses to be
reimbursed hereunder shall first be applied to reduce the future obligations

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hereunder of the Lessee until the same shall have been fully satisfied. If the
Lessee's personal property, equipment and trade fixtures shall not have been
removed by the Lessee within thirty (30) days after the Lessor's written notice
to remove the same after the Lessee's default beyond applicable cure period(s),
then the Lessor shall have the right, as agent of the Lessee to take possession
of any furniture, fixtures, inventory or other personal property of the Lessee
found in the Premises, and sell the same at public or private sale and to apply
the proceeds thereto to the payment of any monies becoming due hereunder, the
Lessee hereby waiving the benefit of all laws exempting property from execution,
levy and sale on distress or judgment. Upon termination of this Lease hereunder,
the Lessee will yield up the Premises to the Lessor in good condition and repair
(loss by casualty, fire and eminent domain and ordinary wear and tear expected)
and deliver the keys to the Lessor at the Premises.

4.   Landlord-Tenant Relationship Only.

The relationship between the parties is that of landlord and tenant, and the
Lessee specifically acknowledges that all statutory proceedings regulating the
relationship of landlord and tenant respecting collection of rent or possession
of the Premises, accrue to the Lessor.

5.   Default Period.

All default and grace periods shall be deemed to run concurrently and not
consecutively.

6.   Bankruptcy, Insolvency, Assignment for Benefit of Creditors.

It is further agreed that if at any time during the term of this lease the
Lessee shall make any assignment for the benefit of creditors, or be decreed
insolvent or bankrupt according to law, or if a receiver shall be appointed for
the Lessee, then the Lessor may, at its option, terminate this lease, exercise
of such option to be evidenced by notice to that effect served upon the
assignee, receiver, trustee or other person in charge of the liquidation of the
property of the Lessee or the Lessee's estate, but such termination shall not
release or discharge any payment of rent payable hereunder and then accrued, or
any liability then accrued by reason of any agreement or covenant herein
contained on the part of the Lessee, or the Lessee's legal representatives. In
the event the Lessor terminates this lease pursuant to the notice as provided in
this paragraph, the Lessee agrees to vacate the Premises within thirty (30) days
from the date the Lessee receives such notice.

                                  ARTICLE XII

        Repair and Maintenance Obligations; Alterations and Improvements.

1.   Repairs by the Lessor.

Within a reasonable period of time after receipt of written notice from the
Lessee, the Lessor shall make and pay for a) necessary structural repairs to the
exterior walls of the Building (including the exterior of and the frames
surrounding all windows, doors and including repairs to or replacement of plate
glass), b) necessary repairs to the roof, foundations, and load bearing items of
the Building, c) necessary repairs to plumbing, pipes and conduits located

                                       -9-
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within the Building as well as within the Premises, e) necessary repairs to the
HVAC systems, sidewalks and curbs, f) necessary repairs to the parking area and
the common areas and g) repairs to the Premises not made necessary by act or
omission or negligence of Lessee. The Lessor shall also maintain the common
areas including the periodic cleaning thereof. The Lessor shall not be required
to make any repairs where same were made necessary by any act or omission or
negligence of the Lessee, any subtenant, or their respective employees, agents,
invitees, licensees, visitors or contractors, or by fire or other casualty or
condemnation, except as otherwise provided for herein. Any such repairs made
necessary by act or omission or negligence of Lessee shall be at the expense of
the Lessee.

2.   Repairs and Maintenance by the Lessee.

The Lessee shall make and pay for all repairs to the Premises not otherwise
required to be made by Lessor and all equipment and fixtures of Lessee serving
the Premises and shall replace all things which are necessary to keep the same
in a good state of repair and operating order, such as (but not limited to)
furnishings, and lighting of the Lessee, not including Building lighting. The
Lessee shall also maintain, and keep in good repair and operating order all
electrical fixtures of Lessee and keep the Premises in a reasonably satisfactory
condition of cleanliness. The Lessee shall, further, keep both the interior and
the exterior of the Premises free and clear of all accumulations of garbage,
refuse and/or debris caused by Lessee and at its expense shall be responsible
for complying with all regulations and requirements as established or which may
in the future be established by the City of Bridgeport concerning the storage
and/or removal of garbage, refuse and/or debris from the Premises as such
storage and/or removal pertains to the Lessee's use of the Premises. The Lessee
shall also comply with all laws, municipal, state and federal, relating to its
use of the Premises and its repairs and maintenance of the Premises. If (i) the
Lessee does not repair properly as required hereunder and to the reasonable
satisfaction of the Lessor, or (ii) the Lessor, in the exercise of its sole
discretion, determines that emergency repairs are necessary, or (iii) repairs or
replacements to the Building and/or to the Premises are made necessary by any
act or omission or negligence of the Lessee, its agents, employees, subtenants,
assignees, contractors, invitees, licensees or visitors, then in any of such
events the Lessor may make such repairs, acting with due diligence so as not to
cause damage to the Lessee's fixtures or personal property, however, without
liability to the Lessee for any loss or damage that may accrue to the Lessee's
fixtures or other property or to the Lessee's business by reason thereof, and
upon completion thereof, the Lessee shall pay the Lessor's costs for making such
repairs, upon presentation of a bill therefor, as additional rent.

3.   Alterations, Improvements and Additions.

The Lessee shall not make any alterations in excess of $1,000.00 per year,
additions or improvements to the Premises without the prior written consent of
the Lessor. Subject to the terms and provisions of this Lease, the Lessee
covenants and agrees that all improvements, whether structural or nonstructural,
shall be done at the Lessee's full cost and expense, shall comply with all
applicable governmental regulations, including, but not limited to, the
obtaining of all necessary or required permits and governmental authorizations,
and shall be done in a manner which will assure labor harmony at the site.
Notwithstanding the aforesaid, the Lessor's consent to the Lessee's making any
such alterations, additions or improvements and to the plans, specifications,
general contractors and major subcontractors relating thereto, shall not be

                                      -10-
<PAGE>

construed as the Lessor's consent to the Lessee's causing work to be done in the
Premises in a manner or under conditions which entitle the person doing the work
or furnishing the materials to a mechanic's or materialmen's lien and
enforceable against the Lessor with the Lessor's consent. All erections,
alterations, additions and improvements, whether temporary or permanent in
character, which may be made upon the Premises either by the Lessor or the
Lessee, except furniture or movable trade fixtures installed at the expense of
the Lessee, shall be the property of the Lessor and shall remain upon and be
surrendered with the Premises as a part thereof at the termination of this
Lease, without compensation to the Lessee. At the expiration of the term of this
Lease the Lessee shall remove its trade fixtures and personal property (both
referred to as "Personal Property") from the Premises and the Lessee shall pay
the cost and expense to repair any damage caused by such removal. Any Personal
Property not so removed shall be deemed abandoned by the Lessee and shall become
the property of the Lessor, but without prejudice to the Lessor's continuing
right to require the Lessee to remove the same at the Lessee's expense. The
Lessor may, at its option, destroy the Personal Property or at the expense of
the Lessee, place the Personal Property in a public warehouse for the account of
the Lessee. Lessee shall have no obligation to remove any fit-up items or any
wiring such as for telephones or computers.

