Document:

EXHIBIT 10. 3. 2

                           INVESTORS' RIGHT AGREEMENT
                                 August 22, 1999

TABLE OF CONTENTS

1. Registration Rights                                                        1
1.1 Definitions                                                               1
1.2 Request for Registration                                                  2
1.3 Company Registration                                                      4
1.4 Form S-3 Registration                                                     4
1.5 Obligations of the Company                                                5
1.6 Furnish Information                                                       7
1.7 Expenses of Registration                                                  7
1.8 Underwriting Requirements                                                 8
1.9 Delay of Registration                                                     9
1.10 Indemnification                                                          9
1.11 Reports Under Securities Exchange Act of 1934                           11
1.12 Assignment of Registration Rights                                       12
1.13 Limitations on Subsequent Registration Rights                           12
1.14 "Market Stand-Off" Agreement                                            12
1.15 Termination of Registration Rights                                      13
2. Covenants of the Company                                                  13
2.1 Delivery of Financial Statements                                         13
2.2 Inspection                                                               14
2.3 Right of First Offer                                                     14
2.4 Employee Confidential Information and Invention
Assignment Agreements                                                        15
2.5 Termination of Covenants                                                 15
3. Standstill Agreement                                                      15
3.1 No Increase of Ownership Interest                                        16
3.1 Notice of Voting Securities Purchases                                    16
3.3 Acts in Concert with Others                                              16
3.4 Termination of Standstill Agreement                                      16
3.5 Permitted Transaction                                                    17
4. Sales by John Southerland and Marlen Johnson                              17
4.1 Right of First Refusal                                                   17
4.2 Assignment of Right of First Refusal                                     18
4.3 Permitted Transactions                                                   19
4.4 Prohibited Transfers                                                     19
4.5 Legended Certificates                                                    19
4.6 Termination of Right of First Refusal                                    19
5. Miscellaneous                                                             20
5.1 Successors and Assigns                                                   20

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Investors' Rights Agreement

This Investors'  Rights Agreement (the "Agreement") is made as of the 1st day of
May, 2000 by and among VOYAGER GROUP INC, a Delaware corporation (the "Company")
and the Investors listed on Exhibit A hereto (the "Investors").

RECITALS

A. The Company  and  certain of the  Investors  have  entered  into a Series "J"
Convertible  Preferred  Stock  1999  (the  "Purchase  Agreement")  of even  date
herewith  pursuant to which the  Company  will sell to such  Investors  and such
Investors  will  purchase from the Company  shares of the  Company's  Series "J"
Convertible Preferred Stock 1999. In connection with entering into the (Purchase
Agreement),  the Company and the Investors  wish to enter into this Agreement in
order to provide the Investors with (i) certain rights to register shares of the
Company's  Common Stock issuable upon  conversion of the Series "J"  Convertible
Preferred  Stock held by the  Investors,  (ii)  certain  rights to  receive  and
inspect  information  pertaining  to the Company,  (iii) a Right of First Offer"
with  respect to certain  issuances by the Company of its  securities,  and (iv)
certain  other  covenants  by the  Company.  The  Company  desire to induce  the
Investors to purchase shares of Series J Convertible  preferred 1999 pursuant to
the  (Purchase  Agreement)  by  agreeing to the terms and  conditions  set forth
herein.

B. Pursuant to a Shareholders  meeting Section 228,242,245 of Delaware Corporate
law of the company,  the Company and the holders are executing this Agreement of
all the shares  Securities  then  outstanding,  here by agree to the entirety of
this Agreement.

AGREEMENT

The parties hereby agree as follows:

1.   Registration Rights.  The Company and the Investors covenant and agree
as follows:

1.1  Definitions.  For purposes of this Section 1:

(a)  The  terms  "register,"   "registered,"  and  "registration"   refer  to  a
registration  effected  by  preparing  and filing a  registration  statement  or
similar  document in compliance with the Securities Act of 1933, as amended (the
"Securities  Act"),  and the  declaration or ordering of  effectiveness  of such
registration statement or document;

(b) The term  "Registrable  Securities"  means (i) the  shares  of Common  Stock
issuable  or issued  upon  conversion  of the Series "J"  Convertible  Preferred
Stock,  1999, (iv) shares of Series "J" Convertible  Preferred Stock 1999 issued
or if and when issued upon conversion  pursuant to the Purchase  Agreement,  and
(ii) any other shares of Common  Stock of the Company  issued as (or if and when
issued upon the  conversion or exercise of any warrant,  right or other security
which is issued as) a

<PAGE>

dividend  or other  distribution  with  respect  to,  or in  exchange  for or in
replacement  of, the shares listed in (i),  (ii);  provided,  however,  that the
foregoing  definition  shall exclude in all cases any Register  able  Securities
sold by a  person  in a  transaction  in  which  his or her  rights  under  this
Agreement are not assigned. Notwithstanding the foregoing, Common Stock or other
securities  shall only be treated as Register able  Securities if and so long as
they have not been (A) sold to or through a broker or dealer or underwriter in a
public  distribution  or a  public  securities  transaction,  or (B)  sold  in a
transaction exempt from the registration and prospectus delivery requirements of
the Securities Act under Section 4(1) thereof so that all transfer restrictions,
and  restrictive  legends  with  respect  thereto,  if any, are removed upon the
consummation of such sale;

(c) The number of shares of "Register able Securities then outstanding" shall be
determined  by the number of shares of Common Stock  outstanding  which are, and
the number of shares of Common Stock  issuable  pursuant to then  exercisable or
convertible securities which are, Register able Securities;

(d) The term  "Holder"  means any  person  owning or having the right to acquire
Register able Securities or any assignee thereof in accordance with Section 1.12
of this Agreement;

(e) The term "Form S-3" means such form under the Securities Act as in effect on
the date hereof or any successor form under the Securities Act;

(f)  The term "SEC" means the Securities and Exchange Commission; and

(g) The term  "Qualified  IPO"  means an  underwritten  public  offering  by the
Company of shares of its Common Stock pursuant to a registration statement under
the Securities  Act, which results in gross proceeds in excess of $1,000,000 and
the public  offering  price of which is at least $1.00 per share  (appropriately
adjusted for any stock split, dividend,  combination or other  re-capitalization
).

1.2  Request for Registration.

(a) If the  Company  shall  receive at any time after the earlier of (i) January
01,  2003,  or  (ii)  six (6)  months  after  the  effective  date of the  first
registration statement for a public offering of securities of the Company (other
than a  registration  statement on Form S-4, S-8 or any  successor  thereto),  a
written request from the Holders of at least  thirty-three  percent (33%) of the
Register able Securities then  outstanding  that the Company file a registration
statement  under the Securities Act covering the  registration  of Register able
Securities,  then the Company  shall,  within  fifteen  (15) days of the receipt
thereof,  give written notice of such request to all Holders and shall,  subject
to the limitations of subsection  1.2(b), use its best efforts to effect as soon
as practicable,  and in any event within 90 days of the receipt of such request,
the registration  under the Securities Act of all Register able Securities which
the Holders request to be registered within ten (10) days of the mailing of such
notice by the Company in accordance with Section 5.3.

(b) If the Holders  initiating the registration  request hereunder  ("Initiating
Holders")  intend to distribute  the Register able  Securities  covered by their
request by means of an underwriting,  they shall so advise the Company as a part
of there request made pursuant to this Section 1.2 and the

<PAGE>

Company  shall include such  information  in the written  notice  referred to in
subsection 1.2(a). The underwriter will be selected by a majority in interest of
the  Initiating  Holders and shall be reasonably  acceptable to the Company.  In
such event,  the right of any Holder to include his Register able  Securities in
such registration shall be conditioned upon such Holder's  participation in such
underwriting and the inclusion of such Holder's  Register able Securities in the
underwriting  (unless otherwise mutually agreed by a majority in interest of the
Initiating  Holders and such Holder) to the extent provided herein.  All Holders
proposing  to  distribute  their  securities  through  such  underwriting  shall
(together  with the  Company as  provided in  subsection  1.5(e))  enter into an
underwriting  agreement in customary form with the  underwriter or  underwriters
selected  for such  underwriting.  Notwithstanding  any other  provision of this
Section 1.2, if the underwriter  advises the Initiating  Holders in writing that
marketing   factors  require  a  limitation  of  the  number  of  shares  to  be
underwritten,  then the  Initiating  Holders  shall so  advise  all  Holders  of
Register able Securities, which would otherwise be underwritten pursuant hereto,
and the number of shares of Register able Securities that may be included in the
underwriting  shall be  allocated  among  all  Holders  thereof,  including  the
Initiating  Holders,  in proportion (as nearly as  practicable) to the amount of
Register able Securities of the Company owned by each Holder; provided, however,
that the number of shares of  Register  able  Securities  to be included in such
underwriting shall not be reduced unless all other securities are first entirely
excluded from the underwriting.

(c)  Notwithstanding  the  foregoing,  if the Company  shall  furnish to Holders
requesting a registration  statement pursuant to this Section 1.2, a certificate
signed by the President of the Company  stating that in the good faith  judgment
of the Board of Directors of the Company,  it would be seriously  detrimental to
the Company and its stockholders for such registration statement to be filed and
it is therefore  essential to defer the filing of such  registration  statement,
the  Company  shall have the right to defer such filing for a period of not more
than 120 days after receipt of the request of the Initiating Holders;  provided,
however,  that the  Company  may not  utilize  this  right more than once in any
twelve-month period.

(d) In addition,  the Company  shall not be obligated to effect,  or to take any
action to effect, any registration pursuant to this Section 1.2:

(i) After the  Company  has  affected  two (2)  registrations  pursuant  to this
Section 1.2 and such registrations have been declared or ordered effective;

(ii)  During  the  period  starting  with the date  sixty (60) days prior to the
Company's good faith estimate of the date of filing of, and ending on a date one
hundred eighty (180) days after the effective date of, a registration subject to
Section 1.3 h registration statement to become effective;

(iii) If the anticipated  aggregate offering price to the public would not be in
excess of $5,000,000;  or (iv) If the Initiating  Holders  propose to dispose of
shares of Remit able Securities  that may be immediately  registered on Form S-3
pursuant to a request made pursuant to Section 1.4 below.

1.3 Company  Registration.  If (but without any obligation to do so) the Company
proposes to register (including for this purpose a registration  effected by the
Company  for  stockholders  other than the  Holders)  any of its stock under the
Securities Act in connection with the public offering of

<PAGE>

such securities solely for cash (other than a registration on Form S-4, Form S-8
or any  successors  thereto,  a  registration  in  which  the only  stock  being
registered is Common Stock issuable upon conversion of debt securities which are
also being  registered,  or any  registration on any form which does not include
substantially  the same  information  as would be  required  to be included in a
registration  statement covering the sale of the Register able Securities),  the
Company  shall,  at such time,  promptly give each Holder written notice of such
registration.  Upon the written request of each Holder given within fifteen (15)
days after mailing of such notice by the Company in accordance with Section 5.3,
the  Company  shall,  subject  to the  provisions  of Section  1.8,  cause to be
registered  under the  Securities Act all of the Register able  Securities  that
each such Holder has requested to be registered.

1.4 Form S-3  Registration.  In case the Company shall receive a written request
or requests (i) from any Holder or Holders of at least twenty  percent  (20%) of
the Register able  Securities  then  outstanding  holds Register able Securities
with an aggregate offering price of at least $1,000,000 (five Million), that, in
each  case,  the  Company  effect a  registration  on Form  S-3 and any  related
qualification  or compliance  with respect to all or a part of the Register able
Securities owned by such Holder or Holders, the Company will:

(a) promptly give written notice of the proposed  registration,  and any related
qualification or compliance, to all other Holders; and

(b) as soon as practicable, effect such registration and all such qualifications
and compliance as may be so requested and as would permit or facilitate the sale
and  distribution  of all or such portion of such Holder's or Holders'  Register
able  Securities  as are  specified in such  request,  together with all or such
portion of the Register able  Securities of any other Holder or Holders  joining
in such request as are specified in a written  request given within fifteen (15)
days after receipt of such written notice from the Company;  provided,  however,
that the  Company  shall  not be  obligated  to  effect  any such  registration,
qualification  or  compliance,  pursuant to this Section 1.4: (i) if Form S-3 is
not available for such offering by the Holders;  (ii) if the Holders  propose to
sell Register able  Securities at an aggregate  price to the public of less than
$500,000; (iii) if the Company shall furnish to the Holders a certificate signed
by the President of the Company  stating that in the good faith  judgment of the
Board of  Directors of the Company,  it would be  seriously  detrimental  to the
Company and its  stockholders  for such Form S-3  Registration to be effected at
such time,  in which event the Company  shall have the right to defer the filing
of the Form S-3  registration  statement  for a period of not more than 120 days
after  receipt of the request of the Holder or Holders  under this  Section 1.4;
provided,  however, that the Company shall not utilize this right more than once
in any twelve  month  period;  (iv) if the Company  has,  within the twelve (12)
month  period  preceding  the  date  of  such  request,   already  effected  two
registrations  on Form S-3 for the Holders  pursuant to this Section 1.4; (v) in
any particular jurisdiction in which the Company would be required to qualify to
do business or to execute a general  consent to service of process in  effecting
such registration, qualification or compliance; or (vi) during the period ending
one  hundred  eighty  (180)  days  after the  effective  date of a  registration
statement subject to Section 1.3.

(c) Subject to the foregoing,  the Company shall file a  registration  statement
covering the Register able  Securities  and other  securities so requested to be
registered as soon as practicable after receipt

<PAGE>

of the request or requests of the Holders.  Registrations  effected  pursuant to
this  Section  1.4  shall  not  be  counted  as  demands  for   registration  or
registrations effected pursuant to Sections 1.2 or 1.3, respectively.

1.5 Obligations of the Company. Whenever required under this Section 1 to effect
the  registration  of any  Register  able  Securities,  the  Company  shall,  as
expeditiously as reasonably possible:

(a) Prepare and file with the SEC a registration  statement with respect to such
Register  able  Securities  and  use  all  reasonable   efforts  to  cause  such
registration statement to become effective, and, upon the request of the Holders
of a majority of the Register able Securities registered  thereunder,  keep such
registration  statement  effective for up to one hundred  twenty (120) days. The
Company shall not be required to file, cause to become effective or maintain the
effectiveness of any registration statement (other than a registration statement
on Form S-3  pursuant  to  Section  1.4) that  contemplates  a  distribution  of
securities  on a delayed  or  continuous  basis  pursuant  to Rule 415 under the
Securities Act.

