Document:

<PAGE>

Exhibit 10(i)

                              EMPLOYMENT AGREEMENT

                  AGREEMENT dated the 27th day of July 2001, by and between
INTEGRA, INC., a Delaware corporation (the "Company"), and STUART PILTCH (the
"Executive"):

                  WHEREAS, the Company wishes to employ the Executive, and the
Executive wishes to be employed by the Company, upon the terms and conditions
set forth below,

                  NOW, THEREFORE, in consideration of the promises and the
mutual agreements set forth below, the parties agree as follows:

1.       EMPLOYMENT; TERM.

                  1.1 Employment. The Company agrees to employ the Executive in
the position and with the responsibilities, duties, and authority set forth in
Section 2.

                  1.2 Term. The term of the Executive's employment under this
Agreement shall commence as of the date hereof and shall terminate on August 1,
2004 unless sooner terminated in accordance with this Agreement. This Agreement
shall be automatically renewed for successive one (1) year terms upon the
expiration of the initial term of this Agreement, or any renewal term of this
Agreement, unless either the Company or the Executive gives the other party at
least six (6) months written notice prior to the scheduled expiration of the
initial term of this Agreement or any renewal term of this Agreement (as
applicable) that such party does not intend to renew the Agreement.

2.       POSITION; DUTIES.

                  2.1 Position, Duties, and Title. The Executive shall serve the
Company in the position of President and Chief Executive Officer. The Executive
shall perform, faithfully and diligently, such duties and shall have such
responsibilities appropriate to said position as shall be assigned to him from
time to time by the Board of Directors of the Company. The Executive shall
perform such duties and responsibilities appropriate to such position and
additional duties as shall be assigned to the Executive by the Board of
Directors of the Company. The Executive shall report to the Board of Directors
of the Company. The Executive shall devote all his working time and efforts to
the business of the Company. The Executive represents that the Executive is not
bound by the provisions of any non-competition, confidentiality or similar
agreement not heretofore disclosed by the Executive in writing to the Company.

<PAGE>

3.       SALARY, INCENTIVE BONUS, STOCK OPTIONS, OTHER BENEFITS.

                  3.1 Salary. Subject to Section 6, the Company shall pay to the
Executive a base salary at the rate of $ 250,000.00 per year, payable in
accordance with the normal payroll practices of the Company. The Executive's
base salary shall be subject at a minimum to an annual review by the
Compensation Committee of the Board of Directors in its sole discretion on the
anniversary of the contract. Executive's base salary shall be prorated for 2001.

                  3.2 Bonus. In addition to the base salary provided for in
Section 3.1, the Executive shall be eligible to receive an annual bonus for
calendar year 2002 and thereafter as shall be determined and approved by the
Board of Directors (with the Executive abstaining from any vote) in its sole
discretion so long as he remains employed by the Company on the date designated
for the payment of any bonus. Any such bonus shall be based upon targets
established by the Board of Directors and the amount of any such bonus may be up
to 75% of the Executive's then base salary. Executive shall not be entitled to
any bonus for calendar year 2001, unless otherwise determined by the Board of
Directors.

4.       EXPENSE REIMBURSEMENT.

                  In accordance with the Company's policies and practices, the
Company shall reimburse the Executive for all reasonable, necessary and
documented out-of-pocket expenses incurred by him in connection with the
performance of his duties.

5.       PENSION AND WELFARE BENEFITS, AND VACATION.

                  5.1 Benefit Plans. During the term of this Agreement, the
Executive will be eligible for paid vacation and to participate in all employee
benefit plans and programs (including, without limitation, 401(k) Plan, medical,
dental, life, and disability plans of the Company) offered by the Company from
time to time to its executives, subject to the provisions of such plans and
programs as they may be amended from time to time.

