Document:

EXHIBIT 10.1

                               FRANCHISE AGREEMENT

     THIS FRANCHISE AGREEMENT ("Agreement") is executed in Scottsdale, Arizona
as of the date stated below, between Fitness For Life Franchise Corporation, an
Arizona corporation ("FFL"), and ____________________, of ____________________
("Franchisee").

                                    RECITALS:

     A.   FFL is engaged in the business of franchising a unique and
          comprehensive system of providing individualized personal fitness
          training (the "FFL Franchise System").

     B.   FFL has expended time, skill, effort and money to develop a business
          plan in connection with the operation of franchises using certain
          standards, specifications, methods, procedures, techniques, systems,
          and information, all of which may be enhanced, improved and further
          developed from time to time by FFL.

     C.   The distinguishing characteristics of the FFL Franchise System
          include, but are not limited to the interior layout and design, color
          scheme, signage and equipment, the name and mark "Fitness For Life 1
          Client, 1 Trainer, 1 Goal" and "Fitness Together 1 Client, 1 Trainer,
          1 Goal" together with such other trade names, service marks,
          trademarks, copyrights, titles, symbols, emblems, slogans, insignia,
          designs, diagrams, artworks, worksheets, originals, manuals,
          techniques, rules, ideas, philosophies, illustrations, course
          materials, advertising and promotional materials, and other audio,
          video and written materials as FFL has developed and designated for
          use in connection with the FFL Franchise System, and as FFL may
          hereafter acquire or develop and designate for use in connection with
          the FFL Franchise System ("Proprietary Assets").

     D.   Franchisee desires to operate a franchise using the FFL Franchise
          System and the Proprietary Assets in the territory described in
          Paragraph 1 on the terms and conditions set forth herein, which terms
          and conditions are reasonably necessary to maintain FFL's standards of
          quality and service, protect the good will and enhance the public
          image of the FFL Franchise System and Proprietary Assets.

     E.   Franchisee has been informed and hereby acknowledges his or her
          understanding of the fact that the successful operation of the
          franchise will depend primarily upon the efforts, capabilities and
          management skills of Franchisee, as well as efficient operation of the
          franchised business, the general economic trends and local marketing
          conditions. FFL makes no claims or representations whatsoever
          regarding potential sales, profits or earnings achievable by
          Franchisee.

                                       40

<PAGE>

     NOW, THEREFORE, the parties agree:

                              1. GRANT OF FRANCHISE

1.1  FFL hereby grants to Franchisee the right to own and operate one (1) FFL
     Franchise System basic franchise ("Franchise") within the territory
     described on Exhibit A ("Territory").

1.2  This Agreement grants to Franchisee the individual franchised territory
     within which FFL and Franchisee contractually, mutually agree to refrain
     from establishing or franchising others to establish another FFL center.
     Franchisee is unrestricted as to the geographic area into which it may go
     to solicit business as an FFL franchise owner. Franchisee may relocate the
     franchised business only with FFL's prior written approval and conditioned
     on meeting and agreeing to FFL relocation criteria. FFL approval will be
     based on a variety of factors, including the viability of the then-current
     location and conditions of the area, potential modifications of the
     Territory, new design and current upgrades.

     FFL agrees that during the term of the Franchise Agreement and as long as
     Franchisee is not in default under this Agreement and all other agreements,
     FFL or its affiliates, if any, will not establish or operate, nor license
     any other person to establish or operate a business selling or providing
     individualized personal fitness training within the Territory. FFL reserves
     the right to franchise and/or operate fitness centers or other franchises
     at its sole discretion in any area or territory outside and/or contiguous
     to the Territory.

     The size of the Territory granted to Franchisee will be a function of the
     market conditions of the area. Territory boundaries will be delineated by
     street, highways, waterways, city or county borders or other such lines of
     demarcation. Boundary lines shall be defined as extending only to the
     middle of boundary line of demarcation, e.g., to the middle of a street or
     highway, and another FFL center franchise may be located on the boundary
     line, but outside of Franchisee's Territory. The typical territory will
     include an area of five (5) miles in any direction from the Franchise
     location and/or a daytime population base of 80,000 in densely populated
     areas.

     Continuation of the Territory shall be for the initial term of the
     Franchise Agreement and shall be subject to the modification or elimination
     at FFL's sole discretion at time of transfer and renewal.

     The Franchise Agreement does not provide Franchisee with any options,
     rights of first refusal or similar rights to acquire additional franchises
     within the Territory or areas contiguous to the Territory. Franchisee's
     Territory may be altered during the initial term only by mutual consent in
     writing by both Franchisee and FFL, except at time of transfer or renewal.

1.3  FFL hereby licenses to Franchisee the right to use the FFL Franchise System
     and the Proprietary Assets in connection with the operation of the
     Franchise.

                               2. TERM AND RENEWAL

2.1  This Franchise shall expire ten (10) years from the effective date of this
     Agreement.

2.2  Franchisee may, at its option, renew the Franchise and the right to use the
     FFL Franchise System and the Proprietary Assets in connection with the
     operation of the Franchise for two (2) additional terms

                                       41

<PAGE>

     of five (5) years each, provided that prior to the expiration of the
     initial term or each renewal term, as the case may be:

     (a)  Franchisee gives FFL written notice of its election to renew not less
          than six (6) months nor more than twelve (12) months prior to the end
          of the initial term or each renewal term, as the case may be;

     (b)  Franchisee is not, when written notice of its election to renew is
          given or at any time subsequent thereto, in default of any provisions
          of this Agreement or any other agreement between Franchisee and FFL,
          including any other Franchise Agreement, and has substantially
          complied with the terms and conditions of all such agreements during
          the initial term, or during each renewal term, as the case may be;

     (c)  All monetary obligations owed by Franchisee to FFL have been satisfied
          prior to the renewal and paid when due throughout the initial term, or
          throughout any renewal term, as the case may be;

     (d)  Franchisee executes FFL's then-current standard form of Franchise
          Agreement, which may contain terms and conditions different from those
          set forth herein, but which shall not alter Franchisee's renewal
          rights or monthly royalty obligation, or require Franchisee to pay an
          additional Initial Franchise Fee;

     (e)  Franchisee executes a general release in a form satisfactory to FFL,
          of any and all claims against FFL and its officers, directors,
          members, shareholders and employees, in their corporate and individual
          capacities, including, without limitation, claims arising under
          federal, state and local laws, rules and ordinances; and

     (f)  Franchisee and any other person who has an interest in the Franchise
          (if Franchisee is a group of individuals or a corporation, limited
          liability company, partnership, unincorporated association or similar
          entity) attends and satisfactorily completes such refresher training,
          if any, as FFL may require, in its sole discretion, at such time and
          place prior to expiration of the initial term or each renewal term as
          FFL may reasonably designate, it being understood that all costs for
          travel, sustenance, lodging and other expenses in any way related to
          such training shall be borne by Franchisee, and that all costs
          relating to verbal advice, written advice or materials unilaterally
          supplied at such training shall be borne by FFL.

     (g)  Franchisee pays a renewal fee of twenty-five percent (25%) of the
          then-current initial FFL franchise fee. Franchisee must execute and be
          bound by the then-current Franchise Agreement for the sale of new FFL
          centers. Franchisee will be required to upgrade, remodel and refurbish
          the franchise center premises and the inside and outside must be
          brought up to the then-current standards, graphics and signs will need
          to be replaced if necessary and all equipment updated to the
          then-current requirements.

                                     3. FEES

3.1  Franchisee shall pay to FFL the sum of Twenty-Four Thousand and No/100
     Dollars ($24,000.00) as an Initial Franchise Fee. The Initial Franchise Fee
     is payable no earlier than ten (10) business days after Franchisee's
     receipt of a copy of the Offering Circular, but no later than at the time
     of the

                                       42

<PAGE>

     execution of the Franchise Agreement. The Initial Franchise Fee is fully
     earned by FFL when paid and is not refundable.

3.2  FFL may, from time to time, offer programs to existing qualified franchise
     owners to open multiple centers. In these cases, FFL, at its option, may
     elect to reduce the Initial Franchise Fee for each additional franchise,
     offer financing, defer the Initial Franchise Fee and/or provide other
     options at its discretion.

3.3  Franchisee shall pay to FFL a continuing monthly royalty of five percent
     (5%) of its gross monthly receipts on the tenth (15th) day of the first
     full calendar month after the execution of this Agreement, and on the tenth
     day of each month thereafter during the initial term of the Franchise and
     any renewal terms.

3.4  Gross monthly receipts shall include all receipts of Franchisee for
     individualized personal training whether at the Franchisee's regular place
     of business, from off-site training and the sales of merchandise and shall
     include, cash, credit and electronic funds transfer sales consisting of all
     amounts invoiced or received for services, goods or merchandise sold by
     Franchisee, exclusive of sales, use or privilege taxes thereon.

3.5  Franchisee may, at its option, purchase from or through FFL such equipment
     and materials (beyond those initially supplied pursuant to Paragraph 4.4
     and those agreed to be purchased) as FFL may from time to time make
     available to Franchisee at prices set forth from time to time in the
     Operations Manual.

3.6  With regard to all sums owed to FFL that are in arrears, Franchisee shall
     pay FFL a late fee of five percent (5%) of the amount due or Fifty and
     No/100 Dollars ($50.00) for each month or portion of months that such
     amount is in arrears, whichever is greater.

3.7  If a default notice is sent to Franchisee, Franchisee shall pay FFL a fee
     of Fifty and No/100 Dollars ($50.00).

3.8  When activated, Franchisee shall join and participate as a member of FFL's
     Electronic Mail and Communications Network ("FFLnet") linking franchisees
     with each other and the Corporate Office and complete FFL software license.

     When operational, Franchisee agrees to participate in a FFL Electronic
     Funds Transfer program by allowing FFL to electronically transfer directly
     to and from Franchisee's bank account.

     Electronic Funds Transfer from Franchisee's bank account may include, but
     are not limited to, royalty, lease and note payments and supplies and
     equipment. Electronic Funds Transfer will allow FFL to collect royalty,
     lease and note payments and supplies and equipment payments in conjunction
     with the ability of Franchisee to electronically submit royalty reports and
     receive center financial account information via FFLnet.

3.9  FFL has developed and custom designed a software package for conducting
     accounting and related activities ("Proprietary Software Package"). The
     Proprietary Software Package is proprietary and confidential information of
     FFL. Franchisee must comply with FFL's standards regarding the Proprietary
     Software Package as explained in the confidential Operations Manual. FFL
     will lease the

                                       43

<PAGE>

     Proprietary Software Package to Franchisee at no charge. The cost of any
     leases of or updates to the Proprietary Software Package will be included
     in the continuing services and royalty fee.

     Franchisee must upgrade any hardware component or software program at any
     time during the term of this Agreement to be compatible with the
     Proprietary Software Package required by FFL. The Proprietary Software
     Package will be compatible with the hardware and software described in the
     paragraph above. FFL will not require Franchisee to upgrade more than twice
     during the term of this Agreement at a cost of not more than Two Thousand
     Five Hundred and No/100 Dollars ($2,500.00).

3.10 Franchisee agrees that it shall not, on grounds of the alleged
     nonperformance by FFL of any of its obligations under this Agreement,
     withhold payment of any fee or other amount payable to FFL under this
     Agreement or otherwise.

                              4. OBLIGATIONS OF FFL

4.1  FFL, commencing at its next regular training session, will conduct for
     Franchisee and/or Franchisee's manager (and others designated by FFL), a
     comprehensive training program ("Initial Training") so as to inform
     Franchisee of the methods, procedures and techniques contained in the FFL
     Franchise System. Initial Training will be conducted during normal business
     hours at FFL's principal place of business in Castle Rock, Colorado or at
     such other site in the State of Colorado as FFL shall designate. Franchisee
     and/or its manager is required to attend and successfully complete such
     training program. The Initial Training session will be for a duration of
     four to seven (4 - 7) days. All costs for travel, sustenance, lodging and
     other expenses in any way related to Initial Training shall be borne by
     Franchisee.

     Franchisee will not be required to attend an Initial Training course
     conducted at a FFL designated location with the second or additional
     Franchises purchased by Franchisee.

4.2  FFL or its designee will provide advice to Franchisee regarding the conduct
     of Franchisee's business at reasonable times. Franchisee and a reasonable
     number of Franchisee's staff members may attend subsequent training
     sessions ("Subsequent Training") that may be provided by FFL or its
     designee. All costs related to Subsequent Training shall be borne by
     Franchisee. Arrangements must be made by Franchisee and its staff members
     prior to their participation in any training offered by FFL or its
     designee.

4.3  FFL shall make available to Franchisee, directly or through a designee:

     (a)  Such assistance as FFL determines is required in connection with the
          opening and operation of the Franchise;

     (b)  Such merchandising, marketing and other data and advice as may from
          time to time be developed by FFL and deemed by it to be helpful in the
          operation of the Franchise;

     (c)  Such individual or group advice, consultation and assistance rendered
          by telephone, newsletters or bulletins as FFL may deem necessary or
          appropriate from time to time;

     (d)  Such other resources and assistance as may be developed and offered by
          FFL to its franchisees.

4.4  FFL will promptly provide Franchisee with a list of equipment and supplies
     as set forth in Exhibit B. FFL will also give Franchisee a list of approved
     manufacturers, suppliers and distributors authorized

                                       44

<PAGE>

     for the Franchise and a list of approved inventory, products, fixtures,
     furniture, signs, stationary, supplies and other items or services
     necessary to operate the Franchise. If Franchisee would like to sell or use
     any product, material or supply or purchase any products from a supplier
     not on either of these lists, it must notify FFL and may need to submit
     samples and other information to FFL so that FFL can make an informed
     decision as to whether the product or supplier meets FFL's standards.
     Franchisee may be charged for the costs of FFL's testing of a product or
     supplier. FFL will approve or disapprove submitted items within ten (10)
     days. Any item used in the Franchisee's business which is not specifically
     required to be purchased in accordance with the approved lists will conform
     to FFL's established standards.

                           5. LIMITATIONS OF FRANCHISE

5.1  Franchisee acknowledges that FFL is the exclusive owner of the Proprietary
     Assets and of the standards, specifications, operating procedures and other
     elements of the FFL Franchise System and further acknowledges that any
     modifications to the FFL Franchise System or any substitutions or additions
     to the Proprietary Assets suggested or developed by Franchisee and approved
     by FFL shall be owned exclusively by FFL and may be incorporated by FFL
     into the Proprietary Assets. Franchisee shall use the FFL Franchise System
     and the Proprietary Assets at one (1) physical location strictly in
     accordance with the terms of this Agreement and all policies set forth from
     time to time in the Operations Manual. Any unauthorized use of the FFL
     Franchise System or the Proprietary Assets is and shall be deemed to be an
     infringement of FFL's rights. Except as expressly provided in this
     Agreement, Franchisee shall acquire no right, title or interest in or to
     the FFL Franchise System or the Proprietary Assets. All good will
     associated with the FFL Franchise System and the Proprietary Assets used by
     Franchisee shall inure exclusively to FFL's benefit; and upon the
     termination of the Franchise, no monetary amount shall be assigned as
     attributable to any good will associated with Franchisee's use of the FFL
     Franchise System or the Proprietary Assets. Franchisee shall at no time
     take any action whatsoever to contest the validity, ownership,
     distinctiveness or enforceability of the Proprietary Assets and the good
     will associated therewith. Franchisee agrees that any use by Franchisee of
     all or any part of the FFL Franchise System or the Proprietary Assets
     contrary to any provision of this Agreement or any use by Franchisee of any
     confusingly similar method, format, procedure, technique, system, name,
     mark, symbol, emblem, slogan, insignia, term, designation, design, diagram,
     promotional material or course material, during or after the term of this
     Agreement, shall cause irreparable injury to FFL, shall constitute a
     material breach of his Agreement and shall entitle FFL to temporary,
     preliminary or permanent injunctive relief from a court of competent
     jurisdiction, court costs, reasonable expenses of litigation, reasonable
     attorneys' fees and any other appropriate remedies.

5.2  Franchisee shall operate and advertise under the name "Fitness Together 1
     Client, 1 Trainer, 1 Goal" and use the service mark "Fitness Together 1
     Client, 1 Trainer, 1 Goal." Franchisee shall have no right to use in its
     corporate, limited liability company, partnership or similar entity name,
     the name "Fitness Together" or any other trade names or marks used by FFL.
     Upon termination of Franchisee for any reason whatsoever, Franchisee shall
     immediately take any steps necessary to eliminate the use of the name and
     service marks of FFL. Franchisee shall identify itself as a FFL franchisee
     on its stationery, business cards and other similar material used and
     distributed in connection with the franchised business. Franchise shall
     submit its stationery, business cards and other similar material to FFL for
     approval within thirty (30) days from the date hereof. Franchisee must not
     use in advertising or any other form of promotion, the copyrighted
     materials, trademarks, service marks or

                                       45

<PAGE>

     commercial symbols of FFL without the appropriate notices which may be
     required by law such as (C), etc.

5.3  The Franchise and the right to use the FFL Franchise System and the
     Proprietary Assets granted hereunder are exclusive within the Territory,
     except for the right of FFL or its other franchisees to advertise within
     the Territory. FFL retains the right in its sole discretion to grant
     franchise rights to other persons outside the Territory, subject to the
     terms and conditions of this Agreement.

5.4  FFL retains the right in its sole discretion to develop, use and franchise
     the rights to any systems, trade names, trademarks, service marks, trade
     symbols, emblems, signs, slogans, insignia, or copyrights not designated by
     FFL as part of the FFL Franchise System or the Proprietary Assets, at any
     location, including within the Territory, on such terms and conditions as
     FFL may deem advisable, and without granting Franchisee any rights therein.

5.5  Because complete and detailed uniformity under many varying conditions may
     not be possible or practical, FFL specifically reserves the right and
     privilege, in its sole discretion and as it may deem to be in the best
     interests of all concerned and in any specific instance, to vary standards
     for any franchisees based upon the peculiarities of a particular territory,
     density of population, business potential, business practice or other
     condition important to the successful operation of such franchise owner's
     business. FFL may grant to franchisees variations from standard
     specifications and practices as FFL determines in its sole discretion, and
     FFL shall have no obligation to grant Franchisee like or similar
     variations.

5.6  If Franchisee will occupy the premises under lease, FFL will have final
     ultimate approval of the lease. The lease must include the following terms
     and conditions:

     (a)  That the initial term of the lease, or the initial term together with
          the renewal term, must be not less than five (5) years.

     (b)  That the lessor consents to Franchisee's use of such proprietary marks
          and signage as FFL may require for the franchised business.

     (c)  That the use of the premises be restricted solely to the operation of
          the franchised business.

     (d)  That Franchisee be prohibited from sub-leasing or assigning all or any
          part of his or her occupancy rights or extending the terms of or
          renewing the lease without FFL's prior written consent.

     (e)  That the lessor provide to FFL copies of any and all notices of
          default given to Franchisee under the lease.

     (f)  That FFL have the right to enter the premises to make modifications
          necessary to protect the proprietary marks for the FFL Franchise
          System, or to cure any default under the Franchise Agreement or under
          the lease.

     (g)  That FFL (or its designee), have the option, upon default, expiration
          or termination of the Franchise Agreement, and upon notice to the
          lessor, to assume all of the Franchisee's rights under the lease terms
          (including rent payments), including the right to assign or sub-lease.

                                       46

<PAGE>

          Further, FFL shall have the right to remove its equipment and signage
          in the event of the above.

     (h)  That lessor agrees not to lease space, or continue to lease space if
          tenant is not doing business as (dba) Fitness Together.

                     6. ADVERTISING; FRANCHISEE'S EMPLOYEES
                       AGENTS AND INDEPENDENT CONTRACTORS

6.1  Franchisee shall, prior to conducting any advertising, submit to FFL a copy
     of any such advertising not prepared by FFL and a description of the manner
     in which Franchisee intends to disseminate the advertising. FFL shall have
     the right to disapprove or place conditions upon the text, except with
     respect to the prices to be charged, artistic composition, manner of
     dissemination or any other time with respect to the advertising by written
     notice to Franchisee given within fifteen (15) days of FFL's receipt of the
     advertisement. Notwithstanding anything to the contrary contained herein,
     Franchisee may not disseminate any advertising through the United States
     mail in any manner that would be in conflict with any mailing rights
     granted by FFL to any other franchisee.

