Document:

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                                                                   Exhibit 10.8

                                 LEASE AGREEMENT

                                     BETWEEN

                   METRO FOUR ASSOCIATES LIMITED PARTNERSHIP,

                                   AS LANDLORD

                                      -AND-

                        SYSTEMS CONSULTING COMPANY, INC.,

                                    AS TENANT

PREMISES:    379 THORNALL STREET EDISON, NEW JERSEY
             PORTION OF 7TH FLOOR

DATED:       SEPTEMBER 30, 1998

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                                      INDEX

ARTICLE                              CAPTION                                PAGE

  1       Demised Premises, Term, Rent ...................................     1

  2       Use ............................................................     3

  3       Preparation of the Demised Premises ............................     3

  4       When Demised Premises Ready for Occupancy ......................     4

  5       Additional Rent ................................................     5

  6       Subordination, Notice to Lessors and Mortgagees ................     9

  7       Quiet Enjoyment ................................................    10

  8       Assignment, Mortgaging, Subletting .............................    10

  9       Compliance with Laws and Requirements of Public Authorities ....    12

  10      Insurance ......................................................    13

  11      Rules and Regulations ..........................................    15

  12      Tenant's Changes ...............................................    15

  13      Tenant's Property ..............................................    18

  14      Repairs and Maintenance ........................................    19

  15      Electricity ....................................................    20

  16      Heating, Ventilation and Air-Conditioning ......................    21

  17      Landlord's Other Services ......................................    22

  18      Access, Changes in Building Facilities, Name ...................    24

  19      Notices of Accidents ...........................................    25

  20      Non-Liability and Indemnification ..............................    25

                                       (i)
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ARTICLE                              CAPTION                                PAGE

   21     Destruction or Damage ..........................................   26
   22     Eminent Domain .................................................   28
   23     Surrender ......................................................   29
   24     Conditions of Limitation .......................................   30
   25     Re-Entry by Landlord ...........................................   32
   26     Damages ........................................................   32
   27     Waivers ........................................................   34
   28     No Other Waivers or Modifications ..............................   35
   29     Curing Tenant's Defaults .......................................   35
   30     Broker .........................................................   36
   31     Notices ........................................................   36
   32     Estoppel Certificate ...........................................   37
   33     Arbitration ....................................................   37
   34     No Other Representations, Construction, Governing Law ..........   38
   35     Security .......................................................   39
   36     Parties Bound ..................................................   39
   37     Consents .......................................................   40
   38     Mortgage Financing - Tenant Cooperation ........................   40
   39     Environmental Compliance .......................................   41
   40     Holding Over ...................................................   42
   41     Certain Definitions & Constructions ............................   42

                                      (ii)
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ARTICLE                              CAPTION                                PAGE

   42     Relocation of Tenant ...........................................   42
   43     Option to Renew ................................................   42
   44     Option to Recapture and Redesign the Common Area ...............   44

          EXHIBIT A - Description of Land
          EXHIBIT B - Floor Plan
          EXHIBIT C - Separate Workletter
          EXHIBIT D - Cleaning and Maintenance Specifications
          EXHIBIT E - Rules and Regulations
          EXHIBIT F - Definitions
          EXHIBIT G - Non-Disturbance Agreement

                                      (iii)
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      LEASE, dated September 30, 1998, between METRO FOUR ASSOCIATES LIMITED
PARTNERSHIP, a New Jersey Limited Partnership, c/o Alfieri Property Management,
having its principal office located at 399 Thornall Street, P.O. Box 2911,
Edison, New Jersey 08818-2911, ("Landlord"), and SYSTEMS CONSULTING COMPANY,
INC., a Delaware Corporation, having its principal office located at 537
Congress Street, Portland, Maine 04101, ("Tenant").

                                   WITNESSETH:

                                    ARTICLE 1

                          DEMISED PREMISES, TERM, RENT

            1.01. Landlord hereby leases to Tenant, and Tenant hereby hires from
Landlord, the premises hereinafter described, in the building located at 379
Thornall Street, Edison, New Jersey ("Building") on the parcel of land more
particularly described in Exhibit A ("Land"), for the term hereinafter stated,
for the rents hereinafter reserved and upon and subject to the conditions
(including limitations, restrictions and reservations) and covenants hereinafter
provided. Each party hereby expressly covenants and agrees to observe and
perform all of the conditions and covenants herein contained on its part to be
observed and performed.

            1.02. The premises hereby leased to Tenant is a portion of the 7th
floor of the Building, as shown on the floor plans annexed hereto as Exhibit B.
Said premises, together with all fixtures and equipment which at the
commencement, or during the term of this Lease are thereto attached (except
items not deemed to be included therein and removable by Tenant as provided in
Article 13) constitute the "Demised Premises". Landlord and Tenant have mutually
agreed that the Demised Premises leased has a rentable area of 6,002 square
feet, and such rentable square footage of the Demised Premises is comprised of
the usable square footage of the Demised Premises plus a common area add-on
factor which common area add-on factor incorporates Tenant's non-exclusive
right, together with other tenants of the Building and the building known as 399
Thornall Street, Edison, New Jersey, to use the lobbies, elevators, sidewalks,
public areas, hallways, parking deck, the atrium area and other public and
service areas affecting the Building and 399 Thornall Street. The common area
add-on factor does not incorporate any of the common areas in the definition of
the Demised Premises.

            1.03. The term of this Lease, for which the Demised Premises are
hereby leased, shall commence on a date ("Commencement Date") which shall be (i)
the day on which the Demised Premises are ready for occupancy (as defined in
Article 4) or (ii) the day Tenant, or anyone claiming under or through Tenant,
first occupies the Demised Premises for business, whichever occurs earlier, and
shall end at noon on the last day of the calendar month in which occurs the day
preceding the fifth (5th) anniversary of the Commencement Date, which ending
date is hereinafter called the "Expiration Date", or shall end on such earlier
date upon which said term may expire or be canceled or terminated pursuant to
any of the conditions or covenants of

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this Lease or pursuant to law. Promptly following the Commencement Date, the
Landlord shall notify Tenant in writing of the Commencement Date and the
Expiration Date as determined in accordance with this Section. In the event
Landlord does not deliver the Demised Premises on or before six (6) months from
the execution date hereof Tenant may terminate this Lease upon two (2) weeks
notice unless Landlord has completed the Demised Premises within such two (2)
week period.

            1.04. The rents reserved under this Lease, for the term thereof,
shall be and consist of

                  (a) Fixed rent of $150,050.00 per year, (calculated on the
basis of $25.00/sq. ft. for 6,002 sq. ft. of rentable area) which shall be
payable in equal monthly installments of $12,504.17 in advance on the first day
of each and every calendar month during the term of this Lease, (except Tenant
shall pay, upon execution and delivery of this Lease by Tenant, the sum of
$12,504.17 to be applied against the first monthly installment or installments
of fixed rent becoming due under this Lease) and

                  (b) Additional rent consisting of all such other sums of money
as shall become due from and payable by Tenant to Landlord hereunder (for
default in payment of which Landlord shall have the same remedies as for a
default in payment of fixed rent),

all to be paid to Landlord at its office, or such other place, or to such agent
at such place, as Landlord may designate by notice to Tenant, in lawful money of
the United States of America.

            1.05. Tenant shall pay the fixed rent and additional rent herein
reserved promptly as and when the same shall become due and payable, without
demand therefor and without any abatement, deduction or setoff whatsoever other
than such abatements, deductions or setoffs allowed under this Lease.

            1.06. If the Commencement Date occurs on a day other than the first
day of a calendar month, the fixed rent for such calendar month shall be
prorated and the balance of the first month's fixed rent theretofore paid shall
be credited against the next monthly installment of fixed rent.

            1.07. Late payments of any payment of rent, including monthly rent
or any portion thereof, which is not received within ten (10) days after it is
due, will be subject to a late charge equal to five percent (5%) of the unpaid
payment, or $100.00, whichever is greater. This amount is in compensation of
Landlord's additional cost of processing late payments. In addition, any rent
which is not paid when due, including monthly rent, will accrue interest at a
late rate charge of First Union Prime Rate plus three percent (3%) per annum, as
said rate is reasonably determined by Landlord from published reports, (but in
no event in an amount in excess of the maximum rate allowed by applicable law)
from the date on which it was due until the date on which it is paid in full
with accrued interest. If Tenant is in default of the Lease for failure to pay
rent, in addition to the late charges and interest set forth above, Tenant shall
be charged with all attorney fees in connection with the collection of all sums
due Landlord.

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                                    ARTICLE 2

                                       USE

            2.01. Tenant shall use and occupy the Demised Premises for executive
and general offices for the transaction of Tenant's business and for no other
purpose.

            2.02. The use of the Demised Premises for the purposes specified in
Section 2.01 shall not include, and Tenant shall not use or permit the use of
the Demised Premises or any part thereof, for:

                  (a) A school of any kind other than for the training of
Tenant's employees;

                  (b) An employment agency; or

                  (c) An office for any governmental or quasi governmental
bureau, department, agency, foreign or domestic, including any autonomous
governmental corporation or diplomatic or trade mission.

                  (d) Any telemarketing activities or other direct selling
activities, however, Landlord recognizes that Tenant is currently in the
business of designing and selling software and intends to use the Demised
Premises for sales and training activities including telesales to promote the
business of the company which are permitted uses provided such usage does not
violate (e) below; or

                  (e) Any use, including executive and general office use, which
results in a density of a population of more than one person for every 250
square feet.

            2.03. If any governmental license or permit, other than a
Certificate of Occupancy, shall be required for the proper and lawful conduct of
Tenant's business in the Demised Premises, or any part thereof and if failure to
secure such license or permit would in any way affect Landlord, Tenant, at its
expense, shall submit the same to inspection by Landlord. Tenant shall at all
times comply with the terms and conditions of each such license or permit.

            2.04. Tenant shall not at any time use or occupy, or do or permit
anything to be done in the Demised Premises, in violation of the Certificate of
Occupancy (or other similar municipal ordinance) governing the use and
occupation of the Demised Premises or for the Building.

                                    ARTICLE 3

                       PREPARATION OF THE DEMISED PREMISES

            3.01. The Demised Premises shall be completed and prepared for
Tenant's occupancy in the manner, and subject to the terms, conditions and
covenants, set forth in Exhibit

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C. The facilities, materials, and work so to be furnished, installed, and
performed in the Demised Premises by Landlord at its expense are hereinafter and
in Exhibit C referred to as "Landlord's Work". Such other installations,
materials, and work which may be undertaken by or for the account of Tenant to
equip, decorate, and furnish the Demised Premises for Tenant's occupancy,
commonly called finishing trades work, are hereinafter and in Exhibit C called
"Tenant's Finish Work." After review and completion of the final construction
drawings, Landlord reserves the right to notify Tenant of any restoration Tenant
shall be responsible for upon the termination of this Lease. In any event,
Tenant shall remove from the Demised Premises all equipment comprising Tenant's
Voice, Data and Security Systems, including associated outlets, wires, wiring
trays and other equipment, materials and facilities, whether located in the
ceiling, floor and/or walls which in any way relates, pertains to, constitutes
or is connected with Tenant's Voice, Data and/or Security Systems and regardless
of whether Landlord or Tenant installed and/or paid for the installation of such
systems.

                                    ARTICLE 4

                    WHEN DEMISED PREMISES READY FOR OCCUPANCY

            4.01. The Demised Premises shall be deemed ready for occupancy on
the earliest date on which all of the following conditions have been met:

                  (a) A Certificate of Occupancy (temporary or final) has been
issued by the applicable governmental authorities, permitting Tenant's use of
the Demised Premises for the purposes for which the same have been leased. If a
temporary Certificate of Occupancy is obtained, Landlord shall still be
obligated to promptly obtain and furnish to Tenant a permanent Certificate of
Occupancy.

                  (b) Landlord's Work, and so much of Tenant's Finish Work as
Landlord shall have undertaken in accordance with Exhibit C or by separate
letter agreement, in the Demised Premises have been substantially completed, and
same shall be so deemed notwithstanding the fact that minor or insubstantial
details of construction, mechanical adjustment, or decoration or special Finish
Work requested by Tenant, such as cabinetry remain to be performed, the
non-completion of which does not materially interfere with Tenant's use of the
Demised Premises.

                  (c) Reasonable means of access and facilities necessary to
Tenant's use and occupancy of the Demised Premises, including corridors,
elevators and stairways, and heating ventilating, air conditioning, sanitary,
water, and electrical facilities, have been installed and are in reasonably good
operating order and available to Tenant.

            4.02. If making the Demised Premises ready for occupancy shall be
delayed by any act or omission of Tenant or any of its employees, agents or
contractors or any failure (not due to any act or omission of Landlord or any of
its employees, agents or contractors) to plan or execute Tenant's Finish Work
diligently or by reason of Tenant's failure to submit Tenant's plans and
specifications in the manner set forth in this Lease, the Demised Premises shall
be deemed ready for occupancy on the date when they would have been ready but
for such delay.

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            4.03. If and when Tenant shall take actual possession of the Demised
Premises, it shall be conclusively presumed that the same were in satisfactory
condition (except for latent defects) as of the date of such taking of
possession, unless within ninety (90) days after such date Tenant shall give
Landlord notice specifying the respects in which the Demised Premises were not
in satisfactory condition.

                                    ARTICLE 5

                                 ADDITIONAL RENT

            5.01. For the purpose of Sections 5.01 through 5.03.

                  (a) "Taxes" shall mean real estate taxes, special and
extraordinary assessments and governmental levies against the Land and Building
of which the Demised Premises (but excluding therefrom that portion of the real
estate taxes directly attributable to improvements made by other tenants in the
Building beyond Landlord's allowances) are a part provided, however, if at any
time during the term of this Lease the method of taxation prevailing at the date
of this Lease shall be altered so that in lieu of or as an addition to, or as a
substitute for any or all of the above there shall be assessed, levied or
imposed (i) a tax, assessment, levy, imposition or charge based on the income or
rents received therefrom whether or not wholly or partially as a capital levy or
otherwise; or (ii) a tax, assessment, levy, imposition or charge measured by or
based in whole or in part upon all or any part of the Land and/or Building and
imposed upon Landlord; or (iii) a license fee measured by the rents; or (iv) any
other tax, assessment, levy, imposition, charge or license fee however described
or imposed, then all such taxes, assessments, levies, impositions, charges or
license fees or the part thereof so measured or based shall be included in the
definition of "Taxes." Tenant shall pay to Landlord directly that portion of any
real estate taxes directly attributable to improvements made by Tenant beyond
Landlord's allowances (hereinafter referred to as "Tenant's Direct Tax
Payment").

                  (b) "Base Taxes" shall mean the assessed valuation of the Land
and Building as finally determined following completion of construction and
issuance of an initial Certificate of Occupancy for any portion of the Building
(or such equivalent certification if Certificates of Occupancy are not to be
used), multiplied by the tax rate for the Tax Year 1999.

                  (c) "Tax Year" shall mean each calendar year for which Taxes
are levied by any governmental authority.

                  (d) "Operational Year" shall mean each calendar year
commencing with calendar year 2000.

                  (e) "Tenant's Proportionate Share of Increase" shall mean
1.88% multiplied by the increase in Taxes in any Operational Year in excess of
the Base Taxes. Tenant's Proportionate Share of Increase for the first
Operational Year shall be prorated to reflect the actual occupancy by Tenant for
said Operational Year.

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                  (f) "Tenant's Projected Share of Increase" shall mean Tenant's
Proportionate Share of Increase in Taxes for the projected Operational Year
divided by twelve (12) and payable monthly by Tenant to Landlord as additional
rent.

            5.02. Commencing with the first Operational Year and thereafter,
Tenant shall pay to Landlord as additional rent for the then Operational Year,
Tenant's Projected Share of Increase in Taxes in equal monthly installments.

            5.03. After the expiration of each Operational Year, Landlord shall
furnish to Tenant a written statement of the Taxes incurred for such Operational
Year as well as Tenant's Proportionate Share of Increase, if any. If the
statement furnished by Landlord to Tenant pursuant to this Section at the end of
the then Operational Year shall indicate that Tenant's Projected Share of
Increase exceeded Tenant's Proportionate Share of Increase, Landlord shall
either pay the amount of excess directly to Tenant within twenty (20) days of
Tenant's receipt of the statement or credit same against Tenant's next monthly
installment of rent. If such statement furnished by Landlord to Tenant shall
indicate that the Tenant's Proportionate Share of Increase exceeded Tenant's
Projected Share of Increase for the then Operational Year, Tenant shall pay,
within twenty (20) days after receipt of such statement, the amount of such
excess to Landlord.

            Commencing with the first Operational Year, Tenant shall pay to
Landlord in equal monthly installments together with its payment of fixed rent
one-twelfth (1/12) of Tenant's Direct Tax Payment.

            5.04. As used in Sections 5.04 through 5.06:

                  (a) "Operating Expenses" shall mean any or all expenses
incurred by Landlord in connection with the operation of the Land and Building
of which the Demised Premises are a part, including all expenses incurred as a
result of Landlord's compliance with any of its obligations hereunder other than
Landlord's Work and such expenses shall include: (i) salaries, wages, medical,
surgical and general welfare benefits, (including group life insurance) and
pension payments of employees of Landlord engaged in the operation and
maintenance of the Building; (ii) social security, unemployment, and payroll
taxes, workers' compensation, disability coverage, uniforms, and dry cleaning
for the employees referred to in Subsection (i); (iii) the cost for the Building
and common areas of all charges for oil, gas, electricity (including, but not
limited to, fuel cost adjustments), steam, heat, ventilation, air-conditioning,
heating, and water including any taxes on any such utilities, but excluding from
Operating Expenses the Landlord's cost, including taxes thereon, of electric
energy, other than for heating and air-conditioning, furnished to the Demised
Premises (which electric energy so furnished shall be paid for by Tenant
pursuant to the provisions of Article 15 hereof); (iv) the cost of all premiums
and charges for the following insurances: rent, casualty, liability, fidelity
and war risk (if obtainable from the United States Government); (v) the cost of
all building and cleaning supplies for the common areas of the Building and
charges for telephone for the Building; (vi) the cost of all charges for
management, window cleaning, security services, if any, and janitorial services,
and any independent contractor performing work included within the definition of
operating expenses; (vii) legal and accounting services and other professional
fees and disbursements incurred in connection with the operation and management
of the Land and Building (other than as related to new leases, enforcing

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Landlord's rights under existing leases, or sales of the Building); (viii)
general maintenance of the Building and the cost of maintaining and replacing
the landscaping; (ix) maintenance of the common area; and (x) the cost of only
those capital expenditures, including the purchase of any item of capital
equipment or the leasing of capital equipment which have the effect of reducing
the expenses which would otherwise be included in Operating Expenses, which
costs shall be included in Operating Expenses for the Operational Year in which
the costs are incurred and subsequent Operational Years on a straight-line
basis, to the extent that such items are amortized over such period of time as
Landlord reasonably estimates, with an interest factor equal to the interest
rate at the time of Landlord's having made said expenditure.

                        If during all or part of any Base Year or Operational
Year, Landlord shall not furnish any particular item(s) of work or service
(which would otherwise constitute an Operating Expense hereunder) to portions of
the Building due to the fact that (i) such portions are not occupied or leased;
(ii) such items of work or service is not required or desired by the tenant of
such portion; (iii) such tenant is itself obtaining and providing such item of
work or service; or (iv) for other reasons, then, for the purposes of computing
Operating Expenses, the amount for such item and for such period shall be deemed
to be increased by an amount equal to the additional costs and expenses which
would reasonably have been incurred during such period by Landlord if it had at
its own expense furnished such item of work or services to such portion of the
Building or such tenant.

                        Notwithstanding the foregoing, the following costs and
expenses shall not be included in Operating Expenses:

                        (1) Executives' salaries above the grade of building
manager;

                        (2) Amounts received by Landlord through proceeds of
insurance except to the extent they are compensation for sums previously
included in Operating Expenses hereunder;

                        (3) Cost of repairs or replacements incurred by reason
of fire or other casualty or condemnation to the extent Landlord is compensated
therefor or would have been compensated if Landlord had carried insurance
required under this Lease;

                        (4) Advertising and promotional expenditures;

                        (5) Costs incurred in performing work or furnishing
services for any tenant (including Tenant), whether at such tenant's or
Landlord's expense, to the extent that such work or service is in excess of any
work or service that Landlord is obligated to furnish to tenant at Landlord's
expense;

                        (6) Depreciation, except as provided above;

                        (7) Brokerage commissions;

                        (8) Taxes (as hereinbefore defined);

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                        (9) The cost of electricity (for other than heating and
air-conditioning) furnished to the Demised Premises or any other space leased to
tenants as reasonably estimated by Landlord; and

                        (10) Refinancing costs and mortgage interest and
amortization payments.

                  (b) "Operational Year" shall mean each calendar year
commencing with calendar year 2000.

                  (c) "Base Year" shall mean calendar year 1999.

                  (d) "Tenant's Proportionate Share of Increase" shall mean
1.88% multiplied by the increase in Operating Expenses for the Operational Year
over Operating Expenses for the Base Year. For purposes hereof the Tenant's
Proportionate Share of Increase has been computed based upon a total square
footage of the Building equal to 320,000 square feet, and a total square footage
of the Demised Premises equal to 6,002 square feet.

                  (e) "Tenant's Projected Share of Increase" shall mean Tenant's
Proportionate Share of Increase for the projected Operational Year divided by
twelve (12) and payable monthly by Tenant to Landlord as additional rent.

            5.05. Commencing with the first Operational Year after Landlord
shall be entitled to receive Tenant's Proportionate Share of Increase, Tenant
shall pay to Landlord as additional rent for the then Operational Year, Tenant's
Projected Share of Increase.

            5.06. As soon as practicable, after the expiration of the first
Operational Year and, as soon as practicable for each Operational Year
thereafter, Landlord shall furnish to Tenant a written detailed statement of the
Operating Expenses (certified to be true and correct by Landlord) incurred for
such Operational Year which statement shall set forth Tenant's Proportionate
Share of Increase, if any. If the statement furnished by Landlord to Tenant,
pursuant to this Section, at the end of the then Operational Year shall indicate
that Tenant's Projected Share of Increase exceeded Tenant's Proportionate Share
of Increase, Landlord shall either forthwith pay the amount of excess directly
to Tenant concurrently with the statement or credit same against Tenant's next
monthly installment of rent. If such statement furnished by Landlord to Tenant
hereunder shall indicate that the Tenant's Proportionate Share of Increase
exceeded Tenant's Projected Share of Increase for the then Operational Year,
Tenant shall forthwith pay the amount of such excess to Landlord.

