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                                                                   EXHIBIT 10.1

                            MICRO GENERAL CORPORATION

                             1995 STOCK OPTION PLAN

        1. PURPOSE. The Plan is intended to provide incentive to key employees,
consultants and directors of the Corporation, to encourage proprietary interest
in the Corporation, to encourage such key employees to remain in the employ of
the Corporation and its Subsidiaries, to attract new employees with outstanding
qualifications, and to afford additional incentive to consultants to increase
their efforts in providing significant services to the Corporation.

        2. DEFINITIONS.

           (a) "Board" shall mean the Board of Directors of the Corporation.

           (b) "Code" shall mean the Internal Revenue Code of 1986, as amended.

           (c) "Committee" shall mean the committee, if any appointed by the
Board in accordance with Section 4 of the Plan.

           (d) "Common Stock" shall mean the Common Stock, par value $.O1 per
share, of the Corporation.

           (e) "Corporation" shall mean Micro General Corporation, a California
corporation.

           (f) "Director Option" shall mean an Option granted pursuant to
Section 5.

           (g) "Disability" shall mean the condition of an Employee who is
unable to engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment which can be expected to result in
death or which has lasted or can be expected to last for a continuous period of
not less than twelve (12) months.

           (h) "Disinterested Director" shall mean a director of the Company who
is "disinterested" within the meaning of Rule 16b-3 under the Exchange Act.

           (i) "Employee" shall mean an individual who is employed (within the
meaning of Code Section 3401 and the regulations thereunder) by the Corporation
or a Subsidiary.

           (j) "Exercise Price" shall mean the price per Share of Common Stock,
determined by the Board or the Committee, at which an Option may be exercised.

           (k) "Fair Market Value" shall mean the value of one (1) Share of
Common

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Stock, determined as follows:

               (1) If the Shares are traded on an exchange, the price at which
Shares traded at the close of business on the date of valuation;

               (2) If the Shares are traded over-the-counter on the NASDAQ
System, the closing price if one is available, or the mean between the bid and
asked prices on said System at the close of business on the date of valuation;
and

               (3) If neither (1) nor (2) applies, the fair market value as
determined by the Board or the Committee in good faith. Such determination shall
be conclusive and binding on all persons.

           (l) "Incentive Stock Option" shall mean an option described in
Section 422 of the Code.

           (m) "Nonstatutory Stock Option" shall mean any stock granted pursuant
to the Plan.

           (n) "Optionee" shall mean an employee who has received an Option.

           (o) "Outside Director" shall mean a director of the Company who is an
outside director within the meaning of 162(m) of the Code.

           (p) "Plan" shall mean the Micro General Corporation 1995 Stock Option
Plan, as it may be amended from time to time.

           (q) "Retirement" shall mean the voluntary termination of employment
by an Employee upon the attainment of age sixty-five (65) and the completion of
not less than twenty (20) years of service with the Corporation or a Subsidiary.

           (r) "Share" shall mean one (1) share of Common Stock, adjusted in
accordance with Section 10 of the Plan (if applicable).

           (s) "Subsidiary" shall mean any corporation at least fifty percent
(50%) of the total combined voting power of which is owned by the Corporation or
by another Subsidiary.

        3. EFFECTIVE DATE. The Plan was adopted by the Board on February 9,
1995, subject to the approval by the Corporation's shareholders. The Plan is
being submitted to the shareholders of the Corporation for their approval at the
Annual Meeting thereof scheduled for June 8, 1995. The effective date of the
Plan shall be February 9, 1995, provided that the Plan is approved by the
shareholders of the Corporation at the Annual Meeting.

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        4. ADMINISTRATION. The Plan shall be administered by the Outside
Directors of the Board, or by a committee appointed by the Board which shall
consist of not less than three (3) members each of whom are Disinterested
Directors and Outside Directors (the "Committee"). The Board shall appoint one
of the members of the Committee, if there be one, as Chairman of the Committee.
If a Committee has been appointed, the Committee shall hold meetings at such
times and places as it may determine. Acts of a majority of the Committee at
which a quorum is present, or acts reduced to or approved in writing by a
majority of the members of the Committee, shall be the valid acts of the
Committee. The Board, or the Committee if there be one, shall from time to time
at its discretion select the Employees and consultants who are to be granted
Options, determine the number of Shares to be granted to each Optionee and
designate such Options such as Incentive Stock Options or Non-statutory Stock
Options, except that no Incentive Stock Option may be granted to a non-Employee
consultant. The interpretation and construction by the Board, or by the
Committee if there be one, of any provision of the Plan or of any Option granted
thereunder shall be final. No member of the Board or of the Committee shall be
liable for any action or determination made in good faith with respect to the
Plan or any Option granted thereunder.

        5. PARTICIPATION.

           (a) Option Grants for Employees and Consultants.

               (1) Ten-Percent Shareholders. An Employee who owns more than ten
percent (10%) of the total combined voting power of all classes of outstanding
stock of the Corporation, its parent or any of its Subsidiaries shall not be
eligible to receive an Option unless (1) the Exercise Price of the Shares
subject to such Option is at least one hundred percent (100%) of the Fair Market
Value of such Shares on the date of grant and (ii) such Option by its terms is
not exercisable after the expiration of five (5) years from the date of grant.

               (2) Stock Ownership. For purposes of (1) above, in determining
stock ownership an Employee shall be considered as owning the stock owned,
directly or indirectly, by or for his brothers, sisters, spouses, ancestors and
lineal descendants. Stock owned, directly or indirectly, by or for a
corporation, partnership, estate or trust shall be considered as being owned
proportionately by or for its shareholders, partners or beneficiaries. Stock
with respect to which such Employee holds an Option shall not be counted.

               (3) Outstanding Stock. For purposes of (1) above, "outstanding
stock" shall include all stock actually issued and outstanding immediately after
the grant of the Option to the Optionee. "Outstanding stock" shall not include
shares authorized for issue under outstanding Options held by the Optionee or by
any other person.

           (b) Option Grants for Non-Employee Directors.

