Document:

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                                   [FORM OF]
                  GENWORTH LIFE INSURANCE COMPANY OF NEW YORK
             GUARANTEED MINIMUM WITHDRAWAL BENEFIT FOR LIFE RIDER

General Features

This rider provides for a guaranteed minimum withdrawal benefit for the life of
the Annuitant(s). This rider is only available for Annuitant(s) [age 50 through
age 85] at the time the Contract is issued. The Withdrawal Base is not the
Contract Value. There is no impact to the Withdrawal Base if no excess
withdrawals are taken. Withdrawals taken under this rider reduce the Contract
Value by the amount of the Gross Withdrawal. The Rider Death Benefit on the
Contract Date is equal to the initial Purchase Payment. There is no annuity
value associated with this rider. There is a rider charge, which is a daily
asset charge that is applied against all amounts in the Subaccounts. Once
elected this rider may not be terminated except as stated below (see When this
Rider is Effective on page [8]).

To receive the full benefit of this rider you must allocate all Contract Value
to the prescribed Investment Strategy and limit total Gross Withdrawals in a
Benefit Year to an amount no greater than the Withdrawal Limit. If you do not
follow the Investment Strategy, there will be a reduction in the Withdrawal
Factor and Rider Death Benefit by the percentage shown on the Contract Data
Pages (see Investment Strategy on page [3]). Even if your benefit is reduced,
you will continue to pay the full amount charged for this rider.

The Withdrawal Base on the Contract Date is equal to the initial Purchase
Payment. The Withdrawal Base and the Withdrawal Factor are used to determine
the Withdrawal Limit. Any additional Purchase Payment will be applied to the
Withdrawal Base on the Valuation Day the additional Purchase Payment is
received. If you do not exceed the Withdrawal Limit, the Withdrawal Base will
never be reduced. You may reset your Withdrawal Base to the Contract Value
subject to the terms and requirements described below (see Restoration or Reset
of the Benefit on page [5]).

The Withdrawal Limit is the total amount that you may withdraw in a Benefit
Year without reducing the benefits provided under this rider. The Withdrawal
Limit is equal to the Withdrawal Factor multiplied by the greater of the
Contract Value on the prior Contract anniversary and the Withdrawal Base (see
Guaranteed Minimum Withdrawal Benefit on page [4]). The Withdrawal Factor is
based on the attained age of the Annuitant for a single Annuitant Contract or
the attained age for the younger living Annuitant for a Joint Annuitant
Contract on the earlier of the Valuation Day of the first Gross Withdrawal and
the Valuation Day when the Contract Value is reduced to zero. If a Gross
Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in excess of
the Withdrawal Limit, your Withdrawal Base and Rider Death Benefit are reduced
(see Excess Withdrawals on page [6]).

Subsequent Purchase Payment(s) applied to your Contract generally will adjust
your Withdrawal Base and Rider Death Benefit. We reserve the right not to
adjust the Withdrawal Base and/or the Rider Death Benefit for any additional
Purchase Payment(s) in order to control future risks under this rider. If we
decide not to adjust the Withdrawal Base and/or the Rider Death Benefit for any
additional Purchase Payments, we will notify you [45] days prior to enacting
this restriction.

                                      1

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If all of the Annuitants are ages [50 through 59], you may choose to reset your
Withdrawal Base on [an annual] anniversary of the Contract Date that is at
least [12 months] after the later of the Contract Date and the last reset date.
If the older of the Annuitants is age [60 through the maximum reset age], you
may choose to reset your Withdrawal Base on [an annual] anniversary of the
Contract Date that is at least [36 months] after the later of the Contract Date
and the last reset date (see Restoration or Reset of the Benefit on page [5]).
Reset allocations must follow the Investment Strategy in effect at that time.
The feature may trigger a new rider charge when used, subject to change but
limited to a maximum annual charge of [2.00%].

This rider also allows you a one-time opportunity to restore your Withdrawal
Factor and Rider Death Benefit if benefits have been reduced due to violation
of the Investment Strategy (see Restoration or Reset of the Benefit on page
[5]).