                                  ARTICLE XIII

                   Utilities Charges & Personal Property Taxes

1.   Charges for Electricity.

The Lessee shall pay promptly, as and when the same become due and payable, all
charges for electricity supplied to the Premises. Lessor shall provide a
separate meter and shall not charge the Lessee for any electricity used to
supply heat or air conditioning.

2.   Utilities.

Except as provided in Section 1 of this Article, Lessor shall supply and pay for
all necessary utilities.

3.   Taxes.

Lessor shall pay all real property taxes and Lessee shall pay taxes on its
personal property.

                                  ARTICLE XIV

                         Additional Covenants of Lessee

1.   Legal Use.

The Lessee covenants and agrees with the Lessor that the Premises will be used
as offices.

2.   Insurance Claims.

No damage or destruction to the Building or improvements by fire, windstorm, or
any other casualty shall be deemed to entitle the Lessee to surrender possession
of the Premises, to terminate this Lease or to violate any of its provisions

                                      -11-
<PAGE>

except as provided for in this Lease. If this Lease shall be cancelled for the
Lessee's default at any time while there remains outstanding any obligation from
any insurance company to pay for the damage to the Premises or any part thereof,
then the claim against the insurance company shall, upon the cancellation of
this Lease, be deemed immediately to become the absolute and unconditional
property of the Lessor.

3.   Termination.

At the termination of this Lease, the Lessee will peaceably and quietly deliver
possession of the Premises and the building and improvements, to the Lessor. The
Lessee also agrees to restore the Premises to substantially the same condition
it was in as of the commencement of its tenancy, reasonable wear and tear,
insurable loss and condemnation excepted.

4.   Costs of Suits.

If, at any time, either party commences legal action to enforce this Lease, then
upon the judicial determination of such legal action the non-prevailing party
will owe and will pay to the prevailing party all costs and reasonable
attorneys' fees incurred or expended in enforcing the terms of this Lease or in
conducting such defense of such legal action.

                                   ARTICLE XV

                                 Quiet Enjoyment

The Lessor covenants and agrees with the Lessee that so long as the Lessee keeps
and performs all of the covenants and conditions by the Lessee to be kept and
performed under this Lease, the Lessee shall have quiet and undisturbed and
continued possession of the Premises, free from any claims against the Lessor
and all persons claiming under, by, or through the Lessor.

                                  ARTICLE XVI

                                 Right of Entry

The Lessor and his agents shall have the right to enter upon the Premises at all
reasonable times to examine the condition and use thereof and to show the
Premises and the Premises described in Schedule A to prospective buyers or, as
to prospective tenants only within the period commencing six (6) months prior to
the expiration of the initial or any extended term under this lease, provided
only that such right shall be exercised in such manner as not to interfere with
the Lessee in the conduct of the Lessee's business on the Premises; and if the
Premises is damaged by fire, windstorm, or by any other casualty which caused
the Premises to be exposed to the elements or which caused the Premises to be in
a dangerous or hazardous state, then the Lessor may enter upon the Premises to
make emergency repairs; but if the Lessor exercises its option to make emergency
repairs, such acts or acts shall not be deemed to excuse the Lessee from the
Lessee's obligation to keep the Premises in repair as set forth in Article XII

                                      -12-
<PAGE>

and the Lessee shall, upon demand of the Lessor, immediately reimburse the
Lessor for the cost and expense of such emergency repairs unless the Payment
thereof is not the responsibility of the Lessee under this Lease or is covered
by insurance.

                                  ARTICLE XVII

                                    Directory

The Lessor shall also provide at the front and rear of the Building a directory
showing the name of the Lessee together with the other tenants of the Building.
Said directory shall be of design and type as the Lessor, in the Lessor's sole
discretion, shall determine. Lessee may also install signs outside its premises
comparable to that of other lessees subject to Lessor's approval, not to be
unreasonably withheld.

                                 ARTICLE XVIII

                                    Brokerage

The parties hereto each represent to the other that it has no agreement with any
broker and that they have had no negotiations with or contact with any broker
with respect to this lease. Each party hereto shall save the other harmless from
any loss or expense, including all costs of defending any claim, including,
without limitation, reasonable attorneys' fees, for any commission claimed by
any broker or agent by virtue of any alleged dealings had by said broker or
agent with the party giving the indemnity hereunder. The party extending the
indemnity hereunder shall be notified promptly of any such claim and may, at its
own expense, undertake the defense thereof.

                                  ARTICLE XIX

                                Security Deposit

The Lessee shall deposit with the Lessor at the times indicated hereinafter the
sum of $4,891.00, of which $2,395.50 represents the last month's Base Annual
Rent and $2,395.50 shall be a security for the full and faithful performance by
the Lessee of all of the terms, covenants and conditions of this Lease upon the
Lessee's part to be performed, of which $2,395.50 shall be returned to the
Lessee after the time fixed as the expiration of the term herein, provided the
Lessee has fully and faithfully carried out all of said terms, covenants and
conditions on the Lessee's part to be performed. In the event of a bona fide
sale, subject to this Lease, the Lessor shall have the right to transfer the
security to the buyer for the benefit of the Lessee and the Lessor shall be
considered released by the Lessee from all liability for the return of such
security deposit; and the Lessee agrees to look to the new lessor solely for the
return of said security, and it is agreed that this shall apply to every
transfer or assignment made of the security deposit to a new lessor. The
security deposited under this Lease shall not be mortgaged, assigned or
encumbered by the Lessee. The security deposit required herein shall be paid as
follows:

                                      -13-
<PAGE>

$4,891.00 at the time the Lessee executes this Lease. The security deposit, as
referred to herein, may be used by the Lessor to remedy any failure of the
Lessee to perform any and all terms of this Lease, but may not be used by the
Lessee for rent or other payments required to be made by the Lessee under the
terms, covenants, conditions and provisions of this Lease.