               (1) Grant. Subject to the availability of an adequate number of
Shares

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designated under the Plan, each non-Employee Director shall be granted Director
Options under the Plan automatically on a non-discretionary basis according to
the following provisions of this Section 5(b). Director Options shall be granted
automatically to non-Employee Directors as follows: (i) each person who is a
non-Employee Director on the first business day following the 1995 annual
meeting of stockholders of the Company shall be granted on such date an Option
to purchase 2,500 Shares; and (ii) thereafter, each person who is a non-Employee
Director on the first business day following the day of a subsequent annual
meeting of stockholders shall be granted on such first business day an Option to
purchase 2,500 Shares.

           (2) Duration. Each Director Option shall terminate on the date which
is the tenth anniversary of the grant date, unless terminated earlier as
follows:

               (a) If an Optionee's service as a Director terminates for any
reason other than Disability, death, or cause, the Optionee may for a period of
three (3) months after such termination exercise his or her Option to the
extent, and only to the extent, that such Option or portion thereof was
exercisable as of the date of the Optionee's service as a Director was
terminated, after which time the Option shall automatically terminate in full.

               (b) If an Optionee's service as a Director terminates by reason
of Disability, the Optionee may, for a period of one (1) year after such
termination, exercise his or her Option to the extent, and only to the extent,
that such Option or portion thereof was vested and exercisable as of the date
the Optionee's service as Director terminated, after which one (1) year period
the Option shall automatically terminate in full.

               (c) If an Optionee's service as a Director terminates for cause,
the Option granted to the Optionee hereunder shall immediately terminate in full
and no rights thereunder may be exercised.

               (d) If an Optionee dies while a Director or within three (3)
months after termination of service as a Director as described in clause (a) or
(b) of this Section 5(b)2, the Option granted to the Optionee may be exercised
at any time within twelve (12) months after the Optionee's death by the person
or persons to whom such rights under the Option shall pass by will, or by the
laws of descent or distribution, after which time the Option shall terminate in
full; provided, however. that an Option may be exercised to the extent, and only
to the extent, that the Option or portion thereof was exercisable on the date of
termination of the Optionee's services as a Director.

        6. STOCK. The stock subject to Options granted under the Plan shall be
Shares of the Corporation's authorized but unissued or reacquired Common Stock.
The aggregate number of Shares which may be issued upon exercise of Options
under the Plan shall not exceed 100,000 shares. The number of Shares subject to
Options outstanding at any time shall not exceed the number of Shares remaining
available for issuance under the Plan. In the event that any outstanding Option
for any reason expires or is terminated, the Shares allocable to the

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unexercised portion of such Option may again be made subject to any Option. The
limitations established by this Section 6 shall be subject to adjustment in the
manner provided in Section 10 hereof upon the occurrence of an event specified
therein.

        7. TERMS AND CONDITIONS of OPTIONS.

           (a) Stock Option Agreements. Options shall be evidenced by written
stock option agreements in such form as the Board, or the Committee if there be
one, shall from time to time determine. Such agreements shall comply with and be
subject to the terms and conditions set forth below.

           (b) Number of Shares. Each Option shall state the number of Shares to
which it pertains and shall provide for the adjustment thereof in accordance
with the provisions of Section 10 hereof.

           (c) Exercise Price. Each Option shall state the Exercise Price. The
Exercise Price in the case of any Incentive Stock Option shall not be less than
the Fair Market Value on the date of grant and, in the case of any Option
granted to an Optionee shall not be less than one hundred percent (100%) of the
Fair Market Value on the date of grant.

           (d) Time of Payment. The purchase price shall be payable in full in
United States dollars upon the exercise of the Option.

           (e) Term and Nontransferability of Options. Each Option shall state
the time or times which all or part thereof becomes exercisable. No Option shall
be exercisable after the expiration of ten (10) years from the date it was
granted, and no Option granted to an Optionee described in Section 5(a)1 hereof
shall be exercisable after the expiration of five (5) years from the date it was
granted. During the lifetime of the Optionee, the Option shall be exercisable
only by the Optionee and shall not be assignable or transferable. In the event
of the Optionee's death, the Option shall not be transferable by the Optionee
other than by will or the laws of descent and distribution.

           (f) Termination of Employment. Except by Death. Disability or
Retirement. If an Optionee ceases to be an Employee for any reason other than
his or her death, Disability or Retirement, such Optionee shall have the right,
subject to the restrictions of (3) above, to exercise the Option at any time
within three (3) months after termination of employment, but only to the extent
that, at the date of termination of employment, the Optionee's right to exercise
such Option had accrued pursuant to the terms of the applicable option agreement
and had not previously been exercised; provided, however, that if the Optionee
was terminated for cause (as defined in the applicable option agreement) any
Option not exercised in full prior to such termination shall be cancelled. For
this purpose, the employment relationship shall be treated as continuing intact
while the Optionee is on military leave, sick leave or other bona fide leave of
absence (to be determined in the sole discretion of the Committee). The
foregoing

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notwithstanding, in the case of an Incentive Stock Option, employment shall not
be deemed to continue beyond the ninetieth (90th) day after the Optionee's
reemployment rights are guaranteed by statute or by contract.

           (g) Death of Optionee. If an Optionee dies while an Employee, or
after ceasing to be an Employee but during the period while he or she could have
exercised the Option under this Section 7, and has not fully exercised the
Option, then the Option may be exercised in full, subject to the restrictions of
(3) above, at any time within twelve (12) months after the Optionee's death, by
the executors or administrators of his or her estate or by any person or persons
who have acquired the Option directly from the Optionee by bequest or
inheritance, but only to the extent that, at the date of death, the Optionee's
right to exercise such Option had accrued and had not been forfeited pursuant to
the terms of the applicable Option Agreement and had not previously been
exercised.

           (h) Disability, of Optionee. If an Optionee ceases to be an Employee
by reason of Disability, such Optionee shall have the right, subject to the
restrictions of (f) above, to exercise the Option at any time within twelve (12)
months after termination of employment, the Optionee's right to exercise such
Option had accrued pursuant to the terms of the applicable Option Agreement and
had not previously been exercised.

           (i) Retirement of Optionee. If an Optionee ceases to be an Employee
by reason of Retirement, such Optionee shall have the right, subject to the
restrictions of (3) above, to exercise the Option at any time within three (3)
months after termination of employment, but only to the extent that, at the date
of termination of employment, the Optionee's right to exercise such Option had
accrued pursuant to the terms of the applicable Option Agreement and had not
previously been exercised.