6.2  FFL acknowledges that Franchisee may hire one (1) or more employees, agents
     or independent contractors to assist in the operation of the Franchise, to
     solicit clients and provide individualized fitness training. Franchisee
     agrees that any such employee, agent or independent contractor shall be
     required to execute a Non-Disclosure and Non-Compete Agreement located in
     the Originals Manual.

                           7. FRANCHISEE'S OBLIGATIONS

7.1  Franchisee has sole responsibility for the performance of all obligations
     arising out of the operation of the Franchise, including, the payment when
     due of any taxes levied by reason of such operation. Franchisee shall
     carefully monitor the performance of any person who is actively involved in
     the operation of the Franchisee.

7.2  This Agreement does not create a fiduciary relationship between FFL and
     Franchisee. Franchisee shall be an independent contractor with the entire
     control and discretion of its Franchise, subject only to the terms and
     conditions of this Agreement. No agency, employment or partnership is
     created or implied by the terms of this Agreement. In all public records,
     in its relationship with other persons, and in any offering circular,
     prospectus or similar document, Franchisee shall indicate clearly the
     independent ownership of its business and that the operations of its
     business are separate and distinct from the operations of FFL's business.

7.3  Franchisee shall operate the Franchise in accordance with both the
     Originals Manual and the Operations Manuals, a copy of each Franchisee
     acknowledges having received on loan from FFL for the term of the
     Franchise. FFL may, from time to time, unilaterally revise the contents of
     the Originals and Operations Manuals to implement new or different
     operating requirements and fees applicable to the Franchise, and Franchisee
     expressly agrees to comply with such changed requirements and fees within
     such reasonable time as FFL may require; provided, however, that any
     changed requirements or fees shall not unreasonably increase Franchisee's
     obligations under this Agreement or place an excessive economic burden of
     Franchisee's operations. Franchisee shall at all times keep its copy of the
     Originals and Operations Manuals and any other manuals loaned to it

                                       47

<PAGE>

     current and up-to-date and, in the event of any dispute as to the contents
     thereof, the master copies maintained by FFL at its principal place of
     business shall be controlling. Franchisee agrees that the provisions of the
     Originals and Operations Manuals, including the mandatory specifications,
     standards, procedures and rules applicable to the FFL Franchise System, and
     such modifications as are made thereto from time to time by FFL, shall
     constitute provisions of this Agreement as if fully set forth in this
     Agreement. Franchisee further agrees that all references in this Agreement
     to the provisions or specifications of the Originals or Operations Manuals
     shall mean the provisions and specifications of those manuals, including
     all mandatory and recommended specifications, standards, procedures, rules
     and criteria, as of the time they are in effect.

7.4  Franchise must treat the Originals and Operations Manuals, any other
     manuals created for or approved for the use in the operation of the
     franchised business and the information contained in them as confidential
     and must use all reasonable efforts to maintain this information as secret
     and confidential. Franchisee must not copy, duplicate, record or otherwise
     reproduce these materials, in whole or in part, or otherwise make them
     available to any unauthorized person. The manuals will remain FFL's sole
     property and must be kept in a secure place on the premises.

7.5  During the term of this Franchise Agreement, except as otherwise provided
     in writing by FFL, Franchisee or if a corporation, partnership or limited
     liability company, a principal, member or general partner of the
     corporation, partnership or limited liability company, or Franchisee's
     fully- trained manager, must devote full time and best efforts to the
     management and operation of the franchised business. The franchised
     business must at all times be under the direct on premises supervision of a
     manager who has satisfactorily completed FFL's training program. Franchisee
     must also maintain a competent, conscientious, trained staff, including a
     fully-trained manager, which may be Franchisee. If Franchisee is an
     individual, we recommend that Franchisee be the fully-trained manager
     described above. FFL imposes no limitations as to who Franchisee may hire
     as the manager, except that Franchisee must comply with all applicable laws
     and that Franchisee must not harm the goodwill associated with the FFL
     Franchise System and the proprietary marks. (This requirement may affect
     who Franchisee may hire as its manager).

     FFL does not have the right to approve the manager. The manager will not be
     required to have an equity interest in the business. The manager and other
     employees may be required to attend and complete FFL's training programs as
     described in paragraph 7.6. The manager and other employees may also be
     required to enter into an agreement not to complete with businesses under
     the FFL Franchise System while employed by Franchisee and for two (2) years
     thereafter, and an agreement not to reveal confidential information
     obtained in the course of their employment with Franchisee.

     This Franchise Agreement provides that Franchisee will devote sufficient
     time and energy to ensure the efficient operation of the center, with
     center days and hours as prescribed by FFL.

7.6  To further protect the FFL Franchise System, the Proprietary Assets and the
     goodwill to be associated therewith, Franchisee shall:

     (a)  Take the initial training prescribed by and provided by FFL. If FFL
          determines, in its sole discretion, that Franchisee is unable to
          satisfactorily complete the training program, FFL shall have the right
          to require Franchisee to attend such additional training as FFL may
          require, or terminate this Agreement and refund the initial franchise
          fee less Five Thousand and No/100 Dollars ($5,000.00).

                                       48

<PAGE>

     (b)  Provide such training for its personnel as may be necessary to meet
          qualifications levels set by FFL from time to time for personnel
          involved in Franchisee's business.

     (c)  Feature and use the Proprietary Assets solely in the manner prescribed
          by FFL.

     (d)  Observe such reasonable requirements with respect to service mark,
          trade name, trademark, and fictitious name registrations and copy
          right notices as FFL may, from time to time, direct in writing.

     (e)  Not offer, sell or promote any other sales or other type of fitness
          training or other program under the service mark Fitness Together or
          any other like mark except such programs as it has obtained from FFL.

     (f)  Sell or offer for sale at the franchised business only products which
          meet FFL's current standards and specifications established in FFL's
          Operations Manuals or otherwise in writing.

     (g)  Use only materials displaying the names, marks, insignia and symbols
          of the FFL Franchise System.

     (h)  Equip its FFL center with equipment recommended and approved by FFL
          and maintain an inventory of products, equipment and supplies that
          will permit operation of the Franchise at maximum capacity.

     (i)  Comply will all laws, ordinances and regulations affecting the
          operation of the Franchise and the conduct of personal training. All
          personal training shall be conducted at Franchisee's one (1) place of
          business in the Territory or at homes or offices within the Territory.

     (j)  Notify FFL in writing within five (5) days of the commencement of any
          action, suit or proceeding, or of the issuance of any writ,
          injunction, award or decree of any court, agency or governmental
          agency or instrumentality, which may adversely affect Franchisee's
          financial condition or ability to meet its obligations hereunder.

     (k)  Permit authorized personnel of FFL to enter its place of business
          during normal business hours to examine its operations, facilities,
          books and records.

     (l)  Franchisee shall cooperate with FFL's representatives in such
          inspections by rendering such assistance as they may reasonably
          request.

     (m)  Pay on a timely basis all fees and costs incurred in the operation of
          the Franchise, whether owing to FFL or to third parties. Franchisee is
          aware that failure to make prompt payment causes irreparable harm to
          the reputation and credit of FFL and other FFL franchisees.

     (n)  Submit reports of its operations on such forms as are prescribed from
          time to time in the Operations Manuals at such times as FFL may
          reasonably request.

     (o)  Take reasonable steps to protect FFL, the FFL Franchise System and the
          Proprietary Assets against any misappropriation of same and/or other
          action taken by any third party which is or might damage FFL, the FFL
          Franchise System and/or the Proprietary Assets, and

                                       49

<PAGE>

          immediately notify FFL of such misappropriation and/or action;
          provided, however, that Franchisee shall not be required to incur any
          significant costs to protect FFL, the FFL Franchise System or the
          Proprietary Assets.

     (p)  Devote such reasonable time to the business of the Franchise as shall
          be necessary to cause the Franchise to be effectively and efficiently
          operated.

     (q)  Comply with all requirements set forth in this Agreement and in the
          Originals and Operations Manuals as the same may be modified from time
          to time.

     (r)  Accept the transfer from another franchisee of any member who desires
          to receive training from Franchisee provided that such other
          franchisee has paid Franchisee all unused payments made by such
          person.

     (s)  At no time solicit any prospective franchisee of FFL to purchase any
          product or services or to become associated with Franchisee as an
          employee, independent contractor or co-owner of the franchised
          business, unless otherwise authorized in writing by FFL.

     (t)  At no time solicit any employee of another FFL franchisee to become
          associated with Franchisee as an employee, independent contractor or
          co-owner of the franchised business, unless otherwise authorized in
          writing by FFL and such other franchisee.

     (u)  At no time solicit any existing client of another FFL franchisee
          unless otherwise authorized in writing by such other franchisee and
          FFL.

     (v)  Franchisee must use the fitness center premises solely for the
          operation of the franchised business; must keep the franchised
          business open and in a normal operation for such minimal hours and
          days as specified by FFL; must refrain from using or permitting the
          use of the premises for any other purpose or activity at any time
          without first obtaining FFL's written consent.

     (w)  Franchisee must maintain the condition and appearance of the of the
          premises of the franchised business consistent with FFL's quality
          controls and standards. Franchisee must reasonably maintain the
          franchised business as is periodically required to maintain or improve
          the appearance and efficient operation of the franchised business.

     (x)  Franchisee may not make any material alterations to the premises of
          the franchised business or make material replacements of or
          alterations to the equipment, fixtures or signs of the franchised
          business without FFL's written approval.

     (y)  Franchisee must record all sales and related activities on a computer
          which are fully compatible with any program or system which FFL
          employs. All gross sales and sales information will be recorded on
          this equipment. FFL will have full access to all of Franchisee's data
          system and related information by means of direct access whether in
          person or by telephone/modem.

                                       50

<PAGE>

7.7  Franchisee shall have the right to offer services and sell products at any
     price it may determine. If FFL recommends a retail price, such
     recommendation is suggested only and is in no way binding upon Franchisee.

7.8  Franchisee shall maintain (i) an automobile insurance policy, and (ii) a
     comprehensive business liability insurance policy, each with limits of not
     less than One Million and No/100 Dollars ($1,000,000.00) for bodily and
     property injury. If circumstances so require for the protection of
     Franchisee and FFL, the foregoing limits of insurance may be increased by
     FFL. Each insurance policy maintained by Franchisee for the Franchise shall
     name FFL as an additional insured party. Each insurance policy shall be
     issued by an insurance company with a performance rating of at least A+ as
     rated in the most recent edition of Best's Insurance Reports or comparable
     publication. Within thirty (30) days after establishing the Franchise, and
     annually thereafter, Franchisee shall provide FFL with a copy of each
     insurance policy, together with evidence of payment of premiums, evidencing
     the limits noted above or then required and providing that such insurance
     shall not be canceled, amended or modified without thirty (30) days' prior
     written notice to FFL. If Franchisee fails to procure or to continue to
     maintain any required insurance, FFL is hereby authorized, but not
     obligated, to procure such insurance and to charge the cost of such
     insurance to Franchisee.

7.9  Franchisee shall secure workmen's compensation or similar insurance as
     required by law.

7.10 Franchisee shall provide FFL with financial information on such forms as
     are prescribed from time to time in the Originals and Operations Manuals.
     All such financial information shall be prepared in accordance with
     generally accepted accounting principles, consistently applied and shall be
     accurate and complete in all material respects. FFL shall have the right
     from time to time to request additional financial information from
     Franchisee as FFL may reasonably deem to be required or desirable. If an
     inspection or audit of Franchisee's books and records reveals that any
     payments due to FFL have been understated in any report, then Franchisee
     will immediately pay FFL, upon its demand, the understated amount plus
     interest from the date the amount was due until paid. If an inspection or
     audit discloses an understatement of two percent (2%) or more, then
     Franchisee will also reimburse FFL for any costs and expenses, including
     accounting and attorneys' fees connection with the inspection or audit.
     Franchisee must retain all books and records regarding its Franchise for
     three (3) years.

     At the end of each calendar quarter, Franchisee will supply to FFL in a
     form approved by FFL, a profit and loss statement and a balance sheet for
     the three (3) month period just ended. Within ninety (90) days of
     Franchisee's fiscal year end, Franchisee must submit to FFL a profit and
     loss statement for that fiscal year and a balance sheet as of the last day
     of the fiscal year prepared on an accrual basis including all adjustments
     necessary for fair presentation on the financial statements.

7.11 Franchisee shall promptly after obtaining possession of the site for the
     Franchise: (i) cause to be prepared and submit for approval by Franchisor a
     site survey and any modifications to Franchisor's conceptual designs and
     specifications (not for construction) for the development of the Fitness
     Together business (including requirements for dimensions, exterior design,
     materials, interior design and layout, equipment, fixtures, furniture,
     signs and decorating) at the site leased or purchased therefor, provided
     that Franchisee may modify FFL's basic plans and specifications only to the
     extent required to comply with all applicable ordinances, building codes
     and permit requirements and with prior notification to and approval by
     Franchisor; (ii) obtain all required zoning changes, building, utility,
     health, sanitation and sign permits and licenses and any other required
     permits and licenses;

                                       51

<PAGE>

     (iii) purchase or lease equipment, fixtures, furniture and signs as
     provided herein; (iv) complete the construction and/or remodeling,
     equipment, fixtures, furniture and sign installation and decorating of the
     Franchise in full and strict compliance with plans and specifications
     therefor approved by FFL and applicable ordinances, building codes and
     permit requirements; (v) obtain all customary contractors' sworn statements
     and partial and final waivers of lien for construction, remodeling,
     decorating and installation services; and (vi) otherwise complete the
     development of and have the Franchise ready to open and commence the
     conduct of its business.

7.12 Franchisee shall not install or maintain on the premises of the franchised
     business, any newspaper racks, video games, jute boxes, gaming machines,
     gum machines, games, rides, vending machines or other similar devices
     without FFL's written approval.

                               8. INDEMNIFICATION

8.1  Franchisee shall hold harmless and indemnify FFL and its officers,
     directors, agents and employees, from and against any and all losses,
     expenses, judgments, claims, reasonable attorneys' fees and damages arising
     out of any claims directly or indirectly related to the operation of the
     Franchise or arising out of a breach of this Agreement; provided, however,
     that Franchisee shall not be required to hold harmless or indemnify FFL for
     any claim arising out of a breach of this Agreement by FFL or any other
     civil wrong of FFL. Franchisee shall promptly notify FFL of any suit filed
     by or against Franchisee in connection with the operation of the Franchise
     and, upon request, shall furnish FFL with copies of such documents from the
     suit as FFL may request.

8.2  FFL shall hold harmless and indemnify Franchisee against any claim for
     copyright, service mark or trademark infringement arising out of
     Franchisee's authorized use of FFL materials or the Proprietary Assets in
     accordance with this Agreement and the Operations Manuals, provided
     Franchisee notifies FFL in writing within thirty (30) days, or within such
     shorter period as is necessary to avoid prejudice, after learning of any
     claim, and also provided FFL has the right to control any litigation or
     proceeding resulting from any such claim. FFL may require Franchisee to
     modify or discontinue using any mark and in that event FFL will reimburse
     Franchisee for its tangible costs of compliance.

8.3  The obligations of Franchisee and FFL to hold harmless and indemnify as
     specified in Paragraphs 8.1 and 8.2 shall survive the repurchase or
     termination of the Franchise for so long as any potential for liability
     under any applicable law, rule, ordinance, statute or judicial decision
     remains. In this regard, to the maximum extent permitted by law, Franchisee
     and FFL hereby each waive the effect of any statute of limitation which
     would, by lapse of time, limit such obligations.

                             9. DEFAULT; TERMINATION

9.1  The occurrence of any of the following events shall constitute a default
     under this Agreement:

     (a)  If Franchisee, or any person controlling, controlled by or under
          common control with Franchisee, shall misuse the FFL Franchise System
          or the Proprietary Assets, or any other names, marks, systems,
          insignia, symbols or rights provided by FFL to Franchisee, or
          otherwise materially impair the goodwill associated therewith or FFL's
          rights therein, or if Franchisee shall use any names, marks, systems,
          insignia or symbols not authorized by FFL.

     (b)  If Franchisee shall fail to remit any payments immediately when due to
          FFL.

                                       52

<PAGE>

     (c)  If Franchisee shall fail to submit to FFL any financial or other
          information required under this Agreement.

     (d)  If Franchisee shall violate any service mark, trademark, or copyright
          of FFL.

     (e)  If Franchisee shall fail to operate the Franchise in accordance with
          the Operations Manuals and/or other manuals, or shall fail to conform
          to the specifications and standards of FFL, or shall fail in any other
          way to maintain FFL's standards of quality in the operation of the
          Franchise.

     (f)  If Franchisee shall purport to effect any transfer other than in
          accordance with the terms and conditions hereof.

     (g)  If Franchisee submits any false or substantially inaccurate report to
          FFL.

     (h)  If an imminent threat or danger to public health or safety results
          from the maintenance or operation of the Franchise.

     (i)  If Franchisee makes, or has made, any misrepresentation to FFL in
          connection with obtaining the Franchise, or in connection with
          operating the Franchise or using the Proprietary Assets hereunder.

     (j)  If Franchisee fails to obtain FFL's prior written approval or consent
          as expressly required by this Agreement.

     (k)  If Franchisee defaults in the performance of any obligation under this
          Agreement not covered by Subparagraphs 9.1(a) through 9.1(j) or
          Subparagraphs 9.1(l) through 9.1(n), or any amendment or modification
          to this Agreement, or any other agreement between Franchisee and FFL.

     (l)  If Franchisee ceases operations, or does not commence operations on or
          before one hundred eighty (180) days from the date hereof, without the
          written consent of FFL, for any reason.

     (m)  If Franchisee, or any person controlling, controlled by or under
          common control with Franchisee, shall be adjudicated bankrupt; or if
          Franchisee or any such person shall file or have filed against it a
          petition in bankruptcy, reorganization or similar proceeding under the
          bankruptcy laws of the United States; or if a receiver, permanent or
          temporary, of the business, assets or property of Franchisee or any
          such person, or any part thereof, is appointed by a court of competent
          authority; or if Franchisee or any such person requests the
          appointment of a receiver or makes a general assignment for the
          benefit of creditors; or if a final judgment against Franchisee or any
          such person in the amount of Five Thousand and No/100 Dollars
          ($5,000.00) or more remains unsatisfied of record for thirty (30) days
          or longer; or if the bank accounts, property or receivables of
          Franchisee or any such person are attached and such attachment is not
          dismissed within thirty (30) days; or if execution is levied against
          the business or property of Franchisee or any such person; or if suit
          to foreclose any lien or mortgage against the Franchise, the premises
          thereof or equipment thereon is instituted and not dismissed within
          thirty (30) days.

                                       53

<PAGE>

     (n)  If Franchisee, or any person controlling, controlled by or under
          common control with Franchisee, shall be convicted of violating any
          law providing for criminal penalties and related to or adversely
          affecting the operation of the Franchise, including crimes of moral
          turpitude.

     (o)  Any unauthorized use of the Proprietary Software Package.

     (p)  Abandons or fails or refuses to actively operate the Franchise for two
          (2) business days in any twelve (12) month period, unless the
          Franchise has been closed for a purpose approved by FFL or due to
          force majeure, or fails to relocate to approved premises within an
          approved period of time following expiration or termination of the
          lease for the premises of the franchise business.

     (q)  Continues to violate any health, safety or sanitation law, ordinance
          or regulation or operates the Franchise in a manner that presents a
          health or safety hazard to its customers or the public.

     (r)  Fails to satisfactorily complete FFL's training program.

9.2  If the cause for termination is correctable, Franchisee shall have the
     right to correct such cause in a manner acceptable to FFL. All cause for
     termination must be corrected prior to thirty (30) days following the date
     of notice and if all such cause is timely corrected, then FFL shall
     withdraw or suspend such termination.