6.       TERMINATION OF EMPLOYMENT.

                  6.1 Death. In the event of the death of the Executive, the
Company shall pay to the estate or other legal representative of the Executive
the base salary and any pro rated bonus provided for in Section 3.1 (at the
annual rate then in effect) accrued to the date of the Executive's death and not
previously paid to the Executive. Rights and benefits of the estate or other
legal representative of the Executive under the benefit plans and programs of
the Company shall be determined in accordance with the provisions of such plans
and programs. The Company shall have no further obligation or liability under
this Agreement or Executive's employment with the Company.

                                       2
<PAGE>

                  6.2 Disability. If the Executive shall for a period of sixty
(60) consecutive days be unable to materially perform his duties hereunder by
reason of sickness, accident or other physical or mental disability, with or
without reasonable accommodation, the employment of the Executive hereunder may
be terminated by the Company or the Executive. In the event of such termination,
the Company shall pay the Executive his salary (at the annual rate then in
effect) accrued to the effective date of such termination and not theretofore
paid to the Executive. The Executive's rights under the benefit plans and
programs of the Company shall be determined by reference to the provisions of
such plans and programs at the time in effect. In the event of such termination,
the Executive shall have no further rights under this Agreement, except as set
forth in Paragraphs 4, 5, and 6.2.

                  6.3 Due Cause. The employment of the Executive may be
terminated by the Board of Directors of the Company at any time for Due Cause
(as hereinafter defined). In the event of such termination, the Company shall
pay to the Executive the base salary provided for in Section 3.1 (at the annual
rate then in effect) accrued to the date of such termination and not previously
paid to the Executive. Rights and benefits of the Executive under the benefit
plans and programs of the Company shall be determined in accordance with the
provisions of such plans and programs. For purposes hereof, "Due Cause" shall be
defined as: (a) the Executive's failure to satisfactorily discharge his duties
and responsibilities under this Agreement; (b) any act of dishonesty referring
to, relating to, or affecting the Company; (c) conviction of a crime; (d)
violation of any obligation imposed on the Executive by Sections 7 or 8; (e) the
commission by the Executive of a willful, reckless or grossly negligent act that
has the potential for detriment to the Company or its clients or vendors; (f)
the commission, perpetration, or condoning by the Executive of any act
constituting self-dealing or a fraud upon the Company or its clients or vendors.

                  6.4 Termination by the Company without Cause. The Company may
terminate the Executive's employment prior to the expiration of its term at any
time for whatever reason it deems appropriate, or without reason, provided,
however, that in the event that such termination is not pursuant to Section 6.1
(Death), 6.2 (Disability), 6.3 (Due Cause), or 6.5 (Voluntary Termination), the
Company shall continue the Executive's base salary (subject to withholding) for
twelve (12) months from termination, in exchange for a general release and
waiver of claims (statutory or otherwise) in a form acceptable to the Company.
During the period of severance, the Executive will not be eligible for any
fringe or other benefits, except as may be required pursuant to COBRA. Said
salary continuation payments shall not be counted toward the calculation of any
benefits, including but not limited to retirement benefits. Nothing in this
paragraph is intended to interfere with any right to any accrued benefits to
which the Executive is entitled as of the date of his termination. In the event
of the death of the Executive during any period of post-termination salary
continuation, the Company shall pay to the estate or other legal representatives
of the Executive only the base salary as set forth in this paragraph accrued to
the date of the Executive's death and not previously paid to the Executive. The
expiration on this Agreement, and either party's notice that such party does not
intend to renew this Agreement, shall not be treated as a termination under this
paragraph 6.4.

                                       3
<PAGE>

                  6.5 Voluntary Termination. The Executive may terminate his
employment with the Company at any time upon thirty (30) days' prior written
notice to the Company. In the event that the Executive terminates his employment
voluntarily prior to the expiration of the term of this Agreement, Executive
will receive no further renumeration under the terms of this Agreement, except
that the Company shall pay to the Executive the base salary provided for in
Section 3.1 (at the annual rate then in effect) accrued to the date of such
termination and not previously paid to the Executive. Except as otherwise
provided in this Agreement, the rights and benefits of the Executive upon
termination to the benefit plans and programs of the Company shall be determined
in accordance with the provisions of such plans and programs. In the event of
such termination, the Executive shall have no further rights, and the Company
shall have no further obligations, under this Agreement except as set forth in
Paragraphs 4 and 5.