           (j) Rights as a Stockholder. An Optionee, or a transferee of an
Optionee, shall have no rights as a stockholder with respect to any Shares
covered by his or her Option until the date of the issuance of a stock
certificate for such Shares. No adjustment shall be made for dividends (ordinary
or extraordinary, whether in cash, securities or other property), distributions
or other rights for which the record date is prior to the date such stock
certificate is issued, except as provided in Section 10 hereof.

           (k) Modification. Extension and Renewal of Option. Within the
limitations of the Plan, the Board, or the Committee if there be one, may
modify, extend or renew outstanding Options or accept the cancellation of
outstanding Options (to the extent not previously exercised) for the granting of
new Options in substitution thereof. The foregoing notwithstanding, no
modification of an Option shall, without the consent of the Optionee, alter or
impair any rights or obligations under any Option previously granted.

           (l) Other Provisions. The stock option agreements authorized under
the Plan may contain such other provisions not inconsistent with the terms of
the Plan (including, without

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limitation, restrictions upon the exercise of the Option) as the Board, or the
Committee if there be one, shall deem advisable.

        8. LIMITATION ON VALUE OF EXERCISABLE SHARES. In the case of Incentive
Stock Options granted hereunder, the aggregate Fair Market Value (determined as
of the date of the grant thereof) of the Shares with respect to which Incentive
Stock Options become exercisable by any employee of the Company for the first
time during any calendar year (under this Plan and all other plans maintained by
the Corporation, its parent or its Subsidiaries) shall not exceed $100,000.

        9. TERM OF PLAN. Options may be granted pursuant to the Plan until the
expiration of ten (10) years from the effective date of the Plan.

        10. RECAPITALIZATIONS. Subject to any required action by shareholders,
the number of Shares covered by the Plan as provided in Section 6 hereof, the
number of Shares covered by each outstanding Option and the Exercise Price
thereof shall be proportionately adjusted for any increase or decrease in the
number of issued Shares resulting from a subdivision or consolidation of Shares
or the payment of a stock dividend (but only of Common Stock) or any other
increase or decrease in the number of issued Shares effected without receipt of
consideration by the Corporation. Subject to any required action by stockholder,
if the Corporation is the surviving corporation in any merger or consolidation,
each outstanding Option shall pertain and apply to the securities to which a
holder of the number of Shares subject to the Option would have been entitled.
In the event of a merger or consolidation in which the Corporation is not the
surviving corporation, the date of exercisability of each outstanding Option
shall be accelerated to a date prior to such merger or consolidation, unless the
agreement of merger or consolidation provides for the assumption of the Option
by the successor to the Corporation. To the extent that the foregoing
adjustments relate to securities of the Corporation, such adjustments shall be
made by the Board, or the Committee if there be one, whose determination shall
be conclusive and binding on all persons. Except as expressly provided in this
Section 10, the Optionee shall have no rights by reason of subdivision or
consolidation of shares of stock of any class, the payment of any stock dividend
or any other increase or decrease in the number of shares of stock of any class
or by reason of any dissolution, liquidation, merger or consolidation or
spin-off of assets or stock of another corporation, and any issue by the
Corporation of shares of stock of any class, or securities convertible into
shares of stock of any class, shall not affect, and no adjustment by reason
thereof shall be made with respect to, the number of Exercise Price of Shares
subject to an Option. The grant of an Option pursuant to the Plan shall not
affect in any way the right or power to the Corporation to make adjustments,
reclassifications, reorganizations or changes of its capital or business
structure, to merge or consolidate or to dissolve, liquidate, sell or transfer
all or any part of its business assets.

        11. SECURITIES LAW REQUIREMENTS.

            (a) Legality of Issuance. The issuance of any Shares upon the
exercise of any

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Option and the grant of any Option shall be contingent upon the following:

                  (1) The Corporation and the Optionee shall have taken all
actions required to register the Shares under the Securities Act of 1933, as
amended (the "Act"), and to qualify the Option and the Shares under any and all
applicable state securities or "blue sky" laws or regulations, or to perfect an
exemption from the respective registration and qualification requirements
thereof;

                  (2) Any applicable listing requirement of any stock exchange
on which the Common Stock is listed shall have been satisfied; and

                  (3) Any other applicable provision of state or Federal law
shall be satisfied.

           (b) Restrictions on Transfer. Regardless of whether the offering and
sale of Shares under the Plan has been registered under the Act or has been
registered or qualified under the securities laws of any state, the Corporation
may impose restrictions on the sale, pledge or other transfer of such Shares
(including the placement of appropriate legends on stock certificates) if, in
the judgment of the Corporation and its counsel, such restrictions are necessary
or desirable in order to achieve compliance with the provisions of the Act, the
securities laws of any state or any other law. In the event that the sale of
Shares under the Plan is not required an investment representation or other
representation, each Optionee shall be required to represent that such Shares
are being acquired for investment, and not with a view to the sale or
distribution thereof, and to make such other representations as are deemed
necessary or appropriate by the Corporation and its counsel. Any determination
by the Corporation and its counsel in connection with any of the matter set
forth in this Section 11 shall be conclusive and binding on all persons. Stock
certificates evidencing Shares acquired under the Plan pursuant to an
unregistered transaction shall bear the following restrictive legend and such
other restrictive legends as are required or deemed advisable under the
provisions of any applicable law.

           "THE SALE OF THE SECURITIES REPRESENTED HEREBY HAS NOT BEEN
REGISTERED UNDER THE SECURITIES ACT OF 1933 (THE "ACT"). ANY TRANSFER OF SUCH
SECURITIES WILL BE INVALID UNLESS A REGISTRATION STATEMENT UNDER THE ACT IS IN
EFFECT AS TO SUCH TRANSFER OR IN THE OPINION OF COUNSEL FOR THE ISSUER SUCH
REGISTRATION IS UNNECESSARY IN ORDER FOR SUCH TRANSFER TO COMPLY WITH THE ACT."