9.3  Beginning with the second notice of termination for correctable cause, FFL
     may notify Franchisee because of repeated cause for termination that a
     subsequent repeat of a given cause in the succeeding twelve (12) month
     period shall be a good cause for a final termination which is not
     correctable.

9.4  Upon occurrence of any of the defaults set forth in Paragraph 9.1, FFL may,
     without prejudice to any other rights or remedies contained in this
     Agreement or provided by law or equity, terminate the Franchise.
     Termination shall be effective thirty (30) days after written notice is
     given by FFL to Franchisee of any of the defaults set forth in
     9.1(a)(b)(c)(d)(e) and (k), if such defaults are not cured within the
     thirty (30) day period. Termination shall be effective immediately when
     written notice is given by FFL to Franchisee upon occurrence of any of the
     defaults specified in Subparagraphs 9.1(f)- (j) and (l)-(r). Termination
     shall be effective immediately and without notice upon occurrence of any of
     the defaults specified in Subparagraphs 9.1(m) and (n). Franchisee
     acknowledges and agrees that the provisions of paragraphs 8, 11, 12 and 14
     through 17 shall survive the termination of this Agreement and that such
     provisions shall remain in full force and effect for the time periods set
     forth therein.

9.5  Upon termination of the Franchise for any reason, or upon expiration of the
     term of the Franchise, Franchisee agrees as follows:

     (a)  To pay immediately to FFL the full amount of all sums due.

     (b)  To cease immediately to use the FFL Franchise System and the
          Proprietary Assets, or any confusingly similar names, marks, systems,
          insignia, symbols or other rights, procedures or methods.

                                       54

<PAGE>

     (c)  To return to the Originals and Operations Manuals and all manuals,
          plans, specifications, designs, records, data samples, models,
          programs, materials, handbooks, drawings and other materials provided
          to Franchisee by FFL.

     (d)  To cease immediately to hold itself out in any way as a franchisee of
          FFL or to do anything which would indicate any relationship between it
          and FFL.

     (e)  Immediately assign the business telephone number for the FFL center to
          FFL. Franchisee hereby irrevocably appoints and designates FFL a
          franchisee's attorney-in-fact to change any listed telephone numbers
          related to the franchised business and to discontinue White Pages and
          Yellow Pages listings in the event of the termination of this
          Agreement. Franchisee is liable for all telephone charges incurred
          prior to any such termination and FFL shall pay all charges and
          listing costs subsequent to the termination.

9.6  Allow FFL or its designee, at its option, to sell as an agent all or any
     part of Franchisee's center, including his/her tangible assets, at a price
     to be determined by three (3) independent appraisers, one obtained by FFL,
     one obtained by the franchisee, and the third chosen by the other two
     appraisers. The average of the three appraisals will be the selling price.
     Goodwill and other intangible assets are to be excluded from the
     determination of selling price. On sale of the business, creditors of the
     ex- franchisee shall be satisfied and the balance, if any, shall be paid to
     the ex-franchisee. FFL shall have the discretionary right for a period of
     six (6) months following termination to operate the center as an agent and
     to be Franchisee's agent for sale of the business. If no bona fide offer is
     received within such six (6) month period, then FFL may liquidate the
     center and satisfy the creditors of the Franchisee and pay over any balance
     remaining to Franchisee.

                                  10. TRANSFER

10.1 The Franchise is personal to Franchisee. Franchisee shall not sell, assign,
     transfer or encumber ("transfer") this Agreement or the Franchise, or any
     interest in either, and shall not suffer or permit any such sale,
     assignment, transfer or encumbrance to occur by operation of law or
     otherwise, without the prior written consent of FFL.

     Notwithstanding the foregoing, Franchisee may, solely for the convenience
     of ownership, within ninety (90) days from the date hereof and without the
     payment of any additional fees, transfer the Franchise to a corporation,
     limited liability company, partnership, unincorporated association or
     similar entity, the voting stock of or other ownership interest of which
     shall be wholly owned by Franchisee. Prior to such transfer, Franchisee
     shall supply to FFL a copy of the organizational documents of such entity,
     execute a guaranty of the obligations of such entity in substantially the
     form set forth on the signature page(s) hereof, and execute any other
     transfer documents deemed reasonably necessary by FFL.

     Franchisee may, with the prior written consent of FFL, and subject to the
     requirements of this Section, transfer the Franchise to a corporation,
     limited liability company, partnership, unincorporated association or
     similar entity, the voting stock of or other ownership interest of which
     need not be wholly owned by Franchisee but which shall be under the
     "control" of the Franchisee within the Securities and Exchange Act of 1934
     and the regulations thereunder. Prior to such transfer, Franchisee shall
     supply to FFL a copy of the organizational documents of such entity, cause
     all owners of such entity to execute a guaranty of the obligations of such
     entity in substantially the form

                                       55

<PAGE>

     set forth on the signature page(s) hereof, and cause all necessary parties
     to execute any other transfer documents deemed reasonably necessary by FFL.
     Franchisee agrees that (s)he shall not solicit prospective or existing
     franchisees or employees of franchisees of FFL to become a business partner
     of Franchisee without FFL's prior written consent. Franchisee and all
     owners will guaranty and comply with all terms of this Agreement, both
     monetary and non-monetary and be jointly and severally liable for any
     breach of this Agreement. The performance of the terms of this Franchise
     Agreement and the payment of any sums due shall be personally guaranteed by
     Franchisee, its spouse and all owners and their spouses.

10.2 If Franchisee is a corporation, limited liability company, partnership,
     unincorporated association or similar entity, the terms of this Paragraph
     10 shall be deemed to apply to any sale, resale, pledge, assignment,
     transfer or encumbrance ("transfer") of the voting stock of, or other
     ownership interest in Franchisee, which would alone or together with other
     related, previous, simultaneous or proposed transfers, result in a change
     of "control" of Franchisee within the meaning of the Securities Exchange
     Act of 1934 and the regulations thereunder.

10.3 Upon the death, disability or permanent incapacity of Franchisee, FFL shall
     not unreasonably withhold its consent to the transfer of all of the
     interest of Franchisee to a spouse, heirs or relatives, by blood or
     marriage, whether such transfer is made by will or by operation of law,
     provided that the requirements of this Paragraph 10 have been met. In such
     event, no transfer fee shall be required to be paid. If Franchisee's heirs
     do not obtain FFL's consent as prescribed herein, the personal
     representative of Franchisee shall have one hundred eighty (180) days to
     dispose of Franchisee's interest hereunder, which disposition shall be
     subject to all the terms and conditions or transfers under this Agreement.

10.4 Franchisee agrees that the restrictions on transfer imposed herein are
     reasonable and necessary to protect the Franchise, the FFL Franchise System
     and the Proprietary Assets, as well as FFL's reputation and image, and are
     for the protection of FFL, Franchisee and other franchisees.

10.5 Any transfer permitted by this Paragraph 10 shall not be effective until
     FFL has received a completely executed copy of all transfer documents and
     has consented in writing to the transfer and transferee has executed the
     then-current form of FFL Franchise Agreement except that the term shall be
     the time remaining on transferor's ten (10) year term.

10.6 FFL agrees not to unreasonably withhold its consent to a transfer by
     Franchisee hereunder. Consent to a transfer otherwise permissible may be
     refused unless:

     (a)  All obligations of Franchisee created by this Agreement, all ancillary
          documents and any other Franchise Agreements are assumed by the
          transferee;

     (b)  All monies owed to FFL by Franchisee have been paid (including, but
          not limited to, the monthly royalty and any other royalties) and
          Franchisee agrees to pay to FFL any amount less than the then-current
          monthly royalty being paid by Franchisee which may be paid by the
          transferee under the terms of its Franchise Agreement;

     (c)  Franchisee is not in default under this Agreement;

                                       56

<PAGE>

     (d)  The transferee satisfactorily completes the training required of new
          franchisees on FFL's then- current terms prior to the date of
          transfer;

     (e)  Franchisee satisfies FFL that the transferee meets all the
          requirements of FFL for new franchisees, including, but not limited
          to, requirements relating to good reputation and character, the
          ability to operate a personal fitness center, business acumen,
          financial strength and other business considerations;

     (f)  The transferee executes or, in appropriate circumstances, causes all
          necessary parties to execute, FFL's then-current standard form of
          Franchise Agreement for the Franchise and such other then-current
          ancillary documents being required by FFL of new franchisees on the
          date of transfer;

     (g)  Franchisee executes a general release in a form satisfactory to FFL,
          of any and all claims against FFL and its officers, directors,
          members, shareholders and employees, in their corporate and individual
          capacities, including, without limitation, claims arising under
          federal, state and local laws, rules and ordinances; and

     (h)  Franchisee or the transferee pays FFL a transfer fee in the amount of
          Ten Thousand and No/100 Dollars ($10,000.00) plus all on-site travel
          expenses reasonably required by FFL to cover FFL's reasonable costs in
          effecting the transfer and in providing training and other initial
          assistance to the transferee.

10.7 Franchisee may request assistance from FFL in locating a transferee for the
     Franchise upon the following terms and conditions:

     (a)  At the time Franchisee requests FFL's assistance, Franchisee shall pay
          to FFL the amount of Two Thousand Five Hundred and No/100 Dollars
          ($2,500.00) to cover the cost of advertising in addition to the
          customary advertising then conducted by FFL;

     (b)  Franchisee shall pay to FFL a fee of Five Thousand and No/100 Dollars
          ($5,000.00) upon the completion of the transfer to cover salesperson
          commissions;

     (c)  Franchisee's transferee shall be the next prospective franchisee from
          Franchisee's Territory that makes an initial inquiry and purchases a
          Franchise after the date on which Franchisee notifies FFL that it
          desires FFL's assistance in locating a transferee;

     (d)  Franchisee shall remain current in all of its obligations under this
          Agreement, including, but not limited to, the payment of the monthly
          royalty.

     (e)  All the conditions of Section 10.6 shall be satisfied, including, but
          not limited to, the payment by Franchisee or transferee of a transfer
          fee in the amount of Ten Thousand and No/100 Dollars ($10,000.00); and

     (f)  Franchisee shall be available to meet with prospective franchisees at
          mutually convenient times.

                                       57

<PAGE>

10.8 At least sixty (60) days prior to a proposed sale or transfer by Franchise
     of fifty percent (50%) or more of the Franchise or its assets, (the
     "Offered Property"), whether voluntarily or involuntarily undertaken,
     Franchisee shall give written notice of such proposed sale to FFL. Said
     notice shall set forth the name of the proposed purchaser, a description of
     the offered property, all terms and conditions of the proposed sale, and
     must be accompanied by a fully completed current FFL Transfer Packet,
     including a fully executed Purchase and Sale Agreement. (The effectiveness
     of the Purchase and Sale Agreement must be contingent upon FFL's waiver of
     its right of first refusal as described in this section). Upon receipt of
     the notice and other documents, the sixty (60) day notice period shall
     commence. Within the sixty (60) day notice period, FFL may elect to
     purchase the offered property on the same terms and conditions set forth
     within the notice. In addition, within the sixty (60) day notice period,
     FFL may notify Franchisee that FFL has elected to withhold approval of the
     proposed transfer by providing the specific reasons for such action. FFL
     may not unreasonably withhold approval. FFL shall not grant approval in the
     event the proposed transferee does not agree to be bound by the terms and
     conditions of the then-current Agreement for the balance of transferor's
     terms or if the proposed transferee is otherwise unacceptable as a
     franchisee. If FFL shall fail to respond to Franchisee's notice of intent
     to transfer within the sixty (60) day period by approving or disapproving
     the proposed transfer or by electing to purchase according to the terms and
     conditions offered to the proposed transferee, Franchisee may then transfer
     this franchise business in accordance with the terms of said notice.

10.9 This Agreement inures to the benefit of FFL, it successors and assigns, and
     FFL shall have the right to transfer or assign all or any part of its
     interest herein to any person or legal entity.

                      11. NON-COMPETITION; CONFIDENTIALITY

11.1 Franchisee, any persons controlling, controlled by or under common control
     with Franchisee, shall not, without FFL's prior written consent:

     (a)  During the term of the Franchise, offer personal fitness training,
          workshops or other programs, or sell educational materials involving
          subject matters that are the same as, similar to or competitive with
          FFL programs and materials, anywhere in Canada or the United States,
          other than FFL programs and materials in the Territory.

     (b)  For a period of two (2) years following termination or expiration of
          the Franchise, establish, assist, consult with, participate in or be
          employed by any enterprise that is or plans to be engaged in the
          Territory or within a twenty-five (25) mile radius of the boundaries
          of the Territory in offering personal fitness training sessions,
          meetings, workshops or other programs, or selling educational
          materials, involving marketing and selling fitness training that is
          the same as, similar to or competitive with the subject matters of FFL
          programs or materials which Franchisee is entitled to sell pursuant to
          this Agreement.

     (c)  During the term of the Franchise and at any time thereafter, use any
          of the Proprietary Assets for any unauthorized purpose; use any
          confusingly similar method, format, procedure, technique, slogan,
          insignia, term, designation, design, diagram, promotional material or
          course material; or cause or permit any facility or program to look
          like, copy or imitate any facility or program operated or licensed by
          FFL.

                                       58

<PAGE>

11.2 Franchisee, and persons controlling, controlled by or under common control
     with Franchisee, shall at all times treat as confidential all manuals and
     materials designated for use with the FFL Franchise System, and such other
     information as FFL may designate from time to time for confidential use
     with the FFL Franchise System (as well as all trade secrets, if any, and
     confidential information, knowledge and know-how concerning the operation
     of the Franchise that may be imparted to, or acquired by, Franchisee from
     time to time in connection with this Agreement), and shall use all
     reasonable efforts to keep such information confidential. Franchisee
     acknowledges that the unauthorized use or disclosure of such confidential
     information (and trade secrets, if any) will cause incalculable and
     irreparable injury to FFL. Franchisee shall not, at any time, without the
     FFL's prior written consent, disclose, use or permit the use (except as may
     be required by applicable law or authorized by this Agreement) of such
     information, in whole or part, or otherwise make the same available to any
     unauthorized person or source. All information, knowledge and know how not
     generally known about the FFL Franchise System, methods, standards,
     specification, procedures and techniques, and such other information or
     material as FFL may designate as confidential, shall be deemed confidential
     for purposes of this Agreement, except information which Franchisee can
     demonstrate came to its attention prior to disclosure thereof by the FFL,
     or which is or has become a part of the public domain through publication
     and communication by others. All manuals or materials designated for use
     with the FFL Franchise System, and all confidential information (and trade
     secrets, if any) shall at all times be deemed to be, and shall remain, the
     sole property of FFL, and Franchisee shall acquire no rights, title or
     interest therein by virtue of its authorization pursuant to this Agreement
     to possess and use the same.

                        12. ACTUAL, AVERAGE, PROJECTED OR
                 FORECASTED FRANCHISE SALES, PROFITS OR EARNINGS

12.1 Due to the competitive nature of the business involved, successful
     operations of the Franchise will primarily depend upon the best efforts,
     capabilities and management abilities of the Franchisee and on efficient
     operation of the franchised business as well as local marketing conditions.
     Franchisee acknowledges, warrants and represents to FFL that no
     representation has been made by FFL (or any employees, agents or
     salesperson thereof) and relied upon by Franchisee as to the future or past
     income, expenses, sales volume or potential profitability, earnings or
     income of a FFL Franchise.

12.2 Any sales, profits or earnings disclosed are not furnished nor authorized
     by FFL and should not be considered as the actual or potential sales,
     profits or earnings that will be realized by any other franchise. FFL does
     not represent that any franchise can expect to attain these sales, profits
     or earnings.

12.3 FFL does not offer or utilize any projections of earnings or profits as an
     inducement for the sale of Franchises. It is understood that Franchisee is
     starting a new business and is assuming the financial risks attendant
     hereto. Where FFL provides information requested by Franchisee relating to
     typical costs of operation a FFL facility such as typical rents, typical
     labor costs, typical equipment lease costs, etc., such information shall
     not be construed as a representation or warranty relative to any future
     sales, profits or earnings achievable by the Franchisee.

12.4 FRANCHISEE HEREBY ACKNOWLEDGES THAT FFL HAS MADE NO CLAIMS OR
     REPRESENTATIONS WHATSOEVER REGARDING POTENTIAL EARNINGS FRANCHISEE MAY
     ACHIEVE AS A FFL FRANCHISEE AND THAT WHILE FFL HAS OFFERED ASSISTANCE,
     FRANCHISE HAS HAD FINAL, ULTIMATE APPROVAL OF THE SITE

                                       59

<PAGE>

     SELECTED, LEASE EXECUTED AND OTHER DECISIONS CONCERNING THE FRANCHISE
     PURCHASE, LOCATION AND OPERATION.

                                   13. NOTICES

13.1 All notices hereunder shall be in writing and shall be duly given if hand
     delivered or sent by registered or certified mail, postage prepaid, return
     receipt requested, addressed:

     (a)  If to FFL, to:

          Fitness For Life Franchise Corporation
          1111 Annabar Drive
          Castle Rock, CO 80104

          With a copy to:
          Sean Doyle
          4419 E. Danbury Road
          Phoenix, AZ.  85032

     (b)  If to Franchisee, to the address indicated on Page 1 of this
          Agreement; or

     (c)  To such other address as FFL or Franchisee shall have specified in a
          written notice given to the other party.

                         14. GOVERNING LAW; JURISDICTION
                             AND VENUE; ARBITRATION

14.1 Franchisee acknowledges and agrees that this agreement shall be deemed to
     have been made and entered into in the State of Arizona, and shall be
     governed by and construed in accordance with the laws of the State of
     Arizona, except to the extent governed by the United States Trademark Act
     of 1946 (Lanham Act, 15 U.S.C., Sections 1051 et seq.).

14.2 Franchisee acknowledges that it has and will continue to develop a
     substantial and continuing relationship with FFL at its principal offices
     in the State of Colorado. Therefore, any action arising out of or relating
     to this Agreement shall be commenced in any state or federal court of
     general jurisdiction in the State of Arizona. Franchisee irrevocably
     submits to the jurisdiction of such court and waives any objection it may
     have to the jurisdiction or venue of such court.

14.3 Except where FFL seeks injunctive relief or any other provisional remedy
     (e.g., replevin/repossession), every controversy, claim or dispute arising
     out of or in connection with the negotiation, performance or
     non-performance of this Agreement, including, without limitation, any
     alleged torts and/or claims regarding the validity, scope and
     enforceability of this Section, shall be solely and finally settled by
     binding arbitration conducted in the locality in which the Franchise is
     located and in accordance with the Arbitration Rules then in effect of the
     American Arbitration Association ("AAA") or any successor organization, or
     as otherwise agreed by the parties.

                                       60

<PAGE>

     In the event of any controversy or claim, the parties shall first attempt
     to resolve the matter through good faith, informal negotiations, including,
     upon mutual agreement, non-binding mediation. If the parties are unable to
     resolve the dispute, either party hereto may demand arbitration by written
     notice to the other party ("Demand for Arbitration") [and to their local
     AAA office]. Any Demand for Arbitration pursuant to this Section shall be
     made within one (1) year from the date that the dispute arose or should
     have been known to arise.

     The parties shall mutually agree on one (1) arbitrator. If the parties
     cannot so agree, any dispute shall be submitted to a single arbitrator
     selected by the Arbitration Administrator from the panel of arbitrators. If
     the Arbitration Administrator must chose an arbitrator, each party is
     entitled to one (1) peremptory challenge of the arbitrator chosen, whether
     it be with or without cause. The costs of arbitration; i.e., fees payable
     to AAA and the arbitrator, are to be shared equally by the parties. Each
     party shall be responsible for its own costs and attorneys' fees.

     The arbitrator shall have full power to make such orders, rules and
     regulations as he or she shall deem just and expedient in respect to any
     procedure or matter involved in this arbitration, including, without
     limitation, discovery procedures, ex parte relief, interim awards,
     provisional remedies, temporary injunctive relief, injunctive relief or
     orders for specific performance.