            5.07. Every statement given by Landlord pursuant to Sections 5.03
and 5.06 shall be conclusive and binding upon Tenant unless (i) within ninety
(90) days after the receipt of such statement Tenant shall notify Landlord that
it disputes the correctness of the statement, specifying the particular respects
in which the statement is claimed to be incorrect; and (ii) if such dispute
shall not have been settled by agreement, shall submit the dispute to judicial
proceedings within ninety (90) days after receipt of the statement. Within such
90 day period Tenant shall

                                        8
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have the right to review, examine and audit Landlord's books and records for the
applicable calendar year. Tenant agrees that it and its representatives shall
conduct a review with complete confidentiality and shall enter into a reasonable
confidentiality agreement with Landlord respecting the review, examination and
audit. Pending the determination of such dispute by agreement or judicial
proceedings as aforesaid, Tenant shall, within thirty (30) days after receipt of
such statement, pay additional rent in accordance with Landlord's statement and
such payment shall be without prejudice to Tenant's position. If the dispute
shall be determined in Tenant's favor, Landlord shall forthwith pay Tenant the
amount of Tenant's overpayment of rents resulting from compliance with
Landlord's statement. If after judicial proceeding it is determined that
Landlord's Operating Statements vary by more than five percent (5%), then
Landlord shall reimburse Tenant for Tenant's reasonable costs for payment of an
auditor or accountant. If the variance proves less than three (3%) greater than
Landlord's records, Tenant shall reimburse Landlord for Landlord's auditor or
accountant.

                                    ARTICLE 6

                 SUBORDINATION, NOTICE TO LESSORS AND MORTGAGEES

            6.01. This Lease, and all rights of Tenant hereunder are and shall
be subject and subordinate in all respects to all mortgages which may now or
hereafter affect the Land and/or the Building, whether or not such mortgages
shall also cover other lands and/or buildings, to each and every advance made or
hereafter to be made under such mortgages, and to all renewals, modifications,
replacements, and extensions of such mortgages and spreaders and consolidations
of such mortgages. This Section shall be self-operative and no further
instrument of subordination shall be required. In confirmation of such
subordination, Tenant shall promptly execute and deliver an instrument that
Landlord, the lessor of any such lease or the holder of any such mortgage or any
of their respective successors in interest may reasonably request to evidence
such subordination. The mortgages to which this Lease is, at the time referred
to, subject and subordinate are hereinafter sometimes called "superior
mortgages" and the holder of a superior mortgage or its successor in interest at
the time referred to is sometimes hereinafter called a "superior mortgagee."

            6.02. Landlord shall make a good faith effort to obtain from the
existing Mortgagee a Subordination, Non-Disturbance and Attornment Agreement
(the "Non-Disturbance Agreement") in favor of Tenant utilizing such Mortgagee's
standard form. With respect to the existing mortgage, such Mortgagee's
Non-Disturbance Agreement form is attached as Exhibit G. If Tenant fails to
accept the Non-Disturbance Agreement as described in Exhibit G attached, it
shall be considered that Landlord has satisfied any requirement respecting the
existing Mortgagee. As to any future mortgagee, Landlord agrees that it shall
use its best efforts to obtain a similar Non-Disturbance Agreement which Tenant
shall accept as a condition to a future subordination by Tenant under Section
6.01.

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                                    ARTICLE 7

                                 QUIET ENJOYMENT

            7.01. So long as Tenant pays all of the fixed rent and additional
rent due hereunder and performs all of Tenant's other obligations hereunder,
Tenant shall peaceably and quietly have, hold, and enjoy the Demised Premises
subject, nevertheless, to the obligations of this Lease and, as provided in
Article 6, to the superior leases and the superior mortgages.

                                    ARTICLE 8

                       ASSIGNMENT, MORTGAGING, SUBLETTING

            8.01. Neither this Lease, nor the term and estate hereby granted,
nor any part hereof or thereof nor the interest of Tenant in any sublease, or
the rentals thereunder, shall be assigned, mortgaged, pledged, encumbered or
otherwise transferred by Tenant, and neither the Demised Premises, nor any part
thereof shall be encumbered in any manner by reason of any act or omission on
the part of Tenant or anyone claiming under or through Tenant or shall be
sublet, or offered or advertised for subletting, or be used or occupied or
permitted to be used or occupied, or utilized for desk space or for mailing
privileges, by anyone other than Tenant or for any purpose other than as
permitted by this Lease, without the prior written consent of Landlord in every
case, except as expressly otherwise provided in this Article. Landlord's consent
to a sublease or an assignment of the Demised Premises shall not be unreasonably
withheld. Landlord shall not be deemed unreasonable for the purposes of consent
for a sublease or an assignment if, including but not limited to, Landlord
withholds its consent for any of the following: (i) in Landlord's belief the
sublessee or assignee is known as a non-performing or litigious tenant; (ii) the
sublessee's or assignee's use will burden the parking facilities of the
Building; (iii) the sublessee's or assignee's use will violate any provision of
this Lease; (iv) if such sublessee or assignee is an environmental nuisance; or
(v) if in Landlord discretion the Landlord does not find that the net worth of
such corporation or other entity at the time of the proposed sublease or
assignment is sufficient to support Tenant's obligations under this Lease.

            8.02. If this Lease be assigned, whether or not in violation of the
provisions of this Lease, Landlord may collect rent from the assignee. If the
Demised Premises or any part thereof be sublet or be used or occupied by anybody
other than Tenant, whether or not in violation of this Lease, Landlord may,
after default by Tenant and expiration of Tenant's time to cure such default,
collect rent from the undertenant or occupant. In either event, Landlord may
apply the net amount collected to the rents herein reserved, but no such
assignment, underletting, occupancy or collection shall be deemed a waiver of
any of the provisions of Section 8.01, or the acceptance of the assignee,
undertenant or occupants as Tenant, or a release of Tenant from the further
performance by Tenant of Tenant's obligations under this Lease. The consent by
Landlord to assignment, mortgaging, underletting or use or occupancy by others
shall not in any way be considered to relieve Tenant from obtaining the express
written consent of Landlord to any other or further assignment, mortgaging or
underletting or use or occupancy by others not expressly permitted by this
Article.

                                       10
<PAGE>

            8.03. The following provisions shall govern in connection with the
subletting of all or a portion of the Demised Premises:

                  (a) Tenant shall submit in writing to Landlord (i) the name of
the proposed subtenant; (ii) the nature and character of the proposed
subtenant's business, and the intended use to be made of the Demised Premises by
the proposed subtenant; (iii) the terms and conditions of the proposed sublease;
and (iv) such reasonable financial information as Landlord may request regarding
the proposed subtenant.

                  (b) Within thirty (30) days of Landlord's receipt of the
information described in (a) above, Landlord, at Landlord's election may (i)
elect to sublease the Demised Premises directly from Tenant either upon (x) the
same terms and conditions offered to the proposed subtenant or, (y) upon the
same terms and conditions as set forth in this Lease; or (ii) cancel this Lease
as to that portion of the Demised Premises which Tenant desires to sublease, in
which event Tenant agrees to surrender all of its right, title, and interest
hereunder; or (iii) consent to the subletting on such terms and conditions as
established by Landlord, including Landlord's participation in any rentals
received by Tenant.

                  (c) As a condition to Landlord's consent, if given under (b)
above, Landlord shall have obtained consent to such proposed subletting by a
superior lessor and/or superior mortgagee, provided such superior lessor and/or
superior mortgagee requires consent to the subletting.

                  (d) In connection with any subletting, Tenant shall not offer
the Demised Premises, or any part thereof to any other tenant in the Building or
their subsidiaries or affiliates at a rental rate less than the current rental
rate for substantially similar office buildings in the surrounding area.

            8.04. Tenant shall remain fully liable for the performance of all
Tenant's obligations hereunder notwithstanding any subletting provided for
herein (except to Landlord), and without limiting the generality of the
foregoing, shall remain fully responsible and liable to Landlord for all acts
and omissions of any subtenant or anyone claiming under or through any subtenant
which shall be in violation of any of the obligations of this Lease and any such
violation shall be deemed to be a violation by Tenant.

            8.05. Tenant shall not, without the prior written consent of
Landlord, assign this Lease, and the provisions of Section 8.03 with respect to
subletting shall equally apply to any assignment of this Lease. Tenant herein
named, or any immediate or remote successor in interest of Tenant herein named,
shall remain liable jointly and severally (as a primary obligor) with its
assignee and all subsequent assignees for the performance of Tenant's
obligations hereunder.

            8.06. Notwithstanding anything to the contrary contained in this
Article with respect to assignment or subletting, Landlord shall consent to any
assignment and/or subletting (i) to any parent, affiliate or wholly-owned
subsidiary of Tenant (as defined in Rule 240. 12b-2 under the Securities
Exchange Act of 1934) or (ii) to any corporation or other entity which succeeds
to all or substantially all of the assets and business of Tenant.

<PAGE>
            8.07. Tenant agrees that in connection with each separate request
for a Landlord's consent to a subletting or assignment, Tenant shall pay to
Landlord the sum of $500.00 representing a reasonable compensation to Landlord
for the administration costs of evaluating and responding to the request.

            8.08. Tenant further agrees that it shall not place any signs on the
Land or on the windows located in the Demised Premises indicating that all or
any portion of the Demised Premises are available for subleasing or assignment.

                                    ARTICLE 9

                      COMPLIANCE WITH LAWS AND REQUIREMENTS
                              OF PUBLIC AUTHORITIES

            9.01. Tenant shall give prompt notice to Landlord of any notice it
receives of the violation of any law or requirement of public authority, and at
its expense shall comply with all laws and requirements of public authorities
which shall, with respect to the Demised Premises or the use and occupation
thereof or the abatement of any nuisance, impose any violation, order or duty on
Landlord or Tenant, arising from (i) Tenant's use of the Demised Premises; (ii)
the manner of conduct of Tenant's business or operation of its installation,
equipment or other property therein; (iii) any cause or condition created by or
at the instance of Tenant, other than by Landlord's performance of any work for
or on behalf of Tenant; or (iv) the breach of any of Tenant's obligations
hereunder. Furthermore, Tenant need not comply with any such law or requirement
of public authority so long as Tenant shall be contesting the validity thereof,
or the applicability thereof to the Demised Premises, in accordance with Section
9.02.

                  Nothing contained herein shall be construed to require Tenant
to make structural alterations to the Building except to the extent that same
are required by reason of Tenant's specific use (other than general office).

            9.02. Tenant may, at its expense (and if necessary, in the name of
but without expense to Landlord) contest, by appropriate proceedings prosecuted
diligently and in good faith, the validity, or applicability to the Demised
Premises, of any law or requirement of public authority, and Landlord shall
cooperate with Tenant in such proceedings provided that:

                  (a) Tenant shall defend, indemnify, and hold harmless Landlord
against all liability, loss or damage which Landlord shall suffer by reason of
such non-compliance or contest, including reasonable attorney's fees and other
expenses reasonably incurred by Landlord;

                  (b) Such non-compliance or contest shall not constitute or
result in any violation of any superior lease or superior mortgage, or, if such
superior lease and/or supenor mortgage shall permit such non-compliance or
contest on condition of the taking of action or furnishing of security by
Landlord, such action shall be taken and such security shall be furnished at the
expense of Tenant; and

                                       12
<PAGE>

                  (c) Tenant shall keep Landlord advised as to the status of
such proceedings.

            9.03. Landlord states that, to the best of its knowledge, the
Building complies with Title III of the Americans with Disabilities Act, (the
Act), as the Act applies to existing structures constituting commercial
facilities. Landlord further states that Landlord's Work, as described in
Exhibit C, shall comply with the Act under Title III for existing structures
which are commercial facilities. If, after the Demised Premises are ready for
occupancy in accordance with Article 4, the Act requires further changes to the
Building when occasioned by any other tenant, then such changes shall not be
Tenant's responsibility. If, after the Demised Premises are ready for occupancy,
further changes to the Building, including the Demised Premises, are required by
virtue of the Lease and/or Tenant's use and occupancy, such changes shall be
Tenant's responsibility.

                                   ARTICLE 10

                                    INSURANCE

            10.01. Tenant shall not violate, or permit the violation of, any
condition imposed by the all-risk casualty policy issued for the Building and
shall not do anything, or permit anything to be kept, in the Demised Premises
which would increase the fire or other casualty insurance rate on the Building
or the property therein over the rate which would otherwise then be in effect,
(unless Tenant pays the resulting increased amount of premium as provided in
Section 10.02) or which would result in insurance companies of good standing
refusing to insure the Building or any of such property in amounts and at normal
rates reasonably satisfactory to Landlord. However, Tenant shall not be subject
to any liability or obligation under this Article by reason of the proper use of
the Demised Premises for the purposes permitted by Article 2.

            10.02. If, by reason of any act or omission on the part of Tenant,
the rate of fire insurance with extended all-risk coverage on the Building or
equipment or other property of Landlord or other tenants shall be higher than it
otherwise would be, Tenant shall reimburse Landlord, on demand, for that part of
the premiums for fire insurance and extended all-risk coverage paid by Landlord
because of such act or omission on the part of Tenant, which sum shall be deemed
to be additional rent and collectible as such.

            10.03. In the event that any dispute should arise between Landlord
and Tenant concerning insurance rates, a schedule or "make up" of rates for the
Building or the Demised Premises, as the case may be, issued by the Fire
Insurance Rating Organization of New Jersey or other similar body making rates
for fire insurance and extended coverage for the premises concerned, shall be
presumptive evidence of the facts therein stated and of the several items and
charges in the fire insurance rates with extended coverage then applicable to
such premises.

            10.04. Tenant shall obtain and keep in full force and effect during
the term of this Lease, at its own cost and expense, Comprehensive General
Liability Insurance, such insurance to afford protection in an amount of not
less than $1,000,000 for injury or death to any one person, $3,000,000 for
injury or death arising out of any one occurrence, and $1,000,000 for damage to
property, protecting and naming the Landlord, Alfieri Property Management and
the

                                       13
<PAGE>

Tenant as insured against any and all claims for personal injury, death or
property damage occurring in, upon, adjacent, or connected with the Demised
Premises and any part thereof. Tenant shall name such other insureds associated
with the Building as Landlord reasonably requests. Tenant shall pay all premiums
and charges therefor and upon failure to do so Landlord may, but shall not be
obligated to, make payments, and in such latter event the Tenant agrees to pay
the amount thereof to Landlord on demand and said sum shall be deemed to be
additional rent, and in each instance collectible on the first day of any month
following the date of notice to Tenant in the same manner as though it were rent
originally reserved hereunder, together with interest thereon at the rate of
three points in excess of Prime Rate of the First Union. Tenant will use its
best efforts to include in such Comprehensive General Liability Insurance policy
a provision to the effect that same will be non-cancelable, except upon
reasonable advance written notice to Landlord. The original insurance policies
or appropriate certificates shall be deposited with Landlord together with any
renewals, replacements or endorsements to the end that said insurance shall be
in full force and effect for the benefit of the Landlord during the term of this
Lease. In the event Tenant shall fail to procure and place such insurance, the
Landlord may, but shall not be obligated to, procure and place same, in which
event the amount of the premium paid shall be refunded by Tenant to Landlord
upon demand and shall in each instance be collectible on the first day of the
month or any subsequent month following the date of payment by Landlord, in the
same manner as though said sums were additional rent reserved hereunder together
with interest thereon at the rate of three points in excess of the Prime Rate of
the First Union.

            10.05. Landlord and Tenant agree to use their best efforts to
include in each of its insurance policies a waiver of the insurer's right of
subrogation against the other party or if such waiver shall be unobtainable or
unenforceable (a) an express agreement that such policy shall not be invalidated
if the insured waives or has waived before the casualty, the right of recovery
against any party responsible for a casualty covered by the policy or (b) any
other form of permission for the release of the other party. If such waiver,
agreement, or permission shall not be or shall cease to be obtainable without
additional charge, or at all, the insured party shall so notify the other party
after learning thereof. In such a case, if the other party shall agree in
writing to pay the insurer's additional charge therefor, such waiver
agreement or permission shall, if obtainable, be included in the policy.

            10.06. Each party hereby releases the other party with respect to
any claim (including a claim for negligence) which it might otherwise have
against the other party for loss, damage, or destruction with respect to its
property (including rental value or business interruption) occurring during the
term of this Lease to the extent to which it is insured under a policy or
policies containing a waiver of subrogation or permission to release liability
or naming the other party as an additional insured, as provided in Sections
10.04 and 10.05. If notwithstanding the recovery of insurance proceeds by either
party for loss, damage or destruction of its property (or rental value or
business interruption) the other party is liable to the first party with respect
thereto or is obligated under this Lease to make replacement, repair, or
restoration or payment, then provided that the first party's right of full
recovery under its insurance policies is not thereby prejudiced or otherwise
adversely affected, the amount of the net proceeds of the first party's
insurance against such loss, damage or destruction shall be offset against the
second party's liability to the first party thereof or shall be made available
to the second party to pay for replacement, repair, or restoration, as the case
may be.

                                       14
<PAGE>

            10.07. The waiver of subrogation or permission for release referred
to in Section 10.05 shall extend to the agents of each party and their employees
and, in the case of Tenant, shall also extend to all other persons and entities
occupying, using or visiting the Demised Premises in accordance with the terms
of this Lease, but only if and to the extent that such waiver or permission can
be obtained without additional charge (unless such party shall pay such charge).
The releases provided for in Section 10.06 shall likewise extend to such agents,
employees and other persons and entities, if and to the extent that such waiver
or permission is effective as to them. Nothing contained in Section 10.06 shall
be deemed to relieve either party of any duty imposed elsewhere in this Lease to
repair, restore or rebuild or to nullify any abatement of rents provided for
elsewhere in this Lease. Except as otherwise provided in Section 10.04, nothing
contained in Sections 10.05 and 10.06 shall be deemed to impose upon either
party any duty to procure or maintain any of the kinds of insurance referred to
therein or any particular amounts or limits of any such kinds of insurance.
However, each party shall advise the other, upon request, from time to time (but
not more often than once a year) of all of the policies of insurance it is
carrying of any of the kinds referred to in Sections 10.01 and 10.04, and if it
shall discontinue any such policy or allow it to lapse, shall notify the other
party thereof with reasonable promptness. The insurance policies referred to in
Sections 10.05 and 10.06 shall be deemed to include policies procured and
maintained by a party for the benefit of its lessor, mortgagee, or pledgee.

                                   ARTICLE 11

                              RULES AND REGULATIONS

            11 .01. Tenant and its employees and agent shall faithfully observe
and comply with the Rules and Regulations annexed hereto as Exhibit E, and such
reasonable changes therein (whether by modification, elimination, or addition)
as Landlord at any time or times hereafter may make and communicate in writing
to Tenant, which do not unreasonably affect the conduct of Tenant's business in
the Demised Premises; provided, however, that in case of any conflict or
inconsistency between the provisions of this Lease and any of the Rules and
Regulations as originally promulgated or as changed, the provisions of this
Lease shall control.

            11.02. Nothing contained in this Lease shall be construed to impose
upon Landlord any duty or obligation to Tenant to enforce the Rules and
Regulations or the terms, covenants, or conditions in any other lease, as
against any other tenant and Landlord shall not be liable to Tenant for
violation of the same by any other tenant or its employees, agents or visitors.
However, Landlord shall not enforce any of the Rules and Regulations in such
manner as to discriminate against Tenant or anyone claiming under or through
Tenant.

                                   ARTICLE 12

                                TENANT'S CHANGES

            12.01. Tenant shall make no changes, alterations, additions,
installations, substitutions, or improvements (hereinafter Collectively called
"changes", and, as applied to changes Provided for in this Article, "Tenant's
Changes") in and to the Demised Premises without

                                       15
<PAGE>

the express prior written consent of Landlord, which consent shall not be
unreasonably withheld or delayed provided the Tenant is not in default of this
Lease.

            All proposed Tenant's Changes shall be submitted to Landlord for
written consent at least sixty (60) days prior to the date Tenant intends to
commence such changes, such submission to include all plans and specifications
for the work to be done, proposed scheduling, and the estimated cost of
completion of Tenant's Changes. If Landlord consents to Tenant's Changes, Tenant
may commence and diligently prosecute to completion Tenant's Changes, under the
direct supervision of Landlord. Upon request by Tenant, at the time Landlord
gives its consent to the Tenant Changes, Landlord shall provide Tenant with the
estimated cost of the supervision fee as set forth below.

            Tenant shall pay to Landlord a supervision fee (which shall include
the cost of review of the proposed Tenant's Changes) equal to the lesser of the
actual cost of the supervision or ten percent (10%) of the certified cost of
completion of Tenant's Changes. Prior to the commencement of Tenant's Changes,
Tenant shall pay to Landlord ten percent (10%) of the estimated cost of
completion (the "Estimated Payment") as additional rent. Within fifteen (15)
days after completion of Tenant's Changes, Tenant shall furnish Landlord with a
statement, certified by an officer or a principal of Tenant to be accurate and
true, of the total cost of completion of Tenant's Changes (the "Total Cost"). If
such certified statement furnished by Tenant shall indicate that the Estimated
Payment exceeded the lesser of the actual cost of the supervision or ten percent
(10%) of the Total Cost, Landlord shall forthwith either (i) pay the amount of
excess directly to Tenant concurrently with the delivery of the certified
statement or (ii) permit Tenant to credit the amount of such excess against the
subsequent payment of rent due hereunder. If such certified statement furnished
by Tenant shall indicate that the lesser of the actual cost of the supervision
or ten percent (10%) of the Total Cost exceeded Tenant's Estimated Payment,
Tenant shall, simultaneously with the delivery to Landlord of the certified
statement, pay the amount of such excess to Landlord as additional rent. Tenant
shall not be obligated to pay Landlord a supervision fee if Landlord, or one of
its affiliates, is the contractor for the Tenant Changes (any supervision fees
shall be included in the price of the work).

            12.02. Notwithstanding the provisions of Section 12.01, all proposed
Tenant's Changes which shall affect or alter:

                  (a) The outside appearance or the strength of the Building or
of any of its structural parts; or

                  (b) Any part of the Building outside of the Demised Premises;
or

                  (c) The mechanical, electrical, sanitary and other service
systems of the Building, or increase the usage of such systems;

shall be performed only by the Landlord, at a cost to be mutually agreed upon
between Landlord and Tenant.

                                       16
<PAGE>

            12.03. Tenant, at its expense, shall obtain all necessary
governmental permits and certificates for the commencement and prosecution of
Tenant's Changes and for final approval thereof upon completion, and shall cause
Tenant's Changes to be performed in compliance therewith and with all applicable
laws and requirements of public authorities, and with all applicable
requirements of insurance bodies, and in good and workmanlike manner, using
materials and equipment at least equal in quality and class to the original
installations in the Building. Tenant's Changes shall be performed in such
manner as not to unreasonably interfere with or delay and (unless Tenant shall
indemnify Landlord therefor to the latter's reasonable satisfaction) as not to
impose any additional expense upon Landlord in the construction, maintenance or
operation of the Building. Throughout the performance of Tenant's Changes,
Tenant, at its expense, shall carry, or cause to be carried, workmen's
compensation insurance in statutory limits and general liability insurance for
any occurrence in or about the Building, in which Landlord and its agents shall
be named as parties insured in such limits as Landlord may reasonably prescribe,
with insurers reasonably satisfactory to Landlord. Tenant shall furnish Landlord
with reasonably satisfactory evidence that such insurance is in effect at or
before the commencement of Tenant's Changes and, on request, at reasonable
intervals thereafter during the continuance of Tenant's Changes. If any of
Tenant's Changes shall involve the removal of any fixtures, equipment or other
property in the Demised Premises which are not Tenant's Property (as defined in
Article 13), such fixtures, equipment or other property shall be promptly
replaced, at Tenant's expense, with new fixtures, equipment or other property
(as the case may be) of like utility and at least equal value. In addition,
unless Landlord shall otherwise expressly consent in writing, the Tenant shall
deliver such removed fixtures to Landlord.