7.       CONFIDENTIAL INFORMATION; INVENTIONS AND PATENTS.

                  7.1 Confidential Information. The Executive recognizes and
acknowledges that during the course of his employment with the Company he will
have access to, learn, be provided with and, in some cases, will prepare and
create certain confidential and proprietary business information and trade
secrets relating to the business of the Company, including, but not limited to,
client and customer information and customer lists, marketing and sales
techniques, and the methods and processes utilized by the Company in rendering
its services, all of which have substantial value to Company in its business. In
consideration of the Company's promises set forth in the Agreement, Executive
understands and agrees that if, during the course of his employment with the
Company, or at any time thereafter, the Executive discloses to third parties,
uses for the Executive's own benefit or for the benefit of third parties, or
copies or makes notes of any of the aforementioned confidential and proprietary
information and trade secrets, except as may be required by the Executive's
duties with the Company, such conduct shall constitute a breach of the
confidence and trust bestowed upon the Executive by the Company, and the
Executive herein expressly agrees that injunctive relief, in addition to any
other remedies provided by law or in equity, shall be necessary and appropriate.
The Executive agrees not to use or cause to be used, for his own benefit or for
the benefit of any third party, or to disclose to any third party in any manner,
directly or indirectly, trade secrets or any information of a confidential or
proprietary nature to the Company at any time during or after his course of
employment with the Company without the express prior written consent of the
Company. The Executive agrees to return to the Company, either before or
immediately upon the termination of the Executive's employment with the Company,
any and all written information, materials, or equipment that constitutes,
contains, or relates in any way to proprietary or confidential information or
trade secrets of the Company that are or may be in the possession, custody, or
control of the Executive, including any and all copies thereof that may have
been made by or for the Executive. Executive's obligations under this Section 7
do not expire upon the expiration of termination of this Agreement or
Executive's employment with the Company. Notwithstanding the provisions herein
contained, in the event of the exercise by the Company of its rights under the
provisions of the Unit Repurchase Agreement, the

                                       4
<PAGE>

restrictions contained in this Section 7.1 will not apply to the ongoing
business of Global Benefits Solutions LLC after any repurchase by the Executive.

8.       COVENANT NOT TO SOLICIT OR COMPETE.

                  8.1 In further consideration of the Company's promises herein,
which the Executive acknowledges to be adequate and sufficient, Executive agrees
that, during the Executive's employment by the Company and for a period of 1
year after the expiration of the term of this Agreement as set forth in Section
1.2 above or the termination of the Executive's employment with the Company
(regardless of whether such employment is pursuant to this Agreement), whichever
is later, he will not directly or indirectly, in any manner or for any reason,
either as a principal disclosed or undisclosed, or on behalf of or in
conjunction with any other entity, whether as owner, shareholder, agent,
employee, partner, officer, director, or in any other capacity (a) engage in any
activity or business anywhere in the United States which is competitive with the
business of the Company Group (as that term is defined herein); (b) request or
induce any of the Company Group's customers to curtail or cancel their business
with the Company Group; (c) solicit business from any person, company or
organization that is a customer of the Company Group or was such a customer
within one year of the termination of Executive's employment; (d) solicit or
entice or endeavor to solicit or entice any employee of the Company Group to
terminate his or her employment with the Company Group or (e) employ directly or
indirectly any person who was an employee of the Company at the date of
termination of Executive's employment or within one month of prior to such date.
For purposes hereof, "Company Group" shall mean, collectively, the Company and
its successors, subsidiaries, affiliates and parent entities operating from time
to time in the same lines of business of the Company.