     IT IS THE INTENT, AGREEMENT AND UNDERSTANDING OF THE PARTIES THAT NEITHER
     PARTY SHALL RECEIVE, AND THE ARBITRATOR SHALL HAVE NO POWER TO AWARD, ANY
     SUMS BY WAY OF PUNITIVE OR EXEMPLARY DAMAGES, LOST WAGES AND/OR PROFITS,
     ATTORNEYS' FEES AND/OR COSTS, AND IN NO EVENT SHALL ANY MONETARY DAMAGES BE
     RECOVERED BY A FRANCHISEE IN EXCESS OF THE AMOUNT OF THE FRANCHISE FEE AND
     THE COSTS OF BUILDING OUT THE FFL CENTER.

     The arbitrator shall follow the rules of evidence of the State of Arizona
     relating to the trial of civil actions. The parties are free to mutually
     waive or modify any evidentiary rule or procedure with the consent from the
     arbitrator.

     All parties shall mutually agree upon the scope and duration of discovery.
     Should the parties be unable to agree, they shall submit a proposed
     discovery plan or schedule to the arbitrator, who shall resolve such
     dispute in his or her sole discretion.

     The arbitrator shall, within thirty (30) days after the matter has finally
     been submitted to him or her, render a written decision making specific
     findings of fact and setting forth the reasons for the decision which shall
     comply with the express terms of this Franchise Agreement.

     Judgment on any award of the arbitrator shall be binding and may be entered
     in any court having jurisdiction thereof. The parties intend that this
     Agreement to arbitrate be valid, binding, enforceable and irrevocable. The
     terms of this section shall survive the termination or expiration of this
     Franchise Agreement. It is the intent of the parties that any arbitration
     between FFL and Franchisee shall be limited to the individual claims of
     either party and that no claim of any other party shall be subject to
     arbitration in such proceeding on any basis whatsoever, whether by
     consolidation, by class or representative principles, or otherwise.

                                       61

<PAGE>

     The parties acknowledge that this provision fully expresses their agreement
     and is for the purpose of avoiding lengthy, protracted and expensive
     litigation. If any provision of this section is held to be unenforceable by
     a court of competent jurisdiction, it is the intent of the parties,
     consisting with public policy of the laws of the jurisdiction in which the
     arbitration takes place, that those provisions be construed as written to
     the fullest extent possible. Each covenant will be construed as independent
     of any other covenant or provision of this Agreement. If all or any portion
     of a covenant is held unreasonable or unenforceable by a court or agency
     having valid jurisdiction in an unappealed final decision to which FFL is a
     party, Franchisee will be bound by any lessor covenant subsumed within the
     terms of this covenant that imposes the maximum duty permitted by law, as
     if the resulting covenant was originally stated in this Agreement.

     Franchisee's Initials: ____ ____

                       15. REMEDIES; WAIVERS AND CONSENTS

15.1 All rights and remedies of FFL and Franchisee enumerated in this Agreement
     shall be cumulative and, except as specifically contemplated otherwise by
     this Agreement, shall not exclude any other rights or remedies allowed at
     law or in equity, and said rights and remedies may be exercised and
     enforced concurrently.

15.2 If Franchisee withholds any monies owed to FFL in the absence of a court
     order permitting the withholding of such monies, FFL shall be reimbursed by
     Franchisee for all reasonable costs incurred in pursuing the collection of
     the withheld monies. These costs shall include, but not be limited to,
     court costs, reasonable attorneys' fees, reasonable value for FFL
     employees' time, witness fees and travel expenses incurred by FFL.

15.3 No waiver by FFL or Franchisee of any term, covenant or condition, or the
     breach of any term, covenant or condition of this Agreement to be kept or
     performed by the other party shall constitute a waiver by the waiving party
     of any subsequent breach of such term, covenant or condition or authorize
     the breach of non-observance on any other occasion of the same or any other
     term, covenant or condition of this Agreement. Subsequent acceptance by FFL
     of any payments due to it hereunder shall not be deemed to be a waiver by
     FFL of any preceding breach by Franchisee of any terms, covenants or
     conditions of this Agreement. Whenever this Agreement requires FFL's prior
     approval or consent, such approval or consent shall be obtained in writing.
     FFL will also consider granting, in its sole discretion, other reasonable
     requests individually submitted by Franchisee in writing for FFL's prior
     waiver of any obligation imposed by this Agreement. FFL makes no warranties
     or guarantees upon which Franchisee may rely, and assumes no liability or
     obligation to Franchisee, by providing any waiver, approval, consent or
     suggestion to Franchisee in connection with this Agreement, or by reason of
     any neglect, delay or denial of any request therefore. Any waiver granted
     by FFL shall be subject to FFL's continuing review, may subsequently be
     revoked for any reason effective upon ten (10) days prior written notice,
     and shall be without prejudice to any other rights FFL may have.

                                16. SEVERABILITY

16.1 If any provision of this Agreement or the application of any provision to
     any provision or circumstance shall be determined to be invalid or
     unenforceable, then such determination shall not

                                       62

<PAGE>

     affect any other provisions of this Agreement or the application of such
     provisions to any other person or circumstances, all of which other
     provisions shall remain in full force an effect. It is the intention of FFL
     and Franchisee that if any provision of this Agreement is susceptible of
     two (2) or more constructions, one (1) of which would render the provision
     unenforceable, then the provision shall have the meaning which render it
     enforceable.

                              17. ENTIRE AGREEMENT

17.1 This Agreement constitutes the entire agreement between FFL and Franchisee
     regarding the subject matter hereof, and supersedes all prior and
     contemporaneous agreements between FFL and Franchisee regarding such
     subject matter. No officer, employee, servant or agent of FFL or Franchisee
     has been authorized to make any representation, warranty or other promise
     not contained in this Agreement or the accompanying Offering Circular. No
     amendment, change or variance from this Agreement shall be binding on
     either party unless executed in writing by both parties.

17.2 Notwithstanding any law of the State of Arizona to the contrary, no
     revision, termination or attempted waiver of any provision of this
     Agreement shall be binding upon FFL or Franchisee unless in writing and
     signed by FFL and Franchisee. Franchisee acknowledges, however, that FFL
     may unilaterally revise the contents of the Originals and Operations
     Manuals in accordance with Paragraph 7.3, and that any such revision shall
     be binding on Franchisee.

                        18. JOINT AND SEVERAL OBLIGATIONS

18.1 If Franchisee consists of more than one (1) person, their liability under
     this Agreement shall be deemed to be joint and several.

                 19. COUNTERPARTS; PARAGRAPH HEADINGS; PRONOUNS

19.1 This Agreement may be executed in any number of counterparts, each of which
     shall be deemed an original but all of which together shall constitute one
     and the same instrument. The paragraph headings in the Agreement are for
     convenience of reference only and shall not be deemed to alter or affect
     any provision hereof. Each pronoun used herein shall be deemed to include
     the other number and genders.

                               20. ACKNOWLEDGMENTS

20.1 Franchisee acknowledges that:

     (a)  It has conducted an independent investigation of the business
          contemplated by this Agreement and recognizes that it involves
          business risks making the success of the venture largely dependent
          upon the abilities of Franchisee. FFL expressly disclaims the making
          of, and Franchisee acknowledges that it has not received or relied
          upon, any warranty or guarantee, expressed or implied, as to the
          potential volume, profits or success of the business contemplated by
          this Agreement.

     (b)  It is not relying upon any representations by FFL or its officers,
          directors, shareholders, members, employees, agents or servants, about
          the business contemplated by this Agreement,

                                       63

<PAGE>

          that are contrary to the provisions of this Agreement, any related
          agreements or the accompanying Offering Circular.

     (c)  It has received, read and understood this Agreement, any related
          agreements and the accompanying Offering Circular; FFL has fully and
          adequately explained the provisions of each to its satisfaction; and
          FFL has accorded ample time and opportunity to consult with advisors
          of its own choosing about the potential benefits and risks of entering
          into this Agreement.

     (d)  It is aware of the fact that other franchisees of FFL may operate
          under different forms of agreements and, consequently that FFL's
          obligations and rights with respect to its various franchisees may
          differ materially in certain circumstances.

     (e)  No representation or statement has been made by FFL (or any employee,
          agent or salesperson thereof) and relied upon by Franchisee regarding
          the anticipated income, earnings and growth of FFL or the FFL
          Franchise System, or the viability of the business opportunity being
          offered hereunder.

     (f)  The covenants not to compete set forth in this Agreement are fair and
          reasonable, and will not impose any undue hardship on Franchisee,
          since Franchise has other considerable skills, experience and
          education which afford Franchise the opportunity to derive income from
          other endeavors.

     (g)  Notwithstanding anything to the contrary in this Agreement, in the
          event any valid, applicable law or regulation of a competent
          governmental authority having jurisdiction over this Agreement or the
          parties hereto shall limit FFL's rights as to the termination or
          renewal hereunder or shall require longer notice periods than those
          set forth herein, this Agreement shall be deemed amended to conform to
          the requirements of such laws and regulations, but in such event the
          provisions of this Agreement thus affected shall be amended only to
          the extent necessary to bring it within the requirements of the law or
          regulation. FFL may reduce the scope of any covenant in this Agreement
          without Franchisee's consent, effective immediately upon its receipt
          of written notice, and Franchisee must comply with any modified
          covenant.

     (h)  The individuals executing this Franchise Agreement on behalf of
          Franchisee represent and warrant that the signatures listed below
          constitute all of the individuals, partners, limited partners,
          members, directors, officers and/or shareholders of Franchisee
          necessary to bind Franchisee and that they have read, understand and
          consent to be bound by all of its terms.

                                       64

<PAGE>

                               21. EFFECTIVE DATE

21.1 This Agreement shall be effective as of the date it is signed by FFL.

     DATED: ________________ 2002

                                      FITNESS FOR LIFE FRANCHISE CORPORATION
                                      INC., an Arizona corporation

                                      By:______________________________
                                      Its: President

                                      Franchisee:
                                      ---------------------------------

                                      ---------------------------------

                                       65

<PAGE>

                                    EXHIBIT A

         To be determined.

                                       66

<PAGE>

                                    EXHIBIT B

1.   One (1) Originals Manual

2.   One (1) Operations Manual

3.   List of Required Equipment which is not supplied by Franchisor

               Life Fitness Cross Trainer 9500 HR
               Life Fitness Recumbent Stationary Bike 9500 RHR
               Life Fitness Treadmill 9100 Vectra 1850 w/210# Vectra
               Horizontal Rack DB Vectra Extra Bar Kit Parabody DB Rack
               (vertical) Parabody DB Rack (horizontal) Parabody weight tree
               (ST) Parabody Hip Sleds Parabody 4x6 Mats (3) Chrome DB's
               (3,5,8,10,12,15,20) Pro-style DB's (25,30,35,40,45,50,60)
               Olympic E-Z Curl Olympic 310 set Olympic 45# Plates Pro-style
               Barbells (20,25,30,35) ProMaxima Power Rack (Optional)

Software Needed:
               BSDI Publisher PT Edition
               Ohio Distinctive Software
               Day-Timer Organizer
               Microsoft Office

                                       67

<PAGE>

                                   APPENDIX A

THIS APPENDIX WILL SERVE AS AN ADDENDUM TO THE FRANCHISE AGREEMENT FOR USE IN
THE STATE OF MINNESOTA.

                    DISCLOSURES REQUIRED UNDER MINNESOTA LAW

"Minn. Stat. 80C.21 and Minn. Rule 2860.4400J prohibits us from requiring
     litigation to be conducted outside Minnesota. In addition, nothing in the
     offering circular agreement can abrogate or reduce any of your rights as
     provided for in Minnesota Statutes, Chapter 80C, or your rights to any
     procedure, forum, or remedies provided for by the laws or the
     jurisdiction."

"Withrespect to franchises governed by Minnesota law, the franchisor will
     comply with Minn. Stat. Sec. 80C. 14, Subds. 3, 4 and 5 which require,
     except in certain specified cases, that a franchisee be given 90 days
     notice of termination (with 60 days to cure) and 180 days notice for non-
     renewal of the franchise agreement."

Minn.Rule Part 2860.4400J. prohibits a franchisee from waiving his rights to a
     jury trial or waiving his rights to any procedure, forum, or remedies
     provided for by the laws of the jurisdiction, or consenting to liquidated
     damages, termination penalties or judgement notes.

Minn.Rule 2860.4400D. prohibits requiring a franchisee to assent to a general
     release.

-----------------------------------------
         Franchisee Signature

         ----------------
                  Date

                                       68

<PAGE>EXHIBIT 10.2

                     FITNESS FOR LIFE FRANCHISE CORPORATION
                           MASTER FRANCHISE AGREEMENT

MASTER FRANCHISEE:

------------------------

ADDRESS:

------------------------
------------------------
------------------------

EFFECTIVE DATE: ______________________, 2001

THIS MASTER FRANCHISE AGREEMENT (the "Agreement") is between Fitness For Life
Franchise Corporation, an Arizona corporation, located at 1111 Annabar Drive,
Castle Rock, Colorado ("Franchisor"), and the Master Franchise Owner listed
above ("Master Franchisee"), who agree as follows:

1.      BACKGROUND AND PURPOSE

1.1.    Franchisor has developed methods for establishing, operating, and
        promoting Fitness Together Personal Training Studios ("Fitness Together
        Personal Training Studios"). These methods feature the use and license
        of the service mark and related service marks and trademarks
        (collectively, the "Marks") and Franchisor's distinctive plans for the
        establishment, operation, and promotion of Fitness Together Personal
        Training Studios and related licensed methods of doing business (the
        "Licensed Methods").

1.2.    Franchisor grants to qualified individuals, or to entities with which
        such individuals are affiliated, the right and license to develop and
        operate Fitness Together Personal Training Studios using the Marks and
        Licensed Methods.

1.3.    Master Franchisee desires to provide to Franchisor certain sales and
        services activities within the Territory, enabling Master Franchisee to
        sell franchises for Fitness Together Personal

                                       69

<PAGE>

        Training Studios and to develop, support, and provide services to
        Fitness Together Personal Training Studios within such geographical
        area, under the terms and conditions contained in this Agreement
        ("Master Franchisee Business" or "Business").

1.4.    Franchisor is willing to grant to Master Franchisee the right to sell
        franchises for Fitness Together Personal Training Studios and to provide
        site selection and support services to Fitness Together Personal
        Training Studios within the Territory, under terms and conditions
        herein.

2.      DEFINITIONS

2.1.    Assignment. "Assignment" shall mean an assignment or other transfer to a
        Franchisee of all of the Master Franchisee's rights, title, and interest
        in and to a Prime Lease.

2.2.    Fitness Together Manual. "Fitness Together Manual" means the manuals,
        technical bulletins, or other written materials covering the proper
        operating and marketing techniques of a Fitness Together business and
        standards and specifications for implementing the Licensed Methods.

2.3.    Franchise Agreement. "Franchise Agreement" means the forms of agreements
        (including, without limitation, franchise agreement and any exhibits,
        riders, collateral assignments of lease or sublease, and personal
        guarantees used in connection therewith) used by Franchisor from time to
        time in the granting of franchises for the ownership and operation of
        Fitness Together Personal Training Studios. Master Franchisee
        acknowledges that Master Franchisee will use Franchisor's then current
        form of franchise agreement and that Franchisor, in its sole discretion,
        may from time to time modify or amend in any respect the form of
        franchise agreement and related agreements, including, without
        limitation, modifying fees customarily used in granting Fitness Together
        Personal Training Studio franchises.

2.4.    Franchisee. "Franchisee" means any person, corporation, partnership, or
        other entity who has entered into a Franchise Agreement with Franchisor.

2.5.    Managing Owner. "Managing Owner" means the individual or individuals
        identified as Managing Owner(s) on the signature page of this Agreement
        who have the responsibilities set forth in Section ___, below, and
        elsewhere in this Agreement.

2.6.    Prime Lease and Premises. "Prime Lease" shall mean a lease of commercial
        space ("Premises") entered into by the Master Franchisee, as tenant
        thereunder, for Premises located within the Territory.

2.7.    Sales Quarter. "Sales Quarter" means each calendar quarter during the
        term of this Agreement.

                                       70

<PAGE>

2.8.    Sales Year. "Sales Year" means each calendar year during the term of
        this Agreement.

2.9.    Territory. "Territory" is the geographical area described in the
        attached Exhibit 1.

3.      SCOPE OF APPOINTMENT

3.1.    Grant of Master Franchisee Rights; Scope of Operations. Franchisor
        grants to Master Franchisee the rights set forth in this Agreement, and
        Master Franchisee agrees to perform its obligations in accordance with
        the terms and conditions of this Agreement, and only within the
        Territory to: (1) solicit prospective Franchisees for Fitness Together
        Personal Training Studios to be located in the Territory ("Sales
        Services"); (2) perform certain site acquisition and development
        services described in Section 9.4 ("Site Services"); and (3) to render
        support and other services ("Support Services") to Fitness Together
        Personal Training Studios located within the Territory, as those
        services are described in Section 9.5.

3.2.    Rights and Limitations to Territory. Franchisor will not establish and
        license any other person as Master Franchisee to perform Sales Services,
        Site Services, or Support Services to Franchisees within the Territory;
        provided, however, that Franchisor shall retain such rights in the
        Territory as described in Section 3.3.

3.3.    Reservation of Rights to Franchisor. Master Franchisee acknowledges that
        the rights granted hereunder are nonexclusive and Franchisor (on behalf
        of itself, its affiliates, and designees) retains the right in its sole
        discretion (and without compensation or obligation whatsoever to Master
        Franchisee unless specifically set forth herein):

        (a)  to use, and to license others to use, the Marks and Licensed
             Methods for the operation of other Master Franchise Businesses at
             any location outside of the Territory; and

        (b)  to solicit prospective Franchisees and to grant other persons
             franchises to operate Fitness Together Personal Training Studios at
             such locations within and outside of the Territory and on such
             terms and conditions as Franchisor deems appropriate and to itself
             own and operate such Fitness Together Personal Training Studios
             within the Territory (subject to its obligation to compensate
             Master Franchisee, as set forth in Section 6.5).

3.4.    Managing Owner. If Master Franchisee is an entity, identified on the
        signature page of this Agreement are the names of the Managing Owners.
        Franchisor has entered into this Agreement with Master Franchisee in
        reliance on the personal involvement in the Business of Managing Owners.
        At all times during the term of this Agreement, such Managing Owners
        shall devote so much of their personal time and attention to the
        management and operation of the Business as may be necessary.

                                       71

<PAGE>

4.      FRANCHISE SALES PROCEDURES

4.1.    Sales and Openings Goals. Master Franchisee agrees that during the term
        of this Agreement, Master Franchisee will set and work toward the
        franchise sales and openings goals ("Sales and Openings Goals") set
        forth in Exhibit 1 to this Agreement.

4.2.    Franchise Registration and Disclosure. Neither Master Franchisee nor any
        employee or representative of Master Franchisee shall solicit
        prospective Franchisees of Fitness Together Personal Training Studios
        until Franchisor has registered its current UFOC in applicable
        jurisdictions and has provided Master Franchisee with the requisite
        documents, or at any time when Franchisor notifies Master Franchisee
        that its registration is not then in effect or its documents are not
        then in compliance with applicable law. If Master Franchisee's
        activities pursuant to this Agreement require the preparation,
        amendment, registration, or filing of information or any disclosure or
        other documents, all requisite offering circulars, ancillary documents,
        and registration applications shall be prepared and filed by Franchisor
        or its designee, and registration secured before Master Franchisee may
        solicit prospective Franchisees of Fitness Together Personal Training
        Studios. Costs of such registration applicable to Master Franchisee
        shall be borne by Master Franchisee. In particular, Master Franchisee
        shall:

        (a)  prepare and forward to Franchisor _____________ financial
             statements of Master Franchisee in such form and for such periods
             as shall be designated by Franchisor certified by Master Franchisee
             and any Managing Owner as being true, correct, and complete,
             including audited financial statements, if necessary and
             appropriate to comply with applicable legal disclosure, filing, or
             other legal requirements;

        (b)  promptly provide all information reasonably required by Franchisor
             to prepare all requisite offering circulars and ancillary documents
             for the offering of franchises throughout the Territory;

        (c)  execute all documents required by Franchisor for the purpose of
             registering Master Franchisee and Franchisor to offer franchises
             throughout the Territory; and

        (d)  pay to Franchisor, or its designee, upon demand, the costs of
             registering and preparing those portions of all such offering
             circulars and ancillary documents which are applicable to Master
             Franchisee.