           (c) Registration or Qualification of Securities. The Corporation may,
but shall not be obligated to register or qualify the issuance of Options and/or
the sale of Shares under the Act or any other applicable law. The Corporation
shall not be obligated to take any affirmative action in order to cause the
issuance of Options or the sale of Shares under the Plan to comply with any law.

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           (d) Exchange of Certificates. If, in the opinion of the Corporation
and its counsel, any legend placed on a stock certificate representing shares
sold under the Plan is no longer required, the holder of such certificate shall
be entitled to exchange such certificate for a certificate representing the same
number of Shares but lacking such legend.

        12. INTERPRETATION. Unless otherwise expressly stated in the relevant
Agreement, any grant of Options is intended to be performance-based compensation
within the meaning of Section 162(m)(4)(C) of the Code. The Board, or Committee
if there be one, shall not be entitled to exercise any discretion otherwise
authorized hereunder with respect to such Options if the ability to exercise
such discretion or the exercise of such discretion itself would cause the
compensation attributable to such Options to fail to qualify as
performance-based compensation.

        13. AMENDMENT OF THE PLAN. The Board may from time to time, with
respect to any Shares at the time not subject to Options, suspend or discontinue
the Plan or revise or amend it in any respect whatsoever except that, without
the approval of the Corporation's stockholders, no such revision or amendment
shall:

            (a) Increase the number of Shares subject to the Plan; or

            (c) Amend this Section 12 to defeat its purpose.

        14. APPLICATION OF FUNDS. The proceeds received by the Corporation from
the sale of Common Stock pursuant to the exercise of an Option will be used for
general corporate purposes.

        15. EXECUTION. To record the adoption of the Plan in the form set forth
above by the Board effective as of February 9, 1995, the Corporation has caused
this Plan to be executed in the name and on behalf of the Corporation where
provided below by an officer of the Corporation thereunto duly authorized.

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                                                                    EXHIBIT 10.7
                              EMPLOYMENT AGREEMENT

        THIS EMPLOYMENT AGREEMENT (the "Agreement") is effective as of April
15,1999 (the "Effective Date"), by and between MICRO GENERAL CORPORATION, a
Delaware corporation (the "Company"), and JOHN SNEDEGAR (the "Employee"), and
supersedes any and all prior employment agreements or understandings entered
into between the parties; provided, however, this Agreement shall not supersede
or otherwise affect (i) any Company options or other securities previously
granted the Employee or (ii) the terms and conditions of that certain Inducement
Agreement, dated August 11, 1998. In consideration of the mutual covenants and
agreements set forth herein, the parties agree as follows:

        1. Employment and Duties. Subject to the terms and conditions of this
Agreement, the Company employs the Employee to serve in an executive and
managerial capacity as the President and Chief Executive Officer of the Company,
and the Employee accepts such employment and agrees to perform such reasonable
responsibilities and duties commensurate with the aforesaid positions as
lawfully directed by the Company's Board of Directors (the "Board"), or as set
forth in the Bylaws of the Company.

        2. Term. The term of this Agreement shall commence on the Effective Date
and shall continue for a period of three (3) years ending April 14, 2002,
subject to prior termination as set forth in Section 7, below (the "Term"). The
Term may be extended at any time upon mutual agreement of the parties.

        3. Salary. During the Term, the Company shall pay the Employee a minimum
base annual salary of Two Hundred Fifty Thousand Dollars ($250,000), payable at
the times and in the manner dictated by the Company's standard payroll policies
(the "Base salary"). The Base Salary shall be periodically reviewed and
increased at the discretion of the Board to reflect, among other matters, cost
of living increases and performance results.

        4. Other Compensation and Fringe Benefits. During the Term, as
additional compensation, the Employee shall be entitled to receive and
participate in the following:

               (a) Incentive Bonus. A year-end bonus equal to ten percent (10%)
of the "audited pre-tax profits" of the Company for each calendar year during
the Term of this Agreement (the "Incentive Bonus"). For calendar year 1999 only,
the Incentive Bonus calculation shall be pro-rated for the period from the
Effective Date through December 31, 1999, but shall in no event be less than One
Hundred Fifty Thousand Dollars ($150,000). For calendar year 2002 only, he
Incentive Bonus calculation shall be pro-rated for the period from January 1,
2002 through the end of the Term. As used herein, "audited pre-tax profits"
shall mean the audited pre-tax profits of the Company determined by the
Company's outside accounting firm in accordance with generally accepted
accounting principles ("GAAP") applied on a consistent basis and will include
the results of the Company and its subsidiaries on a consolidated basis. In
addition, "audited pre-tax profits" shall be determined only after the amount of
the Employee's year-end Incentive Bonus has been taken into account by the
Company and shall be adjusted by deduction of supplementary bonuses and/or
advances paid to other "key" employee's of the Company for the applicable year
(which employees shall be designated and agreed upon by the Employee and the
Board). The accrual of the Incentive Bonus shall commence as of the Effective
Date. Although the Incentive Bonus is deemed earned on December 31 of the year
for which such bonus is being calculated, if the Employee's employment with the
Company is terminated pursuant to Section 7 below, whether voluntarily or
involuntarily, prior to December 31 of the year to which the Incentive

<PAGE>

Bonus relates, then the Company's obligation to pay the Employee all or a
portion of the Incentive Bonus for the year in which termination occurs shall be
governed by the appropriate provision of Section 7 below; provided, however,
that expiration of the Term shall not constitute a voluntary or involuntary
termination of employment. Any Incentive Bonus due for a given year of the term
shall be paid no later than April 15th of the following year (including no later
than April 15, 2003 for the pro-rated bonus earned in 2002); and