(b)  Prepare  and file  with the SEC such  amendments  and  supplements  to such
registration   statement  and  the  prospectus  used  in  connection  with  such
registration  statement as may be necessary to comply with the provisions of the
Securities Act with respect to the disposition of all securities covered by such
registration statement for up to one hundred twenty (120) days.

(c) Furnish to the Holders such numbers of copies of a  prospectus,  including a
preliminary  prospectus,  in conformity with the  requirements of the Securities
Act,  and such  other  documents  as they  may  reasonably  request  in order to
facilitate the disposition of Register able Securities owned by them.

(d) Use its best efforts to register and qualify the securities  covered by such
registration  statement  under  such other  securities  or Blue Sky laws of such
jurisdictions as shall be reasonably requested by the Holders, provided that the
Company shall not be required in connection  therewith or as a condition thereto
to qualify to do business or to file a general  consent to service of process in
any such states or jurisdictions.

(e) In the event of any underwritten public offering, enter into and perform its
obligations under an underwriting  agreement,  in usual and customary form, with
the managing  underwriter of such offering.  Each Holder  participating  in such
underwriting  shall also enter into and  perform its  obligations  under such an
agreement.

(f) Notify each Holder of Register able Securities  covered by such registration
statement  at any time when a  prospectus  relating  thereto is  required  to be
delivered  under the Securities Act of the happening of any event as a result of
which the prospectus included in such registration statement, as then in effect,
includes  an untrue  statement  of a material  fact or omits to state a material
fact required to be stated therein or necessary to make the  statements  therein
not misleading in the light of the circumstances then existing,  such obligation
to continue for one hundred twenty (120) days.

(g) Cause all such Register able Securities  registered pursuant hereunder to be
listed on each

<PAGE>

securities  exchange or market on which similar securities issued by the Company
are then listed.

(h) Provide a transfer  agent and  registrar  for all Register  able  Securities
registered  pursuant  hereunder  and a CUSIP number for all such  Register  able
Securities, in each case not later than the effective date of such registration.

(i) Use its best  efforts to furnish,  at the  request of any Holder  requesting
registration of Register able Securities pursuant to this Section 1, on the date
that such Register able Securities are delivered to the underwriters for sale in
connection  with a registration  pursuant to this Section 1, if such  securities
are being sold through  underwriters,  or, if such securities are not being sold
through underwriters,  on the date that the registration  statement with respect
to such securities  becomes effective,  (i) an opinion,  dated such date, of the
counsel representing the Company for the purposes of such registration,  in form
and substance as is customarily given to underwriters in an underwritten  public
offering,  addressed to the underwriters,  if any, and to the Holders requesting
registration of Register able Securities and (ii) a letter dated such date, from
the  independent  certified  public  accountants  of the  Company,  in form  and
substance as is customarily given by independent certified public accountants to
underwriters in an underwritten public offering,  addressed to the underwriters,
if any, and to the Holders requesting registration of Register able Securities.

1.6 Furnish Information. It shall be a condition precedent to the obligations of
the Company to take any action  pursuant to this  Section 1 with  respect to the
Register able Securities of any selling Holder that such Holder shall furnish to
the Company such information regarding itself, the Register able Securities held
by it, and the intended  method of  disposition  of such  securities as shall be
required to effect the  registration of such Holder's  Register able Securities.
The Company shall have no obligation with respect to any registration  requested
pursuant to Section 1.2 or Section 1.4 of this  Agreement if, as a result of the
application of the preceding  sentence,  the number of shares or the anticipated
aggregate  offering price of the Register able  Securities to be included in the
registration  does not equal or exceed the  number of shares or the  anticipated
aggregate offering price required to originally trigger the Company's obligation
to initiate such  registration  as specified in subsection  1.2(a) or subsection
1.4(b)(2), whichever is applicable.

1.7  Expenses of Registration.

(a) Demand  Registration.  All expenses (other than  underwriting  discounts and
commissions,  stock transfer taxes and fees of counsel to the selling Holders in
addition to that  provided  below)  incurred in connection  with  registrations,
filings  or  qualifications   pursuant  to  Section  1.2,   including   (without
limitation)  all  registration,  filing and  qualification  fees,  printers' and
accounting  fees,  fees and  disbursements  of counsel for the Company,  and the
reasonable  fees  and  disbursements  of one  counsel  for the  selling  Holders
selected by them with the approval of the Company,  which  approval shall not be
unreasonably withheld,  shall be borne by the Company;  provided,  however, that
the Company  shall not be required to pay for any  expenses of any  registration
proceeding  begun  pursuant  to  Section  1.2 if  the  registration  request  is
subsequently  withdrawn  at the  request of the  Holders  of a  majority  of the
Register  able  Securities  to be  registered  (in which case all  participating
Holders  shall  bear such  expenses),  unless the  Holders of a majority  of the
Register able Securities agree to forfeit their right to one demand registration
pursuant to Section 1.2; provided further, however, that

<PAGE>

if at the time of such  withdrawal,  the  Holders  have  learned  of a  material
adverse change in the condition, business, or prospects of the Company from that
known or reasonably  foreseeable to the Holders at the time of their request and
have withdrawn the request with reasonable  promptness  following  disclosure by
the Company of such  material  adverse  change,  then the  Holders  shall not be
required to pay any of such  expenses and shall retain their rights  pursuant to
Section 1.2.

(b) Company  Registration.  All expenses (other than underwriting  discounts and
commissions,  stock transfer taxes and fees of counsel to the selling Holders in
addition to that  provided  below)  incurred in connection  with  registrations,
filings or  qualifications  of Register able Securities  pursuant to Section 1.3
for each Holder,  including (without  limitation) all registration,  filing, and
qualification  fees,  printers' and accounting  fees, fees and  disbursements of
counsel  for the  Company,  and the  reasonable  fees and  disbursements  of one
counsel  for the  selling  Holders  selected  by them with the  approval  of the
Company,  which approval shall not be unreasonably  withheld,  shall be borne by
the Company.

(c)  Registration on Form S-3. All expenses (other than  underwriting  discounts
and commissions, stock transfer taxes and fees of counsel to the selling Holders
in addition to that provided  below)  incurred in connection with a registration
requested  pursuant  to  Section  1.4,   including   (without   limitation)  all
registration,  filing,  qualification,  printers'  and  accounting  fees and the
reasonable  fees and  disbursements  of one counsel  for the  selling  Holder or
Holders selected by them with the approval of the Company,  which approval shall
not be unreasonably  withheld, and counsel for the Company shall be borne by the
Company.

(d)  Underwriting  Discounts and  Commissions.  All  underwriting  discounts and
commissions  incurred in connection with  registrations  in connection with each
registration  statement  under  Section  1 shall be  borne by the  participating
sellers  (and the  Company,  if the  Company is a seller) in  proportion  to the
number of shares sold by each, or as they otherwise may agree.

1.8  Underwriting  Requirements.  In connection  with any offering  involving an
underwriting of shares of the Company's  capital stock, the Company shall not be
required  under  Section 1.3 to include any of the Holders'  securities  in such
underwriting  unless  they accept the terms of the  underwriting  as agreed upon
between  the Company and the  underwriters  selected by it (or by other  persons
entitled  to select the  underwriters),  and then only in such  quantity  as the
underwriters  determine in their sole discretion will not jeopardize the success
of the offering by the Company.  If the total  amount of  securities,  including
Register able  Securities,  requested by Holders to be included in such offering
exceeds  the  amount of  securities  sold  other  than by the  Company  that the
underwriters  determine in their sole  discretion is compatible with the success
of the  offering,  then the Company shall be required to include in the offering
only that number of such securities,  including Register able Securities,  which
the  underwriters  determine in their sole  discretion  will not  jeopardize the
success of the offering (the  securities so included to be apportioned  pro rata
among the  selling  stockholders  according  to the total  amount of  securities
entitled to be included  therein  owned by each selling  stockholder  or in such
other  proportions as shall mutually be agreed to by such selling  stockholders)
but in no event shall the amount of securities of the selling  Holders  included
in the  offering be reduced  below thirty  percent  (30%) of the total amount of
securities included in such offering, unless such offering is the initial public
offering of the Company's

<PAGE>

securities,  in which  case,  the  selling  stockholders  may be excluded if the
underwriters make the determination  described above and no other  stockholder's
securities are included. For purposes of the preceding parenthetical  concerning
apportionment,  for any selling  stockholder  which is a holder of Register able
Securities  and which is a partnership  or  corporation,  the partners,  retired
partners and  stockholders of such holder,  or the estates and family members of
any such partners and retired  partners and any trusts for the benefit of any of
the foregoing persons shall be deemed to be a single "selling  stockholder," and
any o-rata reduction with respect to such "selling  stockholder"  shall be based
upon the aggregate  amount of shares carrying  registration  rights owned by all
entities and individuals included in such "selling stockholder," as defined in s
sentence.

1.9 Delay of  Registration.  No Holder shall have any right to obtain or seek an
injunction restraining or otherwise delaying any such registration as the result
of any  controversy  that might  arise with  respect  to the  interpretation  or
implementation of this Section 1.

1.10 Indemnification.  In the event any Register able Securities are included in
a registration statement under this Section 1:

(a) To the extent permitted by law, the Company will indemnify and hold harmless
each Holder,  any underwriter (as defined in the Securities Act) for such Holder
each person, if any, who controls such Holder or underwriter  within the meaning
of the Securities  Act or the  Securities  Exchange Act of 1934, as amended (the
"Exchange  Act") and the  partners,  officers and  directors of any such Holder,
against any losses, claims,  damages, or liabilities (joint or several) to which
they may become  subject  under the  Securities  Act,  the Exchange Act or other
federal or state law, insofar as such losses,  claims,  damages,  or liabilities
(or  actions  in  respect  thereof)  arise out of or are  based  upon any of the
following statements,  omissions or violations (collectively a "Violation"): (i)
any untrue statement or alleged untrue statement of a material fact contained in
such  registration  statement,  including  any  preliminary  prospectus or final
prospectus contained therein or any amendments or supplements thereto,  (ii) the
omission or alleged  omission to state  therein a material  fact  required to be
stated therein,  or necessary to make the statements therein not misleading,  or
(iii) any violation or alleged  violation by the Company of the Securities  Act,
the Exchange Act, any state securities law or any rule or regulation promulgated
under the Securities Act, the Exchange Act or any state  securities law; and the
Company will pay to each such Holder,  underwriter  or  controlling  person,  as
incurred,  any legal or other expenses reasonably incurred by them in connection
with  investigating or defending any such loss,  claim,  damage,  liability,  or
action;  provided,  however,  that the  indemnity  agreement  contained  in this
subsection  1.10(a)  shall not apply to amounts paid in  settlement  of any such
loss, claim, damage, liability, or action if such settlement is effected without
the consent of the Company (which consent shall not be  unreasonably  withheld),
nor shall the Company be liable to any Holder, underwriter or controlling person
for any such loss,  claim,  damage,  liability,  or action to the extent that it
arises out of or is based upon a Violation  which occurs in reliance upon and in
conformity with written  information  furnished  expressly for use in connection
with such registration by any such Holder, underwriter or controlling person.

(b) To the extent  permitted by law, each selling Holder will indemnify and hold
harmless the Company, each of its directors, each of its officers who has signed
the registration statement, each person, if any, who controls the Company within
the meaning of the Securities Act, any underwriter,

<PAGE>

any other Holder  selling  securities  in such  registration  statement  and any
controlling person of any such underwriter or other Holder,  against any losses,
claims, damages, or liabilities (joint or several) to which any of the foregoing
persons may become subject,  under the Securities Act, the Exchange Act or other
federal or state law, insofar as such losses,  claims,  damages,  or liabilities
(or actions in respect thereto) arise out of or are based upon any Violation, in
each case to the extent (and only to the extent) that such  Violation  occurs in
reliance  upon and in  conformity  with  written  information  furnished by such
Holder  expressly for use in connection  with such  registration;  and each such
Holder will pay, as incurred, any legal or other expenses reasonably incurred by
any person intended to be indemnified  pursuant to this subsection  1.10(b),  in
connection  with  investigating  or  defending  any such  loss,  claim,  damage,
liability, or action; provided,  however, that the indemnity agreement contained
in this subsection  1.10(b) shall not apply to amounts paid in settlement of any
such loss,  claim,  damage,  liability or action if such  settlement is effected
without the  consent of the  Holder,  which  consent  shall not be  unreasonably
withheld;  provided,  that in no event shall any indemnity under this subsection
1.10(b)  exceed the net  proceeds  from the  offering  received by such  Holder,
except in the case of willful fraud by such Holder.

(c) Promptly  after receipt by an  indemnified  party under this Section 1.10 of
notice of the commencement of any action  (including any  governmental  action),
such indemnified party will, if a claim in respect thereof is to be made against
any  indemnifying  party under this Section  1.10,  deliver to the  indemnifying
party a written notice of the commencement  thereof and the  indemnifying  party
shall have the right to  participate  in,  and,  to the extent the  indemnifying
party so desires,  jointly with any other  indemnifying party similarly noticed,
to assume the defense thereof with counsel mutually satisfactory to the parties;
provided,   however,   that  an  indemnified  party  (together  with  all  other
indemnified  parties which may be represented  without  conflict by one counsel)
shall have the right to retain one separate  counsel,  with the reasonable  fees
and expenses to be paid by the  indemnifying  party, if  representation  of such
indemnified  party by the counsel  retained by the  indemnifying  party would be
inappropriate  due to actual  or  potential  differing  interests  between  such
indemnified  party and any  other  party  represented  by such  counsel  in such
proceeding.  The failure to deliver  written  notice to the  indemnifying  party
within a reasonable time of the commencement of any such action,  if prejudicial
to its ability to defend such action,  shall relieve such indemnifying  party of
any liability to the indemnified party under this Section 1.10, but the omission
so to deliver  written notice to the  indemnifying  party will not relieve it of
any liability  that it may have to any  indemnified  party  otherwise than under
this Section 1.10.

(d) If the indemnification  provided for in this Section 1.10 is held by a court
of competent jurisdiction to be unavailable to an indemnified party with respect
to any loss,  liability,  claim, damage or expense referred to therein, then the
indemnifying  party, in lieu of indemnifying  such indemnified  party hereunder,
shall  contribute to the amount paid or payable by such  indemnified  party as a
result of such loss, liability,  claim, damage, or expense in such proportion as
is appropriate to reflect the relative  fault of the  indemnifying  party on the
one  hand and of the  indemnified  party on the  other  in  connection  with the
statements or omissions that resulted in such loss, liability,  claim, damage or
expense as well as any other relevant equitable  considerations;  provided, that
in no event shall any  contribution  by a Holder under this  Subsection  1.10(d)
exceed the net proceeds from the offering received by such Holder, except in the
case of willful  fraud by such Holder.  The relative  fault of the  indemnifying
party and of the indemnified party shall be determined by reference to,

<PAGE>

among other things, whether the untrue or alleged untrue statement of a material
fact or the omission to state a material fact relates to information supplied by
the  indemnifying  party or by the indemnified  party and the parties'  relative
intent, knowledge, access to information,  and opportunity to correct or prevent
such statement or omission.