        Master Franchisee agrees to review all information pertaining to Master
        Franchisee prepared to comply with legal requirements for selling
        franchises in the Territory and verify its accuracy if so requested by
        Franchisor. Master Franchisee acknowledges that Franchisor, its
        affiliates, or its designees shall not be liable to Master Franchisee
        for any errors, omissions, or delays which may occur in the preparation
        of such materials.

                                       72

<PAGE>

4.3.    Master Franchisee Advertising, Recruiting, and Screening. Master
        Franchisee shall be responsible for assisting Franchisor in advertising
        for, recruiting, screening, and interviewing prospects for Fitness
        Together Personal Training Studio franchises within the Territory.
        Franchisor shall provide prospective Franchisees with written
        information regarding a Fitness Together Personal Training Studio
        franchise as requested by Master Franchisee, or via the telephone,
        face-to-face meetings or by visiting other Fitness Together Personal
        Training Studios within the Territory. Master Franchisee shall submit
        each qualified applicant ("Applicant") for a Fitness Together Personal
        Training Studio franchise to Franchisor for approval. Master Franchisee
        further agrees that all Applicants submitted to Franchisor by Master
        Franchisee, if an individual, or the Managing Owner of the Applicant if
        the Applicant is not an individual, shall be individuals who are of good
        character, have adequate financial resources, and meet Franchisor's
        criteria for Franchisees or Managing Owners of Franchisees. Each
        application for a franchise received by Master Franchisee shall be
        submitted to Franchisor with all information respecting the Applicant,
        the Managing Owner of the Applicant, if applicable, the Applicant's
        proposed franchise location, if known, and all other information then
        customarily required by Franchisor concerning Applicants, including such
        financial statements and other information as Franchisor may reasonably
        require. Master Franchisee shall assist the Applicant in the preparation
        of such financial reports and other information.

4.4.    Franchisor's Approval of Prospective Franchisees. By delivery of written
        notice to Master Franchisee, Franchisor shall approve or disapprove
        Applicants to become Fitness Together Personal Training Studio
        Franchisees. Franchisor agrees to exert its best efforts to deliver such
        notification to Master Franchisee within 10 business days after the
        later of:

        (a)  receipt by Franchisor of a complete application, financial
             statement, and other materials regarding the Applicant requested by
             Franchisor; and

        (b)  the personal interview of Applicant by Franchisor, if any.

        Franchisor, in its sole discretion, shall determine whether the
        Applicant possesses sufficient financial and managerial capability and
        meets the other criteria then utilized by Franchisor in the grant of
        franchises. The grant of the franchise shall be effected only upon and
        after the full execution of the then current Franchise Agreement by
        Franchisor and the Applicant.

5.      PAYMENTS TO FRANCHISOR

5.1.    Initial Master Franchise Fee. The initial Master Franchise fee ("Initial
        Fee") payable to Franchisor by Master Franchisee in consideration for
        Master Franchisee's appointment as exclusive Master Franchisee within
        the Territory shall be calculated and set forth in the attached Exhibit
        1. Unless otherwise agreed, the Initial Fee is payable in full upon
        execution of this Agreement. The Initial Fee is fully earned by
        Franchisor upon receipt and is nonrefundable once paid; provided,
        however, that if this Agreement is terminated under

                                       73

<PAGE>

        Section 17.2(a), Master Franchisee shall be entitled to a refund of the
        Initial Fee, less reasonable expenses incurred by Franchisor in
        connection with Master Franchisee's training. Master Franchisee
        acknowledges that the Initial Fee does not include payment of any
        initial franchise fees for individual Fitness Together Personal Training
        Studios.

6.      PAYMENTS TO MASTER FRANCHISEE

6.1.    Sales Services Commissions and Conditions of Payment. During the term of
        this Agreement, Master Franchisee shall be paid a commission, as set
        forth in this Section, based on a percentage of initial franchise fees
        paid by Franchisees for the purchase of a franchise for a Fitness
        Together Personal Training Studio to be located within the Territory
        ("Sales Services Commission"), subject to fulfillment of the following
        conditions ("Franchise Sales Conditions"):

        (a)  Franchisee executes a Franchise Agreement with Franchisor and an
             initial franchise fee has been paid and actually received by
             Franchisor (Franchisor shall not be deemed to have received any
             fees paid into escrow, if applicable, until such fees have actually
             been remitted to Franchisor);

        (b)  The sale for which the initial franchise fee has been paid is not a
             resale of any existing Fitness Together Personal Training Studio,
             or any interest therein; and

        (c)  Master Franchisee has complied with all other of its obligations
             under this Agreement with respect to such sale and has verified the
             same to Franchisor in writing in a form prescribed by Franchisor.

6.2.    Sales Services Commission Payments. Sales Services Commissions shall be
        an amount equal to 100% of the total initial franchise fees paid to
        Franchisor as contemplated by Section 6.1, above, until the Master
        Franchisee has received payments under this Section 6.2 equal to the
        Initial Fee paid by Master Franchisee to Franchisor, and thereafter
        shall be 50% of the total initial franchise fees paid to Franchisor.
        These monies will be payable to Master Franchisee within 20 days after
        the Franchise Sale Conditions have been fulfilled. Master Franchisee
        shall not receive any Sales Services Commission for Fitness Together
        Personal Training Studios owned and operated by Franchisor, its
        affiliates, or designees ("Company Owned Fitness Together Personal
        Training Studios") in the Territory, if any.

6.3.    Commissions on Transfers of Franchises. If, during the term of this
        Agreement, a Fitness Together Personal Training Studio located within
        the Territory or an interest therein is resold to a different Franchisee
        and the sale results in the execution of a Franchise Agreement and the
        payment of a transfer fee, then Master Franchisee will be paid a
        commission in the amount of 50% of the transfer fee paid and actually
        received by Franchisor, payable within 20 days of the completion of the
        transfer, provided that

                                       74

<PAGE>

        Franchisor shall not be deemed to have received any fees paid into
        escrow, if applicable, until such fees have actually been remitted to
        Franchisor.

6.4.    Commissions on Royalty Fees. Franchisor shall pay to Master Franchisee,
        within 25 days of the end of each monthly period, 50 % of the royalty
        fees (which excludes Master Franchisee advertising fees and royalty fees
        based on those items listed in Section 3.3) actually received by
        Franchisor from each Franchisee located in the Territory during the
        applicable period pursuant to their Franchise Agreement ("Royalty
        Fees"). Notwithstanding the foregoing:

        (a)  If Master Franchisee has failed to conduct the periodic inspections
             described in Section 9.5 and file a written report or failed to
             perform in any material respect the other services described in
             Section 9 to be provided to Franchisees located in the Territory
             during any applicable month with respect to one or more Franchisees
             located in the Territory, Master Franchisee shall not be entitled
             to receive commissions on Royalty Fees with respect to such
             Franchisees for the period during which reports or services were
             not provided.

        (b)  Master Franchisee shall not be entitled to share in and receive any
             commissions on Royalty Fees from any fees paid to Franchisor by
             Franchisees in the Territory prior to the time Master Franchisee
             completes the initial Master Franchisee training program and
             commences full performance of the services set forth in Section 9.

        (c)  Master Franchisee shall not be entitled to share in or receive any
             commissions on Royalty Fees from any fees paid to Franchisor by
             Franchisees (or that would otherwise be payable by any Company
             Owned Fitness Together Personal Training Studio) from any Fitness
             Together Personal Training Studio in the Territory that was (i)
             opened, or operated under a Franchise Agreement entered into prior
             to the Effective Date of this Agreement; (ii) constructed by
             Franchisor and then transferred to a Franchisee under Franchisor's
             "Turnkey" program; or (iii) a non-operation acquired by Franchisor
             or its subsidiaries and thereafter converted to a Fitness Together
             Personal Training Studio (collectively, "Exempt Fitness Together
             Personal Training Studios"); provided that Master Franchisee will
             be paid $300 per month for any Exempt Fitness Together Personal
             Training Studio within the Territory in exchange for performance of
             the services set forth in Section 9 with respect to such Exempt
             Fitness Together Personal Training Studio.

6.5.    Commissions After Termination. If Franchisor terminates this Agreement
        due to Master Franchisee's failure to meet Sales and Openings Goals as
        set forth in Section 17(c), then Master Franchisee will receive a 1%
        commission (from amounts actually received by Franchisor from such
        Fitness Together Personal Training Studios) on the gross sales of all
        Fitness Together Personal Training Studios open and operating in the
        Territory as of the date this Agreement is terminated through either the
        initial term of the Franchise Agreement,

                                       75

<PAGE>

        which governs each Fitness Together Personal Training Studio, or five
        years following termination of this Agreement, whichever is sooner.
        Notwithstanding the foregoing, if (i) Master Franchisee terminates this
        Agreement: or (ii) Master Franchisee elects not to renew this Agreement
        pursuant to Section 16; or (iii) if Franchisor terminates this Agreement
        for any other reason; or (iv) if Master Franchisee violates the terms of
        Sections 17.4 or 17.5 at any time during the term or after the
        expiration or termination of this Agreement, then all payments under
        this Section 6.5 shall immediately and permanently cease.

6.6.    Application of Payments. Franchisor's payments to Master Franchisee
        shall be based on amounts actually collected from Franchisees, not on
        payments accrued, due, or owing. In the event of termination of a
        Franchise Agreement for a Fitness Together Personal Training Studio
        within the Territory under circumstances entitling Franchisee to the
        return of all or part of the initial franchise fee or Royalty Fees (or
        in the event that Franchisor becomes legally obligated or decides, in
        its sole discretion, to return part or all of the initial franchise fee
        or Royalty Fees), Franchisor may deduct the portion of the amount to be
        returned to Franchisee in the same proportion as Master Franchisee
        shared in the initial franchise fee or Royalty Fees from any future
        amounts owed Master Franchisee. Franchisor shall apply any payments
        received from a Franchisee to any past due indebtedness of that
        Franchisee for Royalty Fees, Master Franchisee advertising
        contributions, purchases from Franchisor or its affiliates, interest, or
        any other indebtedness of that Franchisee to Franchisor or its
        affiliates. To the extent that such payments are applied to a
        Franchisee's overdue Royalty Fee payments, Master Franchisee shall be
        entitled to its pro rata share of such payments, less its pro rata share
        of the costs of collection paid to third parties.

6.7.    Set-offs. Master Franchisee shall not be allowed to set-off amounts owed
        to Franchisor for fees or other amounts due hereunder against any monies
        owed to Master Franchisee by Franchisor, which right of set-off is
        hereby expressly waived by Master Franchisee. Franchisor shall be
        allowed to set-off amounts owed to Master Franchisee for commissions,
        Royalty Fees, or other amounts due hereunder, against any monies owed to
        Franchisor by Master Franchisee, including setting-off amounts owed to
        Master Franchisee for commissions or Royalty Fees against monies owed to
        Franchisor for commissions on Sales Services which were paid to Master
        Franchisee before Franchisee failed to successfully complete
        Franchisor's initial training program.

7.      TRAINING ASSISTANCE

7.1.    Master Franchisee Training. Within 60 days after the date of execution
        of this Agreement, Franchisor shall furnish, and Master Franchisee (or
        if Master Franchisee is an entity, a Managing Owner) shall attend, at
        Master Franchisee's sole cost and expense, an initial training program,
        to consist of the training program applicable to Franchisor's
        Franchisees and such further training which may include topics such as
        marketing, franchise sales, franchise law compliance, site selection,
        and Fitness Together Personal Training Studio

                                       76

<PAGE>

        operations, as Franchisor, in its sole discretion, deems advisable,
        furnished at such place and time as Franchisor may designate.

7.2.    Length of Training. Franchisor shall determine the appropriate length of
        the portion of the initial Master Franchisee training program applicable
        only to Master Franchisees, which will be in addition to the second part
        of the initial Master Franchisee training program applicable to both
        Master Franchise Owners and Franchisees. Other than the Initial Fee, no
        tuition or fee shall be charged for the initial training. However,
        Master Franchisee shall be responsible for all travel and living
        expenses which are incurred in connection with attendance at both parts
        of the initial training program.

7.3.    Additional Training. The initial training program will be made available
        to replacement or additional Managing Owners and other management
        personnel during the term of this Agreement. Franchisor reserves the
        right to charge a tuition or fee in an amount payable in advance for
        such training. Master Franchisee will be responsible for all travel and
        living expenses incurred by its personnel in connection with attendance
        at the training program. Further, the availability of the training
        programs will be subject to space considerations and prior commitments
        to new Fitness Together Personal Training Studio Franchisees and Master
        Franchisees.

7.4.    Seminars and Ongoing Training. From time to time, Franchisor may present
        seminars, conventions, or continuing development programs for the
        benefit of Master Franchisee. Master Franchisee or its Managing Owner
        shall be required to attend any ongoing mandatory seminars, industry
        conventions, or programs as may be offered by Franchisor. If Master
        Franchisee fails to attend a mandatory seminar, convention, or program
        without obtaining Franchisor's prior written approval of the absence and
        fails to arrange for attendance at an alternate time, Master Franchisee
        shall be required to make up the missed program at a time and place
        designated by Franchisor and will be charged $1,500 for each program
        missed. Franchisor shall give Master Franchisee at least 30 days' prior
        written notice of any seminar, convention, or program that is deemed
        mandatory. Franchisor will not require that Master Franchisee attend any
        ongoing training more often than one time per calendar year. Master
        Franchisee will be responsible for all travel and living expenses which
        are associated with attendance at any ongoing training program.

8.      FRANCHISOR'S OPERATING ASSISTANCE

8.1.    Master Franchisee Manual. Franchisor shall, in addition to the Master
        Franchisee training program, loan to Master Franchisee during the term
        hereof one copy of its Master Franchisee Manual to assist Master
        Franchisee and its employees in the conduct of the business contemplated
        by this Agreement. Franchisor may prescribe mandatory and suggested
        standards and operating procedures for Master Franchisee in the Master
        Franchisee Manual, which may be modified from time to time by
        Franchisor. Master Franchisee shall keep its copy of the Master
        Franchisee Manual current. In the event of a dispute relating to the

                                       77

<PAGE>

        Master Franchisee Manual, the master copy that Franchisor maintains at
        its principal office shall be controlling. Master Franchisee may not at
        any time copy any part of the Master Franchisee Manual, unless approved
        in writing by Franchisor. In the event Master Franchisee's copy of the
        Master Franchisee Manual is lost, destroyed, or damaged, Master
        Franchisee shall be obligated to obtain from Franchisor, at
        Franchisor's then applicable charge, a replacement copy of the Master
        Franchisee Manual. The Master Franchisee Manual and other writings
        communicated to Master Franchisee shall constitute material provisions
        of this Agreement as if fully set forth herein.

8.2.    Operating Assistance. Franchisor will make available the following
        services during the term of this Agreement:

        (a)  Upon the reasonable request of Master Franchisee, consultation by
             telephone regarding franchise sales and Franchisee support and
             assistance; and

        (b)  Access to franchise sales advertising and promotional materials as
             may be developed by Franchisor, the reasonable cost of which may be
             passed on to Master Franchisee at Franchisor's option.

9.      MASTER FRANCHISEE'S OBLIGATIONS

9.1.    Hiring and Training of Employees of Master Franchisee. Master Franchisee
        shall hire all of Master Franchisee's employees, shall be exclusively
        responsible for the terms of their employment and compensation, and
        shall implement a training program for employees to enable their
        compliance with Franchisor's requirements. Such employees shall meet all
        requirements set forth in the Master Franchise Manual. Master Franchisee
        shall not employ any person whom Franchisor, in its sole discretion, has
        determined to be unfit to represent Franchisor in the marketing of
        Fitness Together Personal Training Studio franchises or in furnishing
        services to Franchisees.

9.2.    Commencement of Business. Unless otherwise agreed to in writing by
        Franchisor and Master Franchisee, Master Franchisee has 60 days from the
        date of this Agreement within which to complete the first part of its
        initial training and commence operation of its Fitness Together Personal
        Training Studio Master Franchisee Business. Such 60-day time period may
        be extended by Franchisor, in its reasonable discretion, upon
        satisfaction of each of the following conditions: (a) Master Franchisee
        demonstrates that it has been delayed in opening such Business by events
        outside of Master Franchisee's reasonable control; (b) Master Franchisee
        has made and is continuing to make reasonable and continuing efforts to
        commence operations; and (c) Master Franchisee makes such a request for
        extension to Franchisor in writing prior to the end of such 60-day
        period. The obligations of Master Franchisee, including Sales Services,
        shall commence at the earlier of the date Master Franchisee or its
        Managing Owner has satisfactorily completed the first part of
        Franchisor's initial training program or 60 days from the date of this
        Agreement. Master Franchisee will

                                       78

<PAGE>

        also, at Master Franchisee's expense, purchase or otherwise obtain for
        use in connection with the Business:

        (a)  computer hardware and software that complies with the standards and
             specifications of Franchisor;

        (b)  an office which must be serviced by a minimum of one dedicated
             telephone line with 24-hour professional answering service or voice
             mail;

        (c)  a facsimile machine with its own dedicated telephone line;

        (d)  business cards and stationary; and

        (e)  any other items required by the Master Franchisee Manual.

        The telephone number of the Business office must be advertised in the
        white and yellow pages of the telephone directories in the Territory.

9.3.    Sales Services. Master Franchisee shall solicit and identify prospective
        franchisees for Fitness Together Personal Training Studios to be located
        within the Territory.

9.4.    Site Services. Master Franchisee shall perform the following Site
        Services on behalf of Franchisor with respect to Franchisees of Fitness
        Together Personal Training Studios located in the Territory:

        (a)  Assist with Fitness Together Personal Training Studio location
             selection for each Franchisee, which shall consist of providing
             each Franchisee with criteria for a satisfactory site and assisting
             each Franchisee in completing a site submittal package (containing
             such demographic, commercial, and other information as Franchisor
             may reasonably require) for each location at which Franchisee
             proposes to establish and operate a Fitness Together Personal
             Training Studio, and assist in negotiating lease terms and
             coordinating the work of contractors and architects with respect to
             the development of each Fitness Together Personal Training Studio;

        (b)  Provide standards and specifications for the build-out, interior
             design, layout, floor plan, signs, designs, color, and decor of the
             Fitness Together Personal Training Studio as prescribed from time
             to time by Franchisor; and

        (c)  Submit completed forms and reports to Franchisor as prescribed by
             Franchisor from time to time, including site selection and
             pre-opening assistance forms and reports related to leases and
             construction.

9.5.    Pre-Opening and Opening Support Services.

                                       79

<PAGE>

        (a)  Provide Master Franchisee advice to Franchisee regarding the
             standards and specifications for the equipment, supplies, and
             materials used in, and the menu items offered for sale by, the
             Fitness Together Personal Training Studio, and advice regarding the
             selection of suppliers for the purchasing of such items used in
             connection with the Fitness Together Personal Training Studio;

        (b)  Provide initial training and on-site assistance for not less than
             50 hours in the opening of Fitness Together Personal Training
             Studios located in the Territory, and the first two new franchisees
             in the Master Franchisee territory will be trained by the
             Franchisor; and

        (c)  Provide guidance in implementing advertising and marketing
             programs, operating and sales procedures, and bookkeeping
             (excluding accounting programs).