            12.04. Tenant, at its expense, and with diligence and dispatch,
shall procure the cancellation or discharge of all notices of violation arising
from or otherwise connected with Tenant's Changes which shall be issued by any
public authority having or asserting jurisdiction. Tenant shall defend,
indemnify and save harmless Landlord against any and all mechanic's and other
liens filed in connection with Tenant's Changes, including the liens of any
security interest in, conditional sales of or chattel mortgages upon, any
material, fixtures or articles so installed in and constituting part of the
Demised Premises and, against all costs, expenses and liabilities incurred in
connection with any such lien, security interest, conditional sale or chattel
mortgage or any action or proceeding brought thereon. Tenant, at its expense,
shall procure the satisfaction or discharge of all such liens within fifteen
(15) days after Landlord makes written demand therefor. However, nothing herein
contained shall prevent Tenant from contesting, in good faith and at its own
expense, any such notice of violation, provided that Tenant shall comply with
the provisions of Section 9.02.

            12.05. Tenant agrees that the exercise of its rights pursuant to the
provisions of this Article 12 shall not be done in a manner which would create
any work stoppage, picketing, labor disruption or dispute or violate Landlord's
union contracts affecting the Land and Building, nor interference with the
business of Landlord or any tenant or occupant of the Building.

            12.06. If Landlord requires restoration of all or any part of
Tenant's Changes, Landlord shall advise Tenant of such restoration requirement
at the time Landlord gives its consent to any Tenant Changes. If Landlord fails
to require restoration at the time it gives such consent, then restoration shall
not otherwise be required with respect to such Tenant's Changes.

                                       17
<PAGE>

                                   ARTICLE 13

                                TENANT'S PROPERTY

            13.01. All fixtures, equipment, improvements, and appurtenances
attached to or built into the Demised Premises at the commencement of or during
the term of this Lease, whether or not by or at the expense of Tenant, shall be
and remain a part of the Demised Premises, shall be deemed the property of
Landlord and shall not be removed by Tenant, except as hereinafter in this
Article expressly provided.

            13.02. All business and trade fixtures, machinery and equipment,
communications equipment and office equipment, whether or not attached to or
built into the Demised Premises, which are installed in the Demised Premises by
or for the account of Tenant, without expense to Landlord, and can be removed
without permanent structural damage to the Building, and all furniture,
furnishings and other articles of movable personal property owned by Tenant and
located in the Demised Premises (all of which are sometimes called "Tenant's
Property"), shall be and shall remain the property of Tenant and may be removed
by it at any time during the term of this Lease; provided that if any of
Tenant's Property is removed, Tenant shall repair or pay the cost of repairing
any damage to the Demised Premises or to the Building resulting from such
removal. Any equipment or other property for which Landlord shall have granted
any allowance or credit to Tenant shall not be deemed to have been installed by
or for the account of Tenant, without expense to Landlord, and shall not be
considered Tenant's Property.

            13.03. At or before the Expiration Date, or the date of an earlier
termination of this Lease, or as promptly as practicable after such an earlier
termination date, Tenant at its expense, shall remove from the Demised Premises
all of Tenant's Property except such items thereof as Tenant shall have
expressly agreed in writing with Landlord were to remain and to become the
property of Landlord, and, if requested by Landlord, all items of work done by
or on behalf of Tenant, in accordance with Article 12, after the Commencement
Date shall be removed by Tenant and Tenant shall repair any damage to the
Demised Premises or the Building resulting from such removal. If Tenant fails to
remove its Property and/or otherwise fails to perform any restoration required
of it under this Lease, then Tenant shall be deemed a hold-over Tenant as
contemplated in Article 40. Ninety (90) days prior to the Expiration Date of
this Lease, at the request of Tenant, Landlord shall walk through the Demised
Premises with Tenant and create a punchlist of all restoration which shall be
required to be completed by Tenant by the Expiration Date. Thereafter, Tenant
may request a written estimate from Landlord for the cost of all restoration
required pursuant to this Lease. Failure by Landlord and Tenant to walk through
the Demised Premises or failure by Landlord to provide an estimate of the cost
of the restoration required as set forth above shall not relieve Tenant of any
restoration obligations otherwise required pursuant to this Lease. In lieu of
restoring the Demised Premises as required pursuant to this Lease, Tenant may,
at its option, pay Landlord, prior to the Expiration Date of the Lease, the cost
of such restoration as set forth in Landlord's estimate. Landlord and Tenant
acknowledge that Landlord, prior to the Expiration Date, will notify Tenant of
its restoration obligations and, as a result, notwithstanding the ninety (90)
day time period set forth above, it shall be Tenant's obligation to ensure that
Tenant has enough time after the Landlord and Tenant walk through the

                                       18
<PAGE>

Demised Premises, if Tenant will be performing such restoration prior to the
Expiration Date of the Lease. If Tenant fails remove its Property and/or fails
to perform any restoration required of it under this Lease and/or fails to pay
Landlord for the cost of any restoration required on or before the last day of
the term of this Lease or upon any earlier termination, Tenant shall be deemed a
hold-over Tenant under Article 40 of this Lease until such time as Tenant has
completed such restoration.

            13.04. Any other items of Tenant's Property (except money,
securities, and other like valuables) which shall remain in the Demised Premises
after the Expiration Date or after a period of fifteen (15) days following an
earlier termination date, may, at the option of the Landlord, be deemed to have
been abandoned, and in such case either may be retained by Landlord as its
property or may be disposed of without accountability, in such manner as
Landlord may see fit, at Tenant's expense.

                                   ARTICLE 14

                             REPAIRS AND MAINTENANCE

            14.01. Tenant shall take good care of the Demised Premises. Tenant,
at its expense, shall promptly make all repairs, ordinary or extraordinary,
interior or exterior, structural or otherwise in and about the Demised Premises
and the Building, as shall be required by reason of (i) the performance of
Tenant's Finish Work or Tenant's Changes; (ii) the installation, use or
operation of Tenant's Property in the Demised Premises by Tenant, its agents or
employees; (iii) the moving of Tenant's Property in or out of the Building; or
(iv) the misuse or neglect of Tenant or any of its employees, agents,
contractors or invitees; but Tenant shall not be responsible, and Landlord shall
be responsible, for any of such repairs as are required by reason of Landlord's
neglect or other fault in the manner of performing any of Tenant's Finish Work
or Tenant's Changes which may be undertaken by Landlord for Tenant's account or
are otherwise required by reason of neglect or other fault of Landlord or its
employees, agents, or contractors. Except if required by the neglect or other
fault of Landlord or its employees, agents, or contractors or as a result of
reasonable wear and tear, Tenant, at its expense, shall replace all damaged or
broken doors or other glass in or about the Demised Premises and shall be
responsible for all repairs, maintenance, and replacement of wall and floor
coverings in the Demised Premises and, for the repair and maintenance of all
lighting fixtures therein.

            14.02. Landlord, subject to the provisions of Section 5.04, shall
keep and maintain the Building and its fixtures, appurtenances, systems and
facilities serving the Demised Premises, in good working order, condition, and
repair and shall make with all due diligence all repairs, structural and
otherwise, interior and exterior, as and when needed in or about the Demised
Premises, except for those repairs for which Tenant is responsible pursuant to
any other provisions of this Lease.

            14.03. Landlord shall have no liability to Tenant by reason of any
inconvenience, annoyance, interruption, or injury to Tenant's business arising
from Landlord's making any repairs or changes which Landlord is required or
permitted by this Lease or required by law, to make in or to any portion of the
Building or the Demised Premises, or in or to the fixtures, equipment of

                                       19
<PAGE>

appurtenances of the Building or the Demised Premises, unless Landlord or any of
its employees, agents or contractors was negligent in making such repairs or
changes and provided that Landlord shall use due diligence with respect thereto
and shall perform such work, except in case of emergency, at a time reasonably
convenient to Tenant and otherwise in such a manner as will not materially
interfere with Tenant's use of the Demised Premises.

                                   ARTICLE 15

                                   ELECTRICITY

            15.01. Landlord shall furnish the electric energy that Tenant shall
require in the Demised Premises. Tenant shall pay to Landlord, as additional
rent, the costs and charges for all electric energy furnished to Tenant at the
Demised Premises. Additional rent for such electric energy shall be calculated
and payable in the manner hereinafter set forth.

            15.02. Within a reasonable time after the commencement of the term
of this Lease, subsequent to Tenant's having taken occupancy of the Demised
Premises and having installed and commenced the use of Tenant's electrical
equipment, Landlord, at Tenant's sole expense, shall cause a survey to be made
by a reputable independent electrical engineer or similar agency of the
estimated use of electric energy (other than for Building standard heat and air
conditioning as described in Exhibit C) to the Demised Premises, and shall
compute the cost thereof for the quantity so determined at prevailing retail
rates. Tenant shall pay Landlord the cost of such electric energy, as so
calculated, on a monthly basis, as additional rent, together with its payment of
fixed rent.

            Until such time as Landlord shall complete the aforedescribed
survey, Tenant shall pay to Landlord, each and every month, as additional rent,
for and on account of Tenant's electrical consumption, the sum of $625.21 to be
applied against Tenant's obligations hereunder. Upon completion of the survey,
there shall be an adjustment for the period from the Commencement Date through
the date that the results of the survey shall be effectuated as shall be
required. Landlord shall have the right, at any time, during the term of this
Lease, to cause the Demised Premises to be resurveyed. In the event that such
resurvey shall indicate increased electrical consumption by Tenant at the
Demised Premises, there shall be an adjustment in the amount paid by Tenant to
Landlord for Tenant's electrical consumption in accordance with the resurvey as
well as an adjustment retroactive to the date Landlord establishes Tenant's
increase in electrical consumption in excess of the consumption established by
the prior survey.

                  Landlord shall submit to Tenant the results of any electrical
survey and the same shall be deemed binding upon Tenant unless Tenant shall
object to same within ninety (90) days of the date that Landlord shall furnish
Tenant with the results of the survey. In the event that Landlord and Tenant
cannot agree upon the results of a survey the same shall be submitted to
arbitration in accordance with Article 33, provided, however, until such time as
the arbitration shall have been concluded, the results of Landlord's survey
shall be utilized for the purposes of determining Tenant's electrical
consumption with an appropriate adjustment to be made based upon the results of
the arbitration.

                                       20
<PAGE>

            15.03. Landlord shall not be liable in any way to Tenant for any
failure or defect in the supply or character of electric energy furnished to the
Demised Premises by reason of any requirement, act, or omission of the public
utility serving the Building with electricity or for any other reason not
attributable to Landlord's negligence or willful misconduct. Landlord shall
furnish and install all replacement lighting tubes, lamps, bulbs, and ballasts
required in the Demised Premises at Tenant's expense.

            15.04. Tenant's use of electric energy in the Demised Premises shall
not at any time exceed the capacity of any of the electrical conductors and
equipment in or otherwise serving the Demised Premises. In order to insure that
such capacity is not exceeded and to avert possible adverse effect upon the
Building electric service, Tenant shall not, without Landlord's prior written
consent in each instance (which shall not be unreasonably withheld), connect any
additional fixtures, appliances, or equipment which would materially affect the
electrical capacity of the Demised Premises, to the Building electrical
distribution system or make any alteration or addition to the electric system of
the Demised Premises existing on the Commencement Date. Should Landlord grant
such consent, all additional risers, HVAC equipment or other electrical
equipment required therefor shall be provided by Landlord and the cost of
installation and maintenance thereof shall be paid by Tenant upon Landlord's
demand. As a condition to granting such consent, Landlord, at Tenant's sole
expense, may cause a new survey to be made of the use of electric energy (other
than for Building standard heating and air-conditioning as described in Exhibit
C) in order to calculate the potential additional electric energy to be made
available to Tenant based upon the estimated additional capacity of such
additional risers or other equipment. When the amount of such increase is so
determined, and the estimated cost thereof is calculated, the amount of monthly
additional rent payable pursuant to Section 15.02 hereof shall be adjusted to
reflect the additional cost, and shall be payable as therein provided.

            15.05. If the public utility rate schedule for the supply of
electric current to the Building shall be increased during the term of this
Lease, the additional rent payable pursuant to Section .15.02 hereof shall be
equitably adjusted to reflect the resulting increase in Landlord's cost of
furnishing electric service to the Demised Premises effective as of the date of
any increase. Landlord and Tenant agree that the rate charged to Tenant for
electricity shall not be greater than the rate Tenant would have paid had the
Demised Premises been separately metered.

            15.06. Tenant agrees within three (3) months from the Commencement
Date to submit to Landlord a list of fixtures and equipment utilizing electric
current including, but not limited to, copying machines, computers and word
processing equipment and equipment of a similar nature. On the first day of each
calendar year thereafter, Tenant shall submit to Landlord a statement indicating
any substantial changes in the list previously supplied as same may be updated
by the required annual statements.

                                   ARTICLE 16

                    HEATING, VENTILATION AND AIR-CONDITIONING

            16.01. Landlord, subject to the provisions of Section 5.04, shall
maintain and operate the heating, ventilating, and air-conditioning systems
(hereinafter called "the systems")

                                       21
<PAGE>

and shall furnish heat, ventilating, and air conditioning (hereinafter
collectively called "air conditioning service") in the Demised Premises through
the systems, in compliance with the performance specifications set forth in
Exhibit C, as may be required for comfortable occupancy of the Demised Premises
from 8:00 A.M. to 6:00 P.M. Monday through Friday except days observed by the
Federal or the state government as legal holidays ("Regular Hours") throughout
the year. If Tenant shall require air-conditioning service at any other time
(hereinafter called "after hours"), Landlord shall furnish such after hours
air-conditioning service upon reasonable advance notice from Tenant, and Tenant
shall pay Landlord's then established charges therefor on Landlord's demand.

            16.02. Use of the Demised Premises, or any part thereof in a manner
exceeding the design conditions (including occupancy and connected electrical
load) specified in Exhibit C for air-conditioning service in the Demised
Premises, or rearrangement of partitioning which interferes with normal
operation of the air-conditioning in the Demised Premises, may require changes
in the air-conditioning system servicing the Demised Premises. Such changes, so
occasioned, shall be made by Landlord, at Tenant's expense, as Tenant's Changes
pursuant to Article 12.

                                   ARTICLE 17

                            LANDLORD'S OTHER SERVICES

            17.01. Landlord, subject to the provisions of Section 5.04, shall
provide public elevator service, passenger and service, by elevators serving the
floor on which the Demised Premises are situated during Regular Hours, and shall
have at least one passenger elevator subject to call at all other times.

            17.02. Landlord, subject to the provisions of Section 5.04, shall
cause the Demised Premises, including the exterior and the interior of the
windows thereof to be cleaned. Tenant shall pay to Landlord on demand the costs
incurred by Landlord for (a) extra cleaning work in the Demised Premises
required because of (i) misuse or neglect on the part of Tenant or its employees
or visitors; (ii) use of portions of the Demised Premises for preparation,
serving or consumption of food or beverages, data processing, or reproducing
operations, private lavatories or toilets or other special purpose areas
requiring greater or more difficult cleaning work than office areas; (iii)
unusual quantity of interior glass surfaces; (iv) non-building standard
materials or finishes installed by Tenant or at its request; and (b) removal
from the Demised Premises and the Building of so much of any refuse and rubbish
of Tenant as shall exceed that ordinarily accumulated daily in the routine of
business office occupancy. Landlord, its cleaning contractor, and their
employees shall have after-hours access to the Demised Premises and the free use
of light, power, and water in the Demised Premises as reasonably required for
the purpose of cleaning the Demised Premises in accordance with Landlord's
obligations hereunder.

            17.03. Landlord, subject to the provisions of Section 5.04, shall
furnish adequate hot and cold water to each floor of the Building for drinking,
lavatory, and cleaning purposes, together with soap, towels, and toilet tissue
for each lavatory. If Tenant uses water for any other purpose, Landlord, at
Tenant's expense, shall install meters to measure Tenant's consumption of

                                       22
<PAGE>

cold water and/or hot water for such other purposes and/or steam, as the case
may be. Tenant shall pay for the quantities of cold water and hot water shown on
such meters, at Landlord's cost thereof on the rendition of Landlord's bills
therefor,

            17.04. Landlord, at its expense, and at Tenant's request, shall
insert initial listings on the Building directory of the names of Tenant, and
the names of any of their officers and employees, provided that the names so
listed shall not take up more than Tenant's proportionate share of the space on
the Building directory. All Building directory changes made at Tenant's request
after the Tenant's initial listings have been placed on the Building directory
shall be made by Landlord at the expense of Tenant, and Tenant agrees to
promptly pay to Landlord as additional rent the cost of such changes within ten
(10) days after Landlord has submitted an invoice therefor.

            17.05. Landlord reserves the right, without any liability to Tenant,
to stop service of any of the heating, ventilating, air conditioning, electric,
sanitary, elevator, or other Building systems serving the Demised Premises, or
the rendition of any of the other services required of Landlord under this
Lease, whenever and for so long as may be necessary, by reason of accidents,
emergencies, strikes, or the making of repairs or changes which Landlord is
required by this Lease or by law to make or in good faith deems necessary, by
reason of difficulty in securing proper supplies of fuel, steam, water,
electricity, labor or supplies, or by reason of any other cause beyond
Landlord's reasonable control.

            17.06. Landlord shall make available for Tenant's use Tenant's
Proportionate Share of parking spaces in common with other tenants of the
Building in the parking area adjacent to the Building.

            17.07. The Building and the Demised Premises shall be cleaned in
accordance with the Cleaning and Maintenance Schedule set forth on Exhibit D
annexed hereto and made a part hereof.

            17.08. Tenant acknowledges that as part of the consideration for
this Lease, and in order not to interfere with the rights of other tenants or
other tenants' quiet enjoyment of the common areas of the Building and otherwise
prevent Landlord from performing its services without causing increases to the
cost of such services, Tenant agrees that it shall not permit its employees to
congregate in hallways or elevators, shall not permit its employees to create an
unsightly condition in or about any passageway from the Building or the common
areas or to the parking lot/deck, with regard to smoking, including the disposal
of cigarettes, in the courtyard and/or outer areas adjacent to the Building and
will otherwise require its employees to act and conduct themselves in the common
areas in such a manner as will not disturb other tenants or the use and
enjoyment by other tenants of the Building.

                                       23
<PAGE>

                                   ARTICLE 18

                  ACCESS, CHANGES IN BUILDING FACILITIES, NAME

            18.01. All walls, windows, and doors bounding the Demised Premises
(including exterior Building walls, core corridor walls and doors, and any core
corridor entrance), except the inside surfaces thereof, any terraces or roofs
adjacent to the Demised Premises, and any space in or adjacent to the Demised
Premises used for shafts, stacks, pipes, conduits, fan room, ducts, electric or
other utilities, sinks or other Building facilities, and the use thereof as well
as access thereto through the Demised Premises for the purposes of operation,
maintenance, decoration, and repair are reserved to Landlord.

            18.02. Tenant shall permit Landlord to install, use, and maintain
pipes, ducts, and conduits within the demising walls, bearing columns, and
ceilings of the Demised Premises.

            18.03. Landlord or Landlord's agent shall have the right upon
request (except in emergency under clause (ii) hereof) to enter and/or pass
through the Demised Premises or any part thereof at reasonable times during
reasonable hours, (i) to examine the Demised Premises and to show them to the
fee owners, lessors of superior leases, holders of superior mortgages, or
prospective purchasers, mortgagees, or lessees of the Building as an entirety;
and (ii) for the purpose of making such repairs or changes or doing such
repainting in or to the Demised Premises or its facilities, as may be provided
for by this Lease or as may be mutually agreed upon by the parties or as
Landlord may be required to make by law or in order to repair and maintain said
structure or its fixtures or facilities. Landlord shall be allowed to take all
materials into and upon the Demised Premises that may be required for such
repairs, changes, repainting, or maintenance, without liability to Tenant but
Landlord shall not unreasonably interfere with Tenant's use of the Demised
Premises. Landlord shall also have the right to enter on and/or pass through the
Demised Premises, or any part thereof, at such times as such entry shall be
required by circumstances of emergency affecting the Demised Premises or the
Building.

            18.04. During the period of six (6) months prior to the Expiration
Date, Landlord may exhibit the Demised Premises to prospective tenants. Landlord
shall provide Tenant with reasonable prior verbal notice of its intent to
exhibit the Demised Premises.

            18.05. Landlord reserves the right, at any time after completion of
the Building, without incurring any liability to Tenant therefor, to make such
changes in or to the Building and the fixtures and equipment thereof as well as
in or to the street entrances, halls, passages, elevators, escalators, and
stairways thereof as it may deem necessary or desirable, provided, however, that
such changes shall not reduce the size of the Demised Premises or unreasonably
interfere with Tenant's use of the Demised Premises.

            18.06. Landlord may adopt any name for the Building. Landlord
reserves the right to change the name or address of the Building at any time.

                                       24
<PAGE>

                                   ARTICLE 19

                               NOTICE OF ACCIDENTS

            19.01. Tenant shall give notice to Landlord, promptly after Tenant
learns thereof, of (i) any accident in or about the Demised Premises for which
Landlord might be liable; (ii) all fires in the Demised Premises; (iii) all
damage to or defects in the Demised Premises, including the fixtures, equipment,
and appurtenances thereof for the repair of which Landlord might be responsible;
and (iv) all damage to or defects in any parts or appurtenances of the
Building's sanitary, electrical, heating, ventilating, air-conditioning,
elevator, and other systems located in or passing through the Demised Premises
or any part thereof.

                                   ARTICLE 20

                        NON-LIABILITY AND INDEMNIFICATION

            20.01. Neither Landlord nor any agent or employee of Landlord shall
be liable to Tenant for any injury or damage to Tenant or to any other person or
for any damage to, or loss (by theft or otherwise) of any property of Tenant or
of any other person, irrespective of the cause of such injury, damage, or loss,
unless caused by or due to the negligence of Landlord, its agents, or employees
without contributory negligence on the part of Tenant.

            20.02. Tenant shall indemnify and save harmless Landlord and its
agents against and from (a) any and all claims (i) arising from (x) the conduct
or management of the Demised Premises or of any business therein, or (y) any
work or thing whatsoever done, or any condition created (other than by Landlord
for Landlord's or Tenant's account) in or about the Demised Premises during the
term of this Lease or during the period of time, if any, prior to the
Commencement Date that Tenant may have been given access to the Demised
Premises, or (ii) arising from any negligent or otherwise wrongful act or
omission of Tenant or any of its subtenants, invitees or licensees or its or
their employees, agents, or contractors, and (b) all costs, expenses, and
liabilities incurred in or in connection with each such claim or action or
proceeding brought thereon. In case any action or proceeding be brought against
Landlord by reason of any such claim, Tenant, upon notice from Landlord, shall
resist and defend such action or proceeding.