               (b) Transaction Bonus. In connection with the sale or transfer to
a person or entity other than Fidelity National Financial Inc. ("FNFI") or its
"affiliates" (as defined in Section 21 below) of (i) all or a majority of the
outstanding capital stock or other equity interest of any subsidiary of the
Company; or (ii) all or substantially all of the assets of any material division
of the Company or any of its subsidiaries, the Company shall pay the Employee a
bonus (the "Transaction Bonus") equal to five percent (5%) of "Net Transaction
Proceeds." For purposes of this subsection (b), the term "Net Transaction
Proceeds" shall mean (A) the value of the consideration actually received by the
Company in connection with such transaction, less (B) the sum of (i) the
Company's cost basis, as determined by the Company's outside accounting firm in
accordance with GAAP, in the securities or assets being sold (the "Company's
Investment"), plus (ii) an amount equal to a ten percent (10%) cumulative
annualized rate of return on the Company's Investment. Notwithstanding anything
to the contrary above, the Transaction Bonus shall not apply to a sale or
transfer by the Company of the assets comprising the postal meter and/or postal
scale division of the Company. The Transaction Bonus shall be paid to the
Employee within ninety (90) days of the later of (i) the closing of the
applicable transaction; or (ii) the date on which the Company actually receives
at least eighty percent (80%) of the total consideration to be received in
connection with such transaction. In addition, the Transaction Bonus will be due
and payable to the Employee notwithstanding the termination of this Agreement if
(i) this Agreement is terminated (a) as a result of the failure by the Company
to extend the Term, (b) after the first full year of this Agreement, by either
the Company pursuant to Section 7(b) or the Employee for Good Reason pursuant to
Section 7(b), (c) as a result of the Employee's disability or death pursuant to
Sections 7(c) and 7(d), respectively and (ii) prior to such termination, the
transaction giving rise to the Transaction Bonus was reduced to a definitive
written agreement and the transaction closes within six (6) months of the date
of termination in substantial accordance with the terms of the written
agreement. Moreover, if this Agreement is terminated by the Employee under
Section 7(b) for any reason other than Good Reason, then the Transaction Bonus
will be due and payable to the Employee notwithstanding the termination of this
Agreement, provided the transaction in question formally closed prior to the
date of termination.

               (c) Options. A grant on the Effective Date under the Company's
Executive Stock Option Plan of options to purchase Fifty Thousand (50,000)
shares of the Company's Common Stock. The exercise price for such options shall
be the closing price on the Effective Date of the Company's publicly traded
Common Stock. In addition, all such options shall vest options the Effective
Date, after which the Employee shall have ten (10) years to exercise the
options, subject to any terms to the contrary in the Company's Executive Stock
Option Plan; and

               (d) Standard Benefits. The standard Company benefits enjoyed by
the Company's other senior executives; and

               (e) Club Membership. Payment by the Company of the Employee's
membership dues in a social and/or recreational club as deemed necessary and
appropriate by the Employee (and pre-approved by the Company) to maintain
various business relationships on behalf of the Company;

<PAGE>

provided, however, that the Company shall not be obligated to pay for any of the
Employee's personal purchases and expenses at such club; and

               (f) Medical Insurance. Provision by the Company during the Term
and any extensions thereof to the Employee and his dependents of the medical and
other insurance coverage provided by FNFI to its senior executives; and

               (g) Life Insurance. The procurement of insurance on the
Employee's life in the amount of one million dollars ($1,000,000). The premiums
of such policy shall be paid by the Company and the Employee shall be entitled,
in his sole discretion, to designate the beneficiary of such policy. At the
Employee's request at the end of the Term, the Company will assign the insurance
policy to the Employee and the Employee shall have no obligation to the Company
in respect of premiums previously paid.

The Company shall deduct from all compensation payable under this Agreement to
the Employee any taxes or withholdings the Company is required to deduct
pursuant to applicable state and federal laws or by mutual agreement between the
parties.

        5. Vacation. For and during each year of the Term and any extensions
thereof, the Employee shall be entitled to reasonable paid vacation periods
consistent with his position with the Company and in accordance with the
Company's standard policies, or such greater entitlement as the Board may
approve. In addition, the Employee shall be entitled to such holidays consistent
with the Company's standard policies or such greater entitlement as the Board
may approve.

        6. Expense Reimbursement. In addition to the compensate and benefits
provided herein, the Company shall, upon receipt of appropriate documentation,
reimburse the Employee each month for his reasonable travel, lodging,
entertainment, promotion and other ordinary and necessary business expenses. The
arrangement set forth in this Section 6 is intended to constitute an accountable
plan within the meaning of Section 162 of the Internal Revenue Code, as amended
(the "Code"), and the accompanying regulations, and the Employee agrees to
comply with all reasonable guidelines established by the Company from time to
time to meet the requirements of Section 162 of the Code and the accompanying
regulations.

        7. Termination.

               (a) For Cause. Notwithstanding anything to the contrary contained
herein, the Company may terminate this Agreement immediately for "cause" upon
written notice to the Employee, in which event the Company shall be obligated to
pay the Employee that portion of the Base Salary due him through the date of
termination, and accrued and unpaid expense reimbursement pursuant to Section 6
hereof. For purposes of this Agreement, "cause" shall mean (i) a material breach
by the Employee of this Agreement, which breach is not cured within thirty (30)
days after written notice thereof from the Company to the Employee; (ii) the
repeated failure of the Employee to comply with the Company's lawful corporate
policies to the extent set forth in writing; (iii) misconduct, dishonesty,
insubordination, or any other act by the Employee that in any way has a direct
and substantial adverse effect on the Company's business or reputation, or its
relationship with its customers or employees, including, without limitation (a)
the use of alcohol such as to materially interfere with the Employee's
obligations hereunder, (b) the use of illegal drugs, or (c) conviction of a
felony or of any crime involving moral turpitude or theft; or (iv) the failure
by the Employee to comply with applicable laws or governmental regulations
pertaining to his employment hereunder which non-compliance has a material
adverse effect on the Company.