Prior to the Annuity Commencement Date, at the death of the last Annuitant, a
Death Benefit may be payable under this Contract and rider. The amount of any
Death Benefit payable will be the greatest of (a), (b) and (c), where:

    (a)   is the Death Benefit as calculated under the base Contract;

    (b)   is the Rider Death Benefit; and

    (c)   is any amount payable by any other optional death benefit rider.

The Death Benefit payable will be paid according to the distribution rules
under the Contract. The Death Benefit will be reduced by the sum of any
payments, less charges, made after the death of an Annuitant. We may recover
from you or your estate any payments made after the death of an Annuitant (see
Death Provisions on page [7]).

All rider terms will have the same meaning as under the Contract, unless
otherwise stated.

Terms and Procedures

Asset Allocation Model - The Asset Allocation Model shown on the Contract Data
Pages.

Benefit Date - The date that will be the later of:

    (1)   the Contract Date; and

    (2)   the Valuation Day of the most recent reset of the Withdrawal Base.

Benefit Year - Each one year period following the Benefit Date and each
anniversary of that date.

Death Benefit Reduction Percentage - The percentage shown on the Contract Data
Pages. On the first Valuation Day after you choose not to follow the Investment
Strategy, your Rider Death Benefit will be reduced by the Death Benefit
Reduction Percentage.

Designated Subaccounts - The Designated Subaccounts shown on the Contract Data
Pages.

Gross Withdrawal - An amount withdrawn from Contract Value including any
surrender charge, any taxes withheld and any premium taxes.

Investment Strategy - The Asset Allocation Model and/or Designated Subaccounts
for this rider.

Rider Death Benefit - The death benefit payable under this rider. The Rider
Death Benefit on the Contract Date is equal to the initial Purchase Payment.

                                      2

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Withdrawal Base - An amount used to establish the Withdrawal Limit. The
Withdrawal Base on the Contract Date is equal to the initial Purchase Payment.
The Withdrawal Base is used to determine benefits under the rider. The
Withdrawal Base is not the Contract Value.

Withdrawal Factor - The percentage used to establish the Withdrawal Limit. The
Withdrawal Factor is based on the attained age of the Annuitant for a single
Annuitant Contract or the attained age for the younger living Annuitant for a
Joint Annuitant Contract on the earlier of the Valuation Day of the first Gross
Withdrawal and the Valuation Day when the Contract Value is reduced to zero.
The percentage is shown on the Contract Data Pages.

Withdrawal Limit - The total amount that you may withdraw in a Benefit Year
without reducing the benefits provided under this rider. The Withdrawal Limit
is calculated on each Valuation Day. The Withdrawal Limit is (a) multiplied by
(b), where:

    (a)   is the greater of the Contract Value on the prior Contract
          anniversary and the Withdrawal Base; and

    (b)   is the Withdrawal Factor.

Withdrawal Factor Reduction Percentage - The percentage shown on the Contract
Data Pages. On the first Valuation Day after you choose not to follow the
Investment Strategy, your Withdrawal Factor will be reduced by the Withdrawal
Factor Reduction Percentage.

Investment Strategy

To obtain the full benefits provided under this rider, you must allocate all
Contract Value to an Investment Strategy, which will be provided to you.
Benefits may be reduced as described below if you do not invest in the
Investment Strategy. You must allocate your Contract Value among the following
Investment Strategy options shown on the Contract Data Pages for this rider:

  .   the Designated Subaccounts or,

  .   an Asset Allocation Model

You must allocate all Contract Value between the Investment Strategy options.
If you use the Designated Subaccounts option, you must specify the percentage
to invest in each Designated Subaccount. Under the Asset Allocation Model
option, any percentage of Contract Value invested must first be divided into
categories in accordance with the percentages shown on the Contract Data Pages.
Within each category you must then specify the percentage to invest in each
available Subaccount.

Reallocations

You may reallocate Contract Value within the Investment Strategy by submitting
a transfer request. We reserve the right to assess a charge for transfers in
accordance with the terms of the Contract to which this rider is attached. The
maximum transfer charge is shown on the Contract Data Pages.