                                   ARTICLE XX

                      Use of Premises in Common with Others

1.   Use of Parking Spaces.

The Lessor represents that six (6) exclusive, assigned parking spaces shall be
allocated to the Lessee. It is understood and agreed that the Lessee shall have
the license, in common with other tenants of the Building and the premises
located at 1057 Broad Street, Bridgeport, Connecticut, for the use of the Lessee
as well as its customers, visitors, and guests to park automobiles in other
parking spaces provided by and designated by the Lessor. Such license shall be
subject to such reasonable rules and regulations as may from time to time be
promulgated by the Lessor.

2.   Monitoring of Parking Spaces.

The Lessor shall provide a parking lot attendant to monitor the parking area and
an interior guard from 8:00 a.m. to 5:30 p.m. Monday through Friday except for
legal holidays, which legal holidays are defined, for all purposes set forth in
this Lease as those holidays when the Superior Court Clerk' s Office is closed
("Legal Holidays").

3.   Access to the Building.

The Lessee shall have twenty-four (24) hour access to the Building and the
Premises. The Lessor agrees to provide the Lessee with elevator service for the
Building and electricity for the common areas seven (7) days per week,
twenty-four (24) hours per day.

                                  ARTICLE XXI

                    Zoning and Miscellaneous Representations

The Lessor hereby represents to the Lessee and the Lessee acknowledges that the
Premises may be used as an office and that on the Commencement Date the
Building, will be in material compliance with the Americans With Disabilities
Act except with respect to door handles. The Lessee will comply with the
Americans With Disabilities Act as required provided Lessor is in compliance
with its obligations under the Americans With Disabilities Act as to the
Premises, Lessee shall not be responsible for structural modifications.

                                      -14-
<PAGE>

                                  ARTICLE XXII

                                  Miscellaneous

1.   Force Majeure.

In the event that the Lessor or Lessee shall be delayed, hindered in, or
prevented from the Performance of any act required hereunder by reason of
strikes, lockouts, labor troubles, inability to procure materials, failure of
power, restrictive government laws or regulations, riots, insurrection, the act,
failure to act or default of the other party, war or other reason beyond their
control exclusive of any financing, then performance of such act shall be
excused for the period of the delay and the period for the performance of any
such act shall be extended for a period equivalent to the period of such delay.

2.   Estoppel Certificates.

Either party shall, without charge, at any time and from time to time hereafter,
within ten (10) days after the written request of the other, certify by written
instrument duly executed and acknowledged to any mortgagee or purchaser or
proposed mortgagee or proposed purchaser, or any other person, firm, or
corporation specified in such request:

     (a) As to whether this Lease has been supplemented or amended, and, if so,
the substance and manner of such supplement or amendment;

     (b) As to the validity and force and effect of this Lease, in accordance
with its tenor as then constituted;

     (c) As to the existence of any default under this Lease;

     (d) As to the existence of any offsets, counterclaims, or defenses thereto
on the part of such other party;

     (e) As to the commencement and expiration dates of the term of this Lease;
and

     (f) As to any other matters as may reasonably be so requested. Any such
certificate may be relied upon by the party who requested it and any other
person, firm, or corporation to whom the same may be exhibited or delivered, and
the contents of such certificate shall be binding on the party executing same.

3.   Services for the Building.

The Lessor represents that the heating, ventilating and air conditioning system
provided for the Premises shall be operational at all hours and shall, further,
be adequate to maintain an interior temperature by heating of at least 68
degrees F. when the exterior temperature is 10 degrees below zero F., or greater
and an interior temperature by cooling of not more the 74 degrees F. when the
exterior temperature is 90 degrees F. or less. The Lessor will, further, provide
cleaning service for the Premises consistent with and comparable to the cleaning

                                      -15-
<PAGE>

service provided to the other offices in the Building, which shall at least
include daily light cleaning and emptying of trash and major cleaning such as
windows at reasonable intervals.

4.   Duplicates; Recordation.

The parties will at any time, at the request of either one, promptly execute
duplicate originals of an instrument, in recordable form, which will constitute
a short form of lease, setting forth a description of the Premises, the term of
this Lease and any other portions thereof, excepting the rental provisions, as
either party may request. Any recordation of such instrument shall be at the
expense of the party requesting the same.

5.   Covenants running with Land.

All covenants, promises, conditions, and obligations herein contained or implied
by law are covenants running with the land and shall attach and bind and inure
to the benefit of the Lessor and Lessee and their respective heirs, legal
representatives, successors, and assigns, except as otherwise herein.

6.   No Waiver.

No waiver of a breach of any of the covenants in this Lease shall be construed
to be a waiver of any succeeding breach of the same covenant.

7.   Arrears.

All arrearages in the payment of rent shall bear interest from the end of any
grace period at the rate of twelve (12%) per cent per annum until paid.

8.   Written Modifications.

No modification, release, discharge, or waiver of any provisions of this Lease
shall be of any force, effect, or value unless in writing signed by the Lessor,
or its duly authorized agent or attorney.

9.   Entire Agreement.

This Lease contains the entire agreement between parties as of this date. The
execution hereof has not been induced by either party by representations,
promises, or understandings not expressed herein and there are no collateral
agreements, stipulations, promises, or undertakings whatsoever upon the
respective parties in any way touching the subject matter of this Lease which
are not expressly contained in this instrument.

10.  Notices.

If either party desires or is required to give notice to the other in connection
with and according to the terms of this Lease, such notice shall be given by
hand-delivery or by certified mail, return receipt requested, and it shall be
deemed given when received. Such notices shall be addressed as follows:

                                      -16-
<PAGE>

To the Lessor:             JOHN BROADCANNON, LLC
                           c/o Kuchma Corporation
                           300 Bostwick Avenue
                           Bridgeport, Connecticut 06605

With a copy to:            Bernard Green, Esquire
                           Green and Gross, P.C.
                           1087 Broad Street
                           Bridgeport, Connecticut 06604

To the Lessee:

or, after the Commencement Date:

                           Larry Shatsoff
                           Corzon, Inc.
                           1087 Broad Street
                           Bridgeport, Connecticut 06604

Nothing herein contained shall be construed as prohibiting the parties
respectively from changing the place at which notice is to be given, but no such
change shall be effective unless and until it shall have been accomplished by
written notice given in the manner set forth in this section.

11.  Liability Continued.

All references to the Lessor and the Lessee mean the parties who, from time to
time, occupy the positions, respectively, of the Lessor and the Lessee, although
this shall not be construed as relieving any parties of any liability incurred
by them by reason of or in connection with their having been the Lessor or the
Lessee at one time unless the Lessee is released from liability hereunder as a
result of the assignment by it of the Lease as provided in paragraph 2 of
Article VIII of this Lease. Paragraph 3 of this Lease.