                  8.2 The Executive acknowledges (a) that he has given careful
consideration to the restraints imposed upon him by Section 8.1 and that he is
in full agreement as to the necessity of such provisions as reasonable and
proper protections of the Company's interests and (b) that the restraints
imposed upon him by Section 8.1 are reasonable with respect to subject matter,
time period, and geographical area.

                  8.3 Because the Executive's services are unique and because
the Executive has access to confidential information, the parties hereto agree
that money damages, in and of itself, would be an inadequate remedy for any
breach of the provisions of Sections 7 and 8 of this Agreement. Therefore, in
the event of a breach or threatened breach of said Sections, the Company or its
successors or assigns may, in addition to other rights and remedies existing in
their favor and notwithstanding the provisions of Section 12, apply to any court
of competent jurisdiction for injunctive or other relief in order to enforce, or
prevent any violations of, the provisions hereof (without posting a bond or
other security). In the event that the Company seeks an injunction or similar
equitable relief for the breach or threatened breach of the provisions of
Sections 7 or 8 of this Agreement, the Executive agrees that he shall not use
the availability of arbitration in

                                       5
<PAGE>

Section 12 below as grounds for the dismissal of any such injunctive action and
consents and agrees that the Company shall be entitled to seek said injunctive
or other relief without the necessity of showing any actual damage or that money
damages would not afford an adequate remedy and without the necessity of posting
any bond or other security. Further, the Executive agrees that the Company is
also entitled to receive its reasonable attorneys' fees and costs incurred in
any action brought to enforce Section 7 or 8 of this Agreement.

                  8.4 The Executive and the Company agree that if, in any
proceeding, a court or other authority shall refuse to enforce a covenants set
forth in Section 7 or Section 8 because the covenant covers too extensive a
geographic area or too long a period of time, any such covenant shall be deemed
appropriately amended and modified to the maximum extent permitted by law.

                  8.5 Notwithstanding the provisions contained in Sections 8.1,
8.3 and 8.4 hereof, in the event of the exercise by the Company of its rights
under the provisions of the Unit Repurchase Agreement, the restrictions
contained in Sections 8.1, 8.3 and 8.4 will not apply to the ongoing business of
Global Benefits Solutions LLC after any repurchase by the Executive.

9.       GOVERNING LAW.

                  This Agreement shall be deemed a contract made under, and for
all purposes shall be construed in accordance with, the law of the Commonwealth
of Pennsylvania.

10.      ENTIRE AGREEMENT.

                  This Agreement contains all the understandings and
representations between the parties pertaining to the subject matter hereof and
supersedes all undertakings and agreements, whether oral or in writing,
previously entered into by them. The Company shall have discretion to interpret
any ambiguous terms of the Agreement.

11.      AMENDMENT, MODIFICATION, WAIVER.

                  No provision of this Agreement may be amended or modified
unless such amendment or modification is: (a) agreed to in writing and signed by
the Executive and by a duly authorized representative of Company other than the
Executive; and (b) approved by the Board of Directors. Except as otherwise
specifically provided in this Agreement, no waiver by either party of any breach
by the other party of any condition or provision of this Agreement to be
performed by such other party shall be deemed a waiver of a similar or
dissimilar provision or condition at the same or any prior or subsequent time;
nor shall the failure of or delay by either party in exercising any right,
power, or privilege hereunder operate as a waiver thereof to preclude any other
or further exercise thereof or the exercise of any other right, power, or
privilege.