On a monthly basis, we will rebalance Contract Value to the Subaccounts in
accordance with the percentages that you have chosen. In addition, on any
Valuation Day after any transaction involving a withdrawal, receipt of a
Purchase Payment or a transfer of Contract Value, we will rebalance Contract
Value to the Subaccounts in accordance with the percentages that you have
chosen, unless you instruct us otherwise.

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Allocations Outside of the Investment Strategy

Beginning on the first Valuation Day after you choose not to follow the
Investment Strategy, your Withdrawal Factor and Rider Death Benefit will be
reduced as follows:

The Withdrawal Factor will be (a) minus (b), where:

    (a)   is the Withdrawal Factor; and

    (b)   is the Withdrawal Factor multiplied by the Withdrawal Factor
          Reduction Percentage.

The Rider Death Benefit will be (a) minus (b), where:

    (a)   is the Rider Death Benefit; and

    (b)   is the Rider Death Benefit multiplied by the Death Benefit Reduction
          Percentage.

You may elect to resume participation in the Investment Strategy, as described
in the Restoration or Reset of the Benefit provision, provided we receive
notice of your election in a form acceptable to us.

We will not reduce your Withdrawal Factor or Rider Death Benefit if you are not
following the Investment Strategy due to a portfolio liquidation or a portfolio
dissolution and the assets are transferred from the liquidated or dissolved
portfolio to another portfolio.

If this rider is added to the Contract at issue, the Guarantee Account
available as an Investment Option under the Contract, if any, will not be
available as an Investment Option under this rider for as long as this rider is
in effect.

Notification

Transfer requests must be submitted in a form acceptable to us and must be
submitted in accordance with the terms of the Contract. If your transfer
request is received in good order, we will process your transfer request as of
the Valuation Day your transfer request is received. If your benefit is not
already currently reduced, your transfer request is in good order, and you have
not taken a withdrawal subsequent to this transfer request, but such transfer
causes your Contract Value to not be allocated in accordance with the
Investment Strategy, you will have [1] opportunity, within [5] business days
from the date the confirmation statement is sent to you, to make another
transfer request to the prescribed Investment Strategy without a reduction to
your benefit. Such a transfer request will be considered a transfer for
purposes of counting the number of transfers allowed in a calendar year. Your
Withdrawal Base will not be affected in such circumstance.

This benefit is not available to you if your benefit is: (1) currently reduced
due to not allocating assets according to the prescribed Investment Strategy;
(2) you have already exercised this benefit; or (3) you request a transfer
after [5] business days from the date the confirmation statement is sent to you.

Exercise of this benefit does not preclude you from exercising the restoration
or reset provision.

                                      4

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Guaranteed Minimum Withdrawal Benefit

If you:

  .   allocate all Contract Value to the Investment Strategy; and

  .   limit total Gross Withdrawals in a Benefit Year to an amount no greater
      than the Withdrawal Limit;

then you will be eligible to receive total Gross Withdrawals in each Benefit
Year equal to the Withdrawal Limit until the first death of an Annuitant.

The Withdrawal Limit is calculated on each Valuation Day. The Withdrawal Limit
is (a) multiplied by (b), where:

    (a)   is the greater of the Contract Value on the prior Contract
          anniversary and the Withdrawal Base; and

    (b)   is the Withdrawal Factor.

The Withdrawal Factor is established based on the attained age of the younger
Annuitant on the earlier of the Valuation Day of the first Gross Withdrawal and
the Valuation Day when the Contract Value is reduced to zero. The Withdrawal
Factor percentage is shown on the Contract Data Pages.

Purchase Payments

Any Purchase Payment applied to your Contract will adjust your Withdrawal Base
and Rider Death Benefit. In order to obtain the full benefit provided by this
rider, you must allocate all assets to the prescribed Investment Strategy from
the Benefit Date. If you have allocated all assets to the Investment Strategy
since the Benefit Date, any subsequent Purchase Payment will be added to the
Withdrawal Base and the Rider Death Beneft. Otherwise, the Purchase Payment
will be added to the Withdrawal Base, and the Rider Death Benefit will be
increased by (a) minus (b), where:

    (a)   is the Purchase Payment; and

    (b)   is the Purchase Payment multiplied by the Death Benefit Reduction
          Percentage.