12.  Gender.

In all references herein to any parties, persons, entities or corporations, the
use of any particular gender or the plural or singular number is intended to
include the appropriate gender or number as the text of the within instrument
may require.

13.  Other Tenants.

Lessor shall not lease any other space in the Building to any tenant whose
business would be offensive to any reasonable segment of the community or to any
food or retail establishment.

                                      -17-
<PAGE>

14.  Conditions Precedent.

This Lease and the Lessor's obligations hereunder are contingent upon the
Lessor's entering into an agreement with Attorney George J. Ferrio for the
relocation of his office and with Attorney Henry Elstein for the reconfiguration
of his office (both being adjacent to the Premises).

                                 ARTICLE XXIII

                              Hazardous Substances

The Lessee shall not (either with or without negligence) cause or permit the
escape, disposal or release of any biologically or chemically active or other
hazardous substances, or materials. The Lessee shall not allow the storage of or
use of such substances or materials in any manner not sanctioned by law or by
the highest standards prevailing in the industry for the storage and use of such
substances or materials, nor allow to be brought into the Premises or the
Lessor's Premises any such materials or substances except to use in ordinary
course of the Lessee's business. Without limitation, hazardous substances and
materials shall include those described in the Comprehensive Environmental
Response, Compensation and Liability Act of 1980, as amended, 42 U.S.C. Section
9601 et seq., any applicable state or local laws and the regulations adopted
under these acts. If any lender or governmental agency shall ever require
testing to ascertain whether or not there has been any release of hazardous
materials by the Lessee and has reasonable cause to believe the same has
occurred, then the reasonable costs thereof shall by reimbursed by the Lessee to
the Lessor upon demand as additional charges if such requirement applies to the
Premises or the Lessor's Premises, but the Lessee shall not be required to
reimburse the Lessor for the cost of general environmental audits and testing
customarily required by lenders in connection with commercial financing. In
addition, the Lessee shall execute affidavits, representations and the like from
time to time at the Lessor's request concerning the Lessee's best knowledge and
belief regarding the presence of hazardous substances or materials on the
Premises and the Lessor's Premises. In all events, the Lessee shall indemnify
the Lessor in the manner elsewhere provided in this Lease from any release of
hazardous materials on the Premises or the Lessor's Premises occurring while the
Lessee is in possession, or elsewhere if caused by the Lessee or persons acting
under the Lessee. The within covenants shall survive the expiration or earlier
termination of the Lease term.

The Lessor represents that any handling, transportation, storage, treatment or
use of hazardous or toxic substances or wastes that may have occurred on the
Premises prior to the Commencement Date have, to the best of the Lessor's
knowledge, been in compliance with all applicable federal, state and local laws,
regulations and ordinances; and that to the best of the Lessor's knowledge and
belief as of the Commencement Date the Premises do not contain any asbestos,
un-normally high quantities of radon gas, or PCBs. Such representations and
proper activities shall continue during the term of the Lease.

                                      -18-
<PAGE>

                                  ARTICLE XXIV

                             Improvements by Lessor

1.   Improvements by the Lessor.

     (a) The Lessor agrees to modify the interior of the Premises according to
the plans as set forth as Exhibit "B" which exhibit is attached hereto and made
a part hereof, being the floor plans dated November 16, 1999, revised May 29,
2000 with the Premises highlighted in yellow (the " Improvements"). The
Improvements shall include installation of carpeting consistent with samples
already furnished to the Lessee and painting of interior wall surfaces and,
shall, in any event, not include any costs associated with data or
communications wiring or installation. Any costs and expenses incurred by the
Lessor to complete the improvements and the build out of the Premises by way of
addition to any of the requirements of the Improvements, in accordance with the
Lessee's instructions, shall be paid by the Lessee and shall be due and payable
by the Lessee to the Lessor within five (5) days after the receipt by the Lessee
of written verification of said costs and expenses as submitted by the Lessor to
the Lessee.

     (b) The Lessor shall proceed with due diligence to commence and complete
the construction of Improvements.

     (c) The Lessor shall cause the construction work for the Improvements to be
performed in a good workmanlike manner and the Lessor shall use its best efforts
to complete the Improvements on or before June 30, 2000 with due allowance,
however, for and subject to strikes, acts of God, shortage of materials or
labor, or other unavoidable contingencies or delays beyond the control of the
Lessor. If the Improvements shall not have been completed on or before such
date, plus the amount of any delay (but not more than sixty (60) days)
attributable to any of said contingencies, then the Lessee, at its option, shall
have the right to cancel this Lease by giving to the Lessor not less than ten
(10) days' prior written notice of its intention so to do, and the Lessee shall
thereupon be relieved of all liability hereunder. The Lessor shall advise the
Lessee in writing at least five (5) days prior to the date the Improvements
shall be completed and the Premises are ready for occupancy. The parties hereto
understand that the Lessor and the Lessee may from time to time prior to such
completion agree in writing to certain modifications and/or changes in the
Improvements.

     (d) Promptly upon the completion of the Improvements, the Lessor will
provide the Lessee with access to the Premises. The Lessor warrants that all
common areas shall be in a good state of repair at the time of the delivery of
the Premises to the Lessee. It is understood and agreed that the Lessor's work,
including the construction of the Improvements, and the Premises shall be deemed
to be completed for the Lessee's occupancy hereunder even though there may be
incomplete items or deficiencies, provided that any such incomplete items or
deficiencies shall not hinder the Lessee's work in or about the Premises, or
prevent the Lessee from opening for business. Should the Lessor fail to complete
all of the Improvements on the date the Lessee takes possession of the Premises,
then the Lessee shall have the right to send to the Lessor a "Punch List" of the
items which remain to be completed. On the receipt of such Punch List, the
Lessor shall have a reasonable time within which to complete the items

                                      -19-
<PAGE>

designated therein. In the event the Lessor shall fail to complete any Punch
List items, the Lessee may, upon giving ten (10) days prior written notice to
the Lessor, cause such construction work to be completed at Lessor's expense.

     (e) The Lessee may, with the written permission of the Lessor not to be
unreasonably withheld, and at the Lessee's sole risk, enter into and move
furnishings and equipment into the Premises prior to the completion thereof and
make such installations as it deems desirable for the operation of its business,
provided, however, that such entry and installing shall be done in such manner
as not to interfere with the construction of the Improvements and any work shall
be done with due diligence and if necessary coordinated with the Lessor or the
Lessor's agents. Notwithstanding such entry and installing and the Lessee's
occupancy of the Premises pursuant thereto, the term of this Lease shall begin
and rent shall be payable as hereinbefore set forth, but the beginning of the
term and payment of any rent hereunder shall not preclude the Lessee from
requiring the Lessor to correct defects in the construction work arising out of
the Lessor's failure to comply with plans and specifications set forth in
Exhibit "B" or from requiring the Lessor to diligently complete the construction
work at the earliest possible date in accordance with the plans and
specifications.