            20.03. Except as otherwise expressly provided in this Lease, this
Lease and the obligations of Tenant hereunder shall be in no way affected,
impaired or excused because Landlord is unable to fulfill, or is delayed in
fulfilling, any of its obligations under this Lease by reason of strike, other
labor trouble, governmental pre-emption or priorities or other controls in
connection with a national or other public emergency or shortages of fuel
supplies or labor resulting therefrom, or other like cause beyond Landlord's
reasonable control.

            20.04. Landlord shall indemnify and save harmless Tenant and its
agents against and from (a) any and all claims (i) arising from (x) the conduct
or management of the Building or of any business therein, or (y) any work or
thing whatsoever done, or any condition created (other than by Tenant for
Landlord's or Tenant's account) in or about the Building or the Demised Premises
during the term of this Lease or during the period of time, if any, prior to the

                                       25
<PAGE>

Commencement Date, or (ii) arising from any negligent or otherwise wrongful act
or omission of Landlord or any of its subtenants, invitees or licensees or its
or their employees, agents, or contractors, and (b) all costs, expenses, and
liabilities incurred in or in connection with each such claim or action or
proceeding brought thereon. In case any action or proceeding be brought against
Tenant by reason of any such claim, Landlord, upon notice from Tenant, shall
resist and defend such action or proceeding.

                                   ARTICLE 21

                              DESTRUCTION OR DAMAGE

            21.01. If the Building or the Demised Premises shall be partially or
totally damaged or destroyed by fire or other cause, then whether or not the
damage or destruction shall have resulted from the fault or neglect of Tenant,
or its employees, agents or visitors (and if this Lease shall not have been
terminated as in this Article hereinafter provided), Landlord shall repair the
damage and restore and rebuild the Building and/or the Demised Premises to
substantially the condition thereof at the time of such damage, at its expense,
with reasonable dispatch after notice to it of the damage or destruction;
provided, however, that Landlord shall not be required to repair or replace any
of the Tenant's Property. Any restoration of the Building or the Demised
Premises shall be altered to the extent necessary to comply with current laws
and applicable codes.

            21.02. If the Building or the Demised Premises shall be partially
damaged or partially destroyed by fire or other cause not attributable to the
fault or negligence of Tenant, its agents, or employees, the rents payable
hereunder shall be abated to the extent that the Demised Premises shall have
been rendered untenantable and for the period from the date of such damage or
destruction to the date the damage shall be repaired or restored; provided,
however, if the damage shall be attributable to the fault or negligence of
Tenant, its agents or employees, then rent shall continue but shall be reduced
by any amounts received by Landlord pursuant to Landlord's coverage for business
interruption and/or rent insurance attributable to the Demised Premises. If the
Demised Premises or a major part thereof shall be totally (which shall be deemed
to include substantially totally) damaged or destroyed or rendered completely
(which shall be deemed to include substantially completely) untenantable on
account of fire or other cause, the rents shall abate as of the date of the
damage or destruction and until Landlord shall repair, restore, and rebuild the
Building and the Demised Premises, provided, however, that should Tenant
reoccupy a portion of the Demised Premises during the period of restoration work
is taking place and prior to the date that the same are made completely
tenantable, rents allocable to such portion shall be payable by Tenant from the
date of such occupancy.

            21.03. If the Building or the Demised Premises shall be totally
damaged or destroyed by fire or other cause, or if the Building shall be so
damaged or destroyed by fire or other cause (whether or not the Demised Premises
are damaged or destroyed) as to require a reasonably estimated expenditure of
more than twenty-five percent (25%) of the full insurable value of the Building
immediately prior to the casualty then in either such case Landlord may
terminate this Lease by giving Tenant notice to such effect within ninety (90)
days after the date of the casualty. If the Building or the Demised Premises
shall be destroyed by fire or other

                                       26
<PAGE>

casualty so as to render the Demised Premises unusable by Tenant, Landlord shall
deliver to Tenant, as soon as feasible, a written estimate from Landlord's
contractor of the time within which substantial restoration of the Demised
Premises (i.e., substantial completion of the Demised Premises or the portions
thereof in which Landlord has an insurable interest) will occur. If said
contractor reasonably estimates the time as more than six (6) months from the
date Landlord receives all permits necessary to restore the Demised Premises,
Tenant shall have the right to terminate this Lease by written notice to
Landlord within thirty (30) days of Tenant's receipt of the contractor's written
statement otherwise this Lease will remain in full force and effect unless
Landlord elects to demolish the Building. In case of any damage or destruction
mentioned in this Article, Tenant may terminate the Lease by notice to Landlord,
if Landlord has not completed the making of the required repairs and restored
and rebuilt the Building and the Demised Premises within eight (8) months from
the date of such damage or destruction, or within such period after such date
(not exceeding three (3) months) as shall equal the aggregate period Landlord
may have been delayed in doing so by adjustment of insurance, labor trouble,
governmental controls, act of God, or any other cause beyond Landlord's
reasonable control.

            21.04. No damages, compensation, or claim shall be payable by
Landlord for inconvenience, loss of business, or annoyance arising from any
repair or restoration of any portion of the Demised Premises or of the Building
pursuant to this Article. Landlord shall use its best efforts to effect such
repair or restoration promptly and in such manner as not unreasonably to
interfere with Tenant's use and occupancy during such time that Tenant is able
to use the Demised Premises during Landlord's restoration.

            21.05. Notwithstanding any of the foregoing provisions of this
Article, if Landlord or the lessor of any superior lease or the holder of any
superior mortgage shall be unable to collect all of the insurance proceeds
(including rent insurance proceeds) applicable to damage or destruction of the
Demised Premises or the Building by fire or other cause, by reason of some
action or inaction on the part of Tenant or any of its employees, agents or
contractors in connection with the processing of any claim, then, without
prejudice to any other remedies which may be available against Tenant, there
shall be no abatement of Tenant's rents.

            21.06. Landlord will not carry insurance of any kind on Tenant's
Property, and, except as provided by law or by reason of its fault or its breach
of any of its obligations hereunder, shall not be obligated to repair any damage
thereto or replace the same; to the extent that Tenant shall maintain insurance
on Tenant's Property, Landlord shall not be obligated to repair any damage
thereto or replace the same.

            21.07. The provisions of this Article shall be considered an express
agreement governing any case of damage or destruction of the Demised Premises by
fire or other casualty, and any law of the State of New Jersey providing for
such a contingency in the absence of an express agreement, and any other law of
like import, now of hereafter in force, shall have no application in such case.

            21.08. If the Demised Premises and/or access thereto become
partially or totally damaged or destroyed by any casualty not insured against,
then Landlord shall have the right to terminate this Lease upon giving the
Tenant thirty (30) days notice and upon the expiration of said

                                       27
<PAGE>

thirty (30) day notice period this Lease shall terminate as if such termination
date were the Expiration Date.

                                   ARTICLE 22

                                 EMINENT DOMAIN

            22.01. If the whole of the Building shall be lawfully taken by
condemnation or in any other manner for any public or quasi-public use of
purpose, this Lease and the term and estate hereby granted shall forthwith
terminate as of the date of vesting of title on such taking (which date is
herein after also referred to as the "date of the taking"), and the rents shall
be prorated and adjusted as of such date.

            22.02. If any part of the Building shall be so taken, this Lease
shall be unaffected by such taking, except that Tenant may elect to terminate
this Lease in the event of a partial taking, if the area of the Demised Premises
shall not be reasonably sufficient for Tenant to continue feasible operation of
its business. Tenant shall give notice of such election to Landlord not later
than thirty (30) days after the date of such taking. Upon the giving of such
notice to Landlord, this Lease shall terminate on the date of service of notice
and the rents apportioned to the part of the Demised Premises so taken shall be
prorated and adjusted as of the date of the taking and the rents apportioned to
the remainder of the Demised Premises shall be prorated and adjusted as of such
termination date. Upon such partial taking and this Lease continuing in force as
to any part of the Demised Premises, the rents apportioned to the part taken
shall be prorated and adjusted as of the date of taking and from such date the
fixed rent shall be reduced to the amount apportioned to the remainder of the
Demised Premises and additional rent shall be payable pursuant to Article 5
according to the rentable area remaining.

            22.03. Except as specifically set forth in Section 22.04. hereof,
Landlord shall be entitled to receive the entire award in any proceeding with
respect to any taking provided for in this Article without deduction therefrom
for any estate vested in Tenant by this Lease, and Tenant shall receive no part
of such award. Tenant hereby expressly assigns to Landlord all of its right,
title, and interest in or to every such award.

            22.04. If the temporary use or occupancy of all or any part of the
Demised Premises shall be lawfully taken by condemnation or in any other manner
for any public or quasi-public use or purpose during the term of this Lease,
Tenant shall be entitled, except as hereinafter set forth, to receive any award
which does not serve to diminish Landlord's award in any respect and, if so
awarded, for the taking of Tenant's Property and for moving expenses, and
Landlord shall be entitled to receive that portion which represents
reimbursement for the cost of restoration of the Demised Premises. This Lease
shall be and remain unaffected by such taking and Tenant shall remain
responsible for all of its obligations hereunder insofar as such obligations are
not affected by such taking and shall continue to pay in full the fixed rent and
additional rent when due. If the period of temporary use or occupancy of the
Demised Premises (or a part thereof) shall be divided between Landlord and
Tenant so that Tenant shall receive so much thereof as represents the period
prior to the Expiration Date and Landlord shall receive so much thereof as

                                       28
<PAGE>

represents the period subsequent to the Expiration Date. All moneys received by
Tenant as, or as part of, an award for temporary use and occupancy for a period
beyond the date to which the rents hereunder have been paid by Tenant shall be
received, held, and applied by Tenant as a trust fund for payment of the rents
falling due hereunder.

            22.05. In the event of any taking of less than the whole of the
Building which does not result in a termination of this Lease, or in the event
of a taking for a temporary use or occupancy of all or any part of the Demised
Premises which does not extend beyond the Expiration Date, Landlord, at its
expense, shall proceed with reasonable diligence to repair, alter, and restore
the remaining parts of the Building and the Demised Premises to substantially
their former condition to the extent that the same may be feasible and so as to
constitute a complete and tenantable Building and Demised Premises provided that
Landlord's liability under this Section 22.05 shall be limited to the net amount
(after deducting all costs and expenses, including, but not limited to, legal
expenses incurred in connection with the eminent domain proceeding) received by
Landlord as an award arising out of such taking. If such taking occurs within
the last three (3) years of the term of this Lease, Landlord shall have the
right to terminate this Lease by giving the Tenant written notice to such effect
within ninety (90) days after such taking, and this Lease shall then expire on
that effective date stated in the notice as if that were the Expiration Date,
but the fixed rent and the additional rent shall be prorated and adjusted as of
the date of such taking.

            22.06. Should any part of the Demised Premises be taken to effect
compliance with any law or requirement of public authority other than in the
manner hereinabove provided in this Article then, (i) if such compliance is the
obligation of Tenant under this Lease, Tenant shall not be entitled to any
diminution or abatement of rent or other compensation from Landlord therefor,
but (ii) if such compliance is the obligation of Landlord under this Lease, the
fixed rent hereunder shall be reduced and additional rents under Article 5 shall
be adjusted in the same manner as is provided in Section 22.02 according to the
reduction in rentable area of the Demised Premises resulting from such taking.

            22.07. Any dispute which may arise between the parties with respect
to the meaning or application of any of the provisions of this Article shall be
determined by arbitration in the manner provided in Article 33.

                                   ARTICLE 23

                                    SURRENDER

            23.01. On the last day of the term of this Lease, or upon any
earlier termination of this Lease, or upon any re-entry by Landlord upon the
Demised Premises pursuant to Article 25 herein, Tenant shall quit and surrender
the Demised Premises to Landlord in good order, condition, and repair, except
for ordinary wear and tear and damage by fire or casualty and such other damage
or destruction as Landlord is required to repair or restore under this Lease,
and Tenant shall remove all of Tenant's Property therefrom except as otherwise
expressly provided in this Lease. At the time of surrender, or earlier
termination of this Lease, the Demised Premises shall be in the same state as
existed as of the completion of Landlord's Work and the completion

                                       29
<PAGE>

of Tenant's Finish Work. Any Tenant Changes, alterations or improvements, all of
which must be done in accordance with Article 12 shall be removed, except as may
otherwise have been provided by Landlord at the time it exercised its consent in
connection with such Tenant Changes pursuant to Article 12. With respect to
Landlord's Work set forth in Exhibit C, after review and completion of the final
construction drawings, Landlord reserves the right to notify Tenant of any
restoration Tenant shall be responsible for upon the termination of this Lease.
If Tenant fails to perform any restoration required of it under this Lease on or
before the last day of the term of this Lease or upon any earlier termination,
Tenant shall be deemed a hold-over Tenant under Article 40 of this Lease until
such time as Tenant has completed such restoration. Ninety (90) days prior to
the Expiration Date of this Lease, at the request of Tenant, Landlord shall walk
through the Demised Premises with Tenant and create a punchlist of all
restoration which shall be required to be completed by Tenant by the Expiration
Date. Thereafter, Tenant may request a written estimate from Landlord for the
cost of all restoration required pursuant to this Lease. Failure by Landlord and
Tenant to walk through the Demised Premises or failure by Landlord to provide an
estimate of the cost of the restoration required as set forth above shall not
relieve Tenant of any restoration obligations otherwise required pursuant to
this Lease. In lieu of restoring the Demised Premises as required pursuant to
this Lease, Tenant may, at its option, pay Landlord, prior to the Expiration
Date of the Lease, the cost of such restoration as set forth in Landlord's
estimate. Landlord and Tenant acknowledge that Landlord, prior to the Expiration
Date, will notify Tenant of its restoration obligations and, as a result,
notwithstanding the ninety (90) day time period set forth above, it shall be
Tenant's obligation to ensure that Tenant has enough time after the Landlord and
Tenant walk through the Demised Premises, if Tenant will be performing such
restoration prior to the Expiration Date of the Lease. If Tenant fails remove
its Property and/or fails to perform any restoration required of it under this
Lease and/or fails to pay Landlord for the cost of any restoration required on
or before the last day of the term of this Lease or upon any earlier
termination, Tenant shall be deemed a hold-over Tenant under Article 40 of this
Lease until such time as Tenant has completed such restoration.

                                   ARTICLE 24

                            CONDITIONS OF LIMITATION

            24.01. This Lease and the term and estate hereby granted are subject
to the limitation that whenever Tenant shall make an assignment of the property
of Tenant for the benefit of creditors, or shall file a voluntary petition under
any bankruptcy or insolvency law, or an involuntary petition alleging an act of
bankruptcy or insolvency shall be filed against Tenant under any bankruptcy or
insolvency law, or whenever a petition shall be filed by or against Tenant under
the reorganization provisions of the United States Bankruptcy Act or under the
provisions of any law of like imports or whenever a petition shall be filed by
Tenant under the arrangement provisions of any law of like import, whenever a
permanent receiver of Tenant or of or for the property of Tenant shall be
appointed, then Landlord, (a) at any time of receipt of notice of the occurrence
of any such event, or (b) if such event occurs without the acquiescence of
Tenant, at any time after the event continues for thirty (30) days, Landlord may
give Tenant a notice of intention to end the term of this Lease at the
expiration of five (5) days from the date of service of such notice of
intention, and upon the expiration of said five (5) day period this Lease and
the term and estate hereby granted, whether or not the term shall theretofore
have commenced, shall

                                       30
<PAGE>

terminate with the same effect as if that day were the Expiration Date, but
Tenant shall remain liable for damages as provided in Article 26.

            24.02. This Lease and the term and estate hereby granted are subject
to the further limitation that:

                  (a) Whenever Tenant shall default in the payment of
installment of fixed rent, or in the payment of any additional rent or any other
charge payable by Tenant to Landlord, or any day upon which the same ought to be
paid, and such default shall continue for five (5) days after written notice
thereof; or

                  (b) Whenever Tenant shall do or permit anything to be done,
whether by action or inaction, contrary to any of Tenant's obligations
hereunder, and if such situation shall continue and shall not be remedied by
Tenant within thirty (30) days after Landlord shall have given to Tenant a
written notice specifying the same, or, in the case of a happening or default
which cannot with due diligence be cured within a period of thirty (30) days and
the continuance of which for the period required for cure will not subject
Landlord to risk of criminal liability or termination of any superior Lease or
foreclosure of any superior mortgage if Tenant shall not, (i) within said thirty
(30) day period advise Landlord of Tenant's intention to duly institute all
steps necessary to remedy such situation; (ii) duly institute within said thirty
(30) day period, and thereafter diligently prosecute to completion all steps
necessary to remedy the same; (iii) complete such remedy within such time after
the date of giving of said notice to Landlord as shall reasonably be necessary;
or

                  (c) Whenever any event shall occur or any contingency shall
arise whereby this Lease or the estate hereby granted or the unexpired balance
of the term hereof would, by operation of law or otherwise, devolve upon or pass
to any person, firm, or corporation other than Tenant, except as expressly
permitted by Article 8; or

                  (d) Whenever Tenant shall abandon the Demised Premises (unless
as a result of a casualty) and fail to pay rent, or

                  (e) If Tenant shall default in the timely payment of rent or
additional rent and any such default shall continue to be repeated for a total
of four (4) months in any period of twelve (12) months, then, notwithstanding
that such defaults shall have each been cured within the applicable period, any
similar default shall be deemed to be deliberate and Landlord may thereafter
serve a notice of termination upon Tenant without affording to Tenant
opportunity to cure such default;

then, and in any of the foregoing cases, this Lease and the term and estate
hereby granted, whether or not the term shall theretofore have commenced, shall,
if the Landlord so elects, terminate upon ten (10) days written notice by
Landlord to Tenant of Landlord's election to terminate the Lease and the term
hereof shall expire and come end on the date fixed in such notice, with the same
effect as if that day were the Expiration Date, but Tenant shall remain liable
for the rent and additional rent which subsequently accrues and for damages as
provided in Article 26.

                                       31
<PAGE>

                                   ARTICLE 25

                              RE-ENTRY BY LANDLORD

            25.01. If Tenant shall default in the payment of any installment of
fixed rent, or of any installment of additional rent, on any date upon which the
same ought to be paid and if such default shall continue for five (5) days after
written notice thereof, or if this Lease shall expire as provided in Article 24,
Landlord or Landlord's agents and employees may immediately or at any time
thereafter re-enter the Demised Premises, or any part thereof, in the name of
the whole, either by summary dispossess proceedings or by any suitable action or
proceeding at law, or by force or otherwise, without being liable to indictment,
prosecution or damages therefor, and may repossess the same, and may remove any
persons therefrom, to the end that Landlord may have, hold, and enjoy the
Demised Premises again as and of its first estate and interest therein. The word
"re-enter", as herein used, is not restricted to its technical legal meaning. In
the event of any termination of this Lease under the provisions of Article 24 or
if Landlord shall re-enter the Demised Premises under the provisions of this
Article or in the event of the termination of this Lease, or of re-entry, by or
under any summary dispossess or other proceeding or action or any provision of
law by reason of default hereunder on the part of Tenant, Tenant shall thereupon
pay to Landlord the fixed rent and additional rent payable by Tenant to Landlord
up to the time of such termination of this Lease, or of such recovery of
possession or the Demised Premises by Landlord, as the case may be, and shall
also pay to Landlord damages as provided in Article 26.

            25.02. In the event of a breach or threatened breach by Landlord or
Tenant of any of their respective obligations under this Lease, either Landlord
or Tenant, as the case may be, shall also have the right of injunction. The
special remedies hereunder are cumulative and are not intended to be exclusive
of any other remedies or means of redress to which the parties may lawfully be
entitled at any time.

            25.03. If this Lease shall terminate under the provisions of Article
24, or if Landlord shall re-enter the Demised Premises under the provisions of
this Article, or in the event of any termination of this Lease, or of re-entry,
by or under any summary dispossess or other proceeding or action or any
provision of law by reason of default hereunder on the part of Tenant, Landlord
shall be entitled to retain all moneys, if any, paid by Tenant to Landlord,
whether as advance rent, security, or otherwise, but such moneys shall be
credited by Landlord against any fixed rent or additional rent due from Tenant
at the time of such termination or re-entry or, at Landlord's option, against
any damages payable by Tenant under Article 26 or pursuant to law.

                                   ARTICLE 26

                                     DAMAGES

            26,01. If this Lease is terminated under the provisions of Article
24, or if Landlord shall re-enter the Demised Premises under the provisions of
Article 25, or in the event of the termination of this Lease, or of re-entry, by
or under any summary dispossess or other

                                       32
<PAGE>

proceeding or action of any provision of law by reason of default hereunder on
the part of Tenant, Tenant shall pay to Landlord as damages, at the election of
Landlord, either

                  (a) A sum which at the time of such termination of this Lease
or at the time of any such re-entry by Landlord, as the case may be, represents
the then value of the excess, if any, of (i) the aggregate of the fixed rent and
the additional rent payable hereunder which would have been payable by Tenant
(conclusively presuming the additional rent to be the same as was payable for
the year immediately preceding such termination) for the period commencing with
such earlier termination of this Lease or the date of any such re-entry, as the
case may be, and ending with the Expiration Date, had this Lease not so
terminated or had Landlord not so reentered the Demised Premises, over (ii) the
aggregate rental value of the Demised Premises for the same period, or

                  (b) Sums equal to the fixed rent and the additional rent (as
above presumed) payable hereunder which would have been payable by Tenant had
this Lease not so terminated, or had Landlord not so re-entered the Demised
Premises, payable upon the due dates therefor specified herein following such
termination or such re-entry and until the Expiration Date, provided, however,
that if Landlord shall relet the Demised Premises during said period, Landlord
shall credit Tenant with the net rents received by Landlord from such reletting,
such net rents to be determined by first deducting from the gross rents as and
when received by Landlord from such reletting, the expenses incurred or paid by
Landlord in terminating this Lease or in reentering the Demised Premises and in
securing possession thereof, as well as the expenses of reletting, including
altering and preparing the Demised Premises for new tenants, brokers'
commissions, and all other expenses properly chargeable against the Demised
Premises and the rental therefrom; it being understood that any such reletting
may be for a period shorter or longer than the remaining term of this Lease; but
in no event shall Tenant be entitled to receive any excess of such net rents
over the sums payable by Tenant to Landlord hereunder, nor shall Tenant be
entitled in any suit for the collection of damages pursuant to this Subsection
to a credit in respect of any net rents from a reletting, except to the extent
that such net rents are actually received by Landlord. Damages shall also
include the unamortized portion of the cost of Landlord's Work and any brokerage
fees or commissions paid by Landlord. If the Demised Premises or any part
thereof should be relet in combination with other space, then proper
apportionment on a square foot basis shall be made of the rent received from
such reletting and of the expenses of reletting.

                  If the Demised Premises or any part thereof to be relet by
Landlord for the unexpired portion of the term of this Lease, or any part
thereof, before presentation of proof of such damages to any court, commission
or tribunal, the amount of rent reserved upon such reletting shall, prima facie,
be the fair and reasonable rental value for the Demised Premises, or part
thereof, so relet during the term of the reletting.