9.6.    Continuing Support Services. With respect to Franchisees of Fitness
        Together Personal Training Studios located in the Territory, Master
        Franchisee shall perform the following Support Services on behalf of
        Franchisor:

        (a)  Upon the reasonable request of Franchisee, provide consultation by
             telephone regarding the continuing operation and management of the
             Fitness Together Personal Training Studio and advice regarding
             Fitness Together Personal Training Studio services, product quality
             control, employee items, and customer relations issues;

        (b)  Provide on-going updates of information and programs regarding the
             Fitness Together Personal Training Studio Business and related
             Licensed Methods, including, without limitation, information about
             special or new services of Franchisor;

        (c)  Provide advice and assistance to Franchisee in connection with the
             development of and improvements to Franchisees of Fitness Together
             Personal Training Studio;

        (d)  Conduct at least one quality assurance inspection (or reinspection
             in the case of a failed first inspection) of each Fitness Together
             Personal Training Studio in the Territory every month in the manner
             as required by Franchisor from time to time, said inspections to be
             verified by written reports in a form acceptable to Franchisor,
             such inspections to be conducted by the Managing Owner.

        (e)  Provide access to advertising and promotional materials as may be
             developed by Franchisor from time to time;

        (f)  At Franchisor's written request, establish an advertising
             cooperative for all Fitness Together Personal Training Studios
             located in the Territory using forms and procedures supplied by
             Franchisor; and

                                       80

<PAGE>

        (g)  Submit periodic reports to Franchisor on activities in the
             Territory, using procedures and forms prescribed by Franchisor.

9.7.    Compliance with Franchise Agreement. Master Franchisee acknowledges that
        it is being delegated certain responsibilities of Franchisor under the
        Franchise Agreement to Franchisees in the Territory. The
        responsibilities to Franchisees are to be performed by Master Franchisee
        as described herein or as may in the future be set forth in the Master
        Franchisee Manual or other reasonable standards and specifications as
        may be provided by Franchisor from time to time, and the
        responsibilities to Franchisees will not materially change during the
        term of this Agreement. In the performance of services to Franchisees of
        all Fitness Together Personal Training Studios located in the Territory,
        Master Franchisee shall in all respects comply with the terms and
        conditions of any Franchise Agreement or other agreement in effect
        between Franchisee and Franchisor. Master Franchisee understands,
        however, that its rights as a Master Franchisee are only by virtue of
        this Agreement and that it is not in any manner a party, third party,
        beneficiary, or holder of any other right, title, or interest in or to
        any Franchise Agreement.

9.8.    Master Franchisee's Inspections. Master Franchisee shall ascertain
        through field audits, reviews, and inspections that each Franchisee in
        the Territory has complied satisfactorily with all of the terms and
        conditions of the Franchise Agreement, specifications, standards,
        operating procedures, and the Franchisee's Operations Manual, and shall
        promptly notify Franchisee in writing, with a copy and evaluation report
        to Franchisor, of any deficiencies. Master Franchisee understands and
        acknowledges that Franchisor shall have:

        (a)  all of the rights to inspect and ascertain compliance of all
             Franchisees as if this Agreement were not in effect;

        (b)  the sole right to send notices of default to Franchisee;

        (c)  the sole right to terminate a Franchise Agreement; and

        (d)  the sole right to take any legal action with respect to any default
             or any violation of a Franchise Agreement.

        If Master Franchisee believes that any Franchisee in the Territory has
        breached a Franchise Agreement with Franchisor, Master Franchisee shall
        document in writing all facts related to the alleged breach and shall
        request in writing that Franchisor investigate such alleged breach. If,
        as a result of Franchisor's investigation, Franchisor determines that
        there is a breach by Franchisee of its Franchise Agreement with
        Franchisor, Franchisor shall, in its sole discretion, take such action
        as it deems appropriate.

9.9.    Discoveries. Should Master Franchisee, a Managing Owner, or anyone
        affiliated with Master Franchisee develop any discoveries or ideas
        related to the operation of Fitness

                                       81

<PAGE>

        Together Personal Training Studios, Master Franchisee shall immediately
        advise Franchisor of such discovery or idea in writing. Franchisor may
        authorize the use and/or dissemination of such discovery or idea in its
        discretion, and Master Franchisee agrees not to implement the discovery
        or idea until authorized to do so by Franchisor. All such discoveries
        and ideas developed or used in connection with the Business and Fitness
        Together Personal Training Studios are the property of Franchisor,
        regardless of whether developed by Franchisor, Master Franchisee, a
        Managing Owner, or otherwise. No compensation is due to Master
        Franchisee on account of any such idea or discovery.

10.     MARKS

10.1.   Ownership and Goodwill of Marks. Master Franchisee acknowledges that its
        right to use the Marks is derived solely from this Agreement, unless
        such rights are granted under a separate written agreement with
        Franchisor, and is limited to operating as an Master Franchisee pursuant
        to and in compliance with this Agreement. Any unauthorized use of the
        Marks by Master Franchisee shall constitute a breach hereof and an
        infringement of Franchisor's rights in and to the Marks. Master
        Franchisee acknowledges and agrees that its usage of the Marks and any
        goodwill established thereby shall inure to Franchisor's exclusive
        benefit and that this Agreement does not confer any goodwill or other
        interests in the Marks upon Master Franchisee.

10.2.   Limitation on Use. Master Franchisee shall not use any Mark as part of
        any corporate or trade name or with any prefix, suffix, or other
        modifying words, terms, designs, or symbols (other than logos licensed
        to Master Franchisee hereunder), or in any modified form, nor may Master
        Franchisee use any Mark in connection with unauthorized services or
        products or in any other manner not expressly authorized in writing by
        Franchisor. Master Franchisee agrees to give such notices of trademark
        and service mark registration as Franchisor specifies and to use and
        obtain such fictitious or assumed name registrations as may be required
        by Franchisor or under applicable law. Master Franchisee further agrees
        that no service mark other than "Fitness Together, One Client, One
        Trainer, One Goal" or such other Marks as may be specified by Franchisor
        shall be used in the marketing, promotion, or operation of Master
        Franchisee's Business.

10.3.   Discontinuance of Use of Marks. If it becomes advisable at any time in
        Franchisor's sole discretion for Franchisor or Master Franchisee to
        modify or discontinue use of any Mark or to use an additional Mark,
        Master Franchisee agrees to comply with Franchisor's directions to do so
        within a reasonable time after notice thereof.

10.4.   Notification of lnfringements and Claims. Master Franchisee shall
        immediately notify Franchisor of any apparent infringement of or
        challenge to Master Franchisee's use of any Mark, or claim by any person
        of any rights in any Mark, and Master Franchisee shall not communicate
        with any person other than Franchisor or its counsel in connection with
        any such matter. Master Franchisee may not settle any claim without
        Franchisor's written

                                       82

<PAGE>

        consent. Franchisor shall have sole discretion to take such action as it
        deems appropriate and the right to control exclusively any litigation,
        U.S. Patent and Trademark Office proceeding, or any other administrative
        proceeding arising out of any such infringement, challenge, or claim or
        otherwise relating to any Mark. Master Franchisee agrees to execute any
        and all instruments and documents, render such assistance and perform
        such acts as, in the opinion of Franchisor's counsel, may be necessary
        or advisable to protect and maintain Franchisor's interests in the
        Marks.

10.5.   Indemnification. Franchisor agrees to indemnify Master Franchisee
        against and to reimburse Master Franchisee for all damages for which
        Master Franchisee is held liable in any proceeding arising out of its
        authorized use of any Mark pursuant to and in compliance with this
        Agreement and for all costs reasonably incurred by Master Franchisee in
        defending any such claim or any proceeding in which Master Franchisee is
        named as a party, provided that Master Franchisee has timely notified
        Franchisor of such claim or proceeding and has otherwise complied with
        this Agreement. Franchisor, at its option, shall be entitled to defend
        and control the defense of any proceeding arising out of Master
        Franchisee's use of any Mark pursuant to and in compliance with this
        Agreement.

11.     CONFIDENTIAL INFORMATION

11.1.   Confidential Information. Franchisor possesses certain proprietary
        confidential information consisting of the methods, techniques, formats,
        specifications, procedures, information, systems, methods of business
        management, sales, and promotion techniques and knowledge of and
        experience in the operation and franchising of Fitness Together Personal
        Training Studios (the "Confidential Information"). Franchisor shall
        disclose the Confidential Information to Master Franchisee in the
        training program, the Master Franchisee Manual, and in guidance
        furnished to Master Franchisee during the term hereof. Master Franchisee
        has not acquired any interest in the Confidential Information, other
        than the right to utilize it in the Territory in the execution of Master
        Franchisee's duties hereunder during the term of this Agreement, and
        Master Franchisee acknowledges that the use or duplication of the
        Confidential Information in any other business venture would constitute
        an unfair method of competition. Master Franchisee acknowledges and
        agrees that the Confidential Information is proprietary, includes trade
        secrets of Franchisor, and is disclosed to Master Franchisee solely on
        the condition that Master Franchisee agrees, and Master Franchisee (and
        its shareholders, partners, members, and managers if Master Franchisee
        is a corporation, partnership, or limited liability company) does hereby
        agree that Master Franchisee:

        (a)  shall not use the Confidential Information in any other business or
             capacity;

        (b)  shall maintain the absolute confidentiality of the Confidential
             Information during and after the term of this Agreement;

                                       83

<PAGE>

        (c)  shall not make unauthorized copies of any portion of the
             Confidential Information disclosed in written or other tangible
             form; and

        (d)  shall adopt and implement all reasonable procedures prescribed from
             time to time by Franchisor to prevent unauthorized use or
             disclosure of the Confidential Information.

        Master Franchisee agrees that Franchisor shall have the perpetual right
        to use and authorize other Fitness Together Personal Training Studio
        Franchisees and area directors to use, and Master Franchisee shall fully
        and promptly disclose to Franchisor, all ideas, concepts, methods, and
        techniques relating to the development and operation of a Fitness
        Together Personal Training Studio or Master Franchisee's activities
        howsoever conceived or developed by Master Franchisee or its employees
        or the franchisees serviced by Master Franchisee during the term of this
        Agreement. Master Franchisee acknowledges that any such ideas, concepts,
        methods, and techniques shall be the property of Franchisor, and
        Franchisor may utilize or disclose such information to franchisees or
        other agents as it determines to be appropriate.

11.2.   Nondisclosure and Noncompetition Agreement. Master Franchisee, each
        Managing Owner, and each shareholder, officer, director, partner,
        employee, member, and manager of Master Franchisee, and, if Master
        Franchisee is an individual, Master Franchisee's spouse, and each
        Managing Owner's spouse shall execute a Nondisclosure and Noncompetition
        Agreement in a form approved by Franchisor.

12.     EXCLUSIVE RELATIONSHIP

12.1.   Exclusive Relationship. Franchisor has entered into this Agreement with
        Master Franchisee on the condition that Master Franchisee will deal
        exclusively with Franchisor. Master Franchisee acknowledges and agrees
        that Franchisor would be unable to protect its Confidential Information
        and would be unable to encourage a free exchange of ideas and
        information among Master Franchisees and Franchisor if Master
        Franchisees were permitted to hold interests in any Competitive
        Business, as defined below. Master Franchisee, therefore, agrees that,
        during the term hereof, neither Master Franchisee nor any person
        identified in Section 11.2, above, shall

        (a)  have any direct or indirect interest as a disclosed or beneficial
             owner in a "Competitive Business," which shall be defined as a
             business operating or granting franchises or licenses to others to
             operate a Personal Training Studio or other fitness service
             business deriving more than 10% of its gross receipts from personal
             training (excluding Fitness Together Personal Training Studios
             operated under franchise agreements with Franchisor);

                                       84

<PAGE>

        (b)  perform services as a director, officer, manager, employee,
             consultant, representative, agent, or otherwise for a Competitive
             Business; or

        (c)  divert or attempt to divert any business related to, or any
             customer or account of, the Master Franchisee Business,
             Franchisor's business, or any other area director's or franchisee's
             business, by direct inducement or otherwise, or divert or attempt
             to divert the employment of any employee of Franchisor or another
             area director or franchisee licensed by Franchisor to any
             Competitive Business by any direct inducement or otherwise.

        Notwithstanding the foregoing, (i) Master Franchisee shall not be
        prohibited from owning securities in a Competitive Business if such
        securities are listed on a stock exchange or traded on the
        over-the-counter market and represent 5% or less of that class of
        securities issued and outstanding; and (ii) Master Franchisee will not
        be deemed to be operating a Competitive Business, as that term is
        defined above, if Master Franchisee temporarily operates a Fitness
        Together Personal Training Studio which had either been sublet to a
        Franchisee under an approved Sublease or had been assigned to a
        Franchisee under an approved Assignment, for a period of not more than
        90 consecutive days following the Franchisee's failure to operate such
        Fitness Together Personal Training Studio for a period of five
        consecutive days or a default by the Franchisee under the terms of its
        Sublease or Assignment. If Master Franchisee operates any Fitness
        Together Personal Training Studio for a period longer than 90
        consecutive days, then Franchisor will have the right to require Master
        Franchisee to sign the Franchisor's then-current form of Franchise
        Agreement to govern Master Franchisee's operation of such Fitness
        Together Personal Training Studio.

13.     OPERATING STANDARDS

13.1.   Standards of Service. Master Franchisee shall at all times give prompt,
        courteous, and efficient service to Fitness Together Personal Training
        Studio Franchisees in the Territory. Master Franchisee shall, in all
        dealings with such Franchisees, prospective Franchisees, and the public,
        adhere to the highest standards of honesty, integrity, fair dealing, and
        ethical conduct.

13.2.   Compliance with Laws and Good Business Practices. Master Franchisee
        shall secure and maintain in force all required licenses, permits, and
        certificates relating to Master Franchisee's activities hereunder and
        shall operate in full compliance with all applicable laws, ordinances,
        and regulations. Master Franchisee acknowledges being advised that many
        jurisdictions have enacted laws concerning advertising, sale, renewal,
        termination, and continuing relationship between parties in a franchise
        agreement, including, without limitation, laws concerning disclosure
        requirements. Master Franchisee agrees promptly to become aware of, and
        to comply with, all such laws and legal requirements in force in the
        Territory and to utilize only offering circulars that Franchisor has
        approved for use in the applicable jurisdiction.

                                       85

<PAGE>

13.3.   Accuracy of Information. Before it offers or sells any franchise, Master
        Franchisee shall each time take reasonable steps to confirm that the
        information contained in any written materials, agreements, and other
        documents related to the offer or sale of franchises is true, correct,
        and not misleading at the time of such offer or sale, and the offer or
        sale of such franchise will not at that time be contrary to or in
        violation of any applicable state law related to the registration of the
        franchise offering. Franchisor shall provide Master Franchisee with any
        changes to its disclosure documents and other agreements on a timely
        basis, and shall, upon request, provide Master Franchisee with
        confirmation that the information contained in any written materials,
        agreements, or documents being used by Master Franchisee is true,
        correct, and not misleading, except for information specifically
        relating to disclosures regarding Master Franchisee. If Master
        Franchisee notifies Franchisor of an error in any information in
        Franchisor's documents, Franchisor shall have a reasonable period of
        time to attempt to correct any deficiencies, misrepresentations, or
        omissions in such information.

13.4.   Notification of Litigation. Master Franchisee shall notify Franchisor in
        writing within five days of the commencement of any action, suit,
        arbitration, proceeding, or investigation, and of the issuance of any
        order, writ, injunction, award, or decree, by any court, agency, or
        other governmental instrumentality, which concerns the operation or
        financial condition of Master Franchisee. Master Franchisee's Business
        or any Franchisee in the Territory.

13.5.   Ownership and Management of Business. Master Franchisee's Business shall
        at all times be under the direct, day-to-day, full-time supervision of
        Master Franchisee or the Managing Owner. Master Franchisee shall at all
        times during the term of this Agreement own and control the Business.
        Upon the request of Franchisor, Master Franchisee shall promptly provide
        satisfactory proof of such ownership. Master Franchisee represents that
        the Statement of Ownership, attached to this Agreement as Exhibit 2 is
        true, complete, and accurate and not misleading. Master Franchisee shall
        promptly provide Franchisor with written notification if the information
        contained in the Statement of Ownership changes at any time during the
        term of this Agreement and shall comply with the applicable transfer
        provision contained in Section 15. If Master Franchisee is not an
        individual, the Managing Owner(s) shall execute the Guaranty attached
        hereto as Exhibit 3 and incorporated herein by this reference.

13.6.   Conflicting Interests. Master Franchisee shall at all times faithfully,
        honestly, and diligently perform its obligations hereunder and
        continuously exert its best efforts to promote, enhance, and service
        Fitness Together Personal Training Studios in the Territory. Master
        Franchisee shall not engage in any other business or other activity,
        directly or indirectly, with the exception of operating Fitness Together
        Personal Training Studios, that requires any significant management
        responsibility, time commitments, or otherwise may conflict with Master
        Franchisee's obligations hereunder, without the prior written approval
        of Franchisor.

                                       86

<PAGE>

13.7.   Insurance. Master Franchisee shall at all times during the term of this
        Agreement maintain in force, at Master Franchisee's sole expense,
        insurance for Master Franchisee Business of the types, in the amounts,
        and with such terms and conditions as Franchisor may from time to time
        reasonably prescribe in the Master Franchisee Manual or otherwise. All
        of the required insurance policies shall name Franchisor as an
        additional insured, contain a waiver of the insurance company's right of
        subrogation against Franchisor and provide that Franchisor will receive
        30 days' prior written notice of termination, expiration, or
        cancellation of any such policy.

13.8.   Proof of Insurance Coverage. Master Franchisee will provide proof of
        insurance to Franchisor prior to commencement of operations of its
        Master Franchisee Business. This proof will show that the insurer has
        been required to inform Franchisor in the event any policies are
        amended, lapse, or are cancelled. Franchisor has the right to change the
        minimum amount of insurance Master Franchisee is required to maintain by
        giving Master Franchisee prior reasonable notice, giving due
        consideration to what is reasonable and customary in the similar
        business. Noncompliance with the insurance provisions set forth herein
        shall be deemed a material breach of this Agreement; and in the event of
        any lapse in insurance coverage, in addition to all other remedies,
        Franchisor shall have the right to demand that Master Franchisee cease
        operations of Master Franchisee Business until coverage is reinstated,
        or, in the alternative, pay any delinquencies in premium payments and
        charge the same back to Master Franchisee.

13.9.   Advertising in Territory. Master Franchisee may be asked to assist in
        advertising and marketing costs. Participation is not required.

13.10.  Approval of Advertising. Prior to their use by Master Franchisee,
        samples of all advertising and promotional materials not prepared or
        previously approved by Franchisor shall be submitted to Franchisor for
        approval, which approval shall not be unreasonably withheld. Master
        Franchisee shall not use any advertising or promotional materials that
        Franchisor has disapproved. Master Franchisee acknowledges and
        understands that certain states require the filing of franchise sales
        advertising materials with the appropriate state agency prior to
        dissemination. Master Franchisee agrees to fully and timely comply with
        such filing requirements at Master Franchisee's own expense unless such
        advertising has been previously filed with the state by Franchisor.
        Franchisor may charge Master Franchisee, in Franchisor's sole
        discretion, for the costs incurred by Franchisor in printing large
        quantities of advertising and marketing materials supplied by Franchisor
        to Master Franchisee at Master Franchisee's request.

13.11.  Accounting, Bookkeeping, and Records. Master Franchisee shall maintain
        at its Business premises in the Territory all original invoices,
        receipts, checks, contracts, licenses, acknowledgment of receipt forms,
        and bookkeeping and business records as Franchisor may require from time
        to time. Master Franchisee shall use an accounting software program as
        required by Franchisor from time to time. Master Franchisee shall
        furnish to Franchisor,

                                       87

<PAGE>

        within 120 days after the end of Master Franchisee's fiscal year, a
        balance sheet and profit and loss statement for Master Franchisee's
        business for such year (or monthly or quarterly statement if required by
        Franchisor, in which case such statements shall also reflect year-to-
        date information) as prepared on such required accounting program. In
        addition, upon request of Franchisor, within 10 days after such returns
        are filed, exact copies of federal and state income, sales, and any
        other tax returns and such other forms, records, books, and other
        information as Franchisor may periodically require regarding Master
        Franchisee's business shall be furnished to Franchisor. Master
        Franchisee shall maintain all records and reports of the business
        conducted pursuant to this Agreement for at least two years after the
        date of termination or expiration of this Agreement.