(e)  Notwithstanding  the  foregoing,  to the  extent  that  the  provisions  on
indemnification and contribution contained in the underwriting agreement entered
into in connection  with the  underwritten  public offering are in conflict with
the foregoing  provisions,  the provisions in the  underwriting  agreement shall
control.

(f) The  obligations  of the Company and Holders  under this  Section 1.10 shall
survive  the  completion  of any  offering  of  Register  able  Securities  in a
registration statement under this Section 1, and otherwise.

1.11  Reports  Under  Securities  Exchange  Act of 1934.  With a view to  making
available  to the  Holders  the  benefits  of Rule  144  promulgated  under  the
Securities  Act and any other rule or regulation of the SEC that may at any time
permit  a  Holder  to sell  securities  of the  Company  to the  public  without
registration or pursuant to a registration on Form S-3, the Company agrees to:

(a) make and keep public  information  available,  as those terms are understood
and  defined  in SEC Rule 144,  at all times  after  ninety  (90) days after the
effective date of the first registration  statement filed by the Company for the
offering of its securities to the general public so long as the Company  remains
subject to the periodic reporting requirements under Sections 13 or 15(d) of the
Exchange Act;

(b) take such action,  including the voluntary  registration of its Common Stock
under  Section 12 of the Exchange  Act, as is necessary to enable the Holders to
utilize Form S-3 for the sale of their Register able Securities,  such action to
be taken as soon as  practicable  after the end of the fiscal  year in which the
first  registration  statement  filed by the  Company  for the  offering  of its
securities to the general public is declared effective;

(c)  file  with the SEC in a timely  manner  all  reports  and  other  documents
required of the Company  under the  Securities  Act and the  Exchange  Act;  (d)
furnish to any Holder,  so long as the Holder owns any Register able Securities,
forthwith  upon  request  (i) a written  statement  by the  Company  that it has
complied  with the  reporting  requirements  of SEC Rule 144 (at any time  after
ninety (90) days after the effective  date of the first  registration  statement
filed by the  Company),  the  Securities  Act and the  Exchange Act (at any time
after  it has  become  subject  to  such  reporting  requirements),  or  that it
qualifies as a registrant  whose  securities may be resold  pursuant to Form S-3
(at any time after it so  qualifies),  (ii) a copy of the most recent  annual or
quarterly report of the Company and such other reports and documents so filed by
the Company,  and (iii) such other information as may be reasonably requested in
availing  any  Holder of any rule or  regulation  of the SEC which  permits  the
selling of any such  securities  without  registration or pursuant to such form.
1.12  Assignment  of  Registration  Rights.  The rights to cause the  Company to
register  Register  able  Securities  pursuant to this Section 1 may be assigned
(but only with all related  obligations) by a Holder to a transferee or assignee
of at least 1,000,000 shares of such securities  (appropriately adjusted for any
stock split,

<PAGE>

stock dividend, or other  recapitalization) or to a partner or affiliate (within
the meaning of Rule 12b-2 of the Exchange Act) of the Holder,  provided that (i)
the Company is,  promptly after such transfer,  furnished with written notice of
the name and address of such  transferee  or assignee  and the  securities  with
respect  to  which  such  registration  rights  are  being  assigned;  (ii)  the
transferee  or assignee  agrees to be bound by the terms and  conditions of this
Agreement;  and (iii) such  assignment  shall be effective  only if  immediately
following  such  transfer  the further  disposition  of such  securities  by the
transferee or assignee is restricted  under the Securities Act.  Notwithstanding
the limitations set forth in the foregoing sentence regarding the minimum number
of  shares  that must be  transferred,  any  Holder  that is a  corporation  may
transfer  such  Holder's  registration  rights to its wholly owned  subsidiaries
without restriction as to the number of shares transferred.

1.13  Limitations  on  Subsequent  Registration  Rights.  Except as  provided in
Section 1.1(b) and Section 5.9, from and after the date of this  Agreement,  the
Company  shall  not,  without  the prior  written  consent  of the  Holders of a
majority of the outstanding  Register able Securities,  enter into any agreement
with any holder or prospective  holder of any  securities of the Company,  which
would allow such holder or prospective  holder (a) to include such securities in
any registration filed under Section 1.2 hereof,  unless under the terms of such
agreement,  such holder or prospective holder may include such securities in any
such  registration  only to the extent that the inclusion of his securities will
not reduce the amount of the Register  able  Securities  of the Holders which is
included  or (b) to  make a  demand  registration  which  could  result  in such
registration  statement being declared  effective prior to the earlier of either
of the dates set forth in subsection  1.2(a) or within one hundred  twenty (120)
days of the effective date of any registration effected pursuant to Section 1.2.

1.14 "Market  Stand-Off"  Agreement.  Each Holder hereby agrees that, during the
period of duration (up to, but not exceeding, 180 days) specified by the Company
and an underwriter of Common Stock or other securities of the Company, following
the effective  date of a  registration  statement of the Company filed under the
Securities  Act, it shall not, to the extent  requested  by the Company and such
underwriter,  directly  or  indirectly  sell,  offer to sell,  contract  to sell
(including, without limitation, any short sale), grant any option to purchase or
otherwise transfer or dispose of (other than to donees who agree to be similarly
bound) any  securities  of the Company held by it at any time during such period
except Common Stock included in such registration  provided,  however, that: (a)
such agreement shall be applicable to the first such  registration  statement of
the Company,  which covers Common Stock (or other  securities) to be sold on its
behalf to the  public in an  underwritten  offering;  and (b) all  officers  and
directors  of the  Company,  and  all  holders  of one  percent  or  more of the
Company's outstanding Common Stock (including shares issuable upon conversion of
Preferred  Stock)  enter  into  similar  agreements.  In  order to  enforce  the
foregoing  covenant,  the Company  may impose  stop-transfer  instructions  with
respect  to the  Register  able  Securities  of each  Holder  (and the shares or
securities of every other person subject to the foregoing restriction) until the
end of such period,  and each Holder agrees that,  if so requested,  such Holder
will  execute an agreement in the form  provided by the  underwriter  containing
terms which are essentially consistent with the provisions of this Section 1.14.

Notwithstanding  the foregoing,  the obligations  described in this Section 1.14
shall not apply to a registration  relating solely to employee  benefit plans on
Form S-1 or Form S-8 or similar  forms,  which may be promulgated in the future,
or a registration relating solely to a transaction on Form S-4

<PAGE>

or similar forms, which may be promulgated in the future.

1.15 Termination of Registration Rights. No Holder shall be entitled to exercise
any right  provided for in this Section 1 after the earlier of (i) one (1) years
following the  consummation of a Qualified IPO, or (ii) such time as Rule 144 or
another similar  exemption under the Securities Act is available for the sale of
all of such Holder's shares during a three-month period without registration.

2.   Covenants of the Company.

2.1 Delivery of Financial  Statements.  The Company shall deliver to each Holder
of at least 1,000,000 shares of Register able Securities:

(a) as soon as  practicable,  but in any event  within one hundred  twenty (120)
days after the end of each fiscal year of the Company,  an income  statement for
such fiscal year, a balance sheet of the Company and statement of  stockholder's
equity as of the end of such year,  and a statement of cash flows for such year,
such  year-end  financial  reports  to  be in  reasonable  detail,  prepared  in
accordance with generally accepted accounting  principles ("GAAP"),  and audited
and certified by an independent public accounting firm of nationally  recognized
standing selected by the Company or otherwise  reasonably  acceptable to Holders
of a majority of the Register able Securities then outstanding;

(b) within forty-five (45) days of the end of each quarter,  an unaudited income
statement  and a statement of cash flows and balance sheet for and as of the end
of such quarter, in reasonable detail; and

(c) as soon as practicable, but in any event at least fifteen (15) days prior to
the end of each fiscal year, an operating  budget and business plan for the next
fiscal year.

2.2  Inspection.  The Company  shall  permit  each Holder of at least  1,000,000
shares of Register  able  Securities,  at such  Holder's  expense,  to visit and
inspect the  Company's  properties,  to examine its books of account and records
and to discuss the Company's  affairs,  finances and accounts with its officers,
all at such  reasonable  times as may be  requested by the  Investor;  provided,
however, that the Company shall not be obligated pursuant to this Section 2.2 to
provide  access  to any  information  which the  Board of  Directors  reasonably
determines  in  good  faith  to  be  a  trade  secret  or  similar  confidential
information.

2.3 Right of First Offer.  Subject to the terms and conditions specified in this
Section 2.3, the Company  hereby grants to each Major  Investor (as  hereinafter
defined) a right of first offer with  respect to future  sales by the Company of
its Shares (as hereinafter defined).  For purposes of this Section 2.3, a "Major
Investor"  shall  mean any  person  who holds at least  1,000,000  shares of the
Preferred  Stock (or the Common  Stock  issued  upon  conversion  thereof).  For
purposes of this Section 2.3, Major Investor  includes any general  partners and
affiliates  of a Major  Investor.  A Major  Investor who chooses to exercise the
right of first offer may designate as purchasers  under such right itself or its
partners or affiliates in such  proportions as it deems  appropriate.  Each time
the Company

<PAGE>

proposes to offer any shares of, or securities  convertible  into or exercisable
for any shares of, any class of its capital stock ("Shares"),  the Company shall
first make an offering of such Shares to each Major Investor in accordance  with
the following provisions:

(a) The Company  shall deliver a notice by certified  mail or overnight  courier
("Notice") to the Major  Investors  stating (i) its bona fide intention to offer
such Shares,  (ii) the number of such Shares to be offered,  and (iii) the price
and terms, if any, upon which it proposes to offer such Shares.

(b) Within 15 calendar days after  delivery of the Notice,  each Major  Investor
may elect to purchase or obtain,  at the price and on the terms specified in the
Notice,  up to that portion of such Shares which equals the proportion  that the
number of shares of Common Stock issued and held,  or issuable  upon  conversion
and exercise of all  convertible  or exercisable  securities  then held, by such
Major  Investor  bears to the  total  number of  shares  of  Common  Stock  then
outstanding  (assuming  full  conversion  and  exercise  of all  convertible  or
exercisable securities).

(c) The Company may,  during the 60-day period  following the  expiration of the
period provided in subsection 2.3(b) hereof,  offer the remaining  un-subscribed
portion of the  Shares to any  person or  persons at a price not less than,  and
upon terms no more favorable to the offeree than those  specified in the Notice.
If the  Company  does not enter  into an  agreement  for the sale of the  Shares
within such period,  or if such agreement is not  consummated  within 60 days of
the  execution  thereof,  the  right  provided  hereunder  shall be deemed to be
revived and such Shares shall not be offered unless first reoffered to the Major
Investors in accordance herewith.

(d) The right of first offer in this  paragraph 2.3 shall not be applicable  (i)
to the issuance or sale of capital  stock (or options  therefore)  to employees,
consultants,  officers or directors of the Company pursuant to stock purchase or
stock  option  plans or  agreements  approved by the Board of  Directors  of the
Company  (including  options  granted  prior  to the date  hereof),  (ii) to the
issuance of  securities in connection  with bona fide  acquisitions,  mergers or
similar  transactions,   (iii)  to  the  issuance  of  securities  to  financial
institutions  or lessors in  connection  with  commercial  credit  arrangements,
equipment financings or similar  transactions,  (iv) to the issuance and sale of
the Series D Preferred  Stock under the Purchase  Agreement and the Common Stock
issued upon conversion of the Series A, Series B, Series C or Series D Preferred
Stock,  (v) to the issuance of  securities  in a public  offering of  securities
pursuant to a registration statement filed under the Securities Act, (vi) to the
issuance  of  securities  pursuant  to the  conversion  or  exercise of options,
warrants,  notes, or other rights to acquire securities of the Company, or (vii)
to the issuance of securities pursuant to stock splits,  stock dividends or like
transactions.

2.4 Employee Confidential  Information and Invention Assignment Agreements.  The
Company will require that all future employees,  consultants and officers having
access to proprietary information execute Confidential Information and Invention
Assignment  Agreements  substantially  in the form currently used by the Company
and that such form may not be altered in a manner adverse to the Company without
the approval of the Company's President.

2.5  Termination of Covenants.

<PAGE>

(a) The covenants set forth in Sections 2.1 through  Section 2.3 shall terminate
as to  each  Investor  and  be of no  further  force  or  effect  (i)  upon  the
consummation  of a  Qualified  IPO,  or (ii)  when the  Company  shall (A) sell,
convey,  or  otherwise  dispose of all or  substantially  all of its property or
business  or merge or  consolidate  with any  other  corporation  (other  than a
wholly-owned  subsidiary  corporation) where the stockholders of the Company own
less than fifty percent (50%) of the voting power of the surviving  entity after
such merger or  consolidation  or (B) effect any other  transaction or series of
related  transactions in which more than fifty percent (50%) of the voting power
of the Company is disposed  of,  provided  that this  subsection  (ii) shall not
apply to a merger effected  exclusively for the purpose of changing the domicile
of the Company.

(b) The covenants  set forth in Sections 2.1 and 2.2 shall  terminate as to each
Holder and be of no  further  force or effect  when the  Company  first  becomes
subject to the periodic  reporting  requirements  of Sections 13 or 15(d) of the
Exchange Act, if this occurs earlier than the events described in Section 2.5(a)
above.