            26.02. Suit or suits for the recovery of such damages, or any
installments thereof, may be brought by Landlord from time to time at its
election, and nothing contained herein shall be deemed to require Landlord to
postpone suit until the date when the term of this Lease would have expired if
it had not been so terminated under the provisions of Article 24, or under any
provision of law, or had Landlord not re-entered the Demised Premises. Nothing

                                       33
<PAGE>

herein contained shall be construed to limit or preclude recovery by Landlord
against Tenant of any sums or damages to which, in addition to the damages
particularly provided above, Landlord may lawfully be entitled by reason of any
default hereunder on the part of Tenant. Nothing herein contained shall be
construed to limit or prejudice the right of Landlord to seek and obtain as
liquidated damages by reason of the termination of this Lease or re-entry on the
Demised Premises for the default of Tenant under this Lease, an amount equal to
the maximum allowed by any statute or rule of law in effect at the time when,
and governing the proceedings in which, such damages are to be proved whether or
not such amount be greater, equal to, or less than any of the sums referred to
in Section 26.01.

            26.03. In addition to the foregoing and without regard to whether
this Lease is terminated, Tenant shall pay to Landlord upon demand, all costs
and expenses incurred by Landlord, including reasonable attorney's fees, with
respect to any lawsuit instituted or defended or any action taken by Landlord to
enforce all or any of the provisions of this Lease.

                                   ARTICLE 27

                                     WAIVERS

            27.01. Tenant, for Tenant, and on behalf of any and all persons
claiming through or under Tenant, including creditors of all kinds, does hereby
waive and surrender all right and privilege which they or any of them might have
under or by reason of any present or future law, to redeem the Demised Premises
or to have a continuance of this Lease for the term hereby demised after being
dispossessed or ejected therefrom by process of law or under the terms of this
Lease or after the termination of this Lease as herein provided.

            27.02. In the event that Tenant is in arrears in payment of fixed
rent or additional rent hereunder, Tenant waives Tenant's right, if any, to
designate the items against which any payments made by Tenant are to be
credited, and Tenant agrees that Landlord may apply any payments made by Tenant
to any items it sees fit, irrespective of and notwithstanding any designation or
request by Tenant as to the items against which any such payments shall be
credited.

            27.03. Landlord and Tenant hereby waive trial by jury in any action,
proceeding or counterclaim brought by either against the other on any matter
whatsoever arising out of or in any way connected with this Lease, the
relationship of Landlord and Tenant, Tenant's use or occupancy of the Demised
Premises, including any claim of injury or damage, or any emergency or other
statutory remedy with respect thereto.

            27.04. The provisions in Articles 16 and 17 shall be considered
express agreements governing the services to be furnished by Landlord, and
Tenant agrees that any laws and/or requirements of public authorities, now or
hereafter in force, shall have no application in connection with any enlargement
of Landlord's obligations with respect to such services.

                                       34
<PAGE>

                                   ARTICLE 28

                        NO OTHER WAIVERS OR MODIFICATIONS

            28.01. The failure of either party to insist in any one or more
instances upon the strict performance of any one or more of the obligations of
this Lease, or to exercise any election herein contained, shall not be construed
as a waiver or relinquishment for the future of the performance of such one or
more obligations of this Lease or of the right to exercise such election, but
the same shall continue and remain in full force and effect with respect to any
subsequent breach, act, or omission. No executory agreement hereafter made
between Landlord and Tenant shall be effective to change, modify, waive,
release, discharge, terminate or effect an abandonment of this Lease, in whole
or in part, unless such executory agreement is in writing, refers expressly to
this Lease and is signed by the party against whom enforcement of the change,
modification, waiver, release, discharge, or termination of effectuation of the
abandonment is sought.

            28.02. Without limiting Section 28.01, the following provisions
shall also apply:

                  (a) No agreement to accept a surrender of all or any part of
the Demised Premises shall be valid unless in writing and signed by Landlord.
The delivery of keys to an employee of Landlord or of its agent shall not
operate as a termination of this Lease or a surrender of the Demised Premises.
If Tenant shall at any time request Landlord to sublet the Demised Premises for
Tenant's account, Landlord or its agent is authorized to receive said keys for
such purposes without releasing Tenant from any of its obligations under this
Lease, and Tenant hereby releases Landlord from any liability for loss or damage
to any of Tenant's property in connection with such subletting.

                  (b) The receipt by Landlord of rent with knowledge of breach
of any obligation of this Lease shall not be deemed a waiver of such breach.

                  (c) No payment by Tenant or receipt by Landlord of a lesser
amount than the correct fixed rent or additional rent due hereunder shall be
deemed to be other than a payment on account, nor shall any endorsement or
statement on any check or any letter accompanying any check or payment be deemed
an accord and satisfaction, and Landlord may accept such check or payment
without prejudice to Landlord's right to recover the balance or pursue any other
remedy in this Lease or at law provided.

                                   ARTICLE 29

                             CURING TENANT'S DEFAULTS

            29.01. If Tenant shall default in the performance of any of Tenant's
obligations under this Lease, Landlord, without thereby waiving such default,
may (but shall not be obligated to) perform the same for the account and at the
expense of Tenant, without notice, in a case of emergency, and in any other
case, only if such default continues after the expiration of (i) ten (10) days
from the date Landlord gives Tenant notice of intention so to do, or (ii) the
applicable grace

                                       35
<PAGE>

period provided in Section 24.02 or elsewhere in this Lease for cure of such
default, whichever occurs later.

            29.02. Bills, invoices and purchase orders for any and all costs,
charges, and expenses incurred by Landlord in connection with any such
performance by it for the account of Tenant, including reasonable counsel fees,
involved in collecting or endeavoring to collect the fixed rent or additional
rent or any part thereof, or enforcing or endeavoring to enforce any rights
against Tenant, under or in connection with this Lease, or pursuant to law,
including any such cost, expense, and disbursement involved in instituting and
prosecuting summary proceedings, may be sent by Landlord to Tenant monthly, or
immediately, at Landlord's option, and, shall be due and payable in accordance
with the terms of such bills.

                                   ARTICLE 30

                                     BROKER

            30.01. Landlord and Tenant each covenants, warrants, and represents
that there was no broker except ALEXANDER SUMMER. ("Broker") instrumental in
consummating this Lease and that no conversations or negotiations were had with
any broker except Broker concerning the renting of the Demised Premises.
Landlord and Tenant each agrees to hold the other harmless against any claims
for a brokerage commission arising out of any conversations or negotiations had
by it with any broker except Broker. Landlord agrees to pay Broker pursuant to a
separate agreement.

                                   ARTICLE 31

                                     NOTICES

            31.01. Any notice, statement, demand, or other communications
required or permitted to be given, rendered, or made by either party to the
other, pursuant to this Lease or pursuant to any applicable law or requirement
of public authority, shall be in writing (whether or not so stated elsewhere in
this Lease) and shall be deemed to have been properly given, rendered or made,
if sent by registered or certified mail, return receipt requested, addressed to
the other party at the address hereinabove set forth (except that after the
Commencement Date, Tenant's address, unless Tenant shall give notice to the
contrary, shall be the Building) and shall be deemed to have been given,
rendered, or made on the date following the date of mailing. Notice may also be
given by facsimile transmittal or overnight mail. If such notice is given by
facsimile transmittal, it shall be deemed received the day it was sent and
overnight mail shall be deemed received the day after it was sent. Either party
may, by notice as aforesaid, designate a different address or addresses for
notices, statements, demands, or other communications intended for it. In the
event of the cessation of any mail delivery for any reason, personal delivery
shall be substituted for the aforedescribed method of serving notices.

                                       36
<PAGE>

                                   ARTICLE 32

                              ESTOPPEL CERTIFICATE

            32.01. Tenant agrees, when requested by Landlord, to execute and
deliver to Landlord a statement certifying that this Lease is unmodified and in
full force and effect (or if there have been modifications, that the same is in
full force and effect as modified and stating the modifications), certifying the
dates to which the fixed rent and additional rent have been paid, whether any
dispute exists with respect thereto and stating whether or not, to Tenant's best
knowledge, Landlord is in default in performance of any of its obligations under
this Lease, and, if so, specifying each such default of which Tenant may have
knowledge, it being intended that any such statement delivered pursuant hereto
may be relied upon by others. Such statement shall be served upon Landlord by
Tenant within ten (10) days of Landlord's request. If Tenant fails to deliver
such notice, Landlord shall be deemed appointed as Tenant's attorney-in-fact to
prepare and deliver such-notice on behalf of Tenant, and Tenant shall be deemed
bound thereby upon Landlord's furnishing a copy of the notice to Tenant.

                                   ARTICLE 33

                                   ARBITRATION

            33.01. The parties hereto shall not be deemed to have agreed to
determination of any dispute arising out of this Lease by arbitration unless
determination in such manner shall have been specifically provided for in this
Lease.

            33.02. The party desiring arbitration shall give notice to that
effect to the other party and shall in such notice appoint a person as
arbitrator on its behalf. Within ten (10) days, the other party by notice to the
original party shall appoint a second person as arbitrator on its behalf. The
arbitrators thus appointed shall appoint a third person, and such three
arbitrators shall as promptly as possible determine such matter, provided,
however that:

                  (a) If the second arbitrator shall not have been appointed as
aforesaid, the first arbitrator shall proceed to determine such matter; and

                  (b) If the two arbitrators appointed by the parties shall be
unable to agree, within ten (10) days after the appointment of the second
arbitrator, upon the appointment of a third arbitrator, they shall give written
notice to the parties of such failure to agree, and, if the parties fail to
agree upon the selection of such third arbitrator within ten (10) days after the
arbitrators appointed by the parties give notice as aforesaid, then within five
(5) days thereafter either of the parties upon notice to the other party may
request such appointment by the American Arbitration Association (or any
organization successor thereto), or in it absence, refusal, failure, or
inability to act, may apply for a court appointment of such arbitrator.

            33.03. Each arbitrator shall be a fit and impartial person who shall
have had at least five years' experience in a calling connected with the matter
of dispute.

                                       37
<PAGE>

            33.04. The arbitration shall be conducted, to the extent consistent
with this Article, in accordance with the then prevailing rules of the American
Arbitration Association (or any organization successor thereto). The arbitrators
shall render their decision and award, upon the concurrence of at least two of
their number, within thirty (30) days after the appointment of the third
arbitrator. Such decision and award shall be in writing and shall be final and
conclusive on the parties, and counterpart copies thereof shall be delivered to
each of the parties. In rendering such decision and award, the arbitrators shall
not add to, subtract from, or otherwise modify the provisions of this Lease.
Judgment may be had on the decision and award of the arbitrator(s) so rendered
in any court of competent jurisdiction. Notwithstanding the foregoing, the
parties hereto agree that such judgment of the arbitrator shall not be binding
and may be the subject of litigation in the Superior Court of New Jersey if it
is alleged that the arbitrator made a mistake of fact or law.

            33.05. Each party shall pay the fees and expenses of the one of the
two original arbitrators appointed by or for such party and the fees and
expenses of the third arbitrator and all other expenses of the arbitration
(other than the fees and disbursement of attorneys or witnesses for each party)
shall be borne by the parties equally.

            33.06. Notwithstanding the provisions of this Article, if any delay
in complying with any requirements of this Lease by Tenant might subject
Landlord to any fine or penalty, or to prosecution for a crime, or if it would
constitute a default by Landlord under any mortgage, Landlord may exercise its
right under Article 29, to remedy such default and in such event the sole
question to be determined by the arbitrators under this Article, shall be
whether Tenant is liable for Landlord's cost and expenses of curing such
default.

                                   ARTICLE 34

              NO OTHER REPRESENTATIONS, CONSTRUCTION, GOVERNING LAW

            34.01. Tenant expressly acknowledges and agrees that Landlord has
not made and is not making, and Tenant, in executing and delivering this Lease,
is not relying upon, any warranties, representations, promises or statements,
except to the extent that the same are expressly set forth in this Lease. It is
understood and agreed that all understandings and agreements heretofore had
between the parties are merged in the Lease, which alone fully and completely
express their agreements and that the same are entered into after full
investigation, neither party relying upon any statement or representation not
embodied in the Lease made by the other.

            34.02. If any of the provisions of this Lease, or the application
thereof to any person or circumstances, shall, to any extent, be invalid or
unenforceable, the remainder of this Lease, or the application of such provision
or provisions to persons or circumstances other than those as to whom or which
it is held invalid or unenforceable, shall not be affected thereby, and every
provision of this Lease shall be valid and enforceable to the fullest extent
permitted by law.

            34.03. This Lease shall be governed in all respects by the laws of
the State of New Jersey.

                                       38
<PAGE>

                                   ARTICLE 35

                                    SECURITY

            35.01. Tenant shall deposit with Landlord the sum of $25,088.34 upon
the execution of this Lease. Said deposit (sometimes referred to as the
"Security Deposit") shall be held by Landlord as security for the faithful
performance by Tenant of all the terms of the Lease by said Tenant to be
observed and performed. The Security Deposit shall not and may not be mortgaged,
assigned, transferred, or encumbered by Tenant, without the written consent of
Landlord, and any such act on the part of Tenant shall be without force and
effect and shall not be binding upon Landlord. If any of the fixed or additional
rent herein reserved or any other sum payable by Tenant to Landlord shall be
overdue and unpaid, beyond applicable notice and cure periods, or if Landlord
makes payment on behalf of Tenant, or if Tenant shall fail to perform any of the
terms, covenants, and conditions of the Lease, beyond applicable notice an cure
periods, then Landlord may, at its option and without prejudice to any other
remedy which Landlord may have on account thereof, appropriate and apply the
entire Security Deposit or so much thereof as may be necessary to compensate
Landlord toward the payment of fixed or additional rent and any loss or damage
sustained by Landlord due to such breach on the part of Tenant, plus expenses;
and Tenant shall forthwith upon demand restore the Security Deposit to the
original sum deposited. The issuance of a warrant and/or the re-entering of the
Demised Premises by Landlord for any default on the part of Tenant or for any
other reason prior to the expiration of the term shall not be deemed such a
termination of the Lease as to entitle Tenant to the recovery of the Security
Deposit. If Tenant complies with all of the terms, covenants, and conditions of
the Lease and pays all of the fixed and additional rent and all other sums
payable by Tenant to Landlord as they fall due, the Security Deposit shall be
promptly returned in full to Tenant after the expiration of the term of the
Lease and Tenant's satisfaction of all its obligations accruing prior to the
Lease expiration date. In the event of bankruptcy or other creditor-debtor
proceedings against Tenant, the Security Deposit and all other securities shall
be deemed to be applied first to the payment of fixed and additional rent and
other charges due Landlord for all periods prior to the filing of such
proceedings. In the event of sale by Landlord of the Building, Landlord may
deliver the then balance of the Security Deposit to the transferee of Landlord's
interest in the Demised Premises and Landlord shall thereupon be discharged from
any further liability with respect to the Security Deposit and this provision
shall also apply to any subsequent transferees. No holder of a superior mortgage
or a lessor's interest in a superior lease to which the Lease is subordinate
shall be responsible in connection with the Security Deposit, by way of credit
or payment of any fixed or additional rent, or otherwise, unless such mortgagee
or lessor actually shall have received the entire Security Deposit.

                                   ARTICLE 36

                                  PARTIES BOUND

            36.01. The obligation of this Lease shall bind and benefit the
successors and assigns of the parties with the same effect as if mentioned in
each instance where a party is named or referred to, except that no violation of
the provisions of Article 8 shall operate to vest any

                                       39
<PAGE>

rights in any successor or assignee of Tenant and that the provisions of this
Article shall not be construed as modifying the conditions of limitation
contained in Article 24. However, the obligations of Landlord under this Lease
shall not be binding upon Landlord herein named with respect to any period
subsequent to the transfer of its interest in the Building as owner or lessee
thereof and in event of such transfer said obligations shall thereafter be
binding upon each transferee of the interest of Landlord herein named as such
owner or lessee of the Building, but only with respect to the period ending with
a subsequent transfer within the meaning of this Article.

            36.02. If Landlord shall be an individual, joint venture, tenancy in
common, partnership, unincorporated association, or other unincorporated
aggregate of individuals and/or entities or a corporation, Tenant shall look
only to such Landlord's estate and property in the Building (or the proceeds
thereof) and, where expressly so provided in this Lease, to offset against the
rents payable under this Lease for the collection of a judgment (or other
judicial process) which requires the payment of money by Landlord in the event
of any default by Landlord hereunder. No other property or assets of such
Landlord shall be subject to levy, execution or other enforcement procedure for
the satisfaction of Tenant's remedies under or with respect to this Lease, the
relationship of Landlord and Tenant hereunder or Tenant's use or occupancy of
the Demised Premises. Further, Tenant agrees that Landlord shall not be liable
to Tenant for any special, indirect, or consequential damages arising out of
Landlord's breach of this Lease.

                                   ARTICLE 37

                                    CONSENTS

            37.01. Wherever it is specifically provided in this Lease that a
party's consent is not to be unreasonably withheld, a response to a request for
such consent shall also not be unreasonably delayed. If either Landlord or
Tenant considers that the other had unreasonably withheld or delayed a consent,
it shall so notify the other party within ten (10) days after receipt of notice
of denial of the requested consent or, in case notice of denial is not received,
within twenty (20) days after making its request for the consent.

                                   ARTICLE 38

                     MORTGAGE FINANCING - TENANT COOPERATION

            38.01. In the event that Landlord desires to seek mortgage financing
secured by the Demised Premises, Tenant agrees to cooperate with Landlord in the
making of any application(s) by Landlord for such financing including the
delivery to Landlord's mortgage broker or mortgagee, of such information as they
shall require with respect to Tenant's occupancy of the Demised Premises,
including, but not limited to the current financial statement of Tenant, but
Tenant shall not be required to deliver such information directly to Landlord,
all of the above to be at no cost and expense of Tenant. In the event that
Landlord's mortgagee shall request changes to the within Lease in order to make
same acceptable to Landlord's mortgagee, Tenant

                                       40
<PAGE>

agrees to consent to such changes, provided such changes shall not affect the
term of this Lease nor the financial obligations of Tenant hereunder.

                                   ARTICLE 39

                            ENVIRONMENTAL COMPLIANCE

            39.01. Tenant shall, at Tenant's sole cost and expense, comply with
the New Jersey Industrial Site Recovery Act and the regulations promulgated
thereunder (referred to as "ISRA") as same relate to Tenant's occupancy of the
Demised Premises, as well as all other state, federal or local environmental
law, ordinance, rule, or regulation either in existence as of the date hereof or
enacted or promulgated after the date of this Lease, that concern the
management, control, discharge, treatment and/or removal of hazardous discharges
or otherwise affecting or affected by Tenant's use and occupancy of the Demised
Premises. Tenant represents that Tenant's SIC number does not subject it to
ISRA. Tenant shall, at Tenant's own expense, make all submissions to, provide
all information to, and comply with all requirements of the Bureau of Industrial
Site Evaluation (the "Bureau") of the New Jersey Department of Environmental
Protection ("NJDEP"). Should the Bureau or any other division of NJDEP, pursuant
to any other environmental law, rule, or regulation, determine that a cleanup
plan be prepared and that a cleanup be undertaken because of any spills or
discharge of hazardous substances or wastes at the Demised Premises which occur
during the term of this Lease and were caused by Tenant or its agents or
contractors, then Tenant shall, at Tenant's own expense prepare and submit the
required plans and financial assurances, and carry out the approved plans. In
the event that Landlord shall have to comply with ISRA by reason of Landlord's
actions, Tenant shall promptly provide all information requested by Landlord for
preparation of non-applicability affidavits or a Negative Declaration and shall
promptly sign such affidavits when requested by Landlord. Tenant shall
indemnify, defend, and save harmless Landlord from all fines, suits, procedures,
claims, and actions of any kind arising out of or in any way connected with any
spills or discharges of hazardous substances or wastes at the Demised Premises
which occur during the term of this Lease and were caused by Tenant or its
agents or contractors, and from all fines, suits, procedures, claims, and
actions of any kind arising out of Tenant's failure to provide all information,
make all submissions and take all actions required by the Bureau or any other
division of NJDEP. Tenant's obligations and liabilities under this Paragraph
shall continue so long as Landlord remains responsible for any spills or
discharges of hazardous substances or wastes at the Demised Premises which occur
during the term of this Lease and were caused by Tenant or its agents or
contractors. Tenant's failure to abide by the terms of this paragraph shall be
restrainable by injunction. Tenant shall have no responsibility to obtain a
"Negative Declaration" or "Letter of Non-Applicability" from the NJDEP if the
sole reason for obtaining same is in connection with a sale or other disposition
of the real estate by Landlord but Tenant agrees to cooperate with Landlord in
Landlord's effort to obtain same and shall perform at Tenant's expense any clean
up required by reason of Tenant's use and occupancy of the Demised Premises.

                                       41
<PAGE>

                                   ARTICLE 40

                                  HOLDING OVER

            40.01. Tenant will have no right to remain in possession of all or
part of the Demised Premises after the expiration of the term. If Tenant remains
in possession of all or any part of the Demised Premises after the expiration of
the Lease, without the express consent of Landlord: (a) such tenancy will be
deemed to be a periodic tenancy from month-to-month only; (b) such tenancy will
not constitute a renewal or extension of this Lease for any further term; and
(c) such tenancy may be terminated by Landlord upon the earlier of (i) thirty
(30) days prior written notice, or (ii) the earliest date permitted by law. In
such event, monthly rent will be increased to an amount equal to two hundred
percent (200%) of the monthly rent payable during the last month of the term,
and any other sums due under this Lease will be payable in the amount and at the
times specified in this Lease. Such month-to-month tenancy will be subject to
every other term, condition, and covenant contained in this Lease. The
provisions of this Section shall not be construed to relieve Tenant from
liability to Landlord for damages resulting from any such holding over, or
preclude Landlord from implementing summary dispossess proceedings. Tenant
further acknowledges that its failure to perform any restoration required of it
under this Lease shall be deemed the same as its remaining in possession of the
Demised Premises after the expiration of the term, subjecting it to hold-over
rent in accordance with this Article 40.

                                   ARTICLE 41

                      CERTAIN DEFINITIONS AND CONSTRUCTIONS

            41.01. For the purpose of this Lease and all agreements supplemental
to this Lease, unless the context otherwise requires, the definitions set forth
in Exhibit F annexed hereto shall be utilized.

            41.02. The various terms which are italicized and defined in other
Articles of this Lease or are defined in Exhibits annexed hereto, shall have the
meanings specified in such other Articles and such Exhibits for all purposes of
this Lease and all agreements supplemental thereto, unless the context shall
otherwise require.

            41.03. The submission of this Lease for examination does not
constitute a reservation of, or option for, the Demised Premises, and this Lease
becomes effective as a Lease only upon execution and delivery thereof by
Landlord and Tenant.

            41.04. The Article headings in this Lease and the Index prefixed to
this Lease are inserted only as a matter of convenience in reference and are not
to be given any effect whatsoever in construing this Lease.