                                       6
<PAGE>

12.      ARBITRATION AND WAIVER OF JURY TRIAL.

                  12.1 Arbitration. The Company and the Executive will attempt
to resolve by negotiation all disagreements and disputes arising hereunder or in
connection with the employment and/or the termination of the Executive. If the
matter is not resolved through negotiation, within thirty (30) days after
written notice from either party, any controversy, dispute, or disagreement
arising out of or relating to this Agreement (except for Sections 7 and 8), the
breach thereof, or concerning any issue arising from the termination of the
Executive's employment, whether such issues are based on the common law,
contract law or any statute (including, but not limited to, all those related to
allegations of discrimination and retaliation), will be subject to exclusive,
final, and binding arbitration, which will be conducted in Philadelphia,
Pennsylvania in accordance with the Labor Arbitration Rules of Procedure of the
American Arbitration Association. Either party may bring a court action to
compel arbitration under this Agreement or to enforce an arbitration award.

                  12.2 Waiver of Right to Jury Trial. Each party to this
arbitration provision hereby expressly waives any right to a trial by jury in
any action or proceeding to enforce or defend any rights under this Agreement,
any amendment to this Agreement, or Executive's employment and, further, with
respect to any claim under any statute, regulation or other law (as such laws
may be amended from time to time).

13.      NOTICES.

                  Any notice to be given hereunder shall be in writing and
delivered personally or sent by certified mail, postage prepaid, return receipt
requested, addressed to the party concerned at the address indicated below or at
such other address or facsimile number as such party may subsequently designate
by like notice:

         If to the Company:

         Integra, Inc.
         Suite 410
         1060 First Avenue
         King of Prussia, PA 19406
         Attention:  Chairman of the Board

         With a copy to:

         Morgan, Lewis & Bockius LLP
         1701 Market Street
         Philadelphia, PA  19103
         Attention: Richard A. Silfen, Esq.

                                       7
<PAGE>

         If to the President and CEO:

         Stuart Piltch
         7 Spyglass Ridge
         Ithaca, NY  14850

         With a copy to:

         Thaler & Thaler
         309 North Tioga Street
         Ithaca, NY  14850
         Attention:  Richard Thaler, Esq.

14.      SEVERABILITY.

                  Should any provision of this Agreement be held by a court or
arbitration panel of competent jurisdiction to be unenforceable or enforceable
only if modified, such holding shall not affect the validity of the remainder of
this Agreement, the balance of which shall continue to be binding upon the
parties with any such modification to become a part hereof and treated as though
originally set forth in this Agreement. The parties further agree that any such
court or arbitration panel is expressly authorized to modify any such
unenforceable provision of this Agreement in lieu of severing such unenforceable
provision from this Agreement in its entirety, whether by rewriting the
offending provision, deleting any or all of the offending provision, adding
additional language to this Agreement, or by making such other modifications as
it deems warranted to carry out the intent and agreement of the parties as
embodied herein to the maximum extent permitted by law. The parties expressly
agree that this Agreement as so modified by the court or arbitration panel shall
be binding upon and enforceable against each of them. In any event, should one
or more of the provisions of this Agreement be held to be invalid, illegal or
unenforceable in any respect, such invalidity, illegality or unenforceability
shall not affect any other provisions hereof, and if such provision or
provisions are not modified as provided above, this Agreement shall be construed
as if such invalid, illegal or unenforceable provisions had never been set forth
herein.

15.      WITHHOLDING.

                  Anything to the contrary notwithstanding, all payments
required to be made by the Company hereunder to the Executive or his
beneficiaries, including his estate, shall be subject to withholding of such
amounts relating to taxes as the Company may reasonably determine it should
withhold pursuant to any applicable law or regulation. In lieu of withholding
such amounts, in whole or in part, the Company, may, in its sole discretion,
accept other provision for payment of taxes as permitted by law, provided it is
satisfied in its sole discretion that all requirements of law affecting its
responsibilities to withhold such taxes have been satisfied.

                                       8
<PAGE>

16.      ELECTION TO BOARD OF DIRECTORS.

                  The Board of Directors will elect Executive to the Board of
Directors. Executive will immediately resign from the Board of Directors if his
employment is terminated for any reason or if he ceases to be the President and
CEO of the Company.