<PAGE>

               (b) Without Cause. Either party may terminate this Agreement
immediately without cause by giving written notice to the other. If the Company
terminates under this Section 7(b) within the first (1st) full year of this
Agreement, then the Company shall only be obligated to pay to the Employee that
portion of the Base Salary due him through the date of termination, and accrued
and unpaid expense reimbursement pursuant to Section 6 hereof. If, after the
first (1st) full year of this Agreement, the Company terminates under this
Section 7(b) or if the Employee resigns for "Good Reason" (as defined below),
then the Company shall pay to the Employee an amount equal to the Base Salary in
effect as of the date of termination multiplied by the greater of (A) the number
of years (including partial years) remaining in the Term, or (B) the number two
(2); (ii) any pro-rated Incentive Bonus earned by the Employee through the date
of termination; (iii) any Transaction Bonus due the Employee in accordance with
the terms of Section 4(b); and (iv) accrued and unpaid expense reimbursement
pursuant to Section 6 hereof Such payment shall be made in a lump sum on or
before the fifth (5th) day following the date of termination, or as otherwise
directed by the Employee; provided, however, that the pro-rated Incentive Bonus
and the Transaction Bonus, if any, shall be paid in accordance with Sections
4(a) and 4(b), respectively. For purposes of this Section 4(b), the term "Good
Reason" shall mean a material and substantial reduction in the Employee's
responsibilities and duties hereunder, which reduction was not preapproved in
writing by the employee. If the Employee terminates under this Section 7(b)
other than for Good Reason, then the Company shall only be obligated to pay the
Employee (i) the Base Salary due him through the date of termination; (ii)
accrued and unpaid expense reimbursement pursuant to Section 6 hereof, and (iii)
any Transaction Bonus, provided the transaction in question formally closed
prior to the date of termination.

               (c) Disability. If the Employee fails to perform his duties
hereunder on account of illness or other incapacity for a period of four (4)
consecutive months, then the Company shall have the right upon written notice to
the Employee to terminate this Agreement without further obligation by paying
the Employee (1) the Base Salary, without offset, for the remainder of the Term
in a lump sum or as otherwise directed by the Employee; (ii) any pro-rated
Incentive Bonus earned by the Employee through the date of termination; (iii)
any Transaction Bonus due the Employee in accordance with the terms of Section
4(b); and (iv) accrued and unpaid expense reimbursement pursuant to Section 6
hereof Such payment shall be made in a lump sum on or before the fifth (5th) day
following the date of termination, or as otherwise directed by the Employee;
provided, however, that the pro-rated Incentive Bonus and the Transaction Bonus,
if any, shall be paid in accordance with Sections 4(a) and 4(b), respectively.

               (d) Death. If the Employee dies during the Term, then this
Agreement shall terminate immediately and the Employee's legal representatives
shall be entitled to receive (i) the Base Salary through the date of death (ii)
any pro-rated Incentive Bonus earned by the Employee through the date of death;
(iii) any Transaction Bonus due the Employee in accordance with the terms of
Section 4(b); and (iv) accrued and unpaid expense reimbursement pursuant to
Section 6 hereof. Such payment shall be made in a lump sum on or before the
fifth (5th) day following the date of death, or as otherwise directed by the
Employee's legal representative; provided, however, that the pro-rated Incentive
Bonus and the Transaction Bonus, if any, shall be paid in accordance with
Sections 4(a) and 4(b), respectively.

               (e) Effect of Termination. Termination for any reason or for no
reason shall not constitute a waiver of the Company's or the Employee's rights
under this Agreement nor a release of the Employee from any obligation hereunder
except his obligation to perform his day-to-day duties as an employee. The
Company's payment obligations to the Employee under Section 7 shall survive any
such termination.

<PAGE>

        8. Severance Payment.

               (a) The Employee may terminate his employment hereunder in the
event of a if change in control of the Company," which, for purposes of this
Agreement, shall be deemed to have occurred if (i) there shall be consummated
(x) any consolidation or merger of the Company in which the Company is not the
continuing or surviving corporation, or pursuant to which shares of the
Company's Common Stock would be converted into cash, securities or other
property, other than a merger of the Company in which the holders of the
Company's Common Stock immediately prior to the merger have the same
proportionate ownership of Common Stock of the surviving corporation immediately
after the merger, or (y) any sale, lease exchange or other transfer (in one
transaction or a series of related transactions) of all, or substantially all,
of the assets of the Company, or (ii) the stockholders of the Company approve
any plan or proposal for the liquidation or dissolution of the Company, or (iii)
any "person" (such as that term is used in Sections 13(d) and 14(d) of the
Securities Exchange Act of 1934 (the "Exchange Act")), other than the Company,
FNFI or any "person" who, on the date hereof, is a director or officer of the
Company, is or becomes the "beneficial owner" (as defined in Rule 13d-3 under
the Exchange Act), of securities of the Company representing 30% or more of the
combined voting power of the Company's then outstanding securities, unless such
"person" acquires such securities from FNFI. The Employee may only terminate
this Agreement due to a change in control of the Company during the period
commencing 60 days and expiring 365 days after such change in control.

               (b) If, after a change in control of the Company, the Company
terminates the Employee's employment in breach of this Agreement or pursuant to
Section 7(b), or the Employee resigns for Good Reason pursuant to Section 7(b),
then:

                      (i) the Company shall pay the Base Salary due him through
the date of termination;

                      (ii) in lieu of any further salary and bonus payments or
other payments due to the Employee for periods subsequent to the date of
termination, the Company shall pay, as severance to the Employee, an amount
equal to the product of (A) the Employee's Base Salary in effect as of the date
of termination plus the total Incentive Bonus paid or payable to the employee
for the most recently ended calendar year, multiplied by (B) the number 2, such
payment to be made in a lump sum on or before the fifth (5th) day following the
date of termination; and

                      (iii) the Company shall maintain in full force and effect,
for the continued benefit of the Employee for the number of years (including
partial years) remaining in the Term, all employee benefit plans and programs in
which the Employee was entitled to participate immediately prior to the date of
termination, provided that the Employee's continued participation is possible
under the general terms and provisions of such plans and programs. In the event
that the Employee's participation in any such plan or program is prohibited, the
Company shall, at it's expense, arrange to provide the Employee with benefits
substantially similar to those which the Employee would otherwise have been
entitled to receive under such plans and programs from which his continued
participation is prohibited.

               (c) The Employee shall not be required to mitigate the amount of
any payment provided for in this Section 8 or Section 7(b), above, by seeking
other employment or otherwise, nor

<PAGE>

shall any compensation or other payments received by the Employee after the date
of termination reduce any payments due under this Section 8 or Section 7(b),
above.

               (d) Notwithstanding anything to the contrary herein, if any
payment pursuant to this Section 8 would be a "parachute payment" (as defined in
Section 280G of the Internal Revenue Code of 1986, as amended), such payment
shall be limited to the largest portion of such payment as can be paid without
being deemed a "parachute payment."