We reserve the right to not adjust the Withdrawal Base and/or the Rider Death
Benefit for any additional Purchase Payments.

Restoration or Reset of the Benefit

Restoration: If your Withdrawal Factor and Rider Death Benefit have been
reduced because you have not allocated all assets to the prescribed Investment
Strategy, you will have a one-time opportunity to restore your Withdrawal
Factor and Rider Death Benefit.

Reset: If all of the Annuitants are ages [50 through 59], you may choose to
reset your Withdrawal Base on [an annual] anniversary of the Contract Date that
is at least [12 months] after the later of (a) and (b). If the older of the
Annuitants is age [60 through the maximum reset age], you may choose to reset
your Withdrawal Base on [an annual] anniversary of the Contract Date that is at
least [36 months] after the later of (a) and (b), where:

    (a)   is the Contract Date; and

    (b)   is the last reset date.

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If you do reset your Withdrawal Base, as of that date, we will:

  .   reset the Withdrawal Base to your Contract Value;

  .   reset the charge for this rider. The new charge, which may be higher than
      your previous charge, will never exceed [2.00%] annually; and

  .   reset the Investment Strategy to the current Investment Strategy.

There are similarities as well as distinct differences between restoring your
Withdrawal Factor and resetting your Withdrawal Base and Withdrawal Factor. The
similarities and differences are:

 Restore Provision                      Reset Provision
 -----------------                      -------------------------------------
 You may restore on a Contract          You may reset on a Contract
 anniversary once during the life of    anniversary periodically after your
 this rider.                            Benefit Date.

 You must allocate all assets to the    You must allocate all assets to the
 Investment Strategy in effect as of    Investment Strategy offered as of the
 the last Benefit Date prior to the     date of the reset.
 reduction in benefits.

 Your rider charge assessed will        Your rider charge may increase, not
 remain the same as the charge that     to exceed an annualized rate of
 was in effect as of your last Benefit  [2.00%], calculated on a daily basis.
 Date prior to the reduction in
 benefits.

 Your Withdrawal Base will be the       Your Withdrawal Base will be reset to
 lesser of the current Contract Value   equal your Contract Value as of the
 and your prior Withdrawal Base.        date of your reset.

 The Withdrawal Factor will be          The Withdrawal Factor will be reset
 restored to 100% of the original age   to 100% of the original age
 Withdrawal Factor.                     Withdrawal Factor.

 The Rider Death Benefit will be the    The Rider Death Benefit will be the
 lesser of Contract Value and total     lesser of Contract Value and total
 Purchase Payments less Gross           Purchase Payments less Gross
 Withdrawals.                           Withdrawals.

For either a restoration of your Withdrawal Factor, or a reset of your
Withdrawal Base, we must receive notice of your election in a form acceptable
to us at least [15] days prior to your next Contract anniversary. You may
restore your Withdrawal Factor and Rider Death Benefit once during the life of
this rider.

You may not use the restore or reset provision if any Annuitant is older than
age [85] on the Contract anniversary. We reserve the right to limit the
restoration date to a Contract anniversary on or after [three] complete year[s]
from the Benefit Date.

Excess Withdrawals

If a Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is in
excess of the Withdrawal Limit, your Withdrawal Base and Rider Death Benefit
are reduced. The new Withdrawal Base equals the lesser of (a) and (b), where:

    (a)   is the Contract Value on the Valuation Day after the Gross
          Withdrawal; and

    (b)   is the prior Withdrawal Base minus the Gross Withdrawal.

The new Rider Death Benefit equals the lesser of (a) and (b), where:

    (a)   is the Contract Value on the Valuation Day after the Gross
          Withdrawal; and

    (b)   is the prior Rider Death Benefit minus the Gross Withdrawal.

If the total Gross Withdrawals in a Benefit Year are less than or equal to the
Withdrawal Limit, we will waive any surrender charge on the Gross Withdrawals.

                                      6

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Required Minimum Distributions

If all Contract Value is allocated to the Investment Strategy, the Withdrawal
Limit will be increased for any Benefit Year to the extent necessary to meet
any minimum distribution requirements under federal tax law. This increase
applies only to the required minimum distribution based on the value of the
Contract.

