Document:

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                                 MCSI, INC.
                            AMENDED AND RESTATED
                2000 NON-EMPLOYEE DIRECTOR STOCK OPTION PLAN

        1. PURPOSE OF THE PLAN. Under this Non-Employee Director Stock Option
Plan (the "Director Plan") of MCSi, Inc. ("MCSi"), a Maryland corporation
(formerly Miami Computer Supply Corporation, an Ohio corporation) (the
"Company"), options may be granted to eligible persons, as set forth in Section
4, to purchase shares of the Company's common stock, no par value per share
("Common Stock"). This Director Plan is designed to promote the long-term growth
and financial success of the Company by enabling it to attract, retain and
motivate such persons serving on the Company's Board of Directors by providing
for or increasing their proprietary interest in the Company.

        2. EFFECTIVE DATE. This Director Plan shall be in effect commencing on
the date of approval of the Director Plan by the Board of Directors of the
Company ("Board"), subject to approval by the Company's stockholders. Options
may not be granted more than ten years after the date of stockholder approval of
this Director Plan or termination of this Director Plan by the Board, whichever
is earlier.

        3. PLAN OPERATION. This Director Plan is intended to meet the
requirements of Rule 16b-3 adopted under the Securities Exchange Act of 1934
(or its successor) and accordingly is intended to be self-governing. To this
end, this Director Plan requires no discretionary action by any administrative
body with regard to any transaction under this Director Plan. To the extent, if
any, that any questions of interpretation arise, such questions shall be
resolved by the Board.

        4. ELIGIBLE PERSONS. The persons eligible to receive a grant of
non-qualified stock options hereunder are any Director of the Board who on the
date of said grant is not an employee of the Company or a subsidiary of the
Company. For purposes of this Section 4, a person shall not be considered an
employee solely by reason of serving as Chairman of the Board.

        5. STOCK SUBJECT TO DIRECTOR PLAN. The maximum number of shares that may
be subject to options granted hereunder shall be 100,000 shares of Common Stock,
subject to adjustments under Section 6. Shares of Common Stock subject to the
unexercised portions of any options granted under this Director Plan which
expire, terminate or are canceled may again be subject to options under this
Director Plan.

        6. ADJUSTMENTS. If the outstanding shares of stock of the class then
subject to this Director Plan are increased or decreased, or are changed into or
exchanged for a different number or kind of shares or securities, as a result of
one or more reorganizations, recapitalizations, stock splits, reverse stock
splits, stock dividends, spin-offs and the like, appropriate adjustments shall
be made in the price, number and/or type of shares or securities for which
options may thereafter be granted under this Director Plan and for which options
then outstanding under this Director Plan may thereafter be exercised. Any such
adjustments in outstanding options shall be made without changing the aggregate
exercise price applicable to the unexercised portions of such options.

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        7. STOCK OPTIONS. Commencing on the date of the annual meeting of the
Company's shareholders at which this Director Plan is approved, each person who
is then a non-employee director of the Board immediately following such meeting
will be automatically granted a non-qualified option to purchase 15,000 shares
of the Company's Common Stock, which options will vest in 5,000 share increments
over a three year period (5,000 of which will vest immediately, 5,000 of which
will vest upon the date of the first annual meeting following the date at which
this Director Plan is approved and 5,000 of which will vest upon the date of the
second annual meeting following the date at which this Director Plan is
approved), subject however, to the immediate vesting of all such options should
the Company engage in a Business Combination, as defined in Article X of the
Company's Amended and Restated Articles of Incorporation. Commencing on the date
of the first annual meeting of the Company's shareholders to be held following
the date at which this Director Plan is approved, and on the date of each annual
meeting of the Company's shareholders thereafter, each person who is a
non-employee director of the Board immediately following each such annual
meeting, will be automatically granted a non-qualified stock option to purchase
5,000 shares of the Company's Common Stock. The per share exercise price of each
option will be the fair market value of a share of the Company's Common Stock on
the date of grant, defined as the closing price of the Company's Common Stock on
the Nasdaq National Market (or such other securities market on which the
Company's Common Stock is primarily traded) on such date. Each option will have
a term of ten years and, except for 10,000 of the options granted on the date of
the annual meeting of shareholders at which this Director plan is approved (as
described above), shall become immediately exercisable in full on the date of
grant. If on any date upon which options are to be granted under this Director
Plan the number of shares of Common Stock remaining available under the Director
Plan is less than the number of shares required for all grants to be made on
such date, then options to purchase a proportionate amount of such available
number of shares of Common Stock shall be granted to each eligible non-employee
director.