3.   Standstill Agreement.

3.1 No Increase of Ownership  Interest.  At any time  following the date of this
Agreement,  except with the prior written consent of a majority of the Company's
Board of  Directors  (excluding  the vote of any  director(s)  appointed  by the
respective  Investor  or  otherwise  affiliated  with such  Investor),  no Major
Investor,  together  with any  persons or  entities  affiliated  with such Major
Investor  (collectively,  the "Standstill  Investor"),  shall acquire beneficial
ownership  (as defined in Rule 13d-3 of the Exchange  Act) of any  securities of
the Company  entitled to vote with respect to the  election of any  directors of
the Company ("Voting Securities"),  any security convertible into,  exchangeable
for, or exercisable  for, or that may become any Voting  Securities or any other
right to acquire Voting Securities (such Voting Securities and rights to acquire
Voting Securities are collectively referred to herein as "Securities"), if after
such  acquisition,   the  Voting  Securities  then  beneficially  owned  by  the
Standstill  Investor  represent  more than the Standstill  Investor's  Threshold
Percentage  (defined below) of the Company's then outstanding  Voting Securities
(assuming  the  conversion,   exchange  and/or  exercise  of  all   convertible,
exchangeable and exercisable  securities,  including all securities reserved for
issuance under the Company's stock plans); provided however, that if at any time
the  Voting  Securities  beneficially  owned  by  a  Standstill  Investor  shall
represent  less  than  or  the  same  as  the  Standstill  Investor's  Threshold
Percentage,   and,  subsequently  and  solely  as  a  result  of  the  Company's
repurchases  of Voting  Securities  or a  recapitalization  of all the Company's
capital stock, the Voting Securities beneficially owned by a Standstill Investor
shall then represent more than the Standstill  Investor's Threshold  Percentage,
then such  Standstill  Investor shall not be deemed in violation of this Section
3.1 for so long as  such  Standstill  Investor  does  not  purchase  or  acquire
additional Voting  Securities.  For purposes of this Agreement,  the "Standstill
Investor's  Threshold  Percentage"  shall be equal to 40.0% for each  Standstill
Investor.  Notwithstanding  the foregoing,  for purposes of this Section 3.1 and
for purposes of Sections 3.2, 3.3, 3.4 and 3.5 only, John Southerland and marlin
Johnson  shall not be  considered a "Major  Investor"  and shall not be deemed a
"Standstill Investor".

3.2 Notice of Voting Securities Purchases. Each Standstill Investor shall notify
the  Company as to any future  acquisition  of  beneficial  ownership  of Voting
Securities, or rights thereto, within ten (10)

<PAGE>

business  days after such action in order for the Company to monitor  compliance
with the terms of this Agreement.

3.3 Acts in  Concert  with  Others.  The  Standstill  Investor  shall not join a
partnership, limited partnership,  syndicate or other group, or otherwise act in
concert with any third person,  for the purpose of acquiring any Securities that
would exceed such Standstill Investor's Threshold Percentage.

3.4 Termination of Standstill Agreement. The covenants set forth in this Section
3 shall  terminate as to each  Standstill  Investor on the earlier of (i) August
10, 2000 or (ii) when the Company shall (A) sell,  convey,  or otherwise dispose
of all or substantially  all of its property or business or merge or consolidate
with any other corporation  (other than a wholly-owned  subsidiary  corporation)
where the  stockholders  of the Company own less than fifty percent (50%) of the
voting power of the surviving  entity after such merger or  consolidation or (B)
effect any other  transaction  or series of related  transactions  in which more
than fifty  percent  (50%) of the voting  power of the Company is  disposed  of,
except in each case a merger  effected  exclusively  for the purpose of changing
the domicile of the Company.

3.5 Permitted Transaction.  Notwithstanding the provisions of this Section 3, on
and after the eleventh  business day after the  commencement of a proxy contest,
tender  offer or  exchange  offer  which  could  result in a "Change  of Control
Transaction"  (as defined below) for  outstanding  Securities or on or after the
public  announcement that the Company has entered into an agreement with a third
party not  affiliated  with the Company that would result in a Change of Control
Transaction,  the  Standstill  Investor shall be permitted to make a proposal to
the Company's  Board of Directors or  shareholders  or to tender or exchange any
Securities  beneficially  owned  by it  pursuant  to such  transaction.  As used
herein,  "Change of Control  Transaction"  shall mean (A) any tender or exchange
offer, merger, consolidation, re-capitalization or other business combination or
transaction  pursuant to which either (i) the holders of the outstanding  voting
power  immediately  prior to the  transaction  would  hold  less than 50% of the
outstanding  voting  power  outstanding  immediately  after the  transaction  or
(ii)50% of the assets of the Company would be  transferred to or controlled by a
third  party  not  affiliated  with the  Company,  except  in each case a merger
effected exclusively for the purpose of changing the domicile of the Company, or
(B) any action by the shareholders of the Company that results in the directors,
who as of the date of Closing  constitute the Company's  Board of Directors (the
"Incumbent  Board"),  ceasing to constitute at least a majority of the Company's
Board of Directors;  provided,  however, that any individual becoming a director
subsequent  to  the  date  of  Closing  whose  nomination  for  election  by the
shareholders  of the Company was  approved  by the vote of the  Incumbent  Board
shall be  considered  as though such  individual  were a member of the Incumbent
Board.

4.   Sales Mr. John Southerland or Mr. Marlen Johnson

4.1 Right of First  Refusal.  Before any shares of the  Company's  capital stock
("Stock") held by John  Southerland or Marlen Johnson  (including its affiliated
funds) each a "ROFR Investor") may be sold or otherwise transferred, the Company
or its permitted  assignee under Section 4.2 shall have a right of first refusal
to purchase such Stock on the terms and  conditions  set forth in this Section 4
(the

<PAGE>

"Right of First Refusal").

(a) Exercise of Right of First Refusal. At any time within fifteen (15) business
days after  receipt of the Seller  Notice,  the Company or its assignee  may, by
giving written notice to the Seller, elect to purchase all of the Stock proposed
to be  transferred  to any  one or  more  of the  Proposed  Transferees,  at the
purchase price determined in accordance with subsection (c)below.

(b) Purchase.  The purchase price ("Purchase  Price") for the Stock purchased by
the Company or its assignee under this Section 4 shall be the Offered Price.  If
the Offered Price includes  consideration  other than cash, the cash  equivalent
value  of the  non-cash  consideration  shall  be  determined  by the  Board  of
Directors of the Company in good faith.  Payment of the Purchase  Price shall be
made, at the option of the Company or its  assignee(s),  in cash (by check),  by
cancellation of all or a portion of any  outstanding  indebtedness of the Seller
to the Company (or, in the case of purchase by an assignee, to the assignee), or
by any  combination  thereof  within 30 days after the  Company or its  assignee
provides the written notice to the Seller as provided in subsection (b)above.

(d) Seller's Right to Transfer. If the Stock proposed in the Seller Notice to be
transferred  is not purchased by the Company or its assignee as provided in this
Section  4, then the Seller may sell or  otherwise  transfer  such Stock to that
Proposed  Transferee at the Offered  Price or at a higher  price,  provided that
such sale or other transfer is consummated  within 90 days after the date of the
Seller  Notice and  provided  further  that any such sale or other  transfer  is
effected  in  accordance  with any  applicable  securities  laws.  If any  Stock
described in the Seller  Notice is not  transferred  to the Proposed  Transferee
within such period, or if the Seller proposes to change the price or other terms
to make them more  favorable to the  Proposed  Transferee,  a new Seller  Notice
shall be given to the Company and the other Investor, and the Company and/or its
assignee shall again be offered the Right of First Refusal before any Stock held
by the Seller may be sold or otherwise transferred.

(e) Reissuance of Repurchased  Shares.  Any Stock purchased by the Company under
this  Section 4 from  Investor  may be  retired  by the  Company  or held by the
Company as  treasury  stock,  but such Stock may not be  reissued by the Company
without the prior written consent of the non-selling  Investor (the "Non-Selling
Investor").

4.2  Assignment  of Right of First  Refusal.  In the case of  proposed  sales or
transfers of Stock by a Investor,  the Company agrees that in the event that the
Company  declines  to exercise  the Right of First  Refusal,  the  Company  will
provide the Non-Selling Investor with notice of such determination at least five
(5)  business  days  prior to the end of the  period in which the Right of First
Refusal expires under Section 4.1(b).  The Non-Selling  Investor shall then have
the right,  exercisable  by notice prior to the end of such period,  to exercise
such Right of First Refusal as the Company's assignee.  Any Stock purchased by a
Investor  under this  Section 4.2 shall not be deemed  Voting  Securities  under
Section 3.1 for purposes of  calculating  the  Standstill  Investor's  Threshold
Percentage.  The  Right of First  Refusal  is not  otherwise  assignable  by the
Company.

4.3 Permitted  Transactions.  The provisions of this Section 4 shall not pertain
or apply to:

(i) Stock sold pursuant to a registration  statement  filed under the Securities
Act;

<PAGE>

(ii)  Distributions  of Stock  by John  Southerland  or  Marlen  Johnson  to its
business partners and subsequent resales of such Stock;

4.5 Legended Certificates.  Each certificate representing shares of Stock of the
Company  now or  hereafter  owned by the  Investors  or issued to any  Permitted
Transferee  pursuant to Section  4.3(iii)  shall be endorsed  with the following
legend:

"THE SALE,  PLEDGE,  HYPOTHECATION OR TRANSFER OF THE SECURITIES  REPRESENTED BY
THIS  CERTIFICATE  IS SUBJECT TO THE TERMS AND  CONDITIONS OF A CERTAIN RIGHT OF
FIRST  REFUSAL BY AND  BETWEEN  THE  STOCKHOLDER,  THE  CORPORATION  AND CERTAIN
HOLDERS OF PREFERRED STOCK OF THE  CORPORATION.  COPIES OF SUCH AGREEMENT MAY BE
OBTAINED UPON WRITTEN REQUEST TO THE SECRETARY OF THE CORPORATION."

The  foregoing  legend shall be removed upon  termination  of the Right of First
Refusal in accordance with the provisions of Section 4.6.

4.6 Termination of Right of First Refusal. The Right of First Refusal under this
Section 4 shall  terminate at such time as the  covenants set forth in Section 3
shall have terminated pursuant to Section 3.4 above.

5.   Miscellaneous.

5.1 Successors and Assigns. Except as otherwise provided in this Agreement,  the
terms and  conditions  of this  Agreement  shall  inure to the benefit of and be
binding upon the  respective  permitted  successors  and assigns of the parties.
Nothing in this  Agreement,  express or implied,  is intended to confer upon any
party other than the parties hereto or their  respective  successors and assigns
any rights,  remedies,  obligations,  or liabilities  under or by reason of this
Agreement,  except as expressly  provided in this Agreement.  A Holder that is a
corporation  may assign or transfer such Holder's  rights and obligations to its
Wholly  owned  subsidiaries  without  restriction  as to the  number  of  shares
acquired.

5.2 Amendments and Waivers.  Any term of this Agreement may be amended or waived
only  with the  written  consent  of the  Company  and the  holders  of at least
two-thirds (2/3) of the Register able Securities then outstanding. Any amendment
or waiver  effected in accordance with this paragraph shall be binding upon each
holder of any Register able Securities then  outstanding,  each future holder of
all such Register able Securities, and the Company.

5.3 Notices. Unless otherwise provided, any notice required or permitted by this
Agreement shall be in writing and shall be deemed sufficient upon delivery, when
delivered  personally  or by  overnight  courier or sent by  telegram or fax, or
forty-eight  (48) hours after being  deposited in the U.S. mail, as certified or
registered mail, with postage prepaid, and addressed to the party to be notified
at such party's  address or fax number as set forth below or on Exhibit A hereto
or as subsequently modified by written notice.

<PAGE>

5.4  Severability.  If one or more  provisions of this  Agreement are held to be
unenforceable  under  applicable  law,  the parties  agree to  renegotiate  such
provision in good faith.  In the event that the parties  cannot reach a mutually
agreeable  and  enforceable  replacement  for  such  provision,  then  (a)  such
provision  shall  be  excluded  from  this  Agreement,  (b) the  balance  of the
Agreement shall be interpreted as if such provision were so excluded and (c) the
balance of the Agreement shall be enforceable in accordance with its terms.

5.5 Governing Law. This Agreement and all acts and transactions  pursuant hereto
shall be governed,  construed and interpreted in accordance with the laws of the
State of Nevada, without giving effect to principles of conflicts of laws.

5.6  Counterparts.  This Agreement may be executed in two or more  counterparts,
each of which  shall be  deemed an  original,  but all of which  together  shall
constitute one and the same instrument.

5.7 Titles and  Subtitles.  The titles and subtitles  used in this Agreement are
used  for  convenience  only  and  are not to be  considered  in  construing  or
interpreting this Agreement.

{Signature Page Follows}

<PAGE>

The parties have executed this "Investors Rights Agreement" as of the date first
above written.

COMPANY:                               INVESTORS:

VOYAGER GROUP INC

By: Michael Johnson                By: John Southerland

/s/s/ Michael Johnson_          /s/s/ John Southerland_
Director

By: Marlen Johnson

/s/s/ Marlen Johnson_
InvestorEXHIBIT 10.4

                            SHARED SERVICES AGREEMENT

                                 by and between

                          VOYAGER INTERNET GROUP . COM
                                       and

                                VOYAGER GROUP INC

                              Dated as of [ ], 2000

<PAGE>

TABLE OF CONTENTS                                                          PAGE

Section 1.  Definitions; Rules of Construction1

1.1  Definitions                                                             1
1.2  Other Terms                                                             3
1.3  Rules of Construction                                                   3

Section 2.  Term                                                             5

Section 3.  Performance of Services by VIGC                                  5

3.1  General                                                                 5
3.2  Standard of Care                                                        5
3.3  Service Modifications                                                   6
3.4  Compliance with Law                                                     6
3.5  Audit                                                                   7

Section 4.  Provision of VYGP Information                                    7

Section 5.  Fees                                                             7

5.1  General                                                                 7
5.2  Sales Taxes                                                             8
5.3  License Fees                                                            8
5.4  Cap on Fees                                                             8
5.5  Unamortized Hardware and Software                                       8

Section 6.  Invoicing and Payment                                            8

Section 7.  Independence                                                     9

Section 8.  Non-exclusivity                                                  9

Section 9.  Confidentiality                                                 10

9.1  VIGC Information                                                       10
9.2  VYGP Information                                                       10
9.3  Security                                                               10
9.4  General                                                                10

Section 10.  Termination                                                    11

10.1  Grounds for Termination                                               11
10.2  Procedures on Termination                                             12

<PAGE>

10.3  Termination Costs                                                     12

Section 11.  Limitation of Liability and Remedy                             12

11.1  Damages                                                               12
11.2  VYGP's Exclusive Remedies                                             13
11.3  VIGC's Exclusive Remedies                                             13
11.4  Affiliates                                                            14

Section 12.  Force Majeure                                                  14

Section 13.  Assignment                                                     14

13.1  Assignment with Consent                                               14
13.2  Assignment in Event of Acquisition                                    14

Section 14.  Indemnification and Insurance                                  15

14.1  VIGC's Obligation                                                     15
14.2  VYGP's Obligation                                                     15
14.3  Third-Party Claims                                                    15
(a)  Control of Proceedings                                                 16
(b)  Settlement of Third-Party Claims By the Indemnified Person             17
14.4  Insurance                                                             18

Section 15.  Disputes                                                       18

15.1  Agreement to Arbitrate                                                18
15.2  Escalation and Mediation                                              18
15.3  Procedures for Arbitration                                            19
15.4  Selection of Arbitrator                                               20
15.5  Hearings                                                              20
15.6  Discovery and Certain Other Matters                                   21
15.7  Certain Additional Matters                                            22
15.8  Law Governing Arbitration Procedures                                  23
15.9  Choice of Forum                                                       23

Section 16.  Miscellaneous Provisions                                       23

16.1  Notice                                                                23
16.2  Entire Agreement                                                      23
16.3  Choice of Law                                                         24
16.4  Amendment; Waiver                                                     24
16.5  Severability                                                          24
16.6  Relationship of the Parties                                           24

<PAGE>

16.7  Survival                                                              24
16.8  Counterparts                                                          24
16.9  Records Retention                                                     24
16.10  Beneficiaries                                                        25

<PAGE>

SHARED SERVICES AGREEMENT

This  Agreement  is made as of [ ],  2000  (the  "Effective  Date")  by  VOYAGER
INTERNET  GROUP . COM  NEVADA  corporation  ("VIGC"),  and VYGP  Corporation,  a
Delaware corporation ("VYGP").