13.12.  Reports. Master Franchisee shall, as often as required by Franchisor,
        deliver to Franchisor a written report of its Business activities during
        such period as required in Sections 9.4 and 9.5, in such form and in
        such detail as Franchisor may from time to time specify, including
        information about efforts to solicit prospective Franchisees, the status
        of pending real estate transactions and the status of the Fitness
        Together Personal Training Studios in the Territory. Master Franchisee
        shall, as often as required by Franchisor, during the term of this
        Agreement, deliver to Franchisor the quality assurance inspection
        reports required in Section 9.5 for each Franchisee in the Territory, in
        such form and in such detail as Franchisor may from time to time
        specify. Master Franchisee authorizes Franchisor to use information from
        Master Franchisee's Business on a nondisclosed basis in Franchisor's
        disclosure statements required by any federal or state law.

14.     INSPECTIONS AND AUDITS

14.1.   Inspections and Audits. To determine whether Master Franchisee is
        complying with this Agreement, Franchisor or its designee shall have the
        right at any time during normal business hours, and without prior notice
        to Master Franchisee, to enter onto the premises in which Master
        Franchisee is then keeping its business records and inspect, and conduct
        an audit of, the business records, bookkeeping and accounting records,
        invoices, payroll records, time cards, check stubs, bank deposits,
        receipts, sales tax records and returns, and other business records and
        documents of Master Franchisee's Business. Master Franchisee and its
        employees shall fully cooperate with representatives of Franchisor
        making, conducting, supervising, or observing any such inspection or
        audit, including, without limitation, providing to Franchisor all
        passwords necessary to access any computer-based records, information
        concerning all software applications and programs, the location of all
        computer files, and an explanation of the functionality of all
        computer-based accounting and record keeping systems.

15.     TRANSFERS

15.1.   Transfers by Franchisor. This Agreement is fully transferable by
        Franchisor and shall inure to the benefit of any transferee or other
        legal successor to Franchisor's interests herein.

                                       88

<PAGE>

15.2.   Transfers by Master Franchisee. Master Franchisee agrees that the rights
        and duties created by this Agreement are personal to Master Franchisee
        (or its shareholders or partners if Master Franchisee is a corporation
        or partnership), and that Franchisor has entered into this Agreement in
        reliance upon Franchisor's perceptions of the individual or collective
        character, skill, aptitude, attitude, business ability, and financial
        capacity of Master Franchisee (or its shareholders, members, managers,
        or partners). Accordingly, without the prior written consent of
        Franchisor, which consent will not be unreasonably withheld, neither
        this Agreement (or any interest therein) nor any part or all of the
        ownership of Master Franchisee may be transferred. Any unauthorized
        transfer shall constitute a breach hereof and be void and of no effect.
        As used in this Agreement, the term "transfer" shall mean and include
        the voluntary, involuntary, direct, or indirect assignment, sale,
        subfranchise, gift, or other disposition by Master Franchisee (or any of
        its owners) of any interest in: (1) this Agreement; (2) 30% or more of
        the ownership of Master Franchisee; or (3) the assets of the Business.

15.3.   Condition for Approval of Transfer. Franchisor shall not be obligated to
        approve a proposed transfer unless Master Franchisee (and its owners)
        are in full compliance with this Agreement. Franchisor shall not
        unreasonably withhold its approval or a transfer that meets all the
        applicable requirements of this Section. The proposed transferee and its
        owners must be individuals of good moral character and otherwise meet
        Franchisor's then applicable standards for area directors. If the
        transfer is of this Agreement, a 30% or more ("Controlling Interest")
        interest in Master Franchisee, or all or a substantial portion of the
        assets of the Business, or is one of a series of transfers which in the
        aggregate constitute the transfer of this Agreement, a Controlling
        Interest in Master Franchisee or all or a substantial portion of the
        assets of the Business, all of the following conditions must be met
        prior to or concurrently with the effective date of the transfer:

        (a)  The transferee has sufficient business experience, aptitude, and
             financial resources to act as an Master Franchisee, agrees to be
             bound by all of the terms and conditions of this Agreement, and the
             transferee and its Managing Owner must have completed Franchisor's
             training program to Franchisor's satisfaction;

        (b)  Master Franchisee has paid all fees due hereunder and all other
             amounts owed to Franchisor or its affiliates and third party
             creditors and submit to Franchisor all required reports and
             statements;

        (c)  Master Franchisee or the transferee has paid Franchisor a transfer
             fee in the amount of $10,000 to defray expenses Franchisor incurs
             in connection with the transfer;

        (d)  Master Franchisee (and its transferring owners) executes a general
             release, in form satisfactory to Franchisor, of any and all claims
             against Franchisor and its affiliates and their respective
             officers, directors, employees, and agents;

                                       89

<PAGE>

        (e)  The transferee signs an express written assumption of Master
             Franchisee's obligations pursuant to this Agreement, or at the
             option of Franchisor, executes a Master Franchisee Agreement in the
             form then currently offered by Franchisor, the term of which will
             end on the expiration date of this Agreement, and which shall
             supersede this Agreement in all respects. If a new Master
             Franchisee Agreement is signed, the terms may differ from the terms
             of this Agreement; provided, however, the transferee will not be
             required to pay any additional Initial Fee;

        (f)  Franchisor approves the material terms and conditions of such
             transfer, including, without limitation, that the price and terms
             of payment are not so burdensome as to affect adversely the
             transferee's business as a Master Franchisee of Franchisor;

        (g)  If Master Franchisee (and the transferring owners) finances any
             part of the sale price of the transferred interest, Master
             Franchisee and its owners agree that all obligations of the
             transferee under any promissory notes, agreements, or security
             interests shall be subordinate to the transferee's obligations to
             pay fees, and other amounts due to Franchisor and its affiliates
             and otherwise to comply with this Agreement; and

        (h)  Master Franchisee (and its transferring owners) executes a
             noncompetition covenant in favor of Franchisor and the transferee
             with terms the same as those set forth in Section 17.5.

15.4.   Transfer to an Entity. If Master Franchisee is in full compliance with
        this Agreement, Master Franchisee may transfer this Agreement to a
        corporation or other entity of which Master Franchisee owns not less
        than two-thirds of the ownership interest with Franchisor's prior
        written approval, which approval shall not be unreasonably withheld. The
        transfer fee described in Section 15.3(c) will be waived by Franchisor,
        and all owners of such entity shall sign a Guaranty and Assumption of
        Master Franchisee's Obligations attached hereto as Exhibit 3.

15.5.   Franchisor's Approval of Transfer. Franchisor has 30 days from the date
        of the written notice to approve or disapprove in writing Master
        Franchisee's proposed transfer. Written notice shall mean and include
        all documentation necessary to evaluate the transferee. Master
        Franchisee acknowledges that the proposed transferee shall be evaluated
        for approval by Franchisor based on the same criteria as is currently
        being used to assess new Master Franchisees of Franchisor and that such
        proposed transferee shall be provided, if appropriate, with such
        disclosures as may be required by state or federal law.

15.6.   Death or Disability of Master Franchisee. Upon the death or permanent
        disability of Master Franchisee or a Managing Owner, the personal
        representative of such person shall transfer his or her interest in this
        Agreement or such interest in Master Franchisee to an approved third
        party. Such disposition of this Agreement or such interest (including,
        without limitation, transfer by bequest or inheritance) shall be
        completed within a reasonable time,

                                       90

<PAGE>

        not to exceed six months from the date of death or permanent disability
        (unless extended by probate proceeding), and shall be subject to all the
        terms and conditions applicable to transfers contained in this Section.
        Failure to transfer the interest in this Agreement or such interest in
        Master Franchisee within said period of time shall constitute a breach
        of this Agreement. For purposes hereof, the term "permanent disability"
        shall mean a mental or physical disability, impairment, or condition
        that prevents Master Franchisee or an owner of a Controlling Interest in
        Master Franchisee from performing the essential functions of Master
        Franchisee. The $10,000.00 transfer fee is waived in the event of a
        death.

15.7.   Right of First Refusal. In the event Master Franchisee wishes to sell,
        transfer, gift, assign, or otherwise dispose of any interest in this
        Agreement, a Controlling Interest in any entity that owns it, or all or
        a substantial portion of the assets of the Business, Master Franchisee
        agrees to grant to Franchisor a 30-day right of first refusal to
        purchase such rights, interest, or assets on the same terms and
        conditions as are contained in the written offer to purchase submitted
        to Master Franchisee by a bona fide proposed purchaser; provided,
        however, the following Master Franchisee additional terms and conditions
        shall apply:

        (a)  Master Franchisee shall notify Franchisor of such offer by sending
             a written notice to Franchisor, enclosing a copy of the written
             offer signed by the bona fide proposed purchaser;

        (b)  The 30-day right of first refusal period will run concurrently with
             the period in which Franchisor has to approve or disapprove the
             proposed transferee;

        (c)  Such right of first refusal arises for each proposed transfer and
             any material change in the terms or conditions of the proposed
             transfer, even if to the same bona fide proposed purchaser, shall
             be deemed a separate offer for which a new 30-day right of first
             refusal shall be given to Franchisor;

        (d)  If the consideration or manner of payment offered by a third party
             is such that Franchisor may not reasonably be required to furnish
             the same, then Franchisor may purchase the interest which is
             proposed to be sold for the reasonable cash equivalent. If the
             parties cannot agree within a reasonable time on the cash
             consideration, an independent appraiser shall be designated by
             Franchisor, whose determination will be binding upon the parties.
             All expenses of the appraiser shall be paid for equally between
             Franchisor and Master Franchisee; and

        (e)  If Franchisor chooses not to exercise its right of first refusal,
             Franchisee shall be free to complete the sale, transfer, or
             assignment, subject to compliance with Sections 15.3 and 15.5.
             Absence of a reply to Master Franchisee's notice of a proposed sale
             within the 30-day period is deemed a waiver of such right of first
             refusal.

                                       91

<PAGE>

             Notwithstanding the preceding, this Section 15.7 shall not apply to
             any proposed transfer of any minority interest (in a single
             transaction or on a cumulative basis) in Master Franchisee to
             employees of Master Franchisee or family members of any Managing
             Owner so long as Master Franchisee, if an individual, and all
             Managing Owners maintain an ownership interest in the Business and
             continue maintaining an active role in such Business. Section 15.5
             will apply to such transfers. In addition to the preceding, this
             Section 15.7 will not apply to any transfer made pursuant to
             Section 15.4, above.

16.     TERM AND EXPIRATION

16.1.   Term. The primary term of this Agreement is for a period of 10 years
        from the Effective Date, unless sooner terminated as provided herein.

16.2.   Renewal. At the end of the primary term, Master Franchisee shall have
        the option to renew its area director rights for an additional 10-year
        term, so long as Master Franchisee:

        (a)  At least 60 days prior to expiration of the term, executes the form
             of Master Franchisee then in use by Franchisor, which agreement may
             contain terms materially different than those in this Agreement;
             provided that Master Franchisee shall not be required to pay a new
             Initial Fee, and commission percentages and definition of the
             Territory will not be altered. For purposes of this Section, the
             renewed Master Franchisee rights shall constitute successor
             franchise rights.

        (b)  Has complied with all provisions of this Agreement during the
             primary term, including the payment on a timely basis of all fees
             due hereunder. "Compliance" shall mean, at a minimum, that Master
             Franchisee has not received any written notification from
             Franchisor of breach hereunder more than three times during the
             primary term;

        (c)  Is not in default or under notification of breach of this Agreement
             at the time it gives notice under Section 16.4; and

        (d)  Executes a general release, in a form satisfactory to Franchisor,
             of any and all claims against Franchisor and its affiliates, and
             their respective officers, directors, employees, and agents arising
             out of or relating to this Agreement; and

        (e)  Has agreed on new Sales and Openings Goals for the additional term
             in accordance with Section 16.3.

16.3.   New Sales and Opening Goals.

        (a)  In addition to those items listed in Section 16.2, this Agreement
             may only be renewed if Master Franchisee and Franchisor have agreed
             on new Sales and

                                       92

<PAGE>

             Openings Goals for the additional term at least 90 days prior to
             expiration of the primary term.

        (b)  If Franchisor proposes new Sales and Openings Goals for the
             additional term that result in excess of one Fitness Together
             Personal Training Studio per 25,000 population in the Territory,
             Master Franchisee may submit the matter to arbitration before and
             in accordance with the rules of the American Arbitration
             Association in order to determine whether the proposed new Sales
             and Openings Goals are reasonable. Master Franchisee shall not have
             the right, however, to submit this matter to arbitration if
             Franchisor proposes new Sales and Openings Goals for the additional
             term that are less than or equal to one Fitness Together Personal
             Training Studio per 25,000 population in the Territory. All
             Territories shall have an average household income of $80,000 or
             more. The decision of the arbitrator shall be non- appealable,
             conclusive, and binding on all parties. The arbitration fee shall
             be borne equally by Franchisor and Master Franchisee. Each party
             shall be responsible for any other expenses incurred by that party
             in association with such arbitration, including attorneys' and
             expert witness fees, notwithstanding provisions of Section 19 to
             the contrary. The arbitration shall be held in Denver, Colorado.

        (c)  In the event that Master Franchisee is not satisfied with the
             decision of the arbitration, Master Franchisee shall have 15 days
             from the date that the arbitration decision is rendered to waive
             its option to renew its Master Franchisee rights.

        (d)  If Master Franchisee has notified Franchisor of its intent to renew
             as provided in Section 16.4, and so long as a demand for
             arbitration has been filed prior to the expiration of the primary
             term and the parties are diligently pursuing such arbitration, this
             Agreement shall automatically be extended until 15 days following
             the date that the arbitration award is rendered.

16.4.   Exercise of Renewal Option. Master Franchisee may exercise its option to
        renew by giving written notice of such exercise to Franchisor not more
        than 180 days nor less than 120 days prior to the expiration of the
        primary term.

16.5.   Conditions of Refusal. Franchisor shall not be obligated to offer Master
        Franchisee renewal upon the expiration of this Agreement if Master
        Franchisee fails to comply with any of the above conditions of renewal.
        In such event, except for failure to execute the then current Master
        Franchise Agreement, Franchisor shall give Master Franchisee notice of
        expiration at least 60 days prior to the expiration of the term, and
        such notice shall set forth the reasons for such refusal to offer
        renewal. Upon the expiration of this Agreement, Master Franchisee shall
        comply with the provisions of Section 17.3.

                                       93

<PAGE>

17.     TERMINATION

17.1.   By Master Franchisee. Master Franchisee may terminate this Agreement at
        any time during the term hereof with 180 days advance written notice to
        Franchisor.

17.2.   By Franchisor. Franchisor shall have the right to terminate this
        Agreement, effective upon delivery of written notice of termination to
        Master Franchisee, that any one or more of the following Events of
        Default shall have occurred:

        (a)  At any time, for more than a 30-day period, no Managing Owner nor
             any individual Master Franchisee shall have successfully completed
             the training program as provided in Section 7.1;

        (b)  The Master Franchisee or any Managing Owner has made any material
             misrepresentation or omission in its application to be a Master
             Franchisee;

        (c)  Master Franchisee shall have failed to meet the Sales and Opening
             Goals set forth in Exhibit 1 and does not correct such failure
             within 90 days after written notice of such failure to comply is
             delivered to Master Franchisee;

        (d)  Master Franchisee shall have failed to comply with any other
             provision of this Agreement or any mandatory specification,
             standard, or operating procedure prescribed by Franchisor and does
             not correct such failure within 30 days after written notice of
             such failure to comply is delivered to Master Franchisee;

        (e)  Master Franchisee surrenders, transfers control of, or makes an
             unauthorized transfer of this Agreement or any person makes any
             unauthorized transfer of an ownership interest in Master
             Franchisee;

        (f)  Master Franchisee or any Managing Owner is convicted by a trial
             court of or pleads no contest to a felony, or to any other crime or
             offense that is, in the opinion of Franchisor, likely to adversely
             affect the goodwill associated with the Marks, or engages in any
             conduct which may adversely affect the reputation of the Fitness
             Together Personal Training Studios or the goodwill associated with
             the Marks;

        (g)  Master Franchisee or any Managing Owner is declared bankrupt or
             insolvent or voluntarily institutes a bankruptcy proceeding under
             the Bankruptcy Code or is adjudicated bankrupt as a result of an
             involuntary petition in bankruptcy being filed against it. (This
             provision may not be enforceable under federal bankruptcy law, 11
             U.S.C. ss.ss. 101, et seq.);

        (h)  Master Franchisee abandons or ceases to operate the Master
             Franchisee Business for a period of 30 consecutive days or any
             shorter period that indicates an intent by

                                       94

<PAGE>

             Master Franchisee to discontinue operation of the Master Franchisee
             Business unless precluded from doing so by an event beyond Master
             Franchisee's reasonable control, other than for financial reasons,
             or abandons any Franchised Location owned by Master Franchisee;

        (i)  Master Franchisee has been sent three notices of default by
             Franchisor within a 12-month period, regardless of whether the
             defaults were cured by Master Franchisee; or

        (j)  Fails to pay any amounts due Franchisor or its affiliates within 10
             days after receiving notice that such fees or amounts are overdue.

17.3.   Rights and Obligations of Master Franchisee Upon Termination or
        Expiration. Upon termination of this Agreement, whether pursuant to
        Sections 17.1, 17.2, or upon expiration of this Agreement pursuant to
        Section 16, Master Franchisee agrees:

        (a)  To pay Franchisor within 15 days after the effective date of
             termination or expiration of this Agreement, or such later date
             that the amounts due to Franchisor are determined, such fees,
             amounts owed for purchases by Master Franchisee from Franchisor or
             its affiliates, interest due on any of the foregoing, and all other
             amounts owed to Franchisor or its affiliates which are then unpaid;

        (b)  To not, directly or indirectly, at any time or in any manner
             (except with respect to Fitness Together Personal Training Studio
             franchises owned and operated by Master Franchisee) identify itself
             or any business as a current Master Franchisee or authorized agent
             of Franchisor or its affiliates, use any Mark, any colorable
             imitation thereof, or other indicia of Fitness Together Personal
             Training Studio in any manner or for any purpose or utilize for
             purpose any trade name, trademark, or service mark or other
             commercial symbol that suggests or indicates a connection or
             association with Franchisor or its affiliates;

        (c)  To immediately deliver to Franchisor all past and present franchise
             sales leads and records and all contracts, acknowledgments of
             receipt, and other information and records related to Franchisees
             of Franchisor in the Territory;

        (d)  To immediately deliver to Franchisor all advertising materials, the
             Master Franchisee Manual, all other manuals, forms, offering
             circulars, franchise sales brochures, and other materials
             containing any Mark or otherwise identifying or relating to the
             sale or service of Fitness Together Personal Training Studio
             Franchises;

        (e)  To refrain from communicating, in any manner, with Franchisees
             concerning Franchisor or obligations arising from this Agreement or
             the Franchise Agreement, except as expressly authorized by
             Franchisor;

                                       95

<PAGE>

        (f)  To take such action as may be required to cancel all fictitious or
             assumed names or equivalent registrations relating to Master
             Franchisee's use of any Mark;

        (g)  To notify the telephone company and all telephone directory
             publishers of the termination or expiration of Master Franchisee's
             right to use any telephone number and any regular, classified, or
             other telephone directory listings associated with any Mark and to
             authorize transfer thereof to Franchisor or its designee. Master
             Franchisee acknowledges that, as between it and Franchisor,
             Franchisor has the sole rights to and interest in all telephone,
             telecopy or facsimile machine numbers, and directory listings
             associated with any Mark. Master Franchisee authorizes Franchisor,
             and hereby appoints Franchisor and any of its officers as Master
             Franchisee's attorney-in-fact, to direct the telephone company and
             all telephone directory publishers to transfer any telephone,
             telecopy or facsimile machine numbers, and directory listings
             relating to Master Franchisee's Business to Franchisor at its
             direction, should Master Franchisee fail or refuse to do so, and
             the telephone company and all telephone directory publishers may
             accept such direction or this Agreement as conclusive evidence of
             Franchisor's exclusive rights in such telephone numbers and
             directory listings and Franchisor's authority to direct their
             transfer; and

        (h)  Furnish Franchisor, within 30 days after the effective date of
             termination or expiration, with evidence satisfactory to Franchisor
             of Master Franchisee's compliance with the foregoing obligations.