                                      -20-
<PAGE>

IN WITNESS WHEREOF the Lesser and the Lessee have hereunto set their hands and
seals, the day and year above written.

Signed, sealed and delivered in the presence of.

                                            LESSOR
                                            JOHN BROADCANNON, LLC
/s/ Samuel T. Rost
------------------
Samuel T. Rost

/s/ Kimberly A. Cima                        By: /s/ Kurt B. Hershey
--------------------                        -----------------------
Kimberly A. Cima                            Kurt B. Hershey, Manager

                                            LESSEE
                                            CORZON, INC.
/s/ Samuel T. Rost
------------------
Samuel T. Rost

/s/ Rozann Dashiell                         By: /s/ Larry Shatsoff
-------------------                         ----------------------
Rozann Dashiell                             Larry Shatsoff
                                            Its President duly authorized

STATE OF CONNECTICUT               )
                                   )
COUNTY OF FAIRFIELD                )  ss:  Bridgeport

     Personally appeared Kurt B. Hershey, Manager, of John Broadcannon, LLC,
signer and sealer of the foregoing, and acknowledged the same to be his free act
and deed, before me and the free act and deed of John Broadcannon, LLC, on June
21, 2000.

                                             /s/ Samuel T. Rost
                                             ------------------
                                             Samuel T. Rost
                                             Commissioner of the Superior Court

                                      -21-
<PAGE>

STATE OF CONNECTICUT             )
                                 )
COUNTY OF FAIRFIELD              )  ss:  Bridgeport

     Personally appeared Larry Shatsoff the President of Corzon, Inc., signer
and sealer of the foregoing, and acknowledged the same to be his free act and
deed, before me and the free act and deed of Corzon, Inc., on June 9, 2000.

                                              /s/ Samuel T. Rost
                                              ------------------
                                              Samuel T. Rost
                                              Commissioner of the Superior Court
                                              Notary Public
                                              My commission expires:

                                      -22-EXHIBIT 10.5
                            MASTER SERVICE AGREEMENT
                            ------------------------

     MASTER SERVICE AGREEMENT ("Agreement"), dated 22nd February 2000, by and
between Viatel UK LTD., a British corporation, with its headquarters located at
Parnell House, 25 Wilton Road, London SW1V 1LW, UK ("Viatel") and Fone.Com Ltd.
with its headquarters located at 15-17 St. Cross Street, Suite 4c, London EC1N
8UW, UK ("Customer").

                                    RECITALS
                                    --------

     Viatel is engaged in the business of providing certain telecommunications
and other enhanced telecommunications services as more fully described on the
schedules attached hereto (the "Services"). Customer desires to purchase from
Viatel, and Viatel desires to sell to Customer, such Services, in accordance
with the terms and conditions set forth in this Agreement.

     ACCORDINGLY, in consideration of the mutual covenants in this Agreement and
intending to be legally bound, the parties agree as follows:

                                    ARTICLE 1
                              PROVISION OF SERVICES
                              ---------------------

     Viatel agrees to sell and Customer agrees to purchase the Service(s) set
forth on the Schedule(s) attached hereto, which schedules may be amended or
supplemented from time to time in accordance with the terms hereof.

                                    ARTICLE 2
                              TERM AND TERMINATION
                              --------------------

     2.1 Term and Termination. (a) Subject to Section 2.1(b) hereof, this
Agreement shall commence on the date hereof (the "Effective Date") and shall
terminate on the anniversary date hereof, provided, however, that if neither
party provides written notice terminating the Agreement to the other party at
least thirty (30) days before each anniversary of the Effective Date, this
Agreement shall be renewed for ninety (90) days.

     (b) This Agreement may also be terminated upon the occurrence of any of the
following events:

          (1) By either party, upon at least ten (10) days' prior written notice
(a) if the other party commits a material breach of this Agreement (other than
non-payment) and such breach has not been remedied by the date specified in such
notice, such specified date to be no earlier than ten (10) days after the date
of the notice or (b) of a determination by any governmental authority with
jurisdiction over the parties, that the provision of the Services under this
Agreement is contrary to existing laws, rules or regulations.

                                       1
<PAGE>

          (2) By Viatel upon at least three (3) business days' written notice,
if Customer fails to pay any amount due to Viatel under this Agreement after
thirty (30) calendar days from the Due Date (as hereinafter defined) and
Customer fails to pay the amount due within five (5) business days of such
notice.

          (3) By either party, upon ten (10) business days' written notice, if
the other party (A) ceases doing business as a going concern, makes an
assignment for the benefit of creditors, admits in writing its inability to pay
its debts as they become due, files a voluntary petition in bankruptcy, is
adjudicated a bankrupt or an insolvent, files a petition seeking for itself any
reorganisation, arrangement, composition, readjustment, liquidation, dissolution
or similar arrangement under any present or future statute, law or regulation or
files an answer admitting the material allegations of a petition filed against
it in any such proceeding, consents to or acquiesces in the appointment of a
trustee, receiver, or liquidator of it or of all or any substantial part of its
assets and properties, or it or its shareholders shall take any action looking
to its dissolution or liquidation, (B) has filed against it a petition in
bankruptcy which is not dismissed within sixty (60) days of being filed or,
without the party's consent or acquiescence, a trustee, receiver or liquidator
of it or of all or any substantial part of its assets and properties is
appointed and such appointment is not vacated within thirty (30) days
thereafter.

          (4) By either party, upon fifteen (15) days' prior written notice,
upon enactment of any law, rule or regulation that in the reasonable judgement
of either party will make it materially more expensive or difficult to comply
with its obligations under this Agreement.

     2.2 Consequences of any Termination. (a) Subject to the provisions hereof,
upon termination of this Agreement, Viatel shall be entitled to cease providing
Service to Customer, and all amounts due to Viatel from Customer shall become
immediately due and payable.

          (b) Notwithstanding anything to the contrary herein, Section 3.4
(regarding late charges) hereof shall continue to apply upon termination of the
Agreement.

          (c) In addition to any rights hereunder, upon a termination of this
Agreement upon the happening of the events described in Sections 2.1(b)(3) the
non-breaching party shall have such rights and remedies as are available under
applicable law.

          (d) Notwithstanding anything to the contrary contained herein, upon
the occurrence of any event set forth in Sections 2.1(b)(4), the parties shall
negotiate, in good faith, a modification of this Agreement to address the
consequences of such event and reach a mutually agreeable compromise and to
minimise the inconvenience and disruption to the Customer.