        8. DOCUMENTATION OF GRANTS. Awards made under this Director Plan shall
be evidenced by written agreements or such other appropriate documentation as
the Board shall prescribe. The Board need not require the execution of any
instrument or acknowledgment of notice of an award under this Director Plan, in
which case acceptance of such award by the respective optionee will constitute
agreement to the terms of the award.

        9. NONTRANSFERABILITY. Any option granted under this Director Plan shall
by its terms be nontransferable by the optionee otherwise than by will or the
laws of descent and distribution, and shall be exercisable, during the
optionee's lifetime, only by the optionee.

        10. AMENDMENT AND TERMINATION. The Board may alter, amend, suspend, or
terminate this Director Plan, provided that no such action shall deprive any
optionee, without his consent, of any option granted to the optionee pursuant to
this Director Plan or of any of his rights under such option and provided
further that the provisions of this Director Plan designating persons eligible
to participate in the Director Plan and specifying the amount, exercise price
and timing of grants under the Director Plan shall not be amended more than once
every six months other than to comport with

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changes in the Internal Revenue Code, the Employee Retirement Income Security
Act, or the rules thereunder.

        11. TERMINATION OF DIRECTORSHIP. All options granted hereunder and held
by non-employee directors as of the date of cessation of service as a director
may be exercised by the non-employee director or his heirs or legal
representatives until the earlier of the tenth anniversary of the date of grant
or the expiration of twelve months after the date of cessation of such service.

        12. MANNER OF EXERCISE. All or a portion of an exercisable option shall
be deemed exercised upon delivery to the Secretary of the Company at the
Company's principal office of all of the following: (i) a written notice of
exercise specifying the number of shares to be purchased signed by the
non-employee director or other person then entitled to exercise the option, (ii)
full payment of the exercise price for such shares by any of the following or
combination thereof: (a) cash, (b) certified or cashier's check payable to the
order of the Company, (c) the delivery of whole shares of the Company's Common
Stock owned by the option holder, or (d) by requesting that the Company withhold
whole shares of Company Common Stock then issuable upon exercise of the option
(for purposes of such a transaction the value of shares of the Company's Common
Stock shall be the closing price of the Company's Common Stock on the Nasdaq
National Market (or such other securities market on which the Company's Common
Stock is primarily traded) on such date), (iii) such representations and
documents as the Board, in its sole discretion, deems necessary or advisable to
effect compliance with all applicable provisions of the Securities Act of 1933,
as amended, and any other federal or state securities laws or regulations, (iv)
in the event that the option shall be exercised by any person or persons other
than the non-employee director, appropriate proof of the right of such person or
persons to exercise the option, and (v) such representations and documents as
the Board, in its sole discretion, deems necessary or advisable.

        13. COMPLIANCE WITH LAW. Common Stock shall not be issued upon exercise
of an option granted under this Director Plan unless and until counsel for the
Company shall be satisfied that any conditions necessary for such issuance to
comply with applicable federal, state or local tax, securities or other laws or
rules or applicable securities exchange requirements have been fulfilled.

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                 FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT

         THIS FIRST AMENDMENT TO LOAN AND SECURITY AGREEMENT (this "Agreement"),
entered into as of May 24, 2000 by and between FiNet.com, Inc., a Delaware
corporation ("Lender"), Lowestrate.com, Inc., a Pennsylvania corporation
("Borrower"), and Robert J. Ross ("Guarantor").

                                    RECITALS:

         WHEREAS, Lender and Borrower have previously entered into a Loan and
Security Agreement dated as of August 20, 1999 (the "Loan Agreement") pursuant
to which Lender has loaned to Borrower the sum of $500,000 which loan is
evidenced by a Promissory Note dated as of August 20, 1999 (the "Note"); and

         WHEREAS, Guarantor has guaranteed Borrower's obligations pursuant to
the Loan Agreement;

         WHEREAS, Lender, Borrower and Guarantor desire to amend the terms of
the Note to provide for a due date of August 20, 2001;

         NOW, THEREFORE, in consideration of the mutual promises made herein,
and for other good and valuable consideration, the receipt and sufficiency of
which are hereby acknowledged, the parties, intending to be legally bound, agree
as follows:

         1. All capitalized terms as used herein shall have the meanings
ascribed to them in the Loan Agreement.

         2. The Note shall be amended to read as set forth in Exhibit A hereto
(the "Amended Note").

         3. All other terms of the Loan Agreement shall remain in full force and
effect and Borrowers obligations pursuant to the Amended Note shall be secured
by the Collateral all as provided in the Loan Agreement.