Reduction in Contract Value

Your Contract Value after taking a withdrawal may be less than the amount
required to keep your Contract in effect. In this event or if your Contract
Value becomes zero, your Contract, this rider and any other riders and
endorsements will terminate and the following will occur:

  .   If the Withdrawal Limit is less than $100, we will pay you the greatest
      of the Rider Death Benefit, Contract Value and the present value of the
      Withdrawal Limit in a lump sum calculated using the Annuity 2000
      Mortality Table and an interest rate of 3%.

  .   If the Withdrawal Limit is greater than $100, we will issue you a
      supplemental contract. We will continue to pay you the Withdrawal Limit
      until the death of the last Annuitant. We will make payments no less
      frequent than annually, unless agreed otherwise. If the monthly amount is
      less than $100, we will reduce the frequency so that the payment will be
      at least $100. The Rider Death Benefit will continue under the
      supplemental contract. The Rider Death Benefit will be reduced by each
      payment made under the supplemental contract. The Rider Death Benefit, if
      any, will be payable on the last death of an Annuitant.

Rider Death Benefit

The Rider Death Benefit on the Contract Date is equal to the initial Purchase
Payment.

Purchase Payments in a Benefit Year increase the Rider Death Benefit. If you
have allocated all assets to the Investment Strategy since the Benefit Date,
any subsequent Purchase Payment will be added to the Rider Death Benefit.
Otherwise, the Rider Death Benefit will be increased by (a) minus (b), where:

    (a)   is the Purchase Payment; and

    (b)   is the Purchase Payment multiplied by the Death Benefit Reduction
          Percentage.

Gross Withdrawals in a Benefit Year decrease the Rider Death Benefit. If a
Gross Withdrawal plus all prior Gross Withdrawals in a Benefit Year is less
than or equal to the Withdrawal Limit, the Rider Death Benefit will be reduced
by the Gross Withdrawal. If a Gross Withdrawal plus all prior Gross Withdrawals
in a Benefit Year is in excess of the Withdrawal Limit, your Rider Death
Benefit will equal the lesser of (a) and (b), where:

    (a)   is the Contract Value on the Valuation Day after the Gross
          Withdrawal; and

    (b)   is the prior Rider Death Benefit minus the Gross Withdrawal.

If you choose not to follow the Investment Strategy, your Rider Death Benefit
will be reduced as described in the Investment Strategy provision.

                                      7

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Death Provisions

At the death of the last Annuitant, a Death Benefit may be payable under this
Contract and rider. The amount of any Death Benefit payable will be the
greatest of (a), (b) and (c), where:

    (a)   is the Death Benefit as calculated under the base Contract;

    (b)   is the Rider Death Benefit; and

    (c)   is any amount payable by any other optional death benefit rider.

The Death Benefit payable will be paid according to the distribution rules
under the Contract. We may recover from you or your estate any payments made
after the death of an Annuitant. All other Death Provisions under the Contract
and in any optional death benefit riders, including distribution rules, apply.

If the designated beneficiary is a surviving spouse who is not an Annuitant,
whose age is [50] through [85], and who elects to continue the Contract as the
new Owner, this rider will continue. The Withdrawal Base for the new Owner will
be the Death Benefit determined as of the first Valuation Day we have receipt
of due proof of death and all required forms at our Service Center. The
Withdrawal Factor for the new Owner will be based on the age of that Owner on
the date of the first Gross Withdrawal for that Owner.

If the designated beneficiary is a surviving spouse who is an Annuitant and who
elects to continue the Contract as the Owner, this rider will continue. The
Withdrawal Base will be the same as it was under the Contract for the deceased
Owner. If no withdrawals were taken prior to the first Valuation Day we receive
due proof of death and all required forms at our Service Center, the Withdrawal
Factor for the surviving spouse will be established based on the attained age
of the surviving spouse on the date of the first Gross Withdrawal for the
surviving spouse. Otherwise, the Withdrawal Factor will continue as it was
under the Contract for the deceased Owner.

If the surviving spouse cannot continue the rider, the rider and the rider
charge will terminate on the next Contract anniversary.