17.4.   Confidential Information. Master Franchisee agrees that, upon
        termination or expiration of this Agreement, Master Franchisee shall
        immediately cease to use any Confidential Information of Franchisor
        pursuant to this Agreement in any business or otherwise (except in
        connection with the operation of a Fitness Together Personal Training
        Studio as may be expressly permitted by a Franchise Agreement with
        Franchisor) and return to Franchisor all copies of the Master Franchisee
        Manual and any other confidential materials which have been loaned to
        Master Franchisee by Franchisor.

        17.5. Covenant Not to Compete. Upon termination or expiration of this
        Agreement, Master Franchisee (and its shareholders, officers, directors,
        members, managers, or partners if Master Franchisee is a corporation,
        partnership, or limited liability company [collectively "Bound
        Parties"]) and all Managing Owners agree that, for the greater of (i) a
        period of two years commencing on the effective date of termination or
        expiration of this Agreement; or (ii) the period of time after the
        termination or expiration of this Agreement during which Master
        Franchisee is receiving any commissions pursuant to Section 6.6, neither
        Master Franchisee nor any Bound Party shall have any direct or indirect
        interest (through a member of any immediate family of Master Franchisee
        or any Bound Party or otherwise) as a disclosed or beneficial owner,
        investor, partner, director, officer, employee, consultant,
        representative, or agent or in any other capacity in any Competitive
        Business located in any territory in which Franchisor or its affiliates
        or area directors conduct business at the time

                                       96

<PAGE>

        of termination. The restrictions of this Section shall not be applicable
        to the ownership of shares of a class of securities listed on a stock
        exchange or traded on the over-the-counter market that represent five
        percent or less of the number of shares of that class of securities
        issued and outstanding. Master Franchisee and each Bound Party expressly
        acknowledge that they possess skills and abilities of a general nature
        and have other opportunities for exploiting such skills. Consequently,
        enforcement of the covenants made in this Section will not deprive them
        of their personal goodwill or ability to earn a living.

17.6.   No Further Right to Payment. Upon termination of this Agreement, Master
        Franchisee forfeits all fees paid to Franchisor and remains liable to
        Franchisor for all amounts due to Franchisor on the date of termination.
        Master Franchisee shall have no further right to receive payment of
        commissions or Royalty Fees from Franchisor, except for those
        commissions or Royalty Fees which have been fully earned by Master
        Franchisee up through the date of such termination and except for those
        commissions described in Section 6.6, if applicable. For purposes of
        this Agreement, "fully earned" commissions shall mean commissions due on
        franchise sales for which all conditions described in Section 6.1 have
        been met or fulfilled for the purchase of a franchise for a Fitness
        Together Personal Training Studio to be located within the Territory by
        Master Franchisee. "Fully earned" Royalty Fees shall mean those Royalty
        Fees which accrue up through the date of termination which are otherwise
        owed to Master Franchisee. Franchisor shall have the right to
        immediately assume control of and manage all franchise sales in the
        Region and to receive all Royalty Fees from Franchisees in the
        Territory. Any fully earned commissions or Royalty Fees which are due to
        Master Franchisee will be paid by Franchisor in accordance with the
        provisions of Section 6.

17.7.   Continuing Obligations. All obligations of Franchisor and Master
        Franchisee and the Bound Parties that expressly or by their nature
        survive the expiration or termination of this Agreement shall continue
        in full force and effect subsequent to and notwithstanding its
        expiration or termination and until they are satisfied or by their
        nature expire.

17.8.   State and Federal Law. The parties acknowledge that in the event that
        the terms of this Agreement regarding termination or expiration are
        inconsistent with applicable state or federal law, such law shall govern
        Master Franchisee's rights regarding termination or expiration of this
        Agreement.

18.     RELATIONSHIP OF THE PARTIES

18.1.   Relationship of the Parties. It is understood and agreed by the parties
        that this Agreement does not create a fiduciary relationship between
        them, that the parties are independent contractors, and that nothing in
        this Agreement is intended to make either party a general agent,
        subsidiary, joint venturer, partner, employee, or servant of the other
        for any purpose. Master Franchisee shall conspicuously identify itself
        in all dealings with Franchisees, prospective Franchisees, lessors,
        contractors, suppliers, public officials, and others as the

                                       97

<PAGE>

        owner of its own business under a Master Franchise Agreement with
        Franchisor, and shall place such other notices of independent ownership
        on signs, forms, stationary, advertising, and other materials as
        Franchisor may require from time to time.

18.2.   Payment of Third Party Obligations. Neither Franchisor nor Master
        Franchisee shall make any express or implied agreements, guaranties, or
        representations, or incur any debt, in the name of or on behalf of the
        other or represent that their relationship is other than independent
        contractors, and neither Franchisor nor Master Franchisee shall be
        obligated by or have any liability under any agreements or
        representations made by the other that are not expressly authorized
        hereunder, nor shall Franchisor be obligated for any damages to any
        person or property directly or indirectly arising out of the operation
        of Master Franchisee's business, whether or not caused by Master
        Franchisee's negligent or willful action or failure to act.

18.3.   Indemnification. Master Franchisee agrees to indemnify and hold
        Franchisor and its subsidiaries, affiliates, stockholders, directors,
        officers, employees, agents, and assignees harmless against, and to
        reimburse them for, any loss, liability, taxes, or damages (actual or
        consequential) and all reasonable costs and expenses of defending any
        claim brought against any of them or any action in which any of them is
        named as a party (including, without limitation, reasonable
        accountants', attorneys', and expert witness fees, costs of
        investigation and proof of facts, court costs, other litigation
        expenses, and travel and living expenses) which any of them may suffer,
        sustain, or incur by reason of, arising from or in connection with any
        acts, omissions, or activities of Master Franchisee or any employee of
        or independent contractor hired by Master Franchisee. Franchisor shall
        have the right to defend any such claim against it. This indemnity shall
        continue in full force and effect, subsequent to and notwithstanding the
        expiration or termination of this Agreement.

19.     DISPUTES

19.1.   Governing Law; Consent to Venue and Jurisdiction. Except to the extent
        governed by the United States Trademark Act of 1946 (Lanham Act, 15
        U.S.C.ss.ss.1051, et seq.) or other federal law, this Agreement shall be
        interpreted under the laws of the State of Colorado and any dispute
        between the parties shall be governed by and determined in accordance
        with the substantive laws of the State of Colorado, which laws shall
        prevail in the event of any conflict of law. Master Franchisee and
        Franchisor have negotiated regarding a forum in which to resolve any
        disputes which may arise between them and have agreed to select a forum
        in order to promote stability in their relationship. Therefore, if a
        claim is asserted in any legal proceeding involving the Master
        Franchisee or any Bound Party and Franchisor, the parties agree that the
        exclusive venue for disputes between them shall be in the District Court
        for the City & County of Denver, Colorado, or the United States District
        Court for the District of Colorado, and the parties each waive any
        objection they may have to the personal jurisdiction of or venue in such
        courts.

                                       98

<PAGE>

19.2.   Waiver of Jury Trial. Franchisor, Master Franchisee and the Bound
        Parties each waive their right to a trial by jury. Master Franchisee,
        the Bound Parties, and Franchisor acknowledge that the parties' waiver
        of jury trial rights provides the parties with the mutual benefit of
        uniform interpretation of this Agreement and any dispute arising out of
        this Agreement or out of the parties' relationship created by this
        Agreement. Master Franchisee, the Bound Parties, and Franchisor further
        acknowledge the receipt and sufficiency of mutual consideration for such
        benefit.

19.3.   Limitation of Claims. Master Franchisee and the Bound Parties agree not
        to bring any claim asserting that any of the Marks are generic or
        otherwise invalid. Any claims between the parties must be commenced
        within one year from the occurrence of the facts giving rise to such
        claim, or such claim shall be barred. The parties understand that such
        time limit may be shorter than otherwise allowed by law. Master
        Franchisee and the Bound Parties agree that their sole recourse for
        claims arising between the parties shall be against Franchisor or its
        successors and assigns. Master Franchisee and the Bound Parties agree
        that the shareholders, directors, officers, employees, and agents of the
        Franchisor and its affiliates (other than Master Franchisee) shall not
        be personally liable nor named as a party in any action between the
        Franchisor and Master Franchisee or any Bound Parties. The parties
        further agree that, in connection with any such proceeding, each must
        submit or file any claim which would constitute a compulsory
        counterclaim (as defined by Rule 13 of the Federal Rules of Civil
        Procedure) within the same proceeding as the claim to which it relates.
        Any such claim which is not submitted or filed as described above will
        be forever barred. The parties agree that any proceeding will be
        conducted on an individual, not a class- wide, basis, and that a
        proceeding between Franchisor and Master Franchisee or the Bound Parties
        may not be consolidated with any other proceeding between Franchisor and
        any other person or entity. No party will be entitled to an award of
        punitive or exemplary damages (provided that this limitation shall not
        apply to statutory penalties such as those set forth in 15 U.S.C.
        1117(a)). No previous course of dealing shall be admissible to explain,
        modify, or contradict the terms of this Agreement. No implied covenant
        of good faith and fair dealing shall be used to alter the express terms
        of this Agreement.

20.     MISCELLANEOUS PROVISIONS

20.1.   Invalidity. If any provision of this Agreement is held invalid by any
        tribunal in a final decision from which no appeal is or can be taken,
        such provision shall be deemed modified to eliminate the invalid element
        and, as so modified, such provision shall be deemed a part of this
        Agreement as though originally included. The remaining provisions of
        this Agreement shall not be affected by such modification.

20.2.   Modification. No amendment, waiver, or modification of this Agreement
        shall be effective unless it is in writing and signed by the party or
        parties against whom such amendment or waiver is to be enforced. Master
        Franchisee acknowledges that Franchisor may modify its standards and
        specifications and operating and marketing techniques set forth in the
        Master Franchisee Manual unilaterally under any conditions and to the
        extent in which Franchisor,

                                       99

<PAGE>

        in its sole discretion, deems necessary to protect, promote, or improve
        the Marks and the quality of the Licensed Methods, but under no
        circumstances will such modifications be made arbitrarily without such
        determination.

20.3.   Attorneys' Fees. In the event of any default on the part of either party
        to this Agreement, in addition to all other remedies, the party in
        default will pay the aggrieved party all amounts due and all damages,
        costs, and expenses, including reasonable attorneys' fees, incurred by
        the aggrieved party in any legal action or other proceeding as a result
        of such default, plus interest at the lesser of 2% per month or the
        highest rate allowable by law, accruing from the date of such default.

20.4.   No Jury. To save expenses and to avoid the prospect of fact finding by
        persons with non- legal and non-business backgrounds, to the extent
        permitted by law, Franchisor and Master Franchisee agree that any
        dispute under this Agreement shall be heard before and resolved by a
        judge, and, to the extent permitted by law, Franchisor and Master
        Franchisee waive the right to a jury trial.

20.5.   Injunctive Relief. Nothing herein shall prevent Franchisor or Master
        Franchisee from seeking injunctive relief to prevent irreparable harm,
        in addition to all other remedies.

20.6.   No Waiver. No waiver of any condition or covenant contained in this
        Agreement or failure to exercise a right or remedy by Master Franchisee
        or Franchisor shall be considered to imply or constitute a further
        waiver by Franchisor or Master Franchisee of the same or any other
        condition, covenant, right, or remedy.

20.7.   No Right to Set-Off. Master Franchisee shall not be allowed to set-off
        amounts owed to Franchisor for fees or other amounts due hereunder,
        against any monies owed to Master Franchisee, which right of set-off is
        hereby expressly waived by Master Franchisee.

20.8.   Effective Date. Regardless of the date first written above, this
        Agreement shall not be effective until executed by Franchisor as
        evidenced by dating and signing by an officer of Franchisor.

20.9.   Review of Agreement. Master Franchisee acknowledges that it had a copy
        of Franchisor's Uniform Franchise Offering Circular in its possession
        for a period of time not less than 10 full business days, and this
        Agreement in its possession for a period of time not less than five full
        business days, during which time Master Franchisee has had Franchisee
        the opportunity to submit the same for review and advice by a
        professional of Master Franchisee's choosing prior to freely executing
        this Agreement.

20.10.  Entire Agreement. This Agreement (which includes the attachments and
        Exhibits expressly incorporated herein) contains the entire agreement
        between the parties and supersedes any and all prior agreements
        concerning the subject matter hereof. Master Franchisee agrees and

                                       100

<PAGE>

        understands that Franchisor shall not be liable or obligated for any
        oral representations or commitments made prior to the execution hereof
        or for claims of negligent or fraudulent misrepresentation and that no
        modifications of this Agreement shall be effective except those in
        writing and signed by both parties. Franchisor does not authorize and
        will not be bound by any representation of any nature other than those
        expressed in this Agreement. Master Franchisee further acknowledges and
        agrees that no representations have been made to it by Franchisor
        regarding projected sales volumes, market potential, revenues, profits
        of Master Franchisee's Business, or operational assistance other than as
        stated in this Agreement or in any disclosure document provided in
        connection herewith. Master Franchisee acknowledges and agrees that any
        delegation of Franchisor's duties and obligations to Master Franchisee
        does not assign or confer any rights under any Franchise Agreement
        (unless entered into between Master Franchisee and Franchisor) upon
        Master Franchisee or and that Master Franchisee is not a third party
        beneficiary of any Franchise Agreement between Franchisor and a
        Franchisee who is not also the Master Franchisee.

20.11.  Notices. All notices required to be given under this Agreement shall be
        given in writing, by certified mail, return receipt requested, or by an
        overnight delivery service providing documentation of receipt, to
        addresses set forth in the first paragraph of this Agreement, or, with
        respect to notices to Master Franchisee, to the address of Master
        Franchisee's Business, or at such other addresses as Franchisor or
        Master Franchisee may designate from time to time, and shall be
        effectively given when deposited in the United States Mail, postage
        prepaid, or when delivered via overnight delivery, as may be applicable.

20.12.  Acknowledgment. BEFORE SIGNING THIS AGREEMENT, MASTER FRANCHISEE SHOULD
        READ IT CAREFULLY WITH THE ASSISTANCE OF LEGAL COUNSEL. MASTER
        FRANCHISEE ACKNOWLEDGES THAT:

        (a)  THE SUCCESS OF THE BUSINESS VENTURE CONTEMPLATED HEREIN INVOLVES
             SUBSTANTIAL RISKS AND DEPENDS UPON MASTER FRANCHISEE'S ABILITY AS
             AN INDEPENDENT BUSINESS PERSON AND ITS ACTIVE PARTICIPATION IN THE
             DAILY AFFAIRS OF THE BUSINESS; AND

        (b)  NO ASSURANCE OR WARRANTY, EXPRESS OR IMPLIED, HAS BEEN GIVEN AS TO
             THE POTENTIAL SUCCESS OF SUCH BUSINESS VENTURE OR THE EARNINGS
             LIKELY TO BE ACHIEVED; AND

        (c)  NO STATEMENT, REPRESENTATION, OR OTHER ACT, EVENT, OR
             COMMUNICATION, EXCEPT AS SET FORTH IN THIS DOCUMENT AND IN ANY
             OFFERING CIRCULAR SUPPLIED TO MASTER FRANCHISEE, IS BINDING ON
             FRANCHISOR IN CONNECTION WITH THE SUBJECT MATTER OF THIS AGREEMENT.

                                       101

<PAGE>

IN WITNESS WHEREOF, the parties hereto have executed, sealed, and delivered this
Agreement in counterparts on the date first mentioned above.

FRANCHISOR:

FITNESS FOR LIFE FRANCHISE CORPORATION,
An Arizona Corporation

By:
   --------------------------------------------------
Its:
    -------------------------------------------------
Date:
     ------------------------------------------------

MASTER FRANCHISEE:

By:
   --------------------------------------------------
Printed Name:
             ----------------------------------------
Its:
    -------------------------------------------------
Date:
     ------------------------------------------------

MANAGING OWNER(S):

Printed Name:
             ----------------------------------------
Date:
     ------------------------------------------------

Printed Name:
             ----------------------------------------
Date:
     ------------------------------------------------

Printed Name:
             ----------------------------------------
Date:
     ------------------------------------------------

                                       102

<PAGE>

                                    EXHIBIT 1
                                    ---------

                                       103

<PAGE>

                                    EXHIBIT 2
                                    ---------

                                       104

<PAGE>

                                    EXHIBIT 3
                                    ---------

                          AGREEMENT OF MANAGING OWNERS
                                  AND GUARANTY

     Each of the undersigned officer, director, shareholder, partner, member,
owner, manager, or Managing Owner of Master Franchisee agrees to be personally
bound by Article 11 (Proprietary Information), Section 9.9 (Discoveries),
Article 12 (Covenants Not to Compete), Article 15 (Transfers), and Sections 20.3
(Cost of Enforcement) and 20.4 (No Jury) in each case as such Sections 20.3 and
20.4 relate to breaches by the undersigned of Section 9.9, Articles 11, 12, or
15, of the preceding Master Franchise Agreement (the "Franchise Agreement").
Listed below after the printed name of each Managing Owner is the ownership
percentage of the Managing Owner in the Master Franchisee which is represented
by the undersigned Managing Owners, jointly and severally, to be correct. Upon
the request of Franchisor from time to time, each Managing Owner shall deliver
to Franchisor in writing a complete statement listing the individuals who
ultimately own any interest in Master Franchisee or any affiliated company, the
form of such interests, and their percentage ownership.

     Each of the undersigned ("Guarantor") guarantees to Franchisor the timely,
full, and complete performance of all of Master Franchisee's obligations under
the preceding Agreement, including, without limitation, payment to Franchisor of
all amounts due. This guaranty is a guaranty of payment and performance and not
a guaranty of collection. In the event of a default under the Franchise
Agreement by Master Franchisee, Franchisor may proceed against Master Franchisee
or any Guarantor in any order or simultaneously. Each Guarantor represents that
he or she has full and complete access to all information and records regarding
Master Franchisee and Master Franchisee's operations, and that it is the
responsibility of each Guarantor to keep itself informed about Master
Franchisee, Master Franchisee's operations, and this Franchise Agreement. From
time to time, without notice to or consent of any Guarantor, the Franchise
Agreement may be modified or amended, and the preceding guaranty shall not be
affected by any amendment or modification to the Franchise Agreement agreed to
by Master Franchisee or by any delay, waiver, forbearance, or other similar act
or omission of Franchisor in the enforcement of Franchisor's rights and remedies
under the Franchise Agreement, or by any compromise or settlement of any claim
or obligation or any amount due or owing, or claimed to be due or owing, under
the Franchise Agreement. The provisions of this guaranty will extend and be
applicable to all renewals, amendments, extensions, and modifications of the
Franchise Agreement. Each Guarantor waives notice of acceptance of this
guaranty, demand, notice of dishonor, notice of any and all proceedings to
collect amounts due, and diligence in collecting any amounts due under the
Franchise Agreement. Each Guarantor waives any defense arising by reason of any
disability of Master Franchisee by reason of the cessation from any cause
whatsoever of the liability of Master Franchisee or by reason of Franchisor's
election of any remedy against Mater Franchisee or any Guarantor. The insolvency
or bankruptcy filing of Master Franchisee shall not in any manner affect the
continuing obligations of each Guarantor hereunder. The obligations of
Guarantors hereunder are joint and several.

Name:                                       Name:
     ----------------------------------          -------------------------------
Ownership Percentage:                       Ownership Percentage:
                     ------------------                          ---------------

Name:                                       Name:
     ----------------------------------          -------------------------------
Ownership Percentage:                       Ownership Percentage:
                     ------------------                          ---------------

                                       105

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00055-of-00352.parquet"}]]