         4. Borrower agrees that at any time, and from time to time, Borrower
will promptly execute and deliver all further instruments and documents, and
take all further action, that may be necessary or desirable, or that the Lender
may reasonably request, in order to perfect and protect any security interest
granted or purported to be granted hereby or to enable the Lender to exercise
and enforce its rights and remedies hereunder with respect to any Collateral.

         5. Lender hereby consents to the winding up, liquidation and
dissolution of Borrower.

         6. No amendment or waiver of any provision of this Agreement nor
consent to any departure by Borrower from this Agreement shall in any event be
effective unless

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the same shall be in writing and signed by the Lender, and then such waiver or
consent shall be effective only in the specific instance and for the specific
purpose for which given.

         IN WITNESS WHEREOF, Borrower has caused this Agreement to be duly
executed and delivered as of date first above written.

                             Lender:

                                 FiNet.com, Inc.

                                 By_______________________________________

                                 Its______________________________________

                                 By_______________________________________

                                 Its______________________________________

                             Borrower:

                                 Lowestrate.com, Inc.

                                 By_______________________________________

                                 Its______________________________________

                             Guarantor:

                                 _________________________________________
                                 Robert J. Ross

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                                    EXHIBIT A

                             AMENDED PROMISSORY NOTE

$500,000.00                                                      August 20, 1999
                                                        Walnut Creek, California

         FOR VALUE RECEIVED, the undersigned, Lowestrate.com, Inc., a
Pennsylvania corporation, hereby promises to pay on August 21, 2001 ("Due
Date") to the order of FiNet.com, Inc., Delaware corporation, at such place
as the holder of this note (the "Note") may direct in writing, the principal
sum of Five Hundred Thousand Dollars ($500,000.00). This Note shall not bear
interest. This Note may be prepaid at any time without premium or penalty.
The undersigned may pay this Note in full at any time on or prior to the Due
Date by the delivery to the holder hereof of that number of shares of common
stock of FiNet.com, Inc. determined as follows: The amount to be repaid
divided by the greater of (i) the average closing price of a share of common
stock of FiNet.com, Inc. on the ten trading days immediately prior to the
date of payment, or (ii) $2.50.

         This Note and all instruments securing same shall be deemed to be a
contract entered into and made pursuant to the laws of the State of
California and shall in all respects be governed, construed, and enforced in
accordance with the laws of said State.

         The undersigned agrees, if this Note is placed in the hands of an
attorney for collection, to pay reasonable legal costs as permitted by law.

         The undersigned waives demand, presentment for payment, notice of
non-payment or dishonor, notice of protest, and protest of this Note. No
delay on the part of the holder in exercising any right, power or privilege
pursuant to this Note shall operate as a waiver of the same, and no single or
partial exercise of any right, power or privilege shall constitute an
exhaustion or waiver of any of them, all of which shall continue for the
benefit of the holder.

         This Note amended that certain Promissory Note dated August 20, 1999
and is secured pursuant to a Loan and Security Agreement dated August 20,
1999.

         Dated: May 24, 2000

                                                  Lowestrate.com, Inc.

                                                  By____________________________

                                                  Its ________________

                                                  By____________________________

                                                  Its ________________

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                                    GUARANTY

         The undersigned guarantees the performance of Lowestrate.com, Inc.
pursuant to the above Amended Promissory Note; provided however, the
undersigned's liability hereunder may be satisfied in full, at the undersigned's
option, by the delivery to the holder hereof of that number of shares of
FiNet.com, Inc. Common Stock determined as follows: The amount of the unpaid
principal due under the Amended Promissory Note divided by the greater of (i)
the average closing price of a share of common stock of FiNet.com, Inc. on the
ten trading days immediately prior to the date of payment, or (ii) $2.50. The
undersigned acknowledges and agrees that the winding up, liquidation and
dissolution of Lowestrate.com, Inc. and FiNet's consent thereto, shall in no way
limit Lowestrate.com, Inc.'s liability under the Amended Promissory Note or the
undersigned's obligations pursuant to this guaranty.

         The undersigned's obligations pursuant to this guaranty shall terminate
upon payment in full of the principal amount of the Amended Promissory Note.

                                                     ___________________________
                                                     Robert J. Ross

                                      -4-

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