                                       9
<PAGE>

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

                                       Integra, Inc.

                                       By:________________________
                                       Name: Shawkat Raslan
                                       Title: Chairman of the Board

                                       ___________________________
                                       Stuart Piltch

                                       10<PAGE>
Exhibit 10(j)

                                 PROMISSORY NOTE

================================================================================
Borrower:    Integra, Inc.                           Lender:  Charles Henri Weil
             1060 First Avenue, Suite 400
             King of Prussia, PA  19406
================================================================================

Principal Amount:  $1,000,000                        Date of Note:  July 2, 2001

PROMISE TO PAY. Integra, Inc. ("Borrower") promises to pay Charles Henri Weil
("Lender"), or order, in lawful money of the United States of America, the
principal amount of One Million & 00/100 Dollars ($1,000,000) or so much as may
be outstanding, together with interest on the unpaid outstanding principal
balance of each advance. Interest shall be calculated from the date of each
advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on July 1, 2002. In addition, Borrower will pay
regular monthly payments of all accrued unpaid interest due as of each payment
date, beginning July 31, 2001, with all subsequent interest payments to be due
on the same day of each month after that. Unless otherwise agreed or required by
applicable law, payments will be applied first to accrued unpaid interest, then
to principal, and any remaining amount to any unpaid collection costs and late
charges. Borrower will pay Lender at HSBC as follows:

                       HSBC BANK USA, NEW YORK

                       ABA # 02100108-8
                       Favor of HSBC REPUBLIC NY,
                       F/o ACCOUNT #  CHARLES HENRI WEIL   0605040850
                       SWIFT  ADDRESS  MRMDUS33
                       Attn:  Claude Mandel

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an independent Index which is the LIBOR plus
3-1/2% (the "Index"). HSBC will notify Borrower of the monthly interest due and
Borrower will pay to the account listed above. NOTICE: Under no circumstances
will the interest rate on this Note be more than the maximum rate allowed by
applicable law.

PREPAYMENT. Borrower may pay without penalty all or a portion of the amount owed
earlier than it is due. Early payments will not, unless agreed to by Lender in
writing, relieve Borrower of Borrower's obligation to continue to make payments
of accrued unpaid interest. Rather, early payments will reduce the principal
balance due. Borrower agrees not to send Lender payments marked "paid in full",
"without recourse", or similar language. If Borrower sends such a payment,
Lender may accept it without losing any of Lender's rights under this Note, and
Borrower will remain obligated to pay any further amount owed to Lender.

INTEREST AFTER DEFAULT. Upon default, including failure to pay upon final
maturity, Lender, at its option, may, if permitted under applicable law,
increase the variable interest rate on this Note to 6.500 percentage points over
the Index. The interest rate will not exceed the maximum rate permitted by
applicable law. If judgment is entered in connection with this Note, interest
will continue to accrue on this Note after judgment at the interest rate
applicable to this Note at the time judgment is entered.
<PAGE>
                                 PROMISSORY NOTE
                                   (CONTINUED)                            Page 2

================================================================================

DEFAULT. Each of the following shall constitute an event of default ("Event of
Default") under this Note:

     PAYMENT DEFAULT. Borrower fails to make any payment when due under this
     Note.

     OTHER DEFAULTS. Borrower fails to comply with or to perform any other term,
     obligation, covenant or condition contained in this Note or in any of the
     related documents or to comply with or to perform any term, obligation,
     covenant or condition contained in any other agreement between Lender and
     Borrower.

     DEFAULT IN FAVOR OF THIRD PARTIES. Borrower or any Grantor defaults under
     any loan, extension of credit, security agreement, purchase or sales
     agreement, or any other agreement, in favor of any other creditor or person
     that may materially affect any of Borrower's property or Borrower's ability
     to repay this Note or perform Borrower's obligations under this Note or any
     of the related documents.