          (e) Notwithstanding the termination of this Agreement for any reason,
the provisions of Articles 4, 5 and 6 shall continue to apply.

                                       2
<PAGE>

                                    ARTICLE 3
                                  PAYMENT TERMS
                                  -------------

     3.1 Payment and Invoices. (a) Customer shall pay for Carrier Service
monthly in arrears and Port Service, Customer Transmission Service and
Co-Location Service (each such service as defined in the appropriate Schedule
attached hereto) monthly in advance of the rendering of such Service.

          (b) Viatel shall render invoices for all Service as follows: (i)
Carrier Service shall be invoiced no later than ten (10) days after the
beginning of the month following the month for which Services were provided,
which invoice shall be paid no later than fifteen (15) days of the date of such
invoice, (ii) Port Service, Transmission Service and Co-Location Service (if
applicable) shall be invoiced no more than twenty five (25) days before the
respective month for which Services are to be provided and shall be paid no
later than fifteen (15) days of the date of such invoice (the "Due Date"). All
payments under this Agreement shall be made in U.K. Pounds Sterling.

     3.2 Taxes. All Service under this Agreement are provided exclusive of any
applicable federal, local or foreign sales, use, excise, privilege, gross
receipts and other similar taxes, duties and charges imposed by any governmental
authority. Such taxes, duties and charges shall be separately stated on the
monthly invoice and shall be paid directly by Customer unless required to be
collected by Viatel, in which case such taxes, duties and charges shall be paid
to Viatel at the same time as all other charges set forth on the invoice and
shall be paid by Viatel to the appropriate authority upon receipt of payment
from Customer. Any amounts not paid when the invoice is due shall be treated as
a late payment for purposes of Sections 2.2(b) and 3.4. If Customer claims any
exemption from otherwise applicable taxes, duties or charges it shall provide
Viatel with a valid tax exemption certification or other evidence reasonably
satisfactory to Viatel that Customer is not subject to such taxes, duties or
charges.

     3.3 Disputed Charges. If Customer, in good faith, disputes in writing the
amount or appropriateness of a charge included in an invoice from Viatel,
Customer shall notify Viatel of the disputed charge and provide documentation
reasonably requested by Viatel to resolve the disputed charge. Such notification
shall not relieve Customer of the obligation to make all payments by the due
date, including the amounts disputed in the case of Carrier Service, but
excluding such disputed amounts in the case of Port Service, Transmission
Service (if applicable), and Co-Location Service (if applicable), by the Due
Date. Customer and Viatel shall exercise reasonable, good faith efforts to
resolve the disputed charges. Failure to contest a charge within forty-five (45)
days of the date of the invoice shall create an irrebuttable presumption of the
correctness of the charge. If Viatel and Customer fail to resolve the disputed
charge with ninety (90) days from the date of the invoice, the parties are then
free to exercise their rights hereunder to seek remedy in a court of law and
such charges shall be considered due from the original Due Date and shall be
subject to all late payment penalties contained in this Agreement, in the event
Viatel is the prevailing party. If the dispute is resolved within this ninety
(90) day period, no late fees will be assessed.

     3.4 Late Fees. Any payments (which are not disputed in accordance with
Paragraph 3.3 above) not received by the Due Date shall bear interest at an
annual rate of eighteen (18) percent, or the maximum rate permitted by law,
whichever is less, from the Due Date until paid in full. Any payments received
which are less than the total amount due shall be applied first to interest and
collection fees, and then to the oldest invoice(s) outstanding, regardless of
any contrary instructions received from Customer.

                                       3
<PAGE>

                                    ARTICLE 4
                                    LIABILITY
                                    ---------

     4.1 Service Interruptions. Viatel shall not be liable for interruptions in
the provision of Service to Customer caused by or resulting from any act of God,
flood, earthquake, storm, lightning, fire, epidemic, war, outbreak of
hostilities (whether or not war is declared), riot, strikes or other labour
unrest, civil disturbance, sabotage, failures of third parties, including
mechanical failures, fibre or cable cuts, accidents, defects in transmission,
expropriation by governmental authorities, interruptions by regulatory or
judicial authorities or other acts or events that are outside the reasonable
control of Viatel.

     4.2 LIMITATION OF LIABILITY. IN NO EVENT SHALL VIATEL BE LIABLE TO CUSTOMER
OR ANY OTHER THIRD PARTY IN ANY RESPECT, INCLUDING, WITHOUT LIMITATION, FOR ANY
INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, ACTUAL OR PUNITIVE DAMAGES, OR FOR
ANY LOST PROFITS OF ANY KIND OR NATURE WHATSOEVER, ARISING OUT OF OR RELATING TO
THIS AGREEMENT (OR THE OBLIGATIONS, HEREUNDER).

     4.3 NO WARRANTY. VIATEL MAKES NO WARRANTY TO CUSTOMER OR ANY OTHER PERSON
OR ENTITY, WHETHER EXPRESS OR IMPLIED OR STATUTORY, AS TO THE QUALITY,
MERCHANTABILITY, COMPLETENESS OR FITNESS FOR A PARTICULAR USE OR PURPOSE OF THE
SERVICES PROVIDED UNDER THIS AGREEMENT, ALL SUCH WARRANTIES HEREBY BEING
EXPRESSLY EXCLUDED AND DISCLAIMED.

                                    ARTICLE 5
                                 CONFIDENTIALITY
                                 ---------------

     5.1 Confidentiality. During the term of this Agreement, the parties may
disclose to each other certain "proprietary" and/or "confidential" information.
The parties desire to assure the confidential and proprietary status of the
information which may be disclosed to each other and therefore for themselves
and their affiliates agree as follows:

          (a) All information disclosed shall be deemed to be confidential and
proprietary (hereinafter "Proprietary Information") provided that written
information is clearly marked in a conspicuous place as proprietary, and verbal
information is immediately confirmed in writing as proprietary. All information
contained in this Agreement, including the Schedules hereto, as well as all
records of Customer's customers, traffic volume and distribution information and
rate information of either party given to or learned by the other in connection
with this Agreement shall be considered Proprietary Information without further
act of either party.

                                       4
<PAGE>

          (b) Each party agrees to use the Proprietary Information received from
the other party only for the purpose of this Agreement. No other rights, and
particularly licenses, to trademarks, service marks, inventions, copyrights, or
patents are implied or granted under this Agreement.

          (c) Proprietary Information supplied shall not be reproduced in any
form or orally communicated except as required to accomplish the intent of this
Agreement.