                                       42
<PAGE>

                                   ARTICLE 42

                              RELOCATION OF TENANT

            42.01. Landlord at its sole expense, on at least sixty (60) days
prior written notice, may require Tenant to move from the Demised Premises to
another location of comparable size and decor in the Building or in the
building(s) commonly known and designated 399 Thornall Street, 499 Thornall
Street, Edison, New Jersey, 70 Wood Avenue South, Iselin, New Jersey or any
future Landlord related properties within the Metro Park Office Complex. By
written notice to Landlord served within five (5) days of Tenant's receipt of
the relocation notice, Tenant may elect to terminate this Lease in lieu of
relocating to the other space and shall there upon vacate the Demised Premises
within the sixty (60) day period. In the event of any such relocation, Landlord
shall be responsible for the expenses of preparing and decorating the relocated
premises so that they will be substantially similar to the Demised Premises
described in Exhibit C. Landlord shall also be responsible for all breakdown,
moving and re-installation of Tenant's then existing furniture, fixtures and
data-processing equipment, and the re-printing of Tenant's then existing
stationary, advertising materials and business cards. This relocation shall be
accomplished in such a manner so as to create the least practicable interference
with Tenant's business operation. Tenant shall not be required to vacate the
Demised Premises until the relocation premises are ready for occupancy as
defined in Article 4. Notwithstanding the foregoing, Landlord shall be entitled
to rescind its notice of relocation within forty-five (45) days of its having
forwarded to Tenant the notice of relocation or within forty-eight (48) hours of
Tenant having properly elected to terminate this Lease. In the event Landlord
rescinds the notice as aforesaid, this Lease shall continue in full force and
effect.

                                   ARTICLE 43

                                 OPTION TO RENEW

            43.01. Provided that Tenant is not then in default of the terms,
covenants, and provisions of this Lease, Landlord hereby grants to Tenant the
right to renew the term of this Lease for one (1) additional period of five (5)
years (the "Renewal Period") commencing on the day after the initial Expiration
Date upon the same terms and conditions as set forth in this Lease other than
the fixed annual rental which shall be the Fair Market Rental of the Demised
Premises at the time of the commencement of the Renewal Period, adjusting as
necessary for the lapse of time between the date of Tenant's notification of
intent to exercise its option to renew and the date on which the Renewal Period
is scheduled to commence but in no event shall be less than the fixed rent
during the initial term. Said fixed annual rental shall be payable in equal
monthly installments in advance on the first day of each and every month of the
Renewal Period. The base

                                       43
<PAGE>

year for calculation of additional rent for increase in taxes and operating
expenses for the Renewal Period shall be as initially established in this Lease.
Tenant shall exercise the within Option by giving written notice to Landlord not
later than nine (9) months prior to the initial Expiration Date, TIME BEING OF
THE ESSENCE. If Tenant fails to give such notice, Tenant will be deemed to have
waived such Renewal Option and the provisions of this Section shall be null and
void. Fair Market Value shall mean the rents obtainable for comparable space in
the Metro Park, Edison, New Jersey market area.

                                   ARTICLE 44

                OPTION TO RECAPTURE AND REDESIGN THE COMMON AREA

            44.01. The Landlord, at any time during the term of the Lease, may
recapture a portion of the Demised Premises and redesign the Demised Premises as
set forth in Exhibit C-1 ("Landlord's Improvements"), attached hereto and made a
part hereof. Landlord's Improvements shall include, but not be limited to,
redesigning the elevator lobby and the demising wall of the Demised Premises,
constructing a new Conference Room as described below and as indicated on
Exhibit C-1 and inserting a Building services space as indicated on Exhibit C-1.
The work in the new Alternate Conference Room will include the removing of one
wall, re-carpeting the space using Building standard carpet, painting the walls,
removing one door, re-balancing the HVAC, re-doing the electrical switches for
the overhead lights, re-working the sprinkler system, if required, providing all
architectural documents and obtaining all permits necessary for the construction
of the Alternate Conference Room. Landlord shall give Tenant thirty (30) days
written notice of its desire to perform Landlord's Improvements and Tenant shall
vacate the Building services space and make necessary arrangements, including
moving all of Tenant's Property, in order for Landlord to be able to perform
Landlord's Improvements within such thirty (30) day period. The Landlord shall
use reasonable efforts to coordinate the scheduling of Landlord's Improvements
with the Tenant, however, the Landlord will have the final ability to proceed
with Landlord's Improvements at Landlord's convenience. Landlord will use
reasonable efforts to minimize the disruption from the performance of Landlord's
Improvements but nevertheless, Tenant recognizes that there will be disruptions,
noise and dust associated with the performance of Landlord's Improvements and
that such work shall not constitute a actual or constructive eviction in whole
or in part, or entitle Tenant to any abatement of rent, or relieve Tenant from
any of its obligations under this Lease or impose any liability upon Landlord or
its agents. Tenant acknowledges that the square footage as set forth in this
Lease does not include

                                       44
<PAGE>

the square footage which would be recaptured, so that the square footage of the
Demised Premises shall remain the same in the event Landlord exercises its right
hereunder.

            IN WITNESS WHEREOF, Landlord and Tenant have duly executed this
Lease as of the day and year first above written.

WITNESS:                                LANDLORD:
                                        METRO FOUR ASSOCIATES
                                        LIMITED PARTNERSHIP,
                                        a New Jersey Limited Partnership

/s/ [ILLEGIBLE]                         /s/  Dominick Alfieri
----------------------------------      ----------------------------------------
                                        By: Dominick Alfieri
                                        Title: General Partner

ATTEST:                                 TENANT:
                                        SYSTEMS CONSULTING COMPANY, INC.,
                                        a Delaware Corporation

/s/ Carol R Potts                       /s/ Philip St. Germain
----------------------------------      ----------------------------------------
                                        By:
                                        Title: CFO

                                       45
<PAGE>

                                    EXHIBIT A

                               DESCRIPTION OF LAND
                               379 THORNALL STREET

ALL that certain tract, lot and parcel of land lying and being in the Township
of Edison, County of Middlesex, and State of New Jersey being more particularly
described as follows:

BEGINNING at a point in the new Southeasterly Right-of-Way line of Thornall
Street, distant Southwestwardly 1,544.77 feet from the intersection formed by
the Southeasterly Right-of-Way line of Thornall Street, with the Southwesterly
Right-of-Way line of Wood Avenue South and from said beginning point running:

1.    South 53 degrees 23 minutes 59 seconds East, along a new line in Lot 2-B-4
      in Block 676, as shown on the current Township of Edison Tax Map, 264.80
      feet to a point; running thence

2.    South 36 degrees 36 minutes 01 second West, 76.19 feet to a point; running
      thence

3.    South 53 degrees 23 minutes 59 seconds East, 612.14 feet to a point;
      running thence

4.    South 31 degrees 14 minutes 31 seconds West, along the common line between
      Lots 2-B-4 and 5, in Block 676, as shown on the current Township of Edison
      Tax Map, 280.48 feet to a point, running thence

5.    North 53 degrees 23 minutes 59 seconds West, along the common line between
      Lots 2-B-3 and 2-A, in Block 676, as shown on said Tax Map, 889.65 feet to
      a point in the new Southeasterly Right-of-Way line of Thornall Street;
      running thence

6.    Northeastwardly, along the new Southeasterly Right-of-Way line of Thornall
      Street, along a curve to the left having a radius of 4,694.00 feet and an
      arc length of 355.79 feet to a point, said point being the point and place
      of BEGINNING.

Being also known as Lot 2-B-3 in Block 676, on the current Tax Map of the
Township of Edison, Middlesex County, New Jersey.

Subject to easements, restrictions and covenants of record and such state of
facts as an accurate survey may reveal.

                                       1A

<PAGE>

                              EXHIBIT B FLOOR PLAN

                                  SEE ATTACHED

                                       1B
<PAGE>

                               [GRAPHIC OMITTED]

                                    EXHIBIT B

                                  July 8, 1998

--------------------------------------------------------------------------------
[LOGO] ALFIERI               PROJECT: TENANT PLACEMENT PLAN
INVESTMENT BUILDERS                   METRO IV
                                      379 THORNALL STREET 7TH FLOOR
                                      EDISON, NEW JERSEY
--------------------------------------------------------------------------------
                             JOB NO. E:\ACAD\FA\07EXTEN\FAO7TEN.DWG

<PAGE>

                                    EXHIBIT C

                              SEPARATE WORKLETTER

                                       1C
<PAGE>

ALFIERI PARKWAY ASSOCIATES, AS LANDLORD
SYSTEM CONSULTING COMPANY, INC., AS TENANT

                                    EXHIBIT C
                                 LANDLORD'S WORK

1.    HVAC - Perimeter baseboard electric heat, central high velocity fan system
      with Barber Coleman mixing boxes. System utilizes a minimum of 10% to a
      maximum of 100% fresh air to maintain no less than 68 degrees interior at
      zero degrees exterior, with a 15-mile per hour wind. Air cooling shall
      maintain no more than 78 degrees F dry bulb with approximately 50%
      relative humidity when the outdoor conditions are 91 degrees F dry bulb.
      The above standard is for normal office use only which shall be deemed to
      be one person for every 200 sq. ft. in any given or confined area which
      shall not include areas with special HVAC requirements such as computer
      rooms, conference rooms, cafeterias, high density or excessive heat
      producing equipment. Perimeter baseboard electric heat is used during
      winter operations and an air cooling system is utilized during summer
      operations.

      One (1) diffuser per 250 sq. ft. of usable area

2.    Window covering - one (1) building-standard venetian blind per window.

3.    Landlord shall complete the interior of the Demised Premises in accordance
      with plans and specifications as noted herein, in Exhibit B, dated July 8,
      1998, and Exhibit C-1, dated July 8, 1998. Any additional work not
      specifically noted in the foregoing shall be performed by Landlord at
      Tenant's sole expense.

4.    Landlord shall permit Tenant and/or its agents or labor to enter the
      Premises prior to the Commencement Date of the Lease upon prior reasonable
      written request from Tenant, at a time designated by Landlord consistent
      with Landlord's construction schedule in order to install telephone
      outlets and data lines. The foregoing right to enter prior to the
      Commencement Date, however, is conditioned upon Tenant's not interfering
      with Landlord's labor. If at any time such entry shall cause disharmony,
      interference, or union disputes of any nature whatsoever, or if Landlord
      shall, in Landlord's sole judgment, determine that such entry, such work
      and the continuance thereof shall interfere with, hamper or prevent
      Landlord from proceeding with the completion of the Demised Premises at
      the earliest possible date, this right of entry may be withdrawn by
      Landlord immediately upon written notice to Tenant but shall be reinstated
      as soon as Landlord deems Tenant's re-entry practicable. Such entry shall
      be at Tenant's sole risk. In the event that Tenant's agents or labor incur
      any charges from Landlord, including but not limited to, charges for
      clean-up costs necessitated by Tenant's entry, such charges shall be
      deemed an obligation of Tenant and shall be collectible as additional rent
      pursuant to the Lease. Landlord shall

<PAGE>

      have no liability for any furnishings, equipment or other items placed in
      the Demised Premises and Tenant shall indemnify, defend and hold Landlord
      harmless for any damage, loss or expense caused by it or its contractors
      or agents. Tenant must also provide evidence of insurance in accordance
      with the Lease and evidence of Worker's Compensation Insurance to protect
      Landlord and Tenant during the period of Tenant's entry prior to the
      Commencement Date.

5.    At any time after substantial completion of Landlord's Work, Landlord,
      upon reasonable notice to Tenant, may enter the Demised Premises to
      complete unfinished details of Landlord's Work and entry by Landlord, its
      agents, servants, employees or contractors for such purpose shall not
      constitute an actual or constructive eviction, in whole or in part, or
      entitle Tenant to any abatement of rent, or relieve Tenant from any of its
      obligations under this Lease, or impose any liability upon Landlord or its
      agents.

6.    Tenant further agrees that if an elevator lobby or corridor is included in
      Tenant's Demised Premises or if by virtue of the size and configuration of
      Tenant's Demised Premises, other tenants of the Building when in the lobby
      or corridor can see into Tenant's Demised Premises through a demising
      wall, the Landlord shall have the sole and final decision as to the color
      and design of all paint, wall coverings and floor coverings so visible
      from the lobby or corridor.

7.    Tenant shall be responsible for its telecommunications, computer and
      systems furniture installation.

8.    The workletter will include:

      o     New 20 oz. building standard carpet.
      o     Paint the suite.
      o     Relocate the sprinklers as needed.
      o     Replace the damaged ceiling tile.
      o     Repair the ceiling grid as needed.
      o     General clean up.
      o     Clean the light fixtures.
      o     Replace any light bulbs as needed.
      o     Provide a general clean up.
<PAGE>

                               [GRAPHIC OMITTED]

--------------------------------------------------------------------------------
         ALFIERI             PROJECT: PROPOSED PLAN FOR SCC, INC.
                                      METRO IV--7TH FLOOR
FAO712L                               379 THORNALL STREET
                                      EDISON, NEW JERSEY
--------------------------------------------------------------------------------
                             JOB NO. FAI2L   SCALE 1/8" = 1' - 0"
--------------------------------------------------------------------------------
                                                                    EXHIBIT C-1
                                                                    July 8, 1998

<PAGE>

                                  July 8, 1998
                                    EXHIBIT D

                     CLEANING AND MAINTENANCE SPECIFICATIONS

Landlord will provide building standard cleaning services to the tenant area and
the ground floor lobby area in accordance with the following specifications:

NIGHTLY

1. GENERAL CLEANING

      a.    Empty all waste and recycling receptacles, removing waste and
            recycling material to designated central location for disposal.

      b.    Empty and damp wipe clean all ashtrays. Screen and clean all sand
            urns, wipe exterior of sand urns.

      c.    Wash and disinfect all water coolers and drinking fountains.

      d.    Wipe clean fingermarks, smudges, etc. from all doors, security
            desks, wall surfaces, furniture system trim, fixtures, cabinets,
            files, conference tables, chairs, partition glass, flat ledges,
            heating units, baseboards, blinds and window ledges.

      e.    Replace plastic liners in all waste-disposal cans.

      f.    Hand brush and/or vacuum all upholstered furniture, including
            furniture system fabric panels.

      g.    Doors: Wash and wipe clean all kick panels, push/pull areas.

      h.    Wash and disinfect all public telephones.

      i.    Wipe down mail chute and mail depository nightly.

2. FLOORS

      Group A - Ceramic tile, marble, terrazzo.

      Group B - Linotile, asphalt, koroseal, plastic vinyl, rubber, wood, cork,
                or other types of floors and base.

                                       1D

<PAGE>

      a.    All floors in Group A to be swept and wet-mopped. Move light
            furniture, planters and equipment other than desks and files.

      b.    All floors in Group B to be dry mopped, using a "dustdown"
            preparation, and spots to be removed by wet process.

      c.    Main lobby to be machine buffed nightly.

3. VACUUMING

      a.    Vacuum all rugs and carpeted areas, moving light furniture and
            office equipment other than desks and file cabinets. Spot clean to
            remove soluble spots which safely respond to standard spotting
            procedures without risk of injury to color or fabric.

4. WASHROOMS AND TOILETS

      a.    Sweep, mop, rinse, and dry floors. Polish mirrors, chrome plumbing
            and bright-work. Clean enameled surfaces.

      b.    Wash and disinfect basins, urinals, and bowls using scouring powder
            to remove stains, making certain to clean undersides of rims of
            urinals and bowls.

      c.    Wash and disinfect both sides of all toilet seats.

      d.    Supply and service all toilet tissue, soap, towels, and sanitary
            napkins. Sanitary napkins will be supplied in coin operated
            dispensers.

      e.    All wastepaper cans and all receptacles are to be emptied and new
            plastic liners installed.

      f     Hand dust and wash clean all partitions, tile walls, dispensers, and
            receptacles in lavatories and vanity area.

      g.    Empty and clean sanitary disposal receptacles and install new
            plastic liners.

5. ELEVATORS

      a.    Clean the floor in accordance with specifications outlined above
            based upon the type of flooring installed. The doors, metal wall
            surfaces, wood wall surfaces, ceiling and fixtures shall be dusted.

                                       2D
<PAGE>

6.    GLASS

      a.    Clean both sides of all lobby glass, building entrance doors, upper
            lobby glass, furniture system partition glass and interior wall
            glass.

7.    STAIRWELLS

      a.    Check all stairwells and landings nightly throughout entire demised
            area, and keep in clean condition. All stairways and landings will
            be dry mopped nightly. Railings, ledges, and equipment will be
            dusted nightly.

WEEKLY

8.    GENERAL CLEANING

      a.    Hand dust all office equipment, furniture, fixtures, including
            paneling, shelving, window sills and mullions, telephones and all
            flat surfaces with a treated cloth or yarn duster.

9.    FLOORS

      a.    Floors in Group B will be wet mopped weekly.

10.   WASHROOMS AND TOILETS

      a.    Wash down walls in washrooms and stalls, from trim to floor.

11.   ELEVATORS

      a.    The doors, surfaces and fixtures shall be damp wiped. The floors
            shall be stripped, waxed and machine buffed weekly.

12.   STAIRWAYS

      a.    These areas shall be stripped, waxed and buffed weekly. This will be
            governed by the amount of wear due to weather and other conditions.

13.   MAIN LOBBY

      a.    Clean walls with damp cloth and dust weekly.

                                       3D
<PAGE>

MONTHLY

14.   FLOORS

      a.    Waxing, buffing, stripping or machine scrubbing of the floors in
            Group A and B.

15.   HIGH DUSTING

      a.    Dust all closet shelving and wash all closet floors, when
            accessible.

QUARTERLY

16.   GLASS

      a.    Clean inside of windows.

17.   HIGH DUSTING

      a.    Damp dust all pictures, charts, graphs, light fixtures, etc., not
            reached in nightly cleaning.

      b.    Dust clean all vertical surfaces such as walls, partions, doors,
            door bucks and other surfaces not reached in nightly cleaning.

      c.    Damp dust air conditioning diffusers, wall grills, door louvers,
            registers and venetian blinds.

SEMI ANNUALLY

18.   GLASS

      a.    Clean all doors and exterior side of exterior windows.

ANNUALLY

19.   HIGH DUSTING

      a.    Dust interior and exterior of light fixtures.

MISCELLANEOUS

      a.    On completion of work, all slop sinks are to be thoroughly cleaned,
            and cleaning equipment to be stored neatly in designated locations.

                                       4D
<PAGE>

      b.    All cleaning services except those performed by day porters, window
            cleaners, and matrons are to be performed nightly, five nights per
            week. No Saturday, Sunday or Building holiday service to be
            provided. In no event shall performance of any cleaning service
            interfere with Tenant's normal business operation.

      c.    The Contractor or Landlord is to furnish all necessary approved
            cleaning materials, implements, and machinery for the satisfactory
            completion of the work. This includes scaffolding, vacuum machines,
            scrubbing machines, etc.

      d.    Contractor shall furnish proof of liability and property damage
            insurance reasonably acceptable to Landlord, and Workman's
            Compensation Insurance in amounts required under the laws of New
            Jersey.

      e.    Tenant will be charged for cleaning services in excess of the
            specifications outlined above.

      f.    Tenant will be charged for the incremental cost to clean any areas
            of the Demised Premises used for special purposes requiring more
            difficult cleaning work than office areas including, but not limited
            to, private toilets and showers, dining areas, cafeteria, kitchen,
            etc.

                                       5D
<PAGE>

                                    EXHIBIT E

                              RULES AND REGULATIONS

            1. The rights of tenants in the entrances, corridors, elevators, and
escalators of the Building are limited to ingress to and egress from the
tenants' demised premises for the tenants and their employees, licensees, and
invitees, and no tenant shall use or permit the use of the entrances, corridors,
escalators, or elevators for any other purpose. No tenant shall invite to the
tenant's demised premises, or permit the visit of, persons in such numbers or
under such conditions as to interfere with the use and enjoyment of any of the
plazas, entrances, corridors, escalators, elevators, and other facilities of the
Building by other tenants. Fire exits and stairways are for emergency use only,
and they shall not be used for any other purpose by the tenants, their
employees, licensees, or invitees. No tenant shall encumber or obstruct, or
permit the encumbrance or obstruction of any of the sidewalks, plazas,
entrances, corridors, escalators, elevators, fire exits, or stairways of the
Building. The Landlord reserves the right to control and operate the public
portions of the Building and the public facilities, as well as facilities
furnished for the common use of the tenants, in such manner as it deems best for
the benefit of the tenants generally.

            2. The Landlord may refuse admission to the Building outside of
ordinary business hours to any person not having a pass issued by the Landlord
or the tenant whose demised premises are to be entered or not otherwise properly
identified, and may require all persons admitted to or leaving the Building
outside of ordinary business hours to register. Any person whose presence in the
Building at any time shall, in the judgment of the Landlord, be prejudicial to
the safety, character, reputation, and interests of the Building or of its
tenants may be denied access to the Building or may be ejected therefrom. In
case of invasion, riot, public excitement, or other commotion, the Landlord may
prevent all access to the Building during the continuance of the same, by
closing the doors or otherwise, for the safety of the tenants and protection of
property of the Building. The Landlord may require any person leaving the
Building with any package or other object to exhibit a pass from the tenant from
whose premises the packaging or object is being removed, but the establishment
and enforcement of such requirement shall not impose any responsibilities on the
Landlord for the protection of any tenant against the removal of property from
the premises of the tenant. The Landlord shall in no way be liable to any tenant
for damages or loss arising from the admission, exclusion, or ejection of any
person to or from the tenant's premises or the Building under the provisions of
this rule. Canvassing, soliciting, or peddling in the Building is prohibited,
and every tenant shall cooperate to prevent the same.

            3. No tenant shall obtain or accept for use in its demised premises
ice, food for on premises preparation other than warming, beverage towel,
barbering, boot blackening, floor polishing, lighting maintenance, cleaning, or
other similar services from any persons not authorized by the Landlord in
writing to furnish such services, provided that the charges for such services by
persons authorized by the Landlord are not excessive and where appropriate and
consonant with the security and proper operation of the Building sufficient
persons are so

                                       1E
<PAGE>

authorized for the same service to provide tenants with a reasonably competitive
selection. Such services shall be furnished only at such hours, in such places
within the Tenant's Demised Premises and under such reasonable regulations as
may be fixed by the Landlord. Tenant may have a coffee service, subject to
Landlord's approval, and a kitchen for the use of its employees commensurate
with normal office use.

            4. The cost of repairing any damage to the public portions of the
Building or the public facilities or to any facilities used in common with other
tenants, caused by a tenant or the employees, licensees, or invitees of the
tenant shall be paid by such tenant.

            5. No lettering, sign, advertisement, notice or object shall be
displayed in or on the windows or doors, or on the outside of any tenant's
demised premises, or at any point inside any tenant's premises where the same
might be visible outside of such demised premises, except that the name of the
tenant may be displayed on the entrance door of the tenant's demised premises,
and in the elevator lobbies of the floors which are occupied entirely by any
tenant, subject to the approval of the Landlord as to the size, color, and style
of such display. The inscription of the name of the tenant on the door of the
tenant's demised premises shall be done by the Landlord at the expense of the
tenant.

            6. No awnings or other projections over or around the windows shall
be installed by any tenant, and only such window blinds as are supplied or
permitted by the Landlord shall be used in a tenant's demised premises.
Linoleum, tile, or other floor covering shall be laid in a tenant's demised
premises only in a manner approved by the Landlord.