     INSOLVENCY. The dissolution or termination of Borrower's existence as a
     going business, the insolvency of Borrower, the appointment of a receiver
     for any part of Borrower's property, any assignment for the benefit of
     creditors, any type of creditor workout, or the commencement of any
     proceeding under any bankruptcy or insolvency laws by or against Borrower.

     CREDITOR OR FORFEITURE PROCEEDINGS. Commencement of foreclosure or
     forfeiture proceedings, whether by judicial proceeding, self-help,
     repossession or any other method, by any creditor of Borrower or by any
     governmental agency against any collateral securing the loan. This includes
     a garnishment of any Borrower's accounts, including deposit accounts, with
     Lender. However, this Event of Default shall not apply if there is a good
     faith dispute by Borrower as to the validity or reasonableness of the claim
     which is the basis of the creditor or forfeiture proceeding and if Borrower
     gives Lender written notice of the creditor or forfeiture proceeding and
     deposits with Lender monies or a surety bond for the creditor or forfeiture
     proceeding, in an amount determined by Lender, in its sole discretion, as
     being an adequate reserve or bond for the dispute.

     CHANGE IN OWNERSHIP.  Any change in ownership of twenty-five percent (25%)
     or more of the common stock of Borrower.

     ADVERSE CHANGE. A material adverse change occurs in Borrower's financial
     condition, or Lender believes the prospect of payment or performance of
     this Note is impaired.

     CURE PROVISIONS. If any default, other than a default in payment is curable
     and if Borrower has not been given a notice of a breach of the same
     provision of this Note within the preceding twelve (12) months, it may be
     cured (and no event of default will have occurred) if Borrower, after
     receiving written notice from Lender demanding cure of such default: (1)
     cures the default within fifteen (15) days; or (2) if the cure requires
     more than fifteen (15) days, immediately initiates steps which Lender deems
     in Lender's sole discretion to be sufficient to cure the default and
     thereafter continues and completes all reasonable and necessary steps
     sufficient to produce compliance as soon as reasonably practical.

LENDER'S RIGHTS. Upon default, Lender may after giving such notices as required
by applicable law, declare the entire unpaid principal balance on this note and
all accrued unpaid interest immediately due, and then Borrower will pay that
amount.

ATTORNEYS' FEES; EXPENSES. Lender may hire or pay someone else to help collect
this Note if Borrower does not pay. Borrower will pay Lender that amount. This
includes, subject to any limits under applicable law, reasonable Lender's
attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit,
including attorneys' fees, expenses for bankruptcy proceedings (including
efforts to modify or
<PAGE>
                                 PROMISSORY NOTE
                                   (CONTINUED)                            Page 3

================================================================================

vacate any automatic stay or injunction), and appeals. If not prohibited by
applicable law, Borrower also will pay any court costs, in addition to all other
sums provided by law.

JURY WAIVER. LENDER AND BORROWER HEREBY WAIVE THE RIGHT TO ANY JURY TRIAL IN ANY
ACTION, PROCEEDING, OR COUNTERCLAIM BROUGHT BY EITHER LENDER OR BORROWER AGAINST
THE OTHER. (INITIAL HERE_____________).

GOVERNING LAW. THIS NOTE WILL BE GOVERNED BY, CONSTRUED AND ENFORCED IN
ACCORDANCE WITH FEDERAL LAW AND THE LAWS OF THE COMMONWEALTH OF PENNSYLVANIA.
THIS NOTE HAS BEEN ACCEPTED BY LENDER IN THE COMMONWEALTH OF PENNSYLVANIA.
SUCCESSOR INTERESTS. The terms of this Note shall be binding upon Borrower, and
upon Borrower's heirs, personal representatives, successors and assigns, and
shall inure to the benefit of Lender and its successors and assigns.