        9. Non-Delegation of Employee's Rights. The obligations, rights and
benefits of the Employee hereunder are personal and may not be delegated,
assigned or transferred in any manner whatsoever, nor are such obligations,
rights or benefits subject to involuntary alienation, assignment or transfer.

        10. Confidential Information. The Employee acknowledges that 'n his
capacity as an employee of the Company he will occupy a position of trust and
confidence and he further acknowledges that he will have access to and learn
substantial information about the Company and its "affiliates" (as defined in
Section 21 below) and their respective operations that is confidential or not
generally known in the industry including, without limitation, information that
relates to purchasing, sales, customers, marketing, and the Company's and its
affiliates' financial position and financing arrangements (the "Confidential
Information"). The Employee agrees that all such Confidential Information is
proprietary or confidential, or constitutes trade secrets and is the sole
property of the Company and/or its affiliates. The Employee will keep
confidential, and will not reproduce, copy or disclose to any other person or
entity, any such Confidential Information, nor will the Employee advise, discuss
with or in any way assist any other person or entity in obtaining or learning
about any such Confidential Information; provided, however, that the Employee
(i) shall be able to use the Confidential Information in the course of
performing his duties hereunder; and (ii) may disclose any Confidential
Information pursuant to any law, subpoena or regulation. Accordingly, the
Employee agrees that during the Term and at all times thereafter he will not
disclose, or permit or encourage anyone else to disclose, any such information,
nor will he utilize any such information, either alone or with others, outside
the scope of his duties and responsibilities with the Company. The term
"Confidential Information" shall not include (i) any information available to
the general public; or (ii) any information known by the Employee prior to the
date he became a member of the Board which was obtained from a source who was
not bound by a confidentiality obligation to the Company.

        11. Non-Competition During Employment Term. The Employee agrees that,
during the Term and any extensions thereof, he will devote substantially all his
business time and effort, and give undivided loyalty, to the Company.
Notwithstanding anything to the contrary in the preceding sentence, the Employee
shall be entitled to (i) be on the Board of Directors of the companies that are
disclosed on Schedule I hereto; and (ii) spend time on charitable and community
organizations that do materially not interfere with the Employee's perfon-nance
of his obligations hereunder. During the Term, the Employee will not engage in
any way whatsoever, directly or indirectly (other than being on the Board of
Directors of the companies set forth on Schedule I hereto), in any business that
is competitive with the Company or its affiliates, nor solicit, or in any other
manner work for or assist any business which is competitive with the Company or
its affiliates. In addition, during the Tenn and any extensions thereof, the
Employee will undertake no planning for or organization of any business activity
competitive with the work he perfon-ns as an employee of the Company, and the
Employee will not combine or conspire with any other employee of the Company or
any other person for the purpose of organizing any such competitive business
activity.

<PAGE>

        12. Non-Solicitation After Employment Term. The parties acknowledge that
the Employee will acquire substantial knowledge and information concerning the
business of the Company and its affiliates as a result of his employment. The
parties further acknowledge that the scope of business in which the Company is
engaged as of the Effective Date is national and very competitive and one in
which few companies can successfully compete. The solicitation of the Company's
customers or employees by the Employee after this Agreement is terminated would
severely injure the Company. Accordingly, for a period of one (1) year after
this Agreement is terminated or the Employee leaves the employment of the
Company for any reason whatsoever, the Employee agrees not to solicit any person
or business that was at the time of such termination and remains a customer or
prospective customer, or an employee of the Company or any of its affiliates,
except for the Employee's administrative assistant.

        13. Return of Company Documents. Upon termination of this Agreement,
Employee shall return promptly to the Company all records and documents of or
pertaining to the Company and shall not make or retain any copy or extract of
any such record or document.

        14. Improvements and Inventions. Any and all improvements or inventions
which the Employee may conceive, make or participate in during the period of his
employment, which are based upon or relate to such employment, shall be the sole
and exclusive property of the Company. The Employee will, whenever requested by
the Company, at the sole cost and expense of the Company, execute and deliver
any and all documents which the Company shall deem appropriate in order to apply
for and obtain patents for such improvements or inventions or in order to assign
and convey to the Company the sole and exclusive right, title and interest in
and to such improvements, inventions, patents or applications.

        15. Actions. The parties agree and acknowledge that the rights conveyed
by this Agreement are of a unique and special nature and that the Company will
not have an adequate remedy at law in the event of a failure by the Employee to
abide by its terms and conditions nor will money damages adequately compensate
for such injury. It is therefore agreed between the parties that, in the event
of a breach by the Employee of any of his obligations contained in this
Agreement, the Company shall have the right, among other rights, to damages
sustained thereby and to obtain an injunction or decree of specific performance
from any court of competent jurisdiction to restrain or compel the Employee to
perform as agreed herein. The Employee agrees that this Section 14 shall survive
the termination of his employment and he shall be bound by its ten-ns at all
times subsequent to the termination of his employment for so long a period as
Company continues to conduct the same business or businesses as conducted during
the Ten-n or any extensions thereof Nothing herein contained shall in any way
limit or exclude any other right granted by law or equity to the Company.

        16. Indemnification. For the period commencing on the Effective Date and
continuing for five (5) years following the expiration or prior termination of
this Agreement, regardless of the reason therefor, the Employee shall be
indemnified under the Company's Articles of Incorporation and Bylaws, and the
Employee shall be covered by the directors' and officers' liability insurance,
the fiduciary liability insurance and the professional liability insurance
policies that are the same as, or provide coverage at least equivalent to, those
applicable or made available by the Company to the senior management of the
Company. Independent of the above provisions, if at any time the Employee is
made, or threatened to be made, a party to any legal action or proceeding,
whether civil or criminal, by reason of the fact that the Employee is or was a
director or officer of the Company, then the Employee shall be indemnified by
the Company, and the Company pay the Employee's related expenses (including,

<PAGE>

without limitation, reasonable attorneys' fees and costs) when and as incurred,
all to the fullest extent permitted by law.

        17. Amendment. This Agreement contains, and its terms constitute, the
entire agreement of the parties, and it may be amended only by a written
document signed by both parties to this Agreement.