          (d) The receiving party shall provide at a minimum the same care to
avoid disclosure or unauthorised use of the Proprietary Information as it
provides to protect its own proprietary information. It is agreed that all
Proprietary Information shall be retained by the receiving party in a secure
place with access limited to only such of the receiving party's employees or
agents who need to know such information for purposes of this Agreement.

          (e) All Proprietary Information, unless otherwise specified in
writing, shall remain the property of the disclosing party, shall be used by the
receiving party only for the purpose intended, and such Proprietary Information,
including all copies thereof, shall be returned to the disclosing party or
destroyed after the receiving party's need for it has expired or upon written
request of the disclosing party, and, in any event, upon termination of this
Agreement. The non-disclosing party shall promptly provide the disclosing party
written certification that all Proprietary Information has been returned or
destroyed.

          (f) It is understood that the term "Proprietary Information" does not
include information which:

               (1) has been lawfully published or is otherwise in the public
               domain through no fault of the parties;

               (2) prior to disclosure is properly within the legitimate
               possession of the receiving party without restriction of the
               receiving party's right to disseminate the information and
               without notice of any restriction against its further disclosure;

               (3) subsequent to disclosure is lawfully received from a third
               party having rights therein without restriction of the third
               party's right to disseminate the information and without notice
               of any restriction against its further disclosure;

               (4) is independently developed without breach of any obligation
               of confidentiality through parties who have not had, either
               directly or indirectly, access to or knowledge of such
               Proprietary Information;

               (5) is disclosed with the prior written approval of the other
               party; or

               (6) is obligated to be produced under order of a court of
               competent jurisdiction or other legal or regulatory process or
               procedure, provided that the party who is requested to produce
               the Proprietary Information shall promptly notify the other party
               in writing of the request.

     5.2 Use of Name. Each party agrees that, without the other party's written
consent, it will not use the name, service marks or trademarks of the other
party or of any of its affiliated companies in any advertising, publicity
releases or sales presentations. Neither party shall take any actions which will
in any manner compromise the other party's registered trademarks and/or service
marks.

                                       5
<PAGE>

     5.3 Remedies for Breach. The parties agree that a breach of the terms of
this Article 5 would result in irreparable injury to the non-breaching party for
which a remedy in damages would be inadequate. The parties agree that in the
event of such breach or threatened breach, the non-breaching party shall be
entitled to seek an injunction to prevent the breach or threatened breach, in
addition to remedies otherwise available at law or in equity.

                                    ARTICLE 6
                                  MISCELLANEOUS
                                  -------------

     6.1 Waiver. The failure of either party to give notice of default or to
enforce compliance with any of the terms or conditions of this Agreement, the
waiver of any term or condition of this Agreement, or the granting of an
extension of time for performance, shall not constitute a permanent waiver of
any term or condition of this Agreement, and this Agreement and each of its
provisions shall remain at all times in full force and effect until modified by
both parties in writing.

     6.2 Litigation Costs. In the event that a party institutes litigation to
enforce the terms of this Agreement or to collect any moneys due hereunder, the
prevailing party shall be entitled to recover, in addition to any other remedy,
reimbursement for reasonable attorneys' fees, court costs and other reasonable
related expenses incurred in connection therewith.

     6.3 Assignment. Neither party shall assign this Agreement or any rights
under this Agreement without the prior written consent of the other party.
Notwithstanding anything to the contrary herein, Viatel shall be entitled to
create a security interest in this Agreement in favor of its lenders without
Customer's consent. Any attempted assignment that does not comply with the terms
of this section shall be null and void.

     6.4 Notices. Any notice, approval, request, authorisation, direction or
other communication under this Agreement shall be given in writing and shall be
deemed to have been delivered and given for all purposes (a) on the delivery
date if delivered personally to the party to whom the same is directed, or (b)
on the date received if sent by express courier, registered or certified mail,
return receipt requested, postage and charges prepaid, or by facsimile with
receipt confirmed addressed as follows:

      If to Viatel:
                  Viatel, Inc.
                  656 Third Avenue, 25th Floor
                  New York, NY 10017 USA
                  Attn.: Jan Piazza, Vice President

                                       6
<PAGE>

   With a copy to:
                  Viatel, Inc.
                  656 Third Avenue, 25th Floor
                  New York, NY  10017
                  Attn.: Sheldon M. Goldman, Vice President,
                         Business and Legal Affairs
   If to Customer:
                  Fone.Com Ltd.
                  15-17 St. Cross Street, Suite 4c London EC1N 8UW, UK
                  Attn.: Clifford S. Postelnik, Managing Director

Either party may change its address specified above by giving the other party
notice of such change in accordance with this paragraph.

     6.5 Entire Agreement and Amendments. This Agreement sets forth the entire
understanding of the parties and supersedes any and all prior agreements,
arrangements or understandings relating to the subject matter hereof. This
Agreement shall not be amended in any way without a signed and otherwise
properly executed written agreement between the parties hereto.

     6.6 Jurisdiction. The parties hereto agree that (1) the rights and
obligations of the parties hereunder shall be governed by and interpreted,
construed, and enforced in accordance with the laws of England and (2) the forum
for any dispute hereunder shall be in any court located in England, and there
shall be no defence to the selection of such forum based on jurisdiction, venue
or convenience.

     6.7 Severability. In the event that any provision of this Agreement
conflicts with the law under which this Agreement is to be construed or if any
such provision is held invalid by a court with jurisdiction over the parties to
this Agreement, such provision shall be deemed to be restated to reflect as
nearly as possible the original intentions of the parties in accordance with
applicable law, and the remainder of this Agreement shall remain in full force
and effect.

     6.8 Headings; Rules of Construction. As used in this Agreement, neutral
pronouns and any variations thereof shall be deemed to include the feminine and
masculine and all terms used in the singular shall be deemed to include the
plural, and vice versa, as the context may require. The words "herein," "hereof"
and "hereunder" and other words of similar import refer to this Agreement as a
whole, including the Schedules and Exhibits hereto, as the same may from time to
time be amended or supplemented and not to any subdivision contained in this
Agreement. The word "including" when used herein is not intended to be exclusive
and means "including, without limitation". References herein to "UK Pounds,"
"UK.(pound)" and "(pound)" are to United Kingdom Pounds. References herein to an
Article, Section, subsection, clause, Schedule or Exhibit shall refer to the
appropriate Article, Section, subsection, clause, Schedule or Exhibit in or to
this Agreement, the and Section headings used herein are for reference purposes
only, and shall not in any way affect the meaning or interpretation of this
Agreement.

                                       7
<PAGE>

     6.9 Counterparts. This Agreement may be executed in counterparts, all of
which taken together shall constitute one instrument.