RECITALS

VIGC is planning to spin-off certain businesses by transferring those businesses
to VYGP (or its  subsidiaries)  and distributing all of the stock of VYGP to the
stockholders  of VIGC as a  dividend.  As a result of the  distribution  of that
dividend, VIGC and VYGP, and their respective subsidiaries, will be separate and
independent corporations.

As a  consequence  of the  foregoing  contemplated  actions,  VYGP will  acquire
business  operations that have  traditionally  been supported by  administrative
functions  that will  remain with VIGC after the  spin-off.  VIGC and VYGP agree
that it is  advisable  for VYGP to continue to receive  administrative  services
from VIGC.

AGREEMENT

In consideration of the mutual undertakings contained herein, and for other good
and  valuable  consideration,  the receipt and  sufficiency  of which are hereby
acknowledged, VIGC and VYGP agree as follows:

SECTION 1.  DEFINITIONS; RULES OF CONSTRUCTION.

1.1 Definitions. As used in this Agreement (including the Schedules hereto):

(i) "Action" shall mean any action, claim, suit, arbitration, inquiry, subpoena,
discovery  request,  proceeding or investigation by or before any court or grand
jury, any governmental or other regulatory or administrative  entity,  agency or
commission or any arbitration tribunal.

(ii)  "Affiliate"  shall mean any Person  controlling,  controlled  by, or under
direct  or  indirect  common  control  with a  Party.  For the  purpose  of this
definition,  the term  "control"  means the power to direct the management of an
entity,  directly or indirectly,  whether solely through the ownership of voting
securities (as in the case of a subsidiary),  by contract, or otherwise; and the
terms "controlling" and "controlled" have meanings correlative to the foregoing.
VYGP and VIGC shall not be deemed to be Affiliates of each other.

(iii)  "Agreement"  means this Shared Services  Agreement dated as of January 1,
2000 including all Schedules attached hereto.

(iv)  "Arbitration  Act" shall mean the United States  Arbitration Act, 9 U.S.C.
ss.ss. 1-14, as the same may be amended from time to time.

<PAGE>

(v) "Change in Control" shall mean the  acquisition by any  individual,  entity,
group or Person (as such term is defined in  Section  13(d)(3)  of the  Exchange
Act), other than by a subsidiary or affiliated corporation of the relevant Party
or any  employee  benefit plan  (including a trust  forming part of such a plan)
maintained  by the  relevant  Party or a  subsidiary  or  affiliate  thereof  of
ownership of [50%] or more of either (i) the then  outstanding  shares of common
stock  of the  relevant  Party  or (ii) the  combined  voting  power of the then
outstanding  voting  securities of the relevant Party entitled to vote generally
in the election of directors.

(vi) "Cost"  whether  used alone or as part of another  defined  term shall mean
cost as determined by VIGC in a manner  substantially  the same as the manner in
which VIGC determined such cost in the one-year period ending December 31, 1999.

(vii) "Exchange Act" shall mean the Securities Exchange Act of 1934, as amended.

(viii) "Fully  Burdened Cost" shall mean all direct and indirect Costs including
allocable  overhead  (but  excluding  corporate  overhead  and  return on equity
investment)  allocable to the provision of any Service without regard to whether
the Service is provided to VYGP or to VIGC. The Fully  Burdened Cost  associated
with the  provision of any Service shall include any Stay Bonus or Severance Pay
paid to any employee who, as of the Effective  Date, was employed by VIGC in the
provision of that Service. As regards any individual  employee,  "Fully Burdened
Cost" shall  include all direct  Costs  relating to that  individual  (including
their  salary  and  accruals  for  incentive  compensation,  vacation,  holiday,
insurance  (medical,  dental,  vision,  life,  legal,  short-term  and long-term
disability,  employee assistance  program),  workers compensation and 401k match
and FUI,  SUI,  OASDI and  Medicare) and any Stay Bonus or Severance Pay paid as
well as that individual's  proportionate share of all indirect Costs incurred in
the provision of the relevant Service, such individual's  proportionate share to
be determined by dividing the total  indirect Costs relating to the provision of
the relevant Service by the number of full-time equivalent employees employed by
the VIGC department providing the relevant Service.

(ix) "Governmental  Authority" shall mean any foreign,  federal, state, local or
other  government,  statutory or  administrative  authority,  regulatory body or
commission or any court, tribunal or judicial or arbitral body.

(x) "Notice" shall mean notice given in accordance with Section 16.1.

(xi) "Party" shall mean either VIGC or VYGP.

(xii)  "Person"  shall mean an  individual,  corporation,  partnership,  Limited
Liability Company, unincorporated syndicate, unincorporated organization, trust,
trustee,  executor,  administrator or other legal  representative,  governmental
authority or agency, or any group of Persons acting in concert.

(xiii) "SEC" shall mean the Securities and Exchange Commission.

(xiv)  "Service"  shall mean each  service  generally  described  in Schedule 2,
performed in  substantially  the same manner and containing the same elements as
when such Service was provided to VIGC or

<PAGE>

Affiliates of VIGC prior to the Effective  Date,  except as otherwise  permitted
under Section 3.

(xv) "Term" shall mean the period of time  provided in Section 2,  including any
and all extensions thereof.

(xvi) "Transfer" shall mean any assignment,  transfer, sale or other disposition
to a Person that is not an Affiliate of the  Transferor,  including any Transfer
by way of merger or consolidation or otherwise by operation of law.

1.2 Other Terms. Terms defined in other Sections of this Agreement will have the
meanings therein provided.

1.3  Rules of Construction.

(a) In this Agreement, unless a clear contrary intention appears:

(i)  the singular number includes the plural number and vice versa;

(ii) reference to any Person includes such Person's  successors and assigns but,
if  applicable,  only if such  successors  and  assigns  are  permitted  by this
Agreement;

(iii) reference to any gender includes the other gender;

(iv)  reference to any Section or Schedule  means such Section of this Agreement
or such Schedule to this  Agreement,  as the case may be, and  references in any
Section  or  definition  to any  clause  means  such  clause of such  Section or
definition;

(v) "herein", "hereunder", "hereof", "hereto," and words of similar import shall
be deemed  references  to this  Agreement  as a whole and not to any  particular
Section or other provision hereof or thereof;

(vi)  "including"  (and with  correlative  meaning  "include")  means  including
without limiting the generality of any description preceding such term;

(vii) relative to the  determination  of any period of time,  "from" means "from
and  including",  "to" means "to but excluding" and "through" means "through and
including";

(viii) reference to any law (including  statutes and ordinances)  means such law
as amended, modified,  codified or reenacted, in whole or in part, and in effect
from time to time, including rules and regulations promulgated thereunder;

(ix) accounting terms used herein shall have the meanings  historically  tribute
to them by VIGC  and its  subsidiaries  based  upon  VIGC's  internal  financial
policies  and  procedures  in  effect  prior to the  spin-off  described  in the
recitals above;

(x) in the event of any  conflict  between  the  provisions  of the body of this
Agreement and the

<PAGE>

Schedules  hereto,  the provisions of the body of this Agreement  shall control;
and

(xi) the headings contained in this Agreement have been inserted for convenience
of reference only, and are not to be used in construing this Agreement.

(b) This Agreement was drafted and negotiated by the Parties with the benefit of
legal representation,  and any rule of construction or interpretation  otherwise
requiring  this  Agreement to be construed or  interpreted  against either Party
shall not apply to any construction or interpretation hereof.

SECTION 2.  TERM.

The initial Term of this Agreement shall begin on the Effective Date and, except
as otherwise  provided in this Agreement,  end at the end of the day on June 30,
2000. The Term may be extended for successive additional periods, subject to the
Parties  agreeing upon the terms and  conditions of such an extension.  Any such
agreement to extend the term of this  Agreement must be entered into at least 90
days in advance of the date on which this Agreement  would  otherwise  naturally
terminate.  Each Party may in its absolute  discretion  determine whether or not
the terms of any such proposed  extension are acceptable and may refuse to agree
to any such extension for any reason whatsoever. Notwithstanding the above, VYGP
shall have access to VIGC's systems, reports, databases and other records, which
access shall not be  unreasonably  requested  by VYGP or denied by VIGC,  for 45
days after the date of the termination of this  Agreement.  Such access shall be
provided  in  order to allow  VYGP to  complete  its  financial  accounting  and
otherwise  maintain  its records for the period when this  Agreement  shall have
been in force.

SECTION 3.  PERFORMANCE OF SERVICES BY VIGC.

3.1 General.  From time to time,  beginning on the  Effective  Date,  VIGC will,
subject to Section  3.2(c),  provide  Services to VYGP (and to those Persons who
were, as of the Effective  Date,  VYGP  Affiliates)  on an "as needed" basis (as
determined by VYGP or its covered Affiliates).  Services may be provided by VIGC
itself or VIGC may outsource the provision of the Services.

3.2      Standard of Care.

(a) VIGC will use (and will cause its Affiliates to use) commercially reasonable
efforts in the performance of its obligations  hereunder and will do so with the
same degree of care,  skill and prudence  customarily  exercised when engaged in
similar  activities for itself and its  Affiliates.  VIGC will have no liability
with respect to the  provision  of services to VYGP  hereunder in the absence of
gross negligence or willful misconduct. To the extent that any error or omission
in any Service is not caused by failure of VYGP or its  Affiliates to conform to
VYGP's  obligations under Section 4 or is not otherwise excused under Section 12
and correction  thereof by  reperformance  or otherwise is practical,  VIGC will
make such correction.

(b) VIGC makes no  representations or warranties  whatsoever,  either express or
implied, to VYGP or any other Person that the Services provided hereunder are or
will be adequate and  sufficient  (as to quantity,  quality or type) to meet the
needs (including any specifically identified needs) or any

<PAGE>

objectives  of VYGP or any  such  Person  with  respect  to the  conduct  of the
business of VYGP or such Person.

(c) The proportionate  share of each Service to which VYGP will be entitled will
be  approximately  equal to the  proportionate  share of that  Service that was,
prior to the Effective Date,  devoted to the businesses that VIGC is planning to
spin-off  to GP. To the  extent  that  VIGC's  capacity  to perform a Service is
diminished, be it by system failure,  departure of personnel or any other factor
outside of the control of VIGC, the Services to which VYGP will be entitled will
be decreased proportionately.

(d) In performing its responsibilities  hereunder, VIGC will accord VYGP and its
Affiliates  the same  priority  under  comparable  circumstances  as it provides
itself and its Affiliates.  Without limiting the generality of the foregoing, in
the provision of Services under comparable circumstances VIGC and its Affiliates
will not discriminate  against VYGP or any of its Affiliates solely because VYGP
or one of its Affiliates is the recipient of such Services.

(e) VIGC will use all reasonable  efforts to provide Services at the same levels
of quality and  efficiency as they have been provided to VIGC and its affiliates
prior to the Effective Date. VIGC shall give due consideration to any suggestion
by VYGP to  improve  performance  but  shall  have no  obligation  to  accept or
implement any such  suggestion that it shall not, in its sole  discretion,  deem
advisable and in the best interests of VIGC.

3.3  Service Modifications.

(a) VIGC may  reasonably  supplement,  modify,  substitute or otherwise  alter a
Service   from  time  to  time  in  a  manner   consistent   with   supplements,
modifications,  substitutions  or  alterations  made  with  respect  to  similar
services  provided  or  otherwise  made  available  by  VIGC  to  itself  or its
Affiliates;  provided that no change which,  in the good faith judgment of VIGC,
adversely  affects the quality or availability of a Service or increases  VYGP's
cost of using the  Service  (including  any  product  thereof)  in any  material
respect, shall be made without the consent of VYGP. VIGC will give VYGP not less
than 90 days  Notice,  prior to the  implementation  of any  change in a Service
that, in the good faith  judgment of VIGC,  may adversely  affect the quality or
availability  of a Service  or  increase  the cost of using the  Service  in any
material respect.

(b)  Without  limiting  the  generality  of  the  provisions  of  the  preceding
subsection  (a),  VIGC will not make any  changes  in any  Service  which  would
require VYGP to modify any bridge or other interface between VYGP facilities and
the point at which data is transmitted to such facilities, except when the costs
of such  modification  is less  than  $10,000,  unless  VYGP  consents  thereto.
Conversely,  VIGC will not be obligated to make any change in a Service  because
of changes VYGP makes in its facilities.

3.4      Compliance with Law.

In performing Services, VIGC will comply in all material respects with all laws,
rules and regulations that apply to the performance of the Services.

<PAGE>

3.5 Audit. (a) Each of VIGC and VYGP may audit the other with respect to (i) the
performance  of Services to ensure that  adequate  internal  and  administrative
controls and procedures are being employed,  (ii) any Cost used to determine any
amounts payable hereunder,  and (iii) any other matters  reasonably  required to
verify  compliance  with the terms of this Agreement.  The Party  requesting the
audit may use independent auditors, who may participate fully in such audit.

(b) In the event that an audit is proposed with respect to information which the
Party to be  audited  wishes not to  disclose  to the other  Party  ("Restricted
Information"),  then on the  written  demand  of the  Party  to be  audited  the
individuals  conducting the audit with respect to Restricted Information will be
limited to the independent  auditors of the Party  requesting the audit. In such
event,  the Party to be audited shall pay the costs of the independent  auditors
conducting  such  audit,  but only with  respect  to that  portion  of the audit
relating to Restricted  Information.  Such independent auditors shall enter into
an  agreement  with the  Parties  hereto,  on terms that are  agreeable  to both
Parties hereto,  under which such  independent  auditors shall agree to maintain
the confidentiality of the information  obtained during the course of such audit
and establishing what information such auditors will be permitted to disclose to
report  the  results  of any  audit  of  Restricted  Information  to  the  Party
requesting the audit.