            7. The Landlord shall have the right to prescribe the weight and
position of safes and other objects of excessive weight, and no safe or other
object whose weight exceeds the lawful load for the area upon which it would
stand shall be brought into or kept upon a tenant's demised premises. If, in the
judgment of the Landlord, it is necessary to distribute the concentrated weight
of any heavy object, the work involved in such distribution shall be done at the
expense of the tenant and in such manner as the Landlord shall determine. The
moving of safes and other heavy objects shall take place only outside of
ordinary business hours upon the same upon previous notice to the Landlord, and
the persons employed to move the same in and out of the Building shall be
reasonably acceptable to the Landlord and if so required by law, shall hold a
Master Rigger's license. Freight, furniture, business equipment, merchandise,
and bulky matter of any description shall be delivered to and removed from the
demised premises only in the freight elevators and through the service entrances
and corridors, and only during hours and in a manner approved by the Landlord.
Arrangements will be made by the Landlord with any tenant for moving large
quantities of furniture and equipment into or out of the Building.

            8. No machines or mechanical equipment of any kind other than
typewriters and other ordinary portable business machines, may be installed or
operated in any tenant's demised premises without Landlord's prior written
consent, and in no case (even where the same are of a type so accepted or as so
consented to by Landlord) shall any machines or mechanical equipment be so
placed or operated as to disturb other tenants; but machines and mechanical
equipment which may be permitted to be installed and used in a tenant's demised
premises shall be

                                       2E
<PAGE>

so equipped, installed and maintained by such tenant as to prevent any
disturbing noise, vibration, or electrical or other interference from being
transmitted from such premises to any other area of the Building.

            9. No noise, including the playing of any musical instruments, radio
or television, which, in the judgment of the Landlord might disturb other
tenants in the building, shall be made or permitted by any tenant, and no
cooking shall be done in the tenant's demised premises, except as expressly
approved by the Landlord. Nothing shall be done or permitted in any tenants'
demised premises, and nothing shall be brought into or kept in any tenants'
demised premises, which would impair or interfere with any of the Building
services or the proper and economic heating, cleaning, or other servicing of the
Building or the demised premises, or the use of enjoyment by any other tenant of
any other demised premises, nor shall there be installed by any tenant any
ventilating, air conditioning, electrical or other equipment of any kind which,
in the judgment of the Landlord, might cause any such impairment or
interference. No dangerous, inflammable, combustible, or explosive object or
material shall be brought into the building by any tenant or with the permission
of any tenant. Any cuspidors or similar containers or receptacles used in any
tenants' demised premises shall be cared for and cleaned by and at the expense
of the tenant.

            10. No acids, vapors, or other materials shall be discharged or
permitted to be discharged into the waste lines, vents or flues of the Building
which may damage them. The water and wash closets and other plumbing fixtures in
or serving any tenant's premises shall not be used for any purpose other than
the purposes for which they were designed or constructed, and no sweepings,
rubbish, rags, acids or other foreign substances shall be deposited therein.

            11. No additional locks or bolts of any kind shall be placed upon
any of the doors or windows in any tenants' demised premises and no lock on any
door therein shall be changed or altered in any respect. Additional keys for a
tenant's demised premises and toilet rooms shall be procured only from the
Landlord, which may make a reasonable charge therefor. Upon the termination of a
tenant's lease, all keys of the tenant's demised premises and toilet rooms shall
be delivered to the Landlord.

            12. All entrance doors in each tenants' demised premises shall be
left locked, and all windows shall be left closed by the tenant when the
tenant's demised premises are not in use. Entrance doors shall not be left open
at any time.

            13. Hand trucks not equipped with rubber tires and side guards shall
not be used within the Building.

            14. All windows in each tenant's demised premises shall be kept
closed and all blinds therein above the ground floor shall be lowered when and
as reasonably required because of the position of the sun, during the operation
of the Building air conditioning system to cool or ventilate the tenant's
demised premises.

                                       3E
<PAGE>

            15. The Landlord reserves the right to rescind, alter, or waive any
rule or regulation at any time prescribed for the Building when, in its
judgment, it deems it necessary, desirable, or proper for its best interest and
for the best interests of the tenants, and no alteration or waiver of any rule
or regulation in favor of one tenant shall operate as an alteration or waiver in
favor of any other tenant. The Landlord shall not be responsible to any tenant
for the nonobservance or violation by any other tenant of any of the rules and
regulations at any time prescribed by the Building.

                                       4E
<PAGE>

                                    EXHIBIT F

                                   DEFINITIONS

            (a) The term "mortgage" shall mean an indenture of mortgage and deed
of trust to a trustee to secure an issue of bonds, and the term "mortgagee"
shall mean such a trustee.

            (b) The terms "include," "including," and "such as" shall each be
construed as if followed by the phrase "without being limited to."

            (c) References to Landlord as having no liability to Tenant or being
without liability to Tenant, shall mean the Tenant is not entitled to terminate
this Lease, or to claim actual or constructive eviction, partial or total, or to
receive any abatement or diminution of rent, or to be relieved in any manner of
any of its other obligations hereunder, or to be compensated

            (d) The term laws and/or requirements of public authorities and
words of like import shall mean laws and ordinances of any or all of the
Federal, state, city, county, and borough governments and rules, regulations,
orders and/or directives of any or all departments, subdivisions, bureaus,
agencies, or office thereof, or of any other governmental, public, or
quasipublic authorities, having jurisdiction in the premises, and/or the
direction of any public officer pursuant to law.

            (e) The term requirements of insurance bodies and words of like
import shall mean rules, regulations, orders, and other requirements of the New
Jersey Board of Fire Underwriters and/or similar body performing the same or
similar functions and having jurisdiction or cognizance of the Building and/or
the Demised Premises.

            (f) The term repair shall be deemed to include restoration and
replacement as may be necessary to achieve and/or maintain good working order
and condition.

            (g) Reference to termination of this Lease includes expiration or
earlier termination of the term of this Lease or cancellation of this Lease
pursuant to any of the provisions of this Lease or to law. Upon a termination of
this Lease, the term and estate granted by this Lease shall end at noon of the
date of termination as if such date were the date of expiration of the term of
this Lease and neither party shall have any further obligation or liability to
the other after such termination (i) except as shall be expressly provided for
in this Lease, or (ii) except for such obligation as by its nature or under the
circumstances can only be, or by the provisions of this Lease, may be performed
after such termination and, in any event, unless expressly otherwise provided in
this Lease, any liability for a payment which shall have accrued to or with
respect to any period ending at the time of termination shall survive the
termination of this Lease.

                                        1
<PAGE>

                                    EXHIBIT G

             SUBORDINATION, NON-DISTURBANCE AND ATTORNMENT AGREEMENT

      THIS AGREEMENT is made and entered into as of this _______day of ______,
199_, by and among _________________________________________ ("Tenant") and NEW
YORK LIFE INSURANCE COMPANY, a New York mutual insurance company [NEW YORK LIFE
INSURANCE AND ANNUITY CORPORATION, a Delaware corporation] (" Lender "), whose
principal address is 51 Madison Avenue, New York, New York, and METRO FOUR
ASSOCIATES LIMITED PARTNERSHIP ("Landlord ").

                                    RECITALS:

      A. Lender has made a mortgage loan (the " Loan ") to Landlord in the
amount of $40,000,000 secured by a mortgage (the" Mortgage ") on the real
property legally described in Exhibit "A" attached hereto (the " Premises ");

      B. Tenant is the present lessee under a lease dated ______________________
made by Landlord demising a portion of the Premises and other property (said
lease and all amendments thereto being referred to as the" Lease ");

      C. The Loan terms require that Tenant subordinate the Lease and its
interest in the Premises in all respects to the lien of the Mortgage and that
Tenant attorn to Lender; and

      D. In return, Lender is agreeable to not disturbing Tenant's possession of
the portion of the Premises covered by the Lease (the " Demised Premises "), so
long as Tenant is not in default under the Lease.

      NOW THEREFORE, in consideration for the mutual covenants contained herein
and other consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereby agree as follows:

                                   AGREEMENTS:

      1. Subordination. The Lease, and the rights of Tenant in, to and under the
Lease and the Demised Premises, are hereby subjected and subordinated to the
lien of the Mortgage and to any modification, reinstatement, extension,
supplement, consolidation or replacement thereof as well as any advances or
re-advances with interest thereon and to any mortgages or deeds trust on the
Premises which may hereafter be held by Lender.
<PAGE>
                                      -2-

      2. Tenant Not to be Disturbed. In the event it should become necessary to
foreclose the Mortgage or Lender should otherwise come into possession of title
to the Premises, Lender will not join Tenant in summary or foreclosure
proceedings unless required by law in order to obtain jurisdiction, but in such
event no judgment foreclosing the Lease will be sought, and Lender will not
disturb the use and occupancy of Tenant under the Lease so long as Tenant is not
in default under any of the terms, covenants or conditions of the Lease and has
not prepaid the rent except monthly in advance as provided by the terms of the
Lease.

      3. Tenant to Attorn to Lender. Tenant agrees that in the event any
proceedings are brought for foreclosure of the Mortgage, it will attorn to the
purchaser as the landlord under the Lease. The purchaser by virtue of such
foreclosure shall be deemed to have assumed and agreed to be bound, as
substitute landlord, by the terms and conditions of the Lease until the resale
or other disposition of its interest by such purchaser, except that such
assumption shall not be deemed of itself an acknowledgment by such purchaser of
the validity of any then existing claims of Tenant against any prior landlord
(including Landlord). All rights and obligations under the Lease shall continue
as though such foreclosure proceedings had not been brought, except as
aforesaid. Tenant agrees to execute and deliver to any such purchaser such
further assurance and other documents, including a new lease upon the same terms
and conditions of the Lease, confirming the foregoing as such purchaser may
reasonably request. Tenant waives the provisions (i) contained in the Lease or
any other agreement relating thereto and (ii) of any statute or rule of law now
or hereafter in effect which may give or purport to give it any right or
election to terminate or otherwise adversely affect the Lease and the
obligations of Tenant thereunder by reason of any foreclosure proceeding.

      4. Limitations. Notwithstanding the foregoing, neither Lender nor such
other purchaser shall in any event be:

      (a) liable for any act or omission of any prior landlord (including
Landlord);

      (b) obligated to cure any defaults of any prior landlord (including
Landlord) which occurred prior to the time that Lender or such other purchaser
succeeded to the interest of such prior landlord under the Lease;

      (c) subject to any offsets or defenses which Tenant may be entitled to
assert against any prior landlord (including landlord);

      (d) bound by any payment of rent or additional rent by Tenant to any prior
landlord (including Landlord) for more than one month in advance;

      (e) bound by any amendment or modification of the Lease made without the
written consent of Lender or such other purchaser; or

                                        3
<PAGE>
                                      -3-

      (f) liable or responsible for, or with respect to, the retention,
application and/or return to Tenant of any security deposit paid to any prior
landlord (including Landlord), whether or not still held by such prior landlord,
unless and until Lender or such other purchaser has actually received for its
own account as landlord the full amount of such security deposit.

      5. Acknowledgment of Assignment of Lease and Rent. Tenant acknowledges
that it has notice that the Lease and the rent and all other sums due thereunder
have been assigned or are to be assigned to Lender as security for the Loan
secured by the Mortgage. In the event that Lender notifies Tenant of a default
under the Mortgage and demands that Tenant pay its rent and all other sums due
under the Lease to Lender, Tenant agrees that it will honor such demand and pay
its rent and all other sums due under the Lease directly to Lender or as
otherwise required pursuant to such notice.

      6. Limited Liability. Tenant acknowledges that in all events, the
liability of Lender and any purchaser shall be limited and restricted to their
interest in the Premises and shall in no event exceed such interest.

      7. Lender's Right to Notice of Default and Option to Cure: Tenant will
give written notice to Lender of any default by Landlord under the Lease by
mailing a copy of the same by certified mail, postage prepaid, addressed as
follows (or to such other address as may be specified from time to time by
Lender to Tenant):

        To Lender:    New York Life Insurance Company
                      [New York Life Insurance and Annuity Corporation]
                      51 Madison Avenue
                      New York, NY 10010
                      Attn:  Senior Vice President
                             Mortgage Finance Department

Upon such notice, Lender shall be permitted and shall have the option, in its
sole and absolute discretion, to cure any such default during the period of time
during which the Landlord would be permitted to cure such default, but in any
event, Lender shall have a period of thirty (30) days after the receipt of such
notification to cure such default, provided, however, that in the event Lender
is unable to cure the default by exercise of reasonable diligence within such 30
day period, Lender shall have such additional period of time as may be
reasonably required to remedy such default with reasonable dispatch.

Tenant waives the provisions of any statute or rule of law now or hereafter in
effect which may give or purport to give it any right or election to terminate
or otherwise adversely affect the Lease and the obligations of Tenant thereunder
in connection with any foreclosure proceedings.

      8. Successors and Assigns. The provisions of this Agreement are binding
upon and shall inure to the benefit of the heirs, successors and assigns of the
parties hereof.

                                        4
<PAGE>
                                      -4-

      IN WITNESS WHEREOF, the parties hereto have executed these presents the
day and year first above written;

WITNESSED:                              TENANT:

-----------------------------------     ----------------------------------------
                                        By:
-----------------------------------         ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

                                        LENDER:

                                        NEW YORK LIFE INSURANCE COMPANY [NEW
                                        YORK LIFE INSURANCE AND ANNUITY
                                        CORPORATION]

-----------------------------------     ----------------------------------------
                                        By:
-----------------------------------         ------------------------------------
                                        Name:
                                              ----------------------------------
                                        Title:
                                               ---------------------------------

      The terms of the above Agreement are hereby consented, agreed to and
acknowledged.

                                        LANDLORD:

                                        METRO FOUR ASSOCIATES LIMITED
                                        PARTNERSHIP

-----------------------------------     ----------------------------------------
                                        By:
-----------------------------------         ------------------------------------
                                        Name:  Dominick Alfieri
                                        Title: General Partner

                                        5<PAGE>

                                                                   Exhibit 10.9

                            ARTICLE - REFERENCE DATA

       Each reference in this Lease to any of the following subjects shall be
construed to incorporate the data stated for that subject in this Article:

LANDLORD AND LANDLORD'S ADDRESS:

             Lisa Ryan, Jeanne Kubiak &
             Roberta Whittier, Trustees for
             HEGA REALTY TRUST
             c/o Hampstead Hospital
             East Road
             Hampstead, NH 03841

TENANTS AND TENANT'S ADDRESS:

             Systems Consulting Company, Inc.
             537 Congress Street, Suite 500
             Portland, Maine 04101
             883-5052(Mark Tilly @ Home)
             761-0079(Work)

SCHEDULED TERM COMMENCEMENT DATE: October 1, 1997

TENANT'S SPACE: 537 Congress Street, Suites 406, Portland, Maine

TERM: Two (2) years and one (1) month

BASE RENT: 10/1/97 - 9/30/98: $795.42/month ($11.50 psf)
           10/1/98 - 10/31/99: $830.00/month ($12.00 psf)

OPTION:    One (1) - two (2) year option;
           11/1/99 - 10/31/00: $864.58/month ($12.50 psf)
           11/1/00 - 10/31/01: $899.17/month ($13.00 psf)

SECURITY DEPOSIT: None

RENTABLE FLOOR AREA OF TENANT'S SPACE: Approximately 830 Square Feet

PERMITTED USES:     The premises may be used solely by the Tenant for the
                    sole purpose of carrying on general office uses,
                    including computer programming and consulting and for no
                    other use or purpose without the prior written consent
                    of the Landlord in each instance.

REQUIRED PUBLIC LIABILITY INSURANCE:

                    Bodily Injury - $1,000,000/1,000,000
                    Property Damage - $500,000

                                       1
<PAGE>

                              ARTICLE II - PREMISES

       In consideration of the rent and of the covenants hereinafter contained,
the Landlord does hereby lease to the Tenant, and Tenant hereby leases from the
Landlord certain space, situated on the fourth and fifth floor of the J.B. Brown
Building located at 537 Congress Street, Portland, Maine, which space is more
specifically known as Suites 406 and is hereinafter referred to as the premises.
Said premises shall be used by the Tenant only for those purposes designated in
Article II and for no other purpose or purposes.

                               ARTICLE III - TERM

       3.01 The term of this lease shall commence on October 1, 1997 and shall
terminate on October 31, 1999.

                                ARTICLE IV - RENT

       4.01 The tenant shall pay base rent in equal monthly installments in
advance on the first day of each month during the term hereof, said rent to be
prorated for Portions of a calendar month at the beginning or end of said term,
all payments to be made to the Landlord or to such agent and at such place as
the Landlord shall from time to time in writing designate, the following being
now so designated: DIRIGO MANAGEMENT COMPANY, INC., 45 EXCHANGE STREET.
PORTLAND, MAINE 04101. If Tenant does not pay base rent, supplemental and
additional rents by the 10th of each month, then the Landlord, in its sole
discretion, may charge, in addition to any other remedies it may have, a late
charge for each month or part thereof that the Tenant fails to pay. The late
charge shall be 5% multiplied by the amount unpaid. Any payments made by check
that are returned are subject to a $25.00 service charge.

       4.02 No payment by the Tenant or receipt by the Landlord of a lesser
amount than the monthly installments of rent herein stipulated shall be deemed
to be other than on account of the earliest stipulated rent nor shall any
endorsement or statement on any check or any letter accompanying any check or
payment as rent be deemed an accord and satisfaction, and the Landlord may
accept such check for payment without prejudice to the Landlord's right to
recover the balance of such rent or pursue any other remedy in this lease
provided.

                         ARTICLE V - LANDLORD COVENANTS

       5.01 Landlord covenants and agrees that it will without additional charge
furnish the following;

            (a) Heating and cooling of the Tenant's space;

            (b) Electricity;

            (c) Elevator service;

            (d) Water for drinking and ordinary sanitary purposes. If the Tenant
            requires water for any other purpose, it shall pay for the same and
            any sewer charges connected therewith, and shall at its own expense,
            install a meter or measuring

                                       2
<PAGE>

            device for said purpose unless the Landlord shall elect to supply
            water and invoice the Tenant for the same at the going rate charged
            by the utility company supplying the same;

            (e) Cleaning and janitor service in the common areas equal in scope,
            quality, and frequency to that provided in first class office
            buildings in the City of Portland;

            (f) Maintenance and repair of the roof, exterior walls, windows,
            structure, heating and plumbing systems, and electrical system and
            common areas and common facilities of the building as necessary to
            maintain them in good order and condition; provided however, that
            any such maintenance or repairs made necessary by fault or neglect
            of the Tenant or the employees and visitors of the Tenant shall be
            at the expense of the Tenant and the Tenant shall pay all costs
            thereof;

       5.02 The Landlord shall not be liable to anyone for interruption in or
cessation of any service rendered to the premises or building or agreed to by
the terms of this Lease, due to any accident, the making of repairs, labor
difficulties, trouble in obtaining fuel, electricity, service or supplies from
the sources from which they are usually obtained for said building, or any cause
beyond the Landlord's control; excepting the negligence or intentional acts of
the Landlord, its agents or employees, and except to the extent that the
liability of the Landlord is insured by virtue of a general comprehensive
Landlord public liability insurance policy, which the Landlord agrees to
maintain with respect to the building;

                          ARTICLE VI - TENANT COVENANTS

       6.01 The Tenant acknowledges by entry thereupon that said premises are in
good satisfactory order, repair and condition, and covenants during said term;

            (a) To pay, when due, all rent and other charges set forth herein;
            all charges for trash removal, for telephone, and other
            communication systems used at, and supplied to, the premises, and
            other utilities not provided by the Landlord; light bulbs and
            ballasts after initial installation;

            (b) To keep said premises in as good order, repair and condition as
            the same are in at the commencement of said term or may be put
            thereafter, damage by fire or unavoidable casualty and reasonable
            use and wear excepted; and, at the termination of this Lease,
            peaceably to yield up said premises and all additions, alterations
            and improvements thereto in such good order, repair and condition,
            first removing all goods and effects not attached to the premises,
            repairing all damage caused by such removal, and leaving the
            premises clean and tenantable. If the Landlord in writing permits
            the Tenant to leave any such goods and chattels at the premises, and
            the Tenant does so, the Tenant shall have no further claims and
            rights in such goods and chattels as against the Landlord or those
            claiming by, through or under the Landlord;

            (c) The Tenant shall not erect or install any sign or other type
            display whatsoever, upon the exterior of the building, without the
            prior express written consent of the Landlord; and the Landlord
            shall have the right to require that the

                                       3
<PAGE>

            Tenant's sign be of a particular type, size, quality, and style and
            that the same be placed and maintained in such location as the
            Landlord may designate; and the Tenant shall not use in, on or about
            the demised premises any advertising medium which may be heard or
            experienced outside thereof, such as flashing lights, flashlights,
            loudspeakers, phonograph records, or radio broadcasts without first
            having obtained the Landlord's written consent which shall not be
            unreasonably withheld;

            (d) Not to injure or deface said premises or building; not to permit
            on said premises any auction sale, inflammable fluids, chemicals,
            nuisance, objectionable odor; not to permit the use of said premises
            for any purpose other than set forth herein or any use thereof which
            is improper, offensive, contrary to law or ordinance, or liable to
            invalidate or increase the premiums for any insurance on the
            building or its contents or liable to render necessary any
            alterations or additions to the building;

            (e) Not to obstruct in any manner any portion of the building not
            hereby demised or the sidewalks or approaches to said building or
            any inside or outside windows or doors; and to conform to all
            reasonable rules and security regulations now or hereafter made by
            the Landlord for the care and use of said premises, the building,
            its facilities and approaches;

            (f) Not to assign this Lease nor make any sublease at any time
            without the Landlord's consent which shall not be unreasonably
            withheld; provided, however, that in the event of any such
            assignment, subletting, or permitted action by the Tenant, the
            Tenant shall continue until the end of the term hereof to be fully
            obligated to fulfill all of the terms and conditions hereof;

            (g) Not to make any alterations, nor to permit the making of any
            holes in any part of said building, nor to paint or place any signs,
            drapes, curtains, shades, awnings, aerials or flagpoles or the like,
            visible from the outside of said premises, that is, from outdoors or
            from any corridor or other common area within the building, nor to
            permit anyone except the Tenant to use any part of the premises for
            desk space or for mailing privileges without on each occasion
            obtaining prior written consent of the Landlord;

            (h) Not to move any safe, heavy equipment, freight, bulky matter or
            heavy fixtures in or out of the building except at such times and in
            such manner as the Landlord shall designate after written request
            from the Tenant; and to place and maintain business machines and
            mechanical equipment in such settings as will most effectively
            reduce noise and vibration;

            (i) Not to place a load upon any floor of the premises in excess of
            50 pounds live load per square foot or in violation of what is
            allowed by law;

            (j) That the Landlord may enter the premises to install, maintain,
            use, repair and replace pipes, ducts, wires, meters and any other
            equipment, machinery, apparatus and fixtures in said premises to
            serve said premises and to serve other parts of said building;