     6.10 Incorporation of Exhibits and Schedules. Each of the Exhibits and
Schedules identified in this Agreement or attached hereto are incorporated
herein by reference and made a part hereof. To the extent of any inconsistency
or conflict between the terms of Schedule or Exhibit and the terms of this
Agreement, the terms of such Schedule or Exhibit shall control, capitalised
terms used but not otherwise defined in the Schedules or Exhibits shall have the
meanings ascribed to them in the Agreement.

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

                                  Viatel UK Ltd.

                                  By: /illegible/
                                  ---------------

                                  Title: Vice President
                                  ---------------------

                                  Accepted and Agreed By:
                                  Fone.Com Ltd.

                                  By: /C.S. Postelnik/
                                  --------------------

                                  Title: Managing Director, Europe
                                  --------------------------------
                                              22/2/00

                                       8
<PAGE>

                   SCHEDULE A- THE CARRIER SERVICES AGREEMENT

A.1 Purchase and Sale of Services. Fom.Com LTD ("customer") agrees to purchase
from Viatel UK Ltd. ("Viatel")and Viatel agrees to sell to Customer, the long
distance telephone services (the "Carrier Services") set forth in Exhibit 1 at
the stated rates, with the understanding that such Customer is responsible for
delivering its call or other services to Viatel's switching site at Viatel
Global Communications, Telehouse, Corlander Avenue, London E14 2AA United
Kingdom or such points and locations as may be mutually agreed upon:

A.2 Rate Changes. Viatel reserves the right to adjust its rates at any time upon
seven (7) days' prior written notice to Customer, and Customer's continued use
of the Carrier Service constitutes acceptance of the rates and Customer's
agreement to pay all applicable charges.

A.3 Payment Security. Upon the request of Viatel, Customer shall provide
financial statements, credit reports and other publicly available financial
information reasonably requested by Viatel to determine Customer's
creditworthiness. If requested by Viatel, Customer shall provide a cash deposit,
a letter of credit drawn on a financial institution acceptable to Viatel or such
other security as Viatel and Customer may agree upon prior to Viatel rendering
any Service to secure Customer's payments during the term that Services are
provided hereunder. Subject to Section 3.3 of the Agreement, Viatel may offset
against the security any amounts due under the Agreement by Customer that are
not paid when due. Upon the expiration of termination of the Agreement for any
reason, Viatel shall have the right to offset against the security any amounts
owed to it by Customer and shall remit the balance promptly to Customer without
interest.

A.4 Applicability of Tariffs and Laws. Service provided hereunder and the rights
and obligations of the parties hereunder may be subject to and be governed by
tariffs filed by Viatel from time to time with the Federal Communications
Commission or any applicable regulatory authority (collectively, the "Tariffs"),
the terms of which are incorporated herein by reference. If there is any
conflict or inconsistency between the terms of this Agreement and any of the
Tariffs applicable to this Agreement, the terms of the applicable Tariff(s)
shall control and the Agreement shall be deemed amended accordingly. The Tariffs
are subject to modification in accordance with applicable law and the rules and
regulations of application regulatory authorities. The provision of Service
under this hereunder also is subject to applicable law and the rules and
regulation of application regulatory authorities. Each party shall perform its
obligations hereunder in compliance with applicable laws.

A.5 Resale of Services

     (a) In reselling Viatel's Service under this Agreement, Customer will
observe the highest standard of integrity and fair dealing with members of the
public. Customer agrees to sell and bill Viatel's Service under its own business
name, identify or mark, and Customer further agrees not to reference Viatel's
name or marks in any context involving its furnishing of service(s) to the
public. If any violation of the provision occurs during the term of this
Agreement, Viatel may terminate this Agreement on five (5) business days written
notice. Furthermore, Customer agrees to indemnify Viatel for any actions,
claims, suites or damages arising out of any allegation that if proved would
cause Customer to be in breach of this provision and Customer shall also pay all
attorney's fees and costs incurred by Viatel due to any actions, claims, suits,
or damages arising out of such allegations.

<PAGE>

     (b) Customer agrees that it will obtain, or already has obtained and will
subsequently maintain any and all approvals to resell Viatel's Service hereunder
as required by law. In the event Customer fails to obtain or maintain the
appropriate approvals, Viatel shall not be liable for any delay or failure to
provide Viatel's Services.

     (c) Customer shall have sole responsibility for interacting with its
customers in all matter pertaining to service, including the placing and
handling of services orders, service installation, operation and termination,
dispute handling and resolution, and billing and collection matters. Viatel
shall incur no obligation, nor shall it be deemed to have obligation, to
interact with Customer's customers for any reason or purpose. Customer shall
cooperate with Viatel as necessary to address and resolve service-related issues
and problems and shall impose upon its customers an obligation to cooperate,
with Customer in addressing and resolving service-related issues and problems.

     (d) Customer understands and accepts that, as part of Viatel's normal
business policy and practices and its obligations under law, Viatel will engage
in extensive marketing efforts in attempt to sell its services to the public and
that such efforts will result in active competition with Customer for the
business of users who are Customer's customers or prospects. Accordingly,
Customer further understands and accepts that such that such competition by
Viatel is in all respects fair and proper and that Customer shall not complain,
or be heard to complain, of business lost to Viatel. Under no circumstances
shall any inference be derived that Viatel's entry into this Agreement with
Customer means that Viatel will restrict its efforts to compete against Customer
in any way.

     (e) Customer understands and accepts that no fiduciary relationship arises
by virtue of this Agreement and that, accordingly, Viatel incurs none of the
obligations that arise in such relationship as an incident of its fulfilling its
obligations under this Agreement. Further, Customer understands and accepts that
Viatel is not an insurer of profits for Customer, nor does Viatel guarantee the
success of Customer's business as a result of Customer's receipt of Service(s)
under this Agreement.

A.6 Fraudulent Calls. Viatel shall not be liable for any fraudulent calls
delivered to Viatel and billed to Customer's account. Viatel shall notify
Customer promptly of any fraudulent calling of which Viatel has actual
knowledge, it being understood that Viatel is under no obligation to investigate
the authenticity of calls charged to Customer's account.

<PAGE>

IN WITNESS  WHEREOF,  the parties accept this Schedule A to the Master  Services
Agreement dated 22nd February 2000 between Viatel and Customer as of this 22 day
of February, 2000.

                                            Viatel UK Ltd.

                                            By: /illegible/
                                            ---------------

                                            Title: Vice President
                                            ---------------------

                                            Accepted and Agreed by:
                                            Fone.Com Ltd.

                                            By: /C.S. Postelnik/
                                            --------------------
                                            Title: Managing Director- Europe
                                            --------------------------------

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