Rider Charge

There will be a daily asset charge for this rider. This charge is added to the
Contract's daily asset charge and applied against all amounts allocated to the
Subaccounts. The charge for this rider will depend upon whether the Contract is
a single Annuitant or Joint Annuitant Contract. This charge is shown on the
Contract Data Pages. Once applied, the Joint Annuitant charge will continue
while the rider is in effect. The charge for this rider will be reset if you
choose to reset your Withdrawal Base and Rider Death Benefit. The new charge,
which may be higher than your previous charge, will never exceed [2.00%]
annually.

When this Rider is Effective

The rider becomes effective on the Contract Date. It will remain in effect
while this Contract is in force and before the Annuity Commencement Date. This
rider may not be terminated prior to the Annuity Commencement Date. On the
Annuity Commencement Date, this rider will terminate.

                                      8

<PAGE>

Change of Ownership

You may assign the benefits provided under this rider. The Annuitant(s) will
not change if you assign the benefits. We must be notified in writing if you
assign the benefits of this rider.

If you marry after issue, you may add your spouse as a Joint Owner and Joint
Annuitant or as a Joint Annuitant only, subject to our approval.

General Provisions

For purposes of this rider:

  .   A non-natural entity Owner must name an Annuitant and may name the
      Annuitant's spouse as a Joint Annuitant.

  .   An individual Owner must also be an Annuitant.

  .   You may name only your spouse as a Joint Owner.

  .   If there is only one Owner, that Owner may name only his or her spouse as
      a Joint Annuitant at issue.

  .   If you marry after issue, you may add your spouse as a Joint Owner and
      Joint Annuitant or as a Joint Annuitant only, subject to our approval.

For Genworth Life Insurance Company of New York,

                            [GRAPHIC APPEARS HERE]

                                David J. Sloane
                                   President

                                      9Secured Promissory Note issued by Digital Lightwave, Inc.

 Exhibit 10.1 
 HE SECURITIES REPRESENTED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE, AND HAVE BEEN ACQUIRED FOR INVESTMENT AND NOT WITH A VIEW TO, OR IN CONNECTION WITH,
THE SALE OR DISTRIBUTION THEREOF. NO SUCH SALE OR DISTRIBUTION MAY BE EFFECTED WITHOUT AN EFFECTIVE REGISTRATION STATEMENT RELATED THERETO OR AN OPINION OF COUNSEL IN A FORM SATISFACTORY TO THE COMPANY THAT SUCH REGISTRATION IS NOT REQUIRED UNDER
THE SECURITIES ACT OF 1933, AS AMENDED, OR THE APPLICABLE SECURITIES LAWS OF ANY STATE. 
 SECURED PROMISSORY NOTE 

 

			
	 $200,000.00
	  	April 18, 2006
		  	Clearwater, Florida

 For value received, Digital Lightwave, Inc., a Delaware corporation (the
“Company”), promises to pay to Optel Capital, LLC, a Delaware limited liability company (the “Holder”), or its registered assigns, the principal sum of Two Hundred Thousand Dollars ($200,000.00). Interest shall
accrue from the date of this Note on the unpaid principal amount at a rate equal to 10.0% per annum, compounded annually. The interest rate shall be computed on the basis of the actual number of days elapsed and a year of 360 days. This Note is
subject to the following terms and conditions. 
 1. Maturity. 
 (a) Principal and any accrued but unpaid interest under this Note shall be due and payable upon demand by the Holder at any time after May 31, 2006.

 (b) Notwithstanding the foregoing, the entire unpaid principal sum of this Note, together with accrued and unpaid interest thereon, shall
become immediately due and payable upon demand by the Holder at any time on or following the occurrence of any of the following events: 
 (i) the sale of all or substantially all of the Company’s assets, or any merger or consolidation of the Company with or into another corporation; other than a merger or consolidation in which the holders of more than 50% of the shares
of capital stock of the Company outstanding immediately prior to such transaction continue to hold (either by the voting securities remaining outstanding or by their being converted into voting securities of the surviving entity) more than 50% of
the total voting power represented by the voting securities of the Company, or such surviving entity, outstanding immediately after such transaction; 
 (ii) the inability of the Company to pay its debts as they become due; 