(c) Any such audit shall be conducted during regular business hours, in a manner
that does not  interfere  unreasonably  with the  operations  of the Party being
audited.  Such  audits  shall be  conducted  not more than once in any  calendar
quarter. Subject to the foregoing limitations, any such audit shall be conducted
when  requested by Notice given not less than 30 days prior to the  commencement
of the audit.

SECTION 4.  PROVISION OF VYGP INFORMATION.

To enable VIGC to provide the Services,  VYGP will provide information,  furnish
access to data and take such other action as is reasonably requested by VIGC.

SECTION 5.  FEES.

5.1 General.  The aggregate  Fully  Burdened Costs for the Services set forth in
Schedule 2 will be  allocated  on a  Service-  by-Service  basis as between  the
Parties according to the procedures set forth in Schedule 3.

5.2 Sales Taxes.  VYGP shall pay, or reimburse VIGC for, the gross amount of any
present  or future  sales,  use,  excise,  occupation,  privilege,  value-added,
gross-receipts or other similar tax (excluding any tax on net income,  corporate
franchise  tax or fee or any similar tax or fee)  applicable to the fee, sale or
furnishing of any Service or to its use by VYGP.

5.3 License  Fees.  If VIGC  reasonably  concludes  that it requires  consent to
permit  it to use any  intellectual  property  for  the  provision  of  Services
hereunder  that was not  obtained  prior to the  Effective  Date,  VIGC will use
reasonable  efforts to obtain such  consent and the amounts paid to the licensor
shall b equitably  allocated  between the  Parties.  If any consent  required to
permit  VIGC to use any  intellectual  property  for the  provision  of Services
hereunder

<PAGE>

(irrespective of when obtained) requires periodic payments to the licensor,  the
amount  thereof shall be equitably  allocated  between the Parties.  Allocations
pursuant to this  Section 5.3 shall be based upon the amount of each Party's use
of the  intellectual  property for which the payment is made. If the Parties are
unable to agree to the allocation,  the question shall be resolved in accordance
with Section 15.

5.4. Cap on Fees.  Notwithstanding  any other provision of this Agreement,  fees
charged to VYGP under this Agreement shall not exceed 60% of the aggregate Fully
Burdened Cost of all of the Services.

[5.5 Unamortized Hardware and Software.  Upon the termination of this Agreement,
VYGP shall make a one-time payment to VIGC to reflect its proportionate share of
the  unamortized  value of the hardware and software  identified in Section V of
Schedule 1.]

SECTION 6.  INVOICING AND PAYMENT.

VIGC will each month submit to VYGP for payment a statement of amounts due under
this  Agreement.  The statement will specify the charge for each of the Services
provided  during the relevant month.  Statements  submitted other than after the
close of a fiscal  quarter will be based on reasonable  estimates of the amounts
due,  and VIGC will  perform a true-up  at the end of the fiscal  quarter.  Each
statement  will specify the nature of the Services  provided and will contain or
be  followed  by such  other  supporting  detail  as VYGP may from  time to time
reasonably request.

VYGP will pay or cause its Affiliates  receiving the Services to pay all amounts
due  pursuant  to this  Agreement  within  30 days  after  the date of each such
statement hereunder.  If any amounts due hereunder have not been received by the
due date, such overdue amounts shall bear interest from the due date at the rate
of 1% per month, or portion thereof, until received.

Either Party shall have the right to withhold any disputed amounts due hereunder
if such Party in good faith disputes the amount claimed by the other Party to be
due hereunder and such Party  notifies the other Party of such dispute within 30
days  after  the date of the  statement  containing  the  disputed  amount.  The
foregoing  right to  withhold  payment of disputed  amounts  shall be limited to
amounts  disputed in good faith,  and interest will accrue and be payable on the
net amount determined to be payable.

Neither  payments  made by VYGP nor the  acceptance  of  payments by VIGC in the
amount or less than the amount shown on VIGC's  statements shall be construed as
an  acceptance  or agreement  with the amount so stated or the amount  received,
respectively. Except as otherwise provided, either VYGP or VIGC may recover from
the other the amount of any overpayment or  underpayment.  Without  limiting the
generality of the  foregoing,  VIGC may  supplement any statement it renders for
less than the full amount to which it is entitled hereunder;  provided that such
supplement  is  made  within  a  reasonable   time  after  the  statement  being
supplemented.

In addition to any other rights  available  to it at law or in equity,  upon ten
days Notice to VYGP, VIGC may suspend the provision of any Services for which an
undisputed statement for provision

<PAGE>

of Services hereunder from VIGC has not been satisfied within 20 days of its due
date until such statement has been satisfied.

SECTION 7.  INDEPENDENCE.

All employees and  representatives  of VIGC  providing  Services to VYGP will be
deemed for purposes of all compensation and employee benefits to be employees or
representatives   of  VIGC  (or  its   subcontractors)   and  not  employees  or
representatives  of VYGP.  In  performing  such  services,  such  employees  and
representatives will be under the direction, control and supervision of VIGC (or
its subcontractors) (and not of VYGP) and VIGC (or its subcontractors) will have
the sole  right  to  exercise  all  authority  with  respect  to the  employment
(including  termination  of  employment),  assignment and  compensation  of such
employees and representatives.

SECTION 8.  NONEXCLUSIVITY.

Nothing in this  Agreement  shall prevent VIGC from providing any Service to any
other Person. Nothing in this Agreement shall prevent VYGP from obtaining all or
any part of the Services from its own employees and facilities or from providers
other than VIGC.

SECTION 9.  CONFIDENTIALITY.

9.1 VIGC  Information.  VYGP agrees to hold,  and to use  reasonable  efforts to
cause its  employees  and  representatives  to hold,  in  confidence in a manner
consistent  with  VYGP's  treatment  of its own  confidential  information,  all
information  concerning  VIGC  reasonably  understood  to  be  confidential  (i)
contained  in any of the  Schedules to this  Agreement or otherwise  received by
VYGP from VIGC after the  Effective  Date relating to the  determination  of the
fees and charges  payable  hereunder,  (ii) obtained from VIGC by the use of any
access to VIGC data afforded by any connection between VYGP's systems and VIGC's
systems maintained in connection with the provision of Services hereunder, (iii)
obtained  from VIGC in the course of an audit  pursuant  to Section  3.5 or (iv)
furnished to or obtained by VYGP after the  Effective  Date in the course of its
receipt of Services  hereunder.  Except as may  otherwise be provided in another
agreement  between  the  Parties,  VYGP shall not use such  information  for any
purpose other than as contemplated under this Agreement or verifying  compliance
with this Agreement, without VIGC's prior written consent.

9.2 VYGP Information.  VIGC agrees to hold, and to use its reasonable efforts to
cause its  employees  and  representatives  to hold,  in  confidence in a manner
consistent  with  VIGC's  treatment  of its  own  confidential  information  all
information reasonably understood to be confidential  concerning VYGP, furnished
to or  obtained  by VIGC after the  Effective  Date in the  course of  providing
Services  under this  Agreement.  Except as may otherwise be provided in another
agreement  between  the  Parties,  VIGC shall not use such  information  for any
purpose other than as contemplated under this Agreement or verifying  compliance
with this Agreement, without VYGP's prior written consent.

9.3 Security. Each Party shall be responsible for preventing unauthorized remote
access by such Party's own agents and employees to data transferred or otherwise
made available to the other Party under this Agreement.

<PAGE>

9.4 General. The obligations of confidentiality and non-disclosure imposed under
this Section 9 shall not apply to data and  information  that the  recipient can
demonstrate:

         (i) is published or is or  otherwise  becomes  available to the general
         public as part of the public domain without breach of this Agreement;

         (ii) has been  furnished  or made known to the  recipient  without  any
         obligation to keep it confidential by a third party under circumstances
         which are not known to the  recipient  to involve a breach of the third
         party's obligations to a Party hereto;

         (iii) was  developed  independently  of  information  furnished  to the
         recipient under this Agreement; or

         (iv) was known to the recipient at the time of receipt thereof from the
         other  Party,  is not  otherwise  subject  to [(a) the  confidentiality
         restrictions contained in the Reorganization Agreement dated as of [ ],
         2000  between  VYGP and  VIGC] or (b) any other  obligation  to keep it
         confidential   and  was  not   obtained   from  a  third   party  under
         circumstances  which were known to the recipient to involve a breach of
         the third party's obligations to a Party hereto.

Each Party (the "first party")  acknowledges that the other Party would not have
an  adequate  remedy at law for the breach by the first party of any one or more
of the  covenants  contained in this Section 9 and agrees that,  in the event of
such breach, the other Party may, in addition to the other remedies which may be
available to it, apply to a court for an injunction to prevent  breaches of this
Section 9 and to enforce specifically the terms and provisions of this Section.

The provisions of this Section 9 shall not preclude disclosures required by law;
provided,  however,  that each Party will use  reasonable  efforts to notify the
other,  prior to making any such  disclosure,  and permit the other to take such
steps  as  it  deems  appropriate,   including  obtaining  a  protective  order,
consistent with applicable law, to minimize any loss of confidentiality.

SECTION 10.  TERMINATION.

10.1 Grounds for Termination.  Each Party shall have the right to terminate this
Agreement  effective  upon  delivery  of Notice to the other  Party if the other
Party: (a) makes an assignment for the benefit of creditors, or becomes bankrupt
or insolvent, or is petitioned into bankruptcy, or takes advantage of any state,
federal  or  foreign   bankruptcy  or  insolvency  act,  or  if  a  receiver  or
receiver/manager  is appointed for all or any  substantial  part of its property
and business and such receiver or  receiver/manager  remains  undischarged for a
period of 30 days,  (b) has its corporate  existence  terminated by voluntary or
involuntary dissolution,(c) materially defaults in the performance of any of its
covenants or  obligations  contained in this  Agreement  and such default is not
remedied to the nondefaulting  Party's  reasonable  satisfaction  within 30 days
after Notice to the defaulting Party of such default,  or if such default is not
capable  of  rectification  within  30 days,  if the  defaulting  Party  has not
promptly  commenced to rectify the default  within such 30 day period and is not
proceeding  diligently  to rectify  the  default,  (d) effects a Transfer of its
rights and  obligations  under this  Agreement  pursuant to Section 13.2, or (e)
undergoes a Change in Control.  Except as provided above, neither this Agreement
nor any of the Services may be terminated prior to June 30, 2000,

<PAGE>

except with the mutual agreement of the Parties.

10.2 Procedures on Termination.  On any termination of this Agreement, VIGC will
cooperate with VYGP as reasonably  necessary to avoid disruption of the ordinary
course of VYGP's business,  and such termination  shall not affect VIGC's rights
to payment for Services provided.

Except as otherwise  required  pursuant to Section 16.9 each Party shall destroy
or return to the other  Party all  records  made or  obtained  in the  course of
performance  hereunder containing  information  regarding the other Party or its
customers that is protected from  disclosure  under Section 9. In the event that
any Party  shall elect to destroy any  records as  permitted  above,  such Party
shall provide the other Party with written confirmation of any such destruction.

10.3  Termination  Costs.  If VYGP elects to terminate  any Service  pursuant to
Section  10.1 and  such  termination  results  in  VIGC's  becoming  liable  for
termination  charges  imposed by a Person that is not an Affiliate of VIGC, VYGP
will reimburse VIGC  therefore.  If the amount of any such charges is subject to
negotiation  between VIGC and such Person,  VIGC will allow VYGP to  participate
therein and will not agree to the amount thereof without VYGP's  consent,  which
will not be unreasonably  withheld.  Any amounts payable under this Section 10.3
shall be in addition to, and separate from,  any amounts  payable under Sections
5.5-5.7.

SECTION 11.  LIMITATION OF LIABILITY AND REMEDY.

11.1 Damages. In no event, whether based on contract, indemnity,  warranty, tort
(including  willful and wanton  misconduct or negligence),  strict  liability or
otherwise,  shall either Party or any of its directors,  officers,  employees or
agents,  be liable for any lost  profits or any  special,  exemplary,  punitive,
incidental,  indirect or  consequential  damages.  The foregoing  limitation and
disclaimer  shall apply  irrespective  of whether the  possibility  of such lost
profits  or  any  special,   exemplary,   punitive,   incidental,   indirect  or
consequential  damages had been  disclosed  in advance or could have  reasonably
been  foreseen.  The  amounts  due from one  Party to the other  based  upon the
Parties'  respective  obligations  to  indemnify  each  other  pursuant  to this
Agreement  shall not be deemed to be  damages  that  would be  excluded  by this
paragraph.

The  limitations  and disclaimers of obligations and liability ties contained in
this  Section 11 are intended to apply to the fullest  extent  permitted by law;
provided that such  limitations and disclaimers  shall not limit amounts payable
with respect to any express indemnity provided for in this Agreement.

11.2 VYGP's Exclusive  Remedies.  VYGP's exclusive remedies against VIGC for any
breach  of,  or other  act or  omission  arising  out of or  relating  to,  this
Agreement shall be:

         (i) the right to receive refunds of the amount of any payment in excess
         of amounts owed under this Agreement;

         (ii) the right to require  reperformance  of any  Service to the extent
         required pursuant to Section 3.2;

<PAGE>

         (iii) the right to indemnification as provided in Section 14;

         (iv) the right to injunction,  specific  performance or other equitable
         non-monetary relief when available under applicable law;

         (v) the right to terminate  this  Agreement for material  breach as set
         forth in Section 10; and

         (vi) the right to actual damages, any such damages to be limited to the
amount of fees paid.

11.3 VIGC's Exclusive  Remedies.  VIGC's exclusive remedies against VYGP for any
breach  of,  or other  act or  omission  arising  out of or  relating  to,  this
Agreement shall be:

         (i) the right to receive payment for Services and any other amounts due
         under this Agreement;

         (ii)  the right to suspend performance as provided in Section 6;

         (iii) the right to indemnification as provided in Section 14;

         (iv) the right to injunction,  specific  performance or other equitable
         non-monetary relief when available under applicable law; and

         (v) the right to terminate  this  Agreement for material  breach as set
         forth in Section 10.

11.4 Affiliates. The provisions of Sections 11.1 through 11.3 apply to a Party's
Affiliates  providing any part of any Service or performing  any other  function
hereunder or receiving any part of any Service hereunder.

SECTION 12.  FORCE MAJEURE.