                                       4
<PAGE>

            (k) To save the Landlord harmless and indemnify as follows; (i) the
            Tenant covenants at its sole cost and expense at all times during
            the Lease Term to defend and save the Landlord free, harmless and
            indemnified from all injury, loss, claims or damage (including
            reasonable attorney's fees and expenses) to any person or property
            arising from, related to or in connection with the use and occupancy
            of the Demised Premises or conduct or operation of the Tenant's
            business, except for any loss caused by the negligence or willful
            misconduct of the Landlord, its agent or employees; (ii) the Tenant
            shall store its property in and shall occupy the Demised Premises
            and all other portions of the building at its own risk;

            (l) To maintain with responsible companies authorized to do business
            in the State of Maine and approved by the Landlord, liability
            insurance, with contractual liability endorsement covering the
            matters set forth in Subsection 1 above, against all claims, demands
            or actions for injury to or death of any one person in an amount of
            not less than One Million ($1,000,000) Dollars and for injury to or
            death of more than one person in an amount of not less than One
            Million ($1,000,000) Dollars and for damage to property in an amount
            of not less than Five Hundred Thousand ($500,000) Dollars made by or
            on behalf of any person, firm or corporation, arising from, related
            to, or connected with the conduct or operation of the Tenant's
            business, or caused by acts or omissions of the Tenant or anyone
            claiming a right to be on or about the property by reason of
            permission granted by the Tenant which is either express or implied,
            or by any of the Tenant's officers, agents, servants, suppliers,
            employees, or contractors. All insurance provided by the Tenant as
            required by this Subsection shall name the Landlord and the lessor
            under any underlying or overriding lease as additional insiders as
            their interests may appear and shall include the holder of any
            mortgage on the fee or on any underlying or overriding leasehold
            estate under a standard mortgagee clause to the extent the Landlord
            informs the Tenant of the same in writing. On or before the
            commencement date, the Tenant shall deliver to the Landlord the
            appropriate certificates, together with satisfactory evidence of the
            payment of the premiums associated therewith;

            (m) To hold all property of the Tenant, including fixtures,
            furniture, equipment and the like of the Tenant, or of any other
            owner situated at the premises, at the Tenant's own risk, and to pay
            when due all taxes assessed during the term of this Lease against
            any leasehold interest or personal property of any kind owned or
            placed in, upon or about said premises by the Tenant;

            (n) Upon reasonable advance notice, to permit the Landlord or its
            agents to examine the premises at reasonable times and, if the
            Landlord shall so direct, to make any repairs or additions and, at
            the Tenant's expense to remove any alterations, additions, signs,
            drapes, curtains, shades, awnings, aerials or flagpoles, or the
            like, not consented to in writing; and to show the premises to
            prospective tenants during the six (6) months preceding the
            expiration of this Lease;

            (o) To permit the Landlord at any time or times to decorate common
            areas, and to make, at its own expense, repairs, alterations,
            additions and improvements,

                                       5
<PAGE>

            structural or otherwise, in or to said building or any part thereof,
            and during such operations to take into and through said premises or
            any part of the building all materials required and to close or
            temporarily suspend operation of the entrances, doors, corridors,
            elevators or other facilities, Landlord agreeing, however, that it
            will carry out such work in a manner which will cause the Tenant a
            minimum inconvenience and business interruption;

            (p) Not to install any vending machines or food service equipment in
            the demised premises without first obtaining the Landlord's prior
            written approval, which approval shall not be unreasonably withheld;
            except for the Tenant's coffee machine, microwave and refrigerator;

            (q) To exercise reasonable efforts to prevent any employee of the
            Tenant from violating any covenant or obligation of the Tenant
            hereunder;

            (r) In the case of any lien attaching by reason of the conduct of
            the Tenant to immediately pay and remove the same; this provision
            shall not be interpreted as meaning that the Tenant has any
            authority or power to permit any lien of any nature or description
            to attach to or be placed upon the Landlord's title or interest in
            the building, the premises, or any portion thereof;

            (s) To keep the premises equipped with all safety appliances
            required by law or any public authority because of the use made by
            the Tenant of the premises;

            (t) That the rights and remedies to which the Landlord may be
            entitled under the terms of this Lease are cumulative and are not
            intended to be exclusive of any other rights or remedies to which
            the Landlord may be properly entitled in case of any breach or
            threatened breach by the Tenant of any portion of the Lease;

            (u) That acceptance by the Landlord of a lesser sum than the base
            rent, supplemental rent or other fees or charges then due shall not
            be deemed to be other than on account of the earliest installment of
            such rent or other fees or charges due, nor shall any endorsement or
            statement on any check or any letter accompanying any check or
            payment as rent or other payments be deemed an accord and
            satisfaction and the Landlord may accept such check or payment
            without prejudice to Landlord's right to recover the balance of such
            installment or pursue any other remedy in this Lease. The delivery
            of keys to any employee thereof shall not operate as a termination
            of this Lease or a surrender of the premises;

            (v) To pay Landlord's expenses, including reasonable attorney's
            fees, incurred in enforcing any obligation of this Lease which has
            not been complied with;

            (w) That without limitation of anything elsewhere herein contained,
            the Landlord may;

                  (i) designate and change the name and street address of the
                  building; provided, however, that the Landlord shall first
                  give reasonable notice thereof to the Tenant;

                                       6
<PAGE>

                  (ii) retain and use in appropriate instances keys to all doors
                  within and into the premises and to change the locks to the
                  premises if the Landlord deems it advisable and provides
                  Tenant with reasonable advance notice and keys to such new
                  locks. No lock shall be changed by the Tenant without prior
                  written consent of the Landlord;

                  (iii) enter upon the premises and exercise any and all of the
                  Landlord's rights without being deemed guilty of an eviction
                  or disturbance of the Tenant's use or possession and without
                  being liable in any manner to the Tenant;

             (x) That the Tenant shall not remove any of its fixtures from the
             premises at any time that the Tenant is in default under any of the
             terms of this Lease (except for white boards and bulletin boards);

             (y) In the event the Tenant wishes to provide outside services for
             the demised premises over and above those services to be provided
             by the Landlord as set forth herein, the Tenant shall first obtain
             the prior written approval of the Landlord for the installation
             and/or utilization of such services, which approval shall not be
             unreasonably withheld or delayed. "Outside services" shall include
             but shall not be limited to cleaning and moving services, security
             services, catering services and the like. In the event the Landlord
             approves the installation and/or utilization of such services, such
             installation and utilization shall be at the Tenant's sole cost,
             risk and expense.

                           ARTICLE VII - SUBORDINATION

       7.01 The Tenant agrees that, at the election of the Landlord, that this
Lease shall be subject and subordinate to the lien of any mortgage which may now
hereafter be placed on, encumber, or affect the real property of which the
premises are a part and to all renewals, modifications, consolidations, and
replacements. When requested to do so by the Landlord, the Tenant agrees to
execute, acknowledge, and deliver to the Landlord an instrument, in proper form
for recording, wherein the Tenant agrees to and does subordinate this Lease to
the lien of the mortgages above mentioned.

       The Landlord agrees to use its best efforts to promptly obtain from each
and every mortgagee of the premises a non-disturbance agreement whereby the
mortgagee shall agree that, should the mortgagee assume the management
responsibility for the premises, the mortgagee will permit the Tenant to
continue to operate under this Lease.

                ARTICLE VIII - CASUALTY DAMAGE AND EMINENT DOMAIN

       8.01 If at any time during the lease term the premises shall be damaged
or destroyed by fire or other casualty, then the Landlord shall have the
election to terminate this Lease or to repair and reconstruct the premises to
the condition thereof immediately prior to such damage or destruction. Unless
such fire or other casualty shall have been caused by the negligence of the
Tenant, its agents, employees, or invites, rent shall abate proportionately
during the period and to the extent that the premises are unfit for the use by
the Tenant in the ordinary conduct of its permitted uses hereunder. If the
Landlord has elected to repair and restore the premises,

                                       7
<PAGE>

this Lease shall continue in full force and effect and such repairs will be made
within a period of thirty (30) days. If the Landlord fails to complete such
repairs within thirty days of such fire or other casualty, the Tenant may
terminate this Lease, without any further liability hereunder, by written notice
to the Landlord.

       8.02 If the whole or any part of the demised premises shall be acquired
or condemned by eminent domain for any public or quasipublic use or purpose,
then and in that event, the term of this Lease shall cease and terminate from
the date of title vesting in such proceedings and the Tenant shall have no claim
against the Landlord for the value of any unexpired term of said lease and the
Tenant shall not be entitled to any part of any award that may be made for such
taking.

                           ARTICLE IX - TENANT DEFAULT

       9.01 The Tenant shall have thirty (30) days after written notice
requesting compliance is received from the Landlord to cure any default under
this Lease; provided that, notwithstanding the above, the Tenant shall have five
(5) days after the due date thereof (without any written notice requirement) to
cure any default in the payment of rent. If the Tenant shall abandon or vacate
said premises before the end of the term of this Lease, or shall suffer the rent
to be in arrears, or default under any of the terms or conditions of this Lease,
the Landlord may, at his option, forthwith cancel this Lease or he may enter the
premises as the agent of the Tenant, by force or otherwise, without being liable
in any way therefor, and relet the premises with or without any furniture that
may be therein, as the agent of the Tenant, at such price and upon such terms
and for such duration of time as the Landlord may determine, and receive the
rent therefor, applying the same to the payment of the rent due by these
presents, and if the full rental herein provided shall not be realized by the
Landlord in such reletting, the said Tenant shall pay any deficiency; or the
Landlord, at his option, may declare the entire rent for the balance of the term
hereof due and payable forthwith.

                         ARTICLE X - LANDLORD SELF-HELP

       If the Tenant shall default in the performance or observance of any
agreement or condition in this Lease contained on its part to be performed or
observed, other than an obligation to pay money, and shall not cure such default
as provided herein, the Landlord may, at its option, without waiving any claim
for damages for breach of this Lease, at any time thereafter, cure such default
for account of the Tenant, any amount paid or any liability incurred by the
Landlord in so doing shall be deemed paid or incurred for the account of the
Tenant, and the Tenant agrees to reimburse the Landlord thereof.

                          ARTICLE XI - LANDLORD DEFAULT

       The Landlord shall in no event be in default in the performance of any of
his obligations hereunder unless and until the Landlord shall have failed to
perform such obligations within thirty (30) days or such additional time as is
reasonably required to correct any such default after notice by the Tenant to
the Landlord properly specifying wherein the Landlord has failed to perform any
such obligation.

                                       8
<PAGE>

                              ARTICLE XII - NOTICES

       Any notice from the Landlord to the Tenant or from the Tenant to the
Landlord shall be deemed duly served if mailed by Certified Mail addressed, if
to the Tenant, at said premises after the term of this Lease has commenced and,
prior to that time, at Tenant's address or if to the Landlord, at the place from
time to time established for the payment of rent, and the customary Certified
Mail receipt shall be conclusive evidence of such service.

                      ARTICLE XIII - SUCCESSORS AND ASSIGNS

       The covenants and agreements of the Landlord and the Tenant shall run
with the land and be binding upon and inure to the benefit of them and their
respective heirs, executors, administrators, successors and assigns.

                             ARTICLE XIV - HOLDOVER

       In the event that the Tenant shall continue in occupancy of the Leased
Premises after the expiration of the term of this Lease or any earlier
termination thereof, such occupancy shall not be deemed to extend or renew the
term of this Lease, but, at the option of the Landlord, such occupancy shall
continue as a tenancy at will from month to month upon the covenants, provisions
and conditions herein contained and at 150% of the Base Rent and 150% of the
additional rent in effect during the last lease year of the term, prorated and
payable for the period of such occupancy. Except as specifically set forth
herein, this Article shall not be construed as giving the Tenant any right to
hold over after the expiration of the term hereof.

                          ARTICLE XV - QUIET ENJOYMENT

       The Landlord covenants and agrees with the Tenant that so long as the
Tenant pays the rent and observes and performs all the terms, covenants and
conditions on the Tenant's part to be observed and performed, the Tenant may
peaceably and quietly have, hold, occupy and enjoy the demised premises and all
appurtenances thereto without hinderance or molestation.

                      ARTICLE XVI - LIMITATION OF LIABILITY

       The Tenant agrees to look solely to the Landlord's interest in the
building and the Landlord's insurance for recovery of any judgment from the
Landlord; it being agreed that the Landlord is not personally liable for any
such judgment.

                         ARTICLE XVII - LANDLORD'S WORK

       17.01 The Landlord will construct the leased premises as described on
Exhibit B. Any Tenant work shall be performed by the Tenant at its own cost and
expense. Tenant's work may be performed only by contractors or subcontractors
approved in advance by the Landlord; such approval shall not be unreasonably
withheld. All Tenant's work shall be performed in a thoroughly first-class
workmanlike manner.

       17.02 The Tenant shall have access to the premises before the
commencement date of the lease term, provided, however, that the Tenant assumes
any risks attendant on its entry into the leased premises before the completion
thereof, as though this Lease were in effect.

                                       9
<PAGE>

                          ARTICLE XVIII - MISCELLANEOUS

       18.01 If the Tenant is more than one person or party, then the Tenant's
obligations shall be joint and several. Unless repugnant to the context,
"Landlord" and "Tenant" mean the person or persons, natural or corporate, named
above as the Landlord and the Tenant respectively, and their respective heirs,
executors, administrators, successors and assigns.

       18.02 The Landlord and the Tenant agree that this Lease shall not be
recordable. The Landlord and the Tenant shall enter into an agreement in
recordable form, setting forth the actual commencement and termination dates of
this Lease.

       18.03 If any provision of this Lease or its application to any person or
circumstances shall to any extent be invalid or unenforceable, the remainder of
this Lease or the application of such provision to persons or circumstances
other than those as to which it is invalid or unenforceable, shall not be
affected thereby and each provision of this Lease shall be valid and enforceable
to the fullest extent permitted by law.

       18.04 All alterations, decorations, partitions, installations, carpeting,
additions or improvement upon the demised premises, made by either party,
including, but not limited to, all paneling, decorations, partitions, railings,
and the like, affixed to the realty shall, unless the Landlord elects otherwise,
become the property of the Landlord and shall remain at the premisses upon, at
the end of the Lease Term. In the event the Landlord shall so elect, then such
alterations, decorations, installations additions or improvements made by the
Tenant upon the demised premises as the Landlord shall designate, shall be
removed by the Tenant and the Tenant shall restore the demised premises to its
original condition at the Tenant's sole expense at or prior to the Expiration
Date or such other earlier termination of this Lease.

       18.05 The Tenant shall deposit $00.00 with the Landlord at the signing of
this Lease, which deposit may at the Landlord's sole option be used to cure any
default hereunder by the Tenant, including costs for damage to the leased
premises or missing items, and the Tenant agrees to immediately reimburse the
Landlord for any such sum so applied from the deposit. SAID DEPOSIT SHALL NOT BE
USED AS THE RENT FOR THE FINAL MONTH OF THE TERM. The Landlord agrees to refund
to the Tenant the deposit, less sums expended in accordance with the Lease,
within 7 days of the termination of the lease.

       18.06 The submission of this Lease or a summary of some of or all of its
provisions for examination by the Tenant does not constitute a reservation of or
option for the premises or an offer to lease said premises.

                      ARTICLE XIX - NO HAZARDOUS MATERIALS

       19.01 Tenant agrees it shall not cause or permit to occur any violation
of any federal, state or local law, ordinance or regulation now or hereafter
enacted, related to environmental conditions on, under or about the Demised
Premises or arising from Tenant's use or occupancy of the Demised Premises,
including but not limited to soil and groundwater conditions. It is further
agreed Tenant shall not permit the use, generation, release, manufacture,
refining, production, processing, storage, or disposal of any hazardous
substances on, under or about the Demised Premises or the transportation to or
from the Demised Premises of any hazardous substance.

                                       10
<PAGE>

       Tenant further agrees it shall indemnify, defend and hold harmless,
Landlord, the manager of the property and their respective officers, directors,
beneficiaries, shareholders, patrons, agents and employees from all fines,
suits, procedures, claims and actions of every kind and costs associated
therewith (including attorneys' and consultants' fees) arising out of or in any
way connected with any deposit, spill, discharge or other release of hazardous
substances by the Tenant that occurs during the term of this Lease at or from
the Demised Premises or which is caused by Tenant at any time from Tenant's use
or occupancy of the Demised Premises or from Tenant's failure to provide all
information, make all submissions and take all steps required by all authorities
under the laws and all other environmental laws. Tenant's obligations and
liabilities under this Article (XIX) shall survive the expiration of this Lease.

                       ARTICLE XX - ESTOPPEL CERTIFICATES

       20.01 Landlord and Tenant agree, at any time and from time to time, upon
not less than five (5) business days' prior written request by the other, to
execute, acknowledge and deliver to the requesting party a statement in writing
certifying that this Lease is unmodified and in full force and effect (or, if
there have been modifications, that the same are in full force and effect as
modified and stating the modifications), that to the knowledge of such party no
uncured defaults exist hereunder (or if any such defaults exist, specifying the
same), and the dates to which the rents and other charges due hereunder have
been paid in advance, if any, it being intended that any such statement
delivered pursuant to this Article may be relied upon by any prospective
purchase or mortgagee of, or assignee of any mortgage upon, the building.

      Executed this 25 day of September, 1997.

 WITNESS:                   BY:

                                 /s/ Peter S. Skapinsky
--------------------             ------------------------------------
                                 Landlord: Peter S. Skapinsky
                                 Authorized Agent for HEGA Realty Trust

--------------------             ------------------------------------
                                 Tenant: Systems Consulting Company, Inc.
                                 By Mark C. Tilly, Its /s/ Mark C. Tilly
                                                       -----------------
                                                       Executive Vice President

                                 /s/ Alan Hyman
--------------------             ------------------------------------
                                 Tenant: Systems Consulting Company, Inc.
                                 By Alan Hyman, Its
                                                    --------------------
                                                    Chairman

                                       11
<PAGE>

                                    EXHIBIT A

                              RULES AND REGULATIONS

1.    The sidewalks, entrances, driveways, passages, courts, elevators,
      vestibules, stairways, corridors or halls shall not be obstructed or used
      for any purpose other than for ingress to and egress from the demised
      premises and for delivery of merchandise and equipment in a prompt and
      efficient manner, using elevators and passageways designated for such
      delivery by Landlord. There shall not be used in any space, or in public
      hall of the building, either by any Tenant or by jobbers or others in the
      delivery or receipt of merchandise, any hand trucks, except those equipped
      with rubber tires and sideguards.

2.    The water and wash closets and plumbing fixtures shall not be used for any
      purposes other than those for which they were designed or constructed and
      no sweepings, rubbish, rags, acids or other substances shall be deposited
      therein, and the expense of any breakage, stoppage, or damage resulting
      from the violation of this rule shall be borne by the Tenant who, or whose
      clerks, agents, employees or visitors, shall have caused it.

3.    No carpet, rug or other article shall be hung or shaken out of any window
      of the building; and no Tenant shall sweep or throw or permit to be swept
      or thrown from the demised premises any dirt or other substances into any
      of the corridors or halls, elevators, or out of the doors or windows or
      stairways of the building, and Tenant shall not use, keep or permit to be
      used or kept any foul or noxious gas or substance in the demised premises,
      or permit or suffer the demised premises to be occupied or used in a
      manner offensive or objectionable to Landlord or other occupants of the
      building by reason of noise, odors and/or vibrations, or interfere in any
      way with other tenants or those having business therein, nor shall any
      animals or birds be kept in or about the building. Smoking or carrying
      lighted cigars or cigarettes in the elevators of the building is
      prohibited.

4.    No curtains, blinds, shades, or screens other than those furnished by
      Landlord shall be attached to, hung in or used in connection with any
      window or door of the Premises without the prior written consent of
      Landlord.

5.    No advertisement, notice or other lettering shall be exhibited, inscribed,
      painted or affixed by any Tenant on any part of the outside of the demised
      premises or the building or on the inside of the demised premises if the
      same is visible from the outside of the premises without the prior written
      consent of Landlord, except that the name of Tenant may appear on the
      entrance door of the premises. In the event of the violation of the
      foregoing by any Tenant, Landlord may remove same without any liability,
      and may charge the expense incurred by such removal to Tenant or Tenants
      violating this rule. Interior signs on doors and directory tablet shall be
      inscribed, painted or affixed for each Tenant by Landlord at the expense
      of such Tenant, and shall be of a size, color and style acceptable to
      Landlord.

6.    No boring, butting or stringing of wires shall be permitted, except with
      the prior written consent of Landlord, and as Landlord may direct. No
      Tenant shall lay linoleum, or other similar floor covering, so that the
      same shall come in direct contact with the floor of the demised premises,
      and, if linoleum or other similar floor covering is desired to be used

                                       12
<PAGE>

      in interlining of builder's deadening felt shall be first affixed to the
      floor, by a paste or other material, soluble in water, the use of cement
      or other similar adhesive material being expressly prohibited.

7.    No additional locks or bolts of any kind shall be placed upon any of the
      doors or windows by any Tenant, nor shall any changes be made in existing
      locks or mechanism thereof. Each Tenant must, upon the termination of his
      tenancy, restore to Landlord all keys of stores, offices and toilet rooms,
      either furnished to, or otherwise procured by, such Tenant, and in the
      event of the loss of any keys, so furnished, such Tenant shall pay to
      Landlord the cost thereof.

8.    Freight, furniture, business equipment, safes, merchandise and bulky
      matter of any description shall be delivered to and removed from the
      premises only on the freight elevators and through the service entrances
      and corridors, and only during hours and in a manner approved by Landlord.
      Landlord reserves the right to inspect all freight to be brought into the
      building and to exclude from the building all freight which violates any
      of these Rules and Regulations of the Lease of which these Rules and
      Regulations are a part.

9.    Canvassing, soliciting and peddling in the building is prohibited and each
      Tenant shall cooperate to prevent the same.

10.   Landlord shall have the right to prohibit any advertising by any Tenant
      which, in Landlord's opinion, tends to impair the reputation of the
      building or its desirability as building for offices, and upon written
      notice from Landlord, Tenant shall refrain from or discontinuing such
      advertising.

11.   Tenant shall not bring or permit any odors of cooking or other processes,
      or any unusual or other objectionable odors to permeate in or emanate from
      the demised premises.

12.   Tenant shall comply with all security measures from time to time
      established by Landlord for the Building.

13.   Tenant assumes full responsibility for protecting its space from theft,
      robbery and pilferage, which includes keeping doors locked and any other
      means of entry to the Premises closed and secured.

14.   Tenant shall not install and operate machinery or any mechanical devices
      of a nature not directly related to Tenant's ordinary use of the Premises
      without the written permission of Landlord.

15.   No person or contractor not employed or approved by Landlord shall be used
      to perform window washing, cleaning, repair or other work in the Premises.

16.   No vending machines other than those furnished by the Landlord are to be
      placed in any hallways or building common areas.

                                       13
<PAGE>

                           EXHIBIT B - LANDLORD'S WORK

Reopening of the doorway between suites 404 & 406.

                               EXHIBIT C - OPTIONS

       At any time during which the Tenant is not in default under this Lease,
the Tenant shall have one (1) option to renew this for an additional term of two
(2) years by giving the Landlord written notice of its election to do so at
least six (6) months before the date the original Lease term expires. The
annual/monthly rent payable during the option term shall be at the rates shown
on page 1, Article I.

                                       14

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