        18. Governing Law. California law shall govern the construction and
enforcement of this Agreement and the parties agree that any litigation
pertaining to this Agreement shall be adjudicated in courts located in
California.

        19. Severability. If any section, subsection or provision hereof is
found for any reason whatsoever to be invalid or inoperative, that section,
subsection or provision shall be deemed severed and shall not affect the force
and validity of any other provision of this Agreement. If any covenant herein is
determined by a court to be overly broad thereby making the covenant
unenforceable, the parties agree and it is their desire that such court shall
substitute a reasonable judicially enforceable limitation in place of the
offensive part of the covenant and that as so modified the covenant shall be as
fully enforceable as if set forth herein by the parties themselves in the
modified form. The covenants of the Employee in this Agreement shall each be
construed as an agreement independent of any other provision in this Agreement,
and the existence of any claim or cause of action of the Employee against the
Company, whether predicated on this Agreement or otherwise, shall not constitute
a defense to the enforcement by the Company of the covenants in this Agreement.

        20. Notices. Any notice, request, or instruction to be given hereunder
shall be in writing and shall be deemed given when personally delivered or three
(3) days after being sent by United States certified mail, postage prepaid, with
return receipt requested, to the parties at their respective addresses set for
the below:

                    To the Company:       Micro General Corporation
                                          2510 North Red Hill Avenue
                                          Santa Ana, CA 92705

                    With a copy to:       Gregory S. Lane, Esq.
                                          3916 State Street, Suite 300
                                          Santa Barbara, CA 93105

                    To the Employee:      John Snedegar

                                          --------------------------------------

                                          --------------------------------------

                    With a copy to:       Martin Eric Weisberg, Esq.
                                          Parker Chapin Flattau & Klimpl, LLP
                                          1211 Avenue of the Americas
                                          New York, New York 10036

        20. Waiver of Breach. The waiver by any party of any provisions of this
Agreement shall not operate or be construed as a waiver of any prior or
subsequent breach by the other party.

<PAGE>

        21. Definition of "Affiliate". For purposes of this Agreement, the term
"affiliate" shall mean a person or entity that directly or indirectly, through
one or more intermediaries, controls, or is controlled by, or is under common
control with, the Company.

                         [SIGNATURES ON FOLLOWING PAGE]

        IN WITNESS VMEREOF the parties have executed this Agreement to be
effective as of the date first set forth above.

                                   MICRO GENERAL CORPORATION

                                   By:
                                      ------------------------------------------
                                   Its:
                                       -----------------------------------------

                                   JOHN SNEDEGAR

                                   ---------------------------------------------

<PAGE>

                     [MICRO GENERAL CORPORATION LETTERHEAD]

                                 March 24, 2000

Bill Foley
Fidelity National Title
3916 State Street
Santa Barbara, CA 93105

Dear Bill:

        I should have your concurrence in writing regarding my change in
compensation. As we discussed in my capacity as Chairman and/or CEO of
Escrow.com, I will be paid $150,000 as an annual salary and have the right to
earn a bonus of up to $100,000 per year. The bonus would be paid at the
discretion of the compensation committee.

        My current salary at Micro General ("MGEN") will remain the same for
2000 but the bonus will be set at up to $150,000 instead of the current 2000
plan which is based on profits. The MGEN bonus will be paid based on the
discretion of yourself and Pat Stone.

     Additionally, my employment arrangement with Escrow.com will have an
additional option grant based on the following: If we are able to get Escrow.com
public during the below described quarters, then the option as set out will be
granted;

<TABLE>
<S>      <C>                                                                     <C>
a)        3rd quarter 2000 or before                                              450,000
b)        4th quarter 2000                                                        400,000
c)        1st quarter 2001                                                        350,000
d)        Any public offering while I serve as either an
            officer or member of the board                                        300,000
</TABLE>

        The options would be set at the IPO price and vest once the stock has
traded at a 20% premium to the IPO price for a 30-day period.

     If this fits with your understanding and concurrence, then please sign
below. I will instruct the attorneys to then draw a more formal but simple
employment letter. The options will have to be crafted into the employment
agreement.

                                                  Respectfully,

                                                  /S/ JOHN R. SNEDEGAR
                                                  -----------------------------
                                                  John R. Snedegar

In agreement on 26 day of March, 2000.             /s/ WILLIAM FOLEY
                                                  -----------------------------
                                                  William Foley

<PAGE>

[FIDELITY LOGO]                                                      MEMORANDUM

TO     John Snedegar                   Date May 1, 2001

FROM    Patrick F. Stone

RE      COMPENSATION/BONUS

To finalize our discussions, please have your payroll staff make the following
compensation adjustments effective April 1, 2001. Additionally, this memo
details a bonus plan for the year 2001. Incentives for 2002 and a renewal of
your contract will be discussed at year end.

New arrangement is as follows:

        a.      Base salary of $450,000 annually, which is currently paid
                $300,000 by Micro General and $150,000 by Escrow.com. The base
                salary shall be payable by Micro General Corporation in the
                event Escrow.com ceases their contribution;

        b.      Bonuses based on pre-tax profits will be paid on the following
                terms:

                i.      5% of the first $6,000000 in pre-tax profits (300,000)

                ii.     10% of all profits in excess of $10,000,000 Paragraph
                        41B of the April 15, 1999 employment agreement refers
                        to "Key" employees whose bonuses are subtracted from
                        pre-tax profits to calculate my bonus and further those
                        employees are to be designated. The designated employees
                        used in calculating my bonus will be Nancy Nelson, Dale
                        Christensen and Jeff Sanderson.

        c.      Additional bonuses will be paid in the following amounts based
                on the criteria described accordingly:

                i.      $100,000 based on the execution of an Acquisition
                        strategy of acquiring up to $20,000,000 outside revenue
                        on annualized run rate;

                ii.     $100,000 based on securing funding for RealEC; and

                iii.    $50,000 based on selling LDX to a third party or
                        consolidating the operations into Micro General and
                        reaching a cash flow positive operating model.

                The above-described bonuses may be prorated based upon the
                discretion of the Co-Chairman.

                                            /s/ PATRICK F. STONE
                                            May 2, 2001

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