GENERAL PROVISIONS. Lender may delay or forego enforcing any of its rights or
remedies under this Note without losing them. Borrower and any other person who
signs, guarantees or endorses this Note, to the extent allowed by law, waive
presentment, demand for payment, and notice of dishonor. Upon any change in the
terms of this Note, and unless otherwise expressly stated in writing, no party
who signs this Note, whether as maker, guarantor, accommodation maker or
endorser, shall be released from liability. All such parties agree the Lender
may renew or extend (repeatedly and for any length of time) this loan or release
any party or guarantor or collateral; or impair, fail to realize upon or perfect
Lender's security interest in the collateral; and take any other action deemed
necessary by Lender without the consent of or notice to anyone. All such parties
also agree that Lender may modify this loan without the consent of or notice to
anyone other than the party with whom the modification is made. The obligations
under this Note are joint and several. If any portion of this Note is for any
reason determined to be unenforceable, it will not affect the enforceability of
any other provisions of this Note.

CONFESSION OF JUDGMENT. BORROWER HEREBY IRREVOCABLY AUTHORIZES AND EMPOWERS ANY
ATTORNEY OR THE PROTHONOTARY OR CLERK OF ANY COURT IN THE COMMONWEALTH OF
PENNSYLVANIA, OR ELSEWHERE, TO APPEAR AT ANY TIME FOR BORROWER AFTER A DEFAULT
UNDER THIS NOTE AND WITH OR WITHOUT COMPLAINT FILED, CONFESS OR ENTER JUDGMENT
AGAINST BORROWER FOR THE ENTIRE PRINCIPAL BALANCE OF THIS NOTE AND ALL ACCRUED
INTEREST, LATE CHARGES AND ANY AND ALL AMOUNTS EXPENDED OR ADVANCED BY LENDER
RELATING TO ANY COLLATERAL SECURING THIS NOTE, TOGETHER WITH COSTS OF SUIT, AND
AN ATTORNEY'S COMMISSION OF FIVE PERCENT (5%) OF THE UNPAID PRINCIPAL BALANCE
AND ACCRUED INTEREST FOR COLLECTION, BUT IN ANY EVENT NOT LESS THAN FIVE HUNDRED
DOLLARS ($500) ON WHICH JUDGMENT OR JUDGMENTS ONE OR MORE EXECUTIONS MAY ISSUE
IMMEDIATELY; AND FOR SO DOING, THIS NOTE OR A COPY OF THIS NOTE VERIFIED BY
AFFIDAVIT SHALL BE SUFFICIENT WARRANT. THE AUTHORITY GRANTED IN THIS NOTE TO
CONFESS JUDGMENT AGAINST BORROWER SHALL NOT BE EXHAUSTED BY ANY EXERCISE OF THAT
AUTHORITY, BUT SHALL CONTINUE FROM TIME TO TIME AND AT ALL TIMES UNTIL PAYMENT
IN FULL OF ALL AMOUNTS DUE UNDER THIS NOTE. BORROWER HEREBY WAIVES ANY RIGHT
BORROWER MAY HAVE TO NOTICE OR TO A HEARING IN CONNECTION WITH ANY SUCH
CONFESSION OF JUDGMENT AND STATES THAT EITHER A REPRESENTATIVE OF LENDER
SPECIFICALLY CALLED THIS CONFESSION OF JUDGMENT PROVISION TO BORROWER'S
ATTENTION OR BORROWER HAS BEEN REPRESENTED BY INDEPENDENT LEGAL COUNSEL.
<PAGE>
                                 PROMISSORY NOTE
                                   (CONTINUED)                            Page 4

================================================================================

PRIOR TO SIGNING THIS NOTE, BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS OF
THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. BORROWER AGREES TO
THE TERMS OF THE NOTE.

BORROWER ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF THIS PROMISSORY NOTE.

THIS NOTE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS NOTE IS AND SHALL
CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

BORROWER:

INTEGRA, INC.

BY:
   --------------------------------
         JACK N. BROWN
         CHIEF FINANCIAL OFFICER

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00038-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00038-of-00352.parquet"}]]