The obligations of either Party to perform under this Agreement shall be excused
during each period of delay  caused by matters (not  including  lack of funds or
other  financial  causes)  such as strikes,  supplier  delays,  shortages of raw
materials,  government  orders or acts of God, which are  reasonably  beyond the
control of the Party  obligated to perform;  provided that nothing  contained in
this Agreement shall affect either Party's ability or discretion with respect to
any  strike or other  employee  dispute  or  disturbance  and all such  strikes,
disputes or disturbances shall be deemed to be beyond the control of such Party.
A condition  of force  majeure  shall be deemed to continue  only so long as the
affected Party shall be taking all reasonable actions necessary to overcome such
condition.  In the  event  that  either  Party  hereto  shall be  affected  by a
condition of force majeure,  such Party shall give the other Party prompt Notice
thereof,  which  Notice  shall  contain  the  affected  Party's  estimate of the
duration  of such  condition  and a  description  of the  steps  being  taken or
proposed to be taken to overcome  such  condition  of force  majeure.  Any delay
occasioned  by any  such  cause  shall  not  constitute  a  default  under  this
Agreement,  and the  obligations  of the Parties  shall be suspended  during the
period of delay so  occasioned.  During any period of force  majeure,  the Party
that is not  directly  affected  by such  condition  of force  majeure  shall be
entitled to take any reasonable action

<PAGE>

necessary to mitigate the effects of such condition of force majeure.

SECTION 13.  ASSIGNMENT.

13.1 Assignment with Consent.  This Agreement shall be binding upon and inure to
the benefit of the Parties hereto and their respective  successors and permitted
assigns,  provided,  however,  that, except as provided below, neither Party may
Transfer its interest in the Agreement,  including Transfers by operation of law
such as by way of merger or consolidation,  without the prior written consent of
the other Party, which consent may not be unreasonably withheld.

13.2  Assignment  in  Event  of  Acquisition.   Notwithstanding   the  foregoing
provisions  of this  Section  13,  either  Party may  Transfer  its  rights  and
obligations  under this Agreement to any  corporation or other entity that shall
acquire all or substantially  all of such Party's business and assets and assume
in writing all of such Party's  obligations  hereunder and deliver a signed copy
of such  assumption  instrument to the other Party;  and, upon the other Party's
receipt  of such  assumption  instrument,  the  assigning  Party  shall be fully
released and discharged from its obligations under this Agreement.  In the event
of such a Transfer,  the  Non-Affected  Party shall have the right to  terminate
this Agreement as provided in Section 10.

SECTION 14.  INDEMNIFICATION AND INSURANCE.

14.1  VIGC's  Obligation.  VIGC agrees to  indemnify  and hold VYGP and the VYGP
Indemnified Parties (as hereinafter  defined) harmless from and against,  and in
respect  of,  any  and all  damages,  claims,  losses,  demands,  suits,  fines,
penalties  and  liabilities  asserted  against  or  incurred,  and all  expenses
(including all reasonable  fees and expenses of counsel,  travel costs and other
out-of-pocket   costs)   incurred  in  connection  with  pending  or  threatened
litigation or other proceedings ("Expenses") which arise out of or relate to any
claim,  action or proceeding asserted by a third party to the extent exclusively
and  solely  arising  out of any matter or thing  constituting  a breach by VIGC
hereunder  or any  gross  negligence  or  willful  misconduct  by  VIGC  (or its
employees or agents) in its performance of this Agreement.  The VYGP Indemnified
Parties shall mean and include:  (x) VYGP's  Affiliates;  and (y) the respective
directors,  officers, agents and employees of VYGP and its Affiliates.  Expenses
shall be reimbursed or advanced when and as incurred promptly upon submission by
VYGP or any VYGP Indemnified Party of statements to VIGC.

14.2  VYGP's  Obligation.  VYGP agrees to  indemnify  and hold VIGC and the VIGC
Indemnified Parties (as hereinafter  defined) harmless from and against,  and in
respect  of,  any  and all  damages,  claims,  losses,  demands,  suits,  fines,
penalties  and  liabilities  asserted  against  or  incurred,  and all  expenses
(including all reasonable  fees and expenses of counsel,  travel costs and other
out-of-pocket   costs)   incurred  in  connection  with  pending  or  threatened
litigation or other proceedings ("Expenses") which arise out of or relate to any
claim,  action or proceeding asserted by a third party to the extent exclusively
and  solely  arising  out of any matter or thing  constituting  a breach by VYGP
hereunder  or any  gross  negligence  or  willful  misconduct  by  VYGP  (or its
employees or agents) in its performance of this Agreement.  The VIGC Indemnified
Parties shall mean and include:  (x) VIGC's  Affiliates;  and (y) the respective
directors,  officers, agents and employees of VIGC and its Affiliates.  Expenses
shall be reimbursed or advanced when and as incurred promptly upon submission by
VIGC

<PAGE>

or any VIGC Indemnified Party of statements to VYGP.

14.3 Third-Party Claims. If any third party shall make any claim or commence any
arbitration  proceeding or suit against any one or more of the VIGC  Indemnified
Parties or the VYGP Indemnified Parties (hereafter  "Indemnified  Persons") with
respect  to  which  an  Indemnified   Person  intends  to  make  any  claim  for
indemnification  against VIGC under  Section 14.1 or against VYGP under  Section
14.2 (as the case may be, the "Indemnifying  Party"),  such Indemnified  Persons
shall promptly give written notice to the Indemnifying Party of such third party
claim, arbitration proceeding or suit and the following provisions shall apply.

(a)  Control of Proceedings.

         1. In the event that some portion of the claim,  arbitration proceeding
or suit  brought  against  the  Indemnified  Person is for matters for which the
Indemnified Person will not seek  indemnification  from the Indemnifying  Party,
the Parties  shall  negotiate in good faith as to which party shall have control
over the proceedings.

         2.  In all  other  instances,  the  Indemnifying  Party  shall  have 20
business days after receipt of the notice referred to above in this Section 14.3
to notify  the  Indemnified  Party  that it elects to conduct  and  control  the
defense of such claim,  proceeding or suit. If the  Indemnifying  Party does not
give the foregoing notice, the Indemnified Party shall have the right to defend,
contest,  settle or compromise such claim, proceeding or suit in the exercise of
its exclusive  discretion subject to the provisions of Section 14.3(b),  and the
Indemnifying  Party shall,  upon request  from any of the  Indemnified  Persons,
promptly pay to such  Indemnified  Persons in accordance with the other terms of
this  Section  14 the  amount of any third  party  claim  resulting  from  their
liability to the third party claimant and all related Expense.

         3.  If  the  Indemnifying   Party  gives  the  foregoing  notice,   the
Indemnifying  Party  shall have the right to  undertake,  conduct  and  control,
through counsel reasonably  acceptable to the Indemnified Party, and at its sole
expense,  the conduct and settlement of such claim,  proceeding or suit, and the
Indemnified  Party shall  cooperate  with the  Indemnifying  Party in connection
therewith, provided that (i) the Indemnifying Party shall not thereby permit any
lien,  encumbrance or other adverse charge to thereafter  attach to any asset of
any Indemnified Person; (ii) the Indemnifying Party shall not thereby permit any
injunction  against any Indemnified  Person;  (iii) the Indemnifying Party shall
permit the Indemnified  Person and counsel chosen by the Indemnified  Person and
reasonably  acceptable  to the  Indemnifying  Party to monitor  such  conduct or
settlement and shall provide the  Indemnified  Person and such counsel with such
information  regarding  such  claim,  proceeding  or suit as  either of them may
reasonably request (which request may be general or specific),  but the fees and
expenses of such counsel shall be borne by the Indemnified Person unless (1) the
Indemnifying  Party and the Indemnified Person shall have mutually agreed to the
retention of such counsel or (2) the named parties to any such claim, proceeding
or suit include the  Indemnified  Person and the  Indemnifying  Party and in the
reasonable opinion of counsel to the Indemnified  Person  representation of both
parties  by the same  counsel  would be  inappropriate  due to  actual or likely
conflicts of interest between them, in either of which cases the reasonable fees
and disbursements of counsel for such Indemnified  Person shall be reimbursed by
the Indemnifying Party to the

<PAGE>

Indemnified  Person;  and (iv) the  Indemnifying  Party shall agree  promptly to
reimburse to the extent  required under this Section 14 the  Indemnified  Person
for the full  amount  of any  third  party  claim  resulting  from  such  claim,
proceeding or suit and all related Expense incurred by the Indemnified Person.

         4. In no event shall the  Indemnifying  Party without the prior written
consent of the  Indemnified  Person,  settle or comprise any claim or consent to
the entry of any judgment that does not include as an unconditional term thereof
the giving by the claimant or the plaintiff to the Indemnified  Person a release
from all liability in respect of such claim.

         5. If the Indemnifying  Party shall not have undertaken the conduct and
control of the defense of any claim,  suit or proceeding as provided above,  the
Indemnifying  Party shall nevertheless be entitled through counsel chosen by the
Indemnifying  Party  and  reasonably  acceptable  to the  Indemnified  Person to
monitor the conduct or settlement of such claim by the Indemnified  Person,  and
the  Indemnified  Person shall provide the  Indemnifying  Party and such counsel
with  such  information  regarding  such  action  or suit as  either of them may
reasonably request (which request may be general or specific), but all costs and
expenses  incurred  in  connection  with such  monitoring  shall be borne by the
Indemnifying Party.

(b) Settlement of Third-Party  Claims By the Indemnified  Person. So long as the
Indemnifying  Party is  contesting  any such claim,  proceeding  or suit in good
faith, the Indemnified Person shall not pay or settle any such claim, proceeding
or suit.  Notwithstanding  the foregoing,  the Indemnified Person shall have the
right to pay or settle any such claim, proceeding or suit, provided that in such
event the Indemnified Person shall waive any right to indemnity therefore by the
Indemnifying Party, and no amount in respect thereof shall be claimed as Loss or
Expense under this Section 14.

If the  Indemnifying  Party shall not have undertaken the conduct and control of
the defense of any claim,  proceeding or suit as provided above, the Indemnified
Person,  on not less than 30 days'  prior  written  Notice  to the  Indemnifying
Party,  may make settlement  (including  payment in full) of such claim and such
settlement  shall be binding upon the Parties  hereto for the  purposes  hereof,
unless within said 30-day period the Indemnifying Party shall have requested the
Indemnified  Person to  contest  such claim at the  expense of the  Indemnifying
Party.  In such event,  the  Indemnified  Person shall promptly comply with such
request and the Indemnifying Party shall have the right to direct the defense of
such claim or any litigation  based thereon  subject to all of the conditions of
this Section 14. Anything in this Section 14 to the contrary notwithstanding, if
the Indemnified  Person advises the Indemnifying Party that it has determined to
make settlement of a claim, the Indemnified Person shall have the right to do so
at its own cost and expense,  without any  requirement  to contest such claim at
the  request  of the  Indemnifying  Party,  but  without  any  right  under  the
provisions of this Section 14 for indemnification by the Indemnifying Party.

14.4 Insurance.  Each Party is responsible for carrying any insurance desired by
it in its sole discretion,  including comprehensive general liability insurance,
insurance to cover its  facilities,  products  liability  insurance and business
interruption  insurance.  The indemnification  provided for in Sections 14.1 and
14.2 shall not apply to the extent the  Indemnified  Party is compensated by any
insurance.

<PAGE>

SECTION 15.  DISPUTES.

15.1  Agreement to Arbitrate.  The procedures for  discussion,  negotiation  and
arbitration  set  forth  in  this  Section  15  shall  apply  to  all  disputes,
controversies or claims (whether  sounding in contract,  tort or otherwise) that
may arise  out of or  relate  to, or arise  under or in  connection  with,  this
Agreement.  Each Party agrees on behalf of itself and its respective  Affiliates
that the procedures set forth in this Section 15 shall be the sole and exclusive
remedy in connection  with any dispute,  controversy or claim relating to any of
the foregoing matters and irrevocably waives any right to commence any Action in
or before any Governmental  Authority,  except as expressly  provided in Section
15.7(b) and except to the extent  provided under the Arbitration Act in the case
of judicial  review of  arbitration  results or awards.  Each Party on behalf of
itself and its respective  Affiliates  irrevocably waives any right to any trial
by jury with respect to any claim, controversy or dispute set forth in the first
sentence of this Section 15.1

15.2  Escalation  and  Mediation.  (a) Each Party  agrees to use its  respective
reasonable  efforts to resolve  expeditiously any dispute,  controversy or claim
between them with respect to the matters covered hereby that may arise from time
to time  on a  mutually  acceptable  negotiated  basis.  In  furtherance  of the
foregoing,  any Party involved in a dispute,  controversy or claim may deliver a
notice  (an  "Escalation  Notice")  demanding  an  in-person  meeting  involving
representatives  of the Parties at a senior level of  management  of the Parties
(or if the Parties agree, of the appropriate strategic business unit or division
within such entity).  A copy of any such Escalation Notice shall be given to the
General  Counsel,  or like  officer or official,  of each Party  involved in the
dispute,  controversy  or claim (which copy shall state that it is an Escalation
Notice pursuant to this Agreement).  Any agenda, location or procedures for such
discussions  or  negotiations  between  the Parties  may be  established  by the
Parties from time to time; provided,  however,  that the Parties shall use their
reasonable efforts to meet within 10 days of the Escalation Notice.

(b) The Parties  must retain a mediator to aid the Parties in their  discussions
and  negotiations  by informally  providing  advice to the Parties.  Any opinion
expressed by the mediator shall be strictly advisory and shall not be binding on
the Parties, nor shall ny opinion expressed by the mediator be admissible in any
arbitration proceeding. The mediator shall be

selected by the Party that did not deliver the applicable Escalation Notice from
the list of individuals  set forth on Exhibit A, the names of which  individuals
were supplied to the Parties by JAMS/Endispute.  Costs of the mediation shall be
borne  equally by the Parties  involved  in the  matter,  except that each Party
shall be  responsible  for its own expenses.  Mediation is a  prerequisite  to a
demand for arbitration under Section 15.3.