 (iii) the dissolution, termination of existence, or appointment of a receiver, trustee or custodian, for
all or any material part of the property of, assignment for the benefit of creditors by, or the commencement of any proceeding by the Company under any reorganization, bankruptcy, arrangement, dissolution or liquidation law or statute of any
jurisdiction, now or in the future in effect; 
 (iv) the execution by the Company of a general assignment for the benefit of creditors;

 (v) the commencement of any proceeding against the Company under any reorganization, bankruptcy, arrangement, dissolution or liquidation
law or statute of any jurisdiction, now or in the future in effect, which is not cured by the dismissal thereof within ninety (90) days after the date commenced; or 
 (vi) the appointment of a receiver or trustee to take possession of the property or assets of the Company. 
 2. Payment; Prepayment. All payments shall be made in lawful money of the United States of America at such place as the Holder hereof may from time to time designate in writing to the Company. Payment shall be credited first
to the accrued interest then due and payable and the remainder applied to principal. Prepayment of this Note may be made at any time without penalty. 
 3. Transfer; Successors and Assigns. The terms and conditions of this Note shall inure to the benefit of and be binding upon the respective successors and assigns of the parties. This Note may be
transferred only upon surrender of the original Note for registration of transfer, duly endorsed, or accompanied by a duly executed written instrument of transfer in form satisfactory to the Company. Thereupon, a new note for the same principal
amount and accrued interest will be issued to, and registered in the name of, the transferee. Interest and principal are payable only to the registered holder of this Note. 
 4. Governing Law. This Note and all acts and transactions pursuant hereto and the rights and obligations of the parties hereto shall be
governed, construed and interpreted in accordance with the laws of the State of Florida, without giving effect to principles of conflicts of law. 
 5. Notices. Any notice required or permitted by this Agreement shall be in writing and shall be deemed sufficient upon receipt, when delivered personally or by courier, overnight delivery service or confirmed facsimile, or 48
hours after being deposited in the U.S. mail as certified or registered mail with postage prepaid, if such notice is addressed to the party to be notified at such party’s address or facsimile number as set forth below or as subsequently
modified by written notice. 
 6. Amendments and Waivers. Any term of this Note may be amended only with the written consent of
the Company and the Holder. Any amendment or waiver effected in accordance with this Section 6 shall be binding upon the Company, each Holder and each transferee of this Note. 
  

 -2- 

 7. Officers and Directors Not Liable. In no event shall any officer or director of the
Company be liable for any amounts due or payable pursuant to this Note. 
 8. Security Interest. This Note is secured by all of
the assets of the Company in accordance with the Twenty Second Amended and Restated Security Agreement by and between the Company and the Holder dated as of September 16, 2004 (the “Security Agreement”). In case of an Event of
Default (as defined in the Security Agreement), the Holder shall have the rights set forth in the Security Agreement. 
 9.
Counterparts. This Note may be executed in any number of counterparts, each of which will be deemed to be an original and all of which together will constitute a single agreement. 
 10. Action to Collect on Note. If action is instituted to collect on this Note, the Company promises to pay all costs and expenses,
including reasonable attorney’s fees, incurred in connection with such action. 
 11. Loss of Note. Upon receipt by the
Company of evidence satisfactory to it of the loss, theft, destruction or mutilation of this Note or any Note exchanged for it, and indemnity satisfactory to the Company (in case of loss, theft or destruction) or surrender and cancellation of such
Note (in the case of mutilation), the Company will make and deliver in lieu of such Note a new Note of like tenor. 
 [Remainder of this
page intentionally left blank.] 
  

 -3- 

 This Note was entered into as of the date set forth above. 
  

			
	COMPANY:
	
	DIGITAL LIGHTWAVE, INC.
		
	 By:
	 	 /s/ Kenneth T. Myers

		 	Kenneth T. Myers
		 	President and Chief Executive Officer

  

			
	AGREED TO AND ACCEPTED:
	
	OPTEL CAPITAL, LLC
		
	 By:
	 	 /s/ Paul Ragaini

	 Name:
	 	Paul Ragaini
		 	      (print)
	 Title:
	 	Chief Financial Officer

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