15.3  Procedures  for  Arbitration.  (a) At any time after the completion of the
mediation  required  by Section  15.2(b),  any Party  involved  in the  dispute,
controversy or claim  (regardless of whether such Party delivered the Escalation
Notice)  may,  unless the  Applicable  Deadline  (as  hereinafter  defined)  has
occurred,  make a written  demand (the  "Arbitration  Demand  Notice")  that the
dispute be resolved by binding  arbitration,  which  Arbitration  Demand  Notice
shall be given to the Parties to the dispute, controversy or claim in the manner
set  forth in  Section  16.1.  In the  event  that any Party  shall  deliver  an
Arbitration  Demand Notice to another Party, such other Party may itself deliver
an Arbitration

<PAGE>

Demand  Notice  to  such  first  Party  with  respect  to any  related  dispute,
controversy  or claim with  respect  to which the  Applicable  Deadline  has not
passed without the requirement of delivering an Escalation  Notice. No Party may
assert  that the  failure  to  resolve  any matter  during  any  discussions  or
negotiations,  the course of conduct during the  discussions or  negotiations or
the  failure  to  agree on a  mutually  acceptable  time,  agenda,  location  or
procedures for the meeting,  in each case, as contemplated by Section 15.2, is a
prerequisite to a demand for  arbitration  under this Section 15.3. In the event
that any Party  delivers  an  Arbitration  Demand  Notice  with  respect  to any
dispute,  controversy  or  claim  that  is  the  subject  of  any  then  pending
arbitration  proceeding or of a previously delivered  Arbitration Demand Notice,
all such disputes, controversies and claims shall be resolved in the arbitration
proceeding for which an Arbitration Demand Notice was first delivered unless the
arbitrator in his or her sole discretion  determines that it is impracticable or
otherwise inadvisable to do so.

(b) Any Arbitration  Demand Notice may be given until one year and 45 days after
the  later  of (i)  the  occurrence  of the  act or  event  giving  rise  to the
underlying claim or (ii) the date on which such act or event was, or should have
been,  in the exercise of  reasonable  due  diligence,  discovered  by the Party
asserting  the  claim  (as  applicable  and as it may in a  particular  case  be
specifically extended by the Parties in writing, the "Applicable Deadline"). Any
discussions,  negotiations  or mediations  between the Parties  pursuant to this
Agreement or otherwise will not toll the Applicable  Deadline  unless  expressly
agreed in writing by the Parties.  Each Party agrees on behalf of itself and its
respective  Affiliates  that if an  Arbitration  Demand Notice with respect to a
dispute,  controversy  or claim is not  given  prior  to the  expiration  of the
Applicable Deadline, such dispute,  controversy or claim will be barred. Subject
to Section  15.7(d),  upon delivery of an Arbitration  Demand Notice pursuant to
Section 15.3(a) prior to the Applicable  Deadline,  the dispute,  controversy or
claim shall be decided by a sole  arbitrator  in  accordance  with the rules set
forth in this Section 15.

15.4  Arbitrator.  (a) If the  amount  in  dispute  is less than  $500,000,  the
mediator  selected by the  provisions  set forth in Section  15.2(b) above shall
also serve as the sole  arbitrator.  If the amount in dispute  equals or exceeds
$500,000,  the mediator  selected by the provisions set forth in Section 15.2(b)
above shall select a sole  arbitrator  from a list  provided by  JAMS/Endispute.
After selection of such sole arbitrator, the mediator shall have no further role
with respect to the dispute.  Any arbitrator selected pursuant to this paragraph
(a) shall be disinterested with respect to any of the Parties and the matter and
shall be reasonably competent in the applicable subject matter.

(b) The sole arbitrator selected pursuant to paragraph (a) above will set a time
for the  hearing of the matter  which will  commence no later than 90 days after
the date of the  appointment  of the sole  arbitrator  pursuant to paragraph (a)
above,  and such  hearing will be no longer than 30 days (unless in the judgment
of the sole  arbitrator the matter is unusually  complex and  sophisticated  and
thereby  requires a longer time,  in which event such hearing shall be no longer
than 90 days). The final decision of such arbitrator will be rendered in writing
to the  Parties  not later  than 60 days  after the last  hearing  date,  unless
otherwise agreed by the Parties in writing.

15.5 Hearings.  Within the time period specified in Section 15.4(b),  the matter
shall  be  presented  to  the  arbitrator  at a  hearing  by  means  of  written
submissions of memoranda and verified witness statements,  filed simultaneously,
and responses, if necessary in the judgment of the arbitrator or both

<PAGE>

of the Parties.  If the arbitrator deems it to be essential to a fair resolution
of the dispute,  live  cross-examination or direct examination may be permitted,
but is not generally contemplated to be necessary. The arbitrator shall actively
manage  the   arbitration   with  a  view  to  achieving  a  just,   speedy  and
cost-effective  resolution of the dispute, claim or controversy.  The arbitrator
may,  in  his  or  her  sole  discretion,  set  time  and  other  limits  on the
presentation  of each Party's  case,  its  memoranda or other  submissions,  and
refuse to receive any proffered evidence that the arbitrator, in his or her sole
discretion, finds to be cumulative,  unnecessary, irrelevant or of low probative
nature.  Except as otherwise set forth herein, any arbitration hereunder will be
conducted  in  accordance  with  the   JAMS/Endispute   Streamlined   Rules  for
Commercial,  Real Estate and Construction Cases then prevailing. The decision of
the arbitrator  will be final and binding on the Parties,  and judgment  thereon
may be had and will be  enforceable  in any court having  jurisdiction  over the
Parties.  Arbitration  awards will bear  interest at an annual rate of the Prime
Rate plus 2% per annum.  To the extent that the provisions of this Agreement and
the  prevailing  rules  of  JAMS/Endispute  conflict,  the  provisions  of  this
Agreement shall govern.

15.6  Discovery  and  Certain  Other  Matters.  (a) Any  Party  involved  in the
applicable dispute may request limited document  production from the other Party
of specific and expressly relevant  documents,  with the reasonable  expenses of
the producing Party incurred in such  production  paid by the requesting  Party.
Any such discovery (which rights to documents shall be  substantially  less than
document discovery rights prevailing under the Federal Rules of Civil Procedure)
shall be conducted expeditiously and shall not cause the hearing provided for in
Section 15.5 to be  adjourned  except upon consent of all of the Parties or upon
an  extraordinary  showing  of cause  demonstrating  that  such  adjournment  is
necessary  to  permit  discovery   essential  to  a  Party  to  the  proceeding.
Depositions,  interrogatories  or  other  forms  of  discovery  (other  than the
document production set forth above) shall not occur except by consent of all of
the  Parties.   Disputes   concerning  the  scope  of  document  production  and
enforcement  of the document  production  requests will be determined by written
agreement  of the Parties or,  failing such  agreement,  will be referred to the
arbitrator  for  resolution.  All  discovery  requests  will be  subject  to the
Parties'  rights to claim any applicable  privilege.  The arbitrator  will adopt
procedures to protect the proprietary  rights of the Parties and to maintain the
confidential treatment of the arbitration proceedings (except as may be required
by law). Subject to the foregoing,  the arbitrator shall have the power to issue
subpoenas  to compel  the  production  of  documents  relevant  to the  dispute,
controversy or claim.

(b) The  arbitrator  shall have full power and authority to determine  issues of
arbitrability  but shall  otherwise be limited to interpreting or construing the
applicable provisions of this Agreement,  and will have no authority or power to
limit,  expand,  alter,  amend,  modify,  revoke or  suspend  any  condition  or
provision of this Agreement;  it being understood,  however, that the arbitrator
will have full  authority to implement the  provisions of this  Agreement and to
fashion appropriate remedies for breaches of this Agreement;  provided, however,
that the arbitrator  shall not have (i) any authority in excess of the authority
a court  having  jurisdiction  over the Parties and the  controversy  or dispute
would have absent these arbitration  provisions,(ii) any right or power to award
punitive or  multiplicative  damages or (iii) any power to impose remedies other
than  those  set forth in  Section  11.2 and 11.3.  It is the  intention  of the
Parties  that  in  rendering  a  decision  the  arbitrator  give  effect  to the
applicable  provisions  of this  Agreement and follow  applicable  law (it being
understood  and  agreed  that  this  sentence  shall not give rise to a right of
judicial review of the arbitrator's award).

<PAGE>

(c) If a Party fails or refuses to appear at and  participate  in an arbitration
hearing after due notice,  the arbitrator may hear and determine the controversy
upon evidence produced by the appearing Party.

(d)  Arbitration  costs  will be borne  equally by each  Party  involved  in the
matter,  except that each Party will be responsible  for its own attorney's fees
and other costs and expenses,  including the costs of witnesses selected by such
Party.

15.7 Certain Additional Matters. (a) Any arbitration award shall be a bare award
limited to a holding for or against a Party and shall be without  findings as to
facts,  issues or  conclusions  of law  (including  with  respect to any matters
relating to the validity or infringement of patents or patent  applications) and
shall be without a statement of the reasoning on which the award rests, but must
be in  adequate  form so that a judgment  of a court may be  entered  thereupon.
Judgment upon any arbitration award hereunder may be entered in any court having
jurisdiction thereof.

(b) Prior to the  commencement  of an  arbitration  hearing  pursuant to Section
15.5, any Party may seek one or more temporary  restraining orders in a court of
competent  jurisdiction if necessary in order to preserve and protect the status
quo.  Neither the request  for,  nor the grant or denial of, any such  temporary
restraining  order shall be deemed a waiver of the  legation to arbitrate as set
forth  herein,  and the  arbitrator  may  dissolve,  continue or modify any such
order.  Any such  temporary  restraining  order shall remain in effect until the
first to occur of the  expiration of the order in  accordance  with its terms or
the dissolution thereof by the arbitrator.

(c) Except as required by law,  the  Parties  shall hold,  and shall cause their
respective officers,  directors,  employees, agents and other representatives to
hold,  the  existence,  content  and  result  of  mediation  or  arbitration  in
confidence in accordance  with the provisions of Section 9 of this Agreement and
except as may be  required  in order to enforce  any award.  Each of the Parties
shall request that any mediator or arbitrator  comply with such  confidentiality
requirement.

(d) In the event that at any time the sole arbitrator  shall fail to serve as an
arbitrator  for any reason,  the Parties shall select a new arbitrator who shall
be  disinterested  as to the  Parties  and the  matter  in  accordance  with the
procedure  set forth  herein for the  selection of the initial  arbitrator.  The
extent,  if any, to which testimony  previously given shall be repeated or as to
which the replacement  arbitrator elects to rely on the stenographic  record (if
there  is  one)  of  such  testimony  shall  be  determined  by the  replacement
arbitrator.

15.8 Law Governing Arbitration Procedures.  The interpretation of the provisions
of this  Article 15, only  insofar as they relate to the  agreement to arbitrate
and any procedures  pursuant  thereto,  shall be governed by the Arbitration Act
and other applicable  federal law. In all other respects,  the interpretation of
this Agreement shall be governed as set forth in Section 16.3.

15.9 Choice of Forum.  Any  arbitration  hereunder  shall take place in Chicago,
Illinois, unless otherwise agreed in writing by the Parties.

SECTION 16.  MISCELLANEOUS PROVISIONS.

<PAGE>

16.1 Notices. All notices,  requests,  claims,  demands and other communications
required or permitted hereunder shall be in writing and shall be deemed given or
delivered (i) when delivered  personally,  (ii) if transmitted by facsimile when
confirmation  of  transmission  is  received,  (iii)  if sent by  registered  or
certified mail, postage prepaid, return receipt requested, on the third business
day after mailing or (iv) if sent by private courier when received; and shall be
addressed as follows:

If to VIGC, to:

If to VYGP, to:

or to such other address as such Party may indicate by a notice delivered to the
other Party.

16.2  Entire  Agreement.  This  Agreement  is the entire  agreement  between the
Parties hereto with respect to the subject matter hereof, they're being no prior
written or oral promises or representations not incorporated herein.

16.3  Choice of Law.  This  Agreement  shall be governed  by and  construed  and
enforced in  accordance  with the laws of the State of Illinois  and the federal
laws of the United States of America applicable  therein, as though all acts and
omissions  related  hereto  occurred in  Illinois.  Any lawsuit  arising from or
related to this  Agreement  shall only be brought in the United States  District
Court for the Northern District of Illinois or the Circuit Court of Cook County,
Illinois.  To the extent  permissible  by law, the Parties hereby consent to the
jurisdiction  and venue of such courts.  Each Party hereby waives,  releases and
agrees not to assert,  and agrees to cause its Affiliates to waive,  release and
not assert,  any rights such Party or its  Affiliates may have under any foreign
law or regulation that would be inconsistent with the terms of this Agreement as
governed by Illinois law.

16.4  Amendment;  Waiver.  No  amendment  or  modification  of the terms of this
Agreement  shall be binding on either Party unless reduced to writing and signed
by an authorized  representative  of the Party to be bound. The waiver by either
Party of any  particular  default by the other  Party shall not affect or impair
the rights of the Party so waiving with respect to any subsequent default of the
same or a different  kind;  nor shall any delay or  omission by either  Party to
exercise  any right  arising  from any default by the other affect or impair any
rights  which the  nondefaulting  Party may have with respect to the same or any
future default.

16.5  Severability.  Any  provision of this  Agreement,  which is  prohibited or
unenforceable in any jurisdiction,  shall be ineffective in such jurisdiction to
the extent of such prohibition or unenforceability without affecting,  impairing
or  invalidating  the  remaining   provisions  or  the  enforceability  of  this
Agreement.

16.6  Relationship of the Parties.  By virtue of this  Agreement,  neither Party
constitutes  the  other  as  its  agent,   partner,   joint  venture,  or  legal
representative  and neither  Party has express or implied  authority to bind the
other in any manner whatsoever.

16.7 Survival.  The rights and obligations of the Parties under Sections 3.5, 6,
9, 11, 14, 15 and 16.9,

<PAGE>

shall survive any termination of this Agreement.

16.8 Counterparts.  For convenience of the Parties hereto, this Agreement may be
executed in one or more counterparts,  each of which shall be deemed an original
for all purposes.

16.9  Records  Retention.  Each Party will  retain all  information  obtained or
created in the course of  performance  hereunder in accordance  with the records
retention  guidelines of the other Party existing from time to time.  Each Party
has advised the other of its respective guidelines as in effect on the Effective
Date and will advise the other Party of any subsequent changes therein.

16.10  Beneficiaries.  Except for the provisions of Section 14 hereof, which are
also for the benefit of the other Persons indemnified,  this Agreement is solely
for  the  benefit  of  the  Parties  hereto  and  their  respective  Affiliates,
successors and permitted  assigns and shall not confer upon any other Person any
remedy,  claim,  liability,  reimbursement  or other  right in  excess  of those
existing without reference to this Agreement.

IN WITNESS WHEREOF, the Parties have caused this Agreement to be signed by their
authorized representatives as of the Effective Date.

VIGC:    VYGP:

By: John Hower             By: John Southerland

Name: s/s/Johns Hower               Name's/s/s John Southerland

Title: Director                          Title: Director

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