Document:

EXHIBIT 10.3

                               TECHNISOURCE, INC.
                        INCENTIVE STOCK OPTION AGREEMENT

This Incentive Stock Option Agreement (the "Agreement"), effective as of January
3, 2000 (the "Date of Grant"), is made by and between Technisource, Inc., a
Florida corporation (the "Company"), and Thomas Hoshko (the "Participant").

                                   BACKGROUND

The Company has established the Technisource, Inc. Long-Term Incentive Plan (the
"Plan"). The Company wishes to grant to the Participant an Incentive Stock
Option pursuant to the terms of the Plan.

Therefore, in consideration of the mutual covenants contained in this Agreement
and other good and valuable consideration, the Company and the Participant agree
as follows:

1.       GRANT OF OPTION. In consideration of service to the Company and for
         other good and valuable consideration, the Company grants to the
         Participant an Incentive Stock Option (the "Option") to purchase 51,060
         shares of the Company's common stock. The Company grants the Option in
         accordance with the terms and conditions of the Plan and this
         Agreement. The Company and the Recipient intend the Option to be an
         "incentive stock option" as such term is defined under Section 422 of
         the Internal Revenue Code of 1986, as amended.

2.       OPTION PRICE. The purchase price of the shares of stock covered by the
         Option shall be $5.875.

3.       ADJUSTMENTS IN OPTION. If the outstanding shares of stock subject to
         the Option are changed into or exchanged for a different number or kind
         of shares of the Company or other securities of the Company by reason
         of merger, consolidation, recapitalization, reclassification, stock
         split, stock dividend or combination of shares, the shares subject to
         the Option and the price per share shall be equitably adjusted to
         reflect such changes. Such adjustment in the Option shall be made
         without change in the total price applicable to the unexercised portion
         of the Option (except for any change in the aggregate price resulting
         from rounding-off of share quantities or prices) and with any necessary
         corresponding adjustment in the Option price per share. Any such
         adjustment made by the Committee shall be final and binding upon the
         Participant, the Company and all other interested persons.

4.       PERSON ELIGIBLE TO EXERCISE OPTION. During the lifetime of the
         Participant, only the Participant may exercise the Option or any
         portion of the Option. After the death of the Participant, any
         exercisable portion of the Option may, prior to the time when the
         Option becomes unexercisable under the terms of the Plan, be exercised
         by the Participant's personal representative or by any other person
         empowered to do so under the Participant's will, trust or under then
         applicable laws of descent and distribution.

<PAGE>

5.       MANNER OF EXERCISE. The Option, or any portion of the Option, shall be
         exercised only in accordance with the provisions of the Plan and this
         Agreement. The person exercising the Option shall give to the Company a
         written notice that shall: (i) state the number of Shares with respect
         to which the Option is being exercised; and (ii) specify a date (other
         than a Saturday, Sunday or legal holiday) not less than five nor more
         than ten days after the date of such written notice, as the date on
         which the Shares will be purchased. Such tender and conveyance shall
         take place at the principal office of the Company during ordinary
         business hours, or at such other hour and place agreed upon by the
         Company and the person or persons exercising the Option. On the date
         specified in such written notice, the Company shall accept payment for
         the Option Shares in cash, by bank or certified check, by wire
         transfer, or by such other means as may be approved by the Committee
         and shall deliver to the person or persons exercising the Option in
         exchange therefor an appropriate certificate or certificates for fully
         paid nonassessable Shares or undertake to deliver certificates within a
         reasonable period of time. In the event of any failure to take up and
         pay for the number of Shares specified in such written notice on the
         date set forth therein (or on the extended date as above provided), the
         right to exercise the Option shall terminate with respect to such
         number of Shares, but shall continue with respect to the remaining
         Shares covered by the Option and not yet acquired pursuant thereto.

         The person who exercises the Option shall warrant to the Company that,
         at the time of such exercise, such person is acquiring his or her
         Option Shares for investment and not with a view to, or for or in
         connection with, the distribution of any such Shares, and shall make
         such other representations, warranties, acknowledgments, and
         affirmations, if any, as the Committee may require. In such event, the
         person acquiring such Shares shall be bound by the provisions of an
         appropriate legend which shall be endorsed upon the certificate(s)
         evidencing his or her Option Shares issued pursuant to such exercise.
         The Company may delay issuance of the Shares until completion of any
         action or obtaining any consent that the Company deem necessary under
         any applicable law (including without limitation state securities or
         "blue sky" laws).

6.       CONDITIONS TO ISSUANCE OF STOCK CERTIFICATES. The shares of stock
         deliverable upon the exercise of the Option, or any portion thereof,
         may be either previously authorized but unissued shares or issued
         shares which have been reacquired by the Company. Such shares shall be
         fully paid and nonassessable.

7.       RIGHTS OF SHAREHOLDERS. The Participant shall not be, nor have any of
         the rights or privileges of, a shareholder of the Company in respect of
         any shares purchasable upon the exercise of any part of the Option
         unless and until certificates representing such shares shall have been
         issued by the Company to the Participant.

8.       VESTING AND EXERCISABILITY. A Participant's interest in the Option
         shall vest according to the provisions of this Section 8 and shall be
         exercisable as to not more than the vested percentage of the shares
         subject to the Option at any point in time. To the extent the Option is
         either unexercisable or unexercised, the unexercised portion shall
         accumulate until the Option both becomes exercisable and is exercised,
         subject to the provisions of Section 9 of the Agreement.

<PAGE>

The Option shall become vested as follows:

      ANNIVERSARY OF DATE OF GRANT              VESTED PERCENTAGE OF OPTION
      ----------------------------              ---------------------------
                 First                                     33.33%
                 Second                                    66.66%
                 Third                                      100%

The Committee, in its sole and absolute discretion, may accelerate the vesting
of the Option at any time.

9.       DURATION OF OPTION. Except as specified below, the Option shall expire
         on January 3, 2010. Notwithstanding the foregoing, the Option may
         expire prior to January 3, 2010 in the following circumstances:

         a.       In the case of the Participant's death, the Option shall
                  expire on the one-year anniversary of the Participant's death.

         b.       If the Participant's employment or affiliation with the
                  Company terminates as a result of his total and permanent
                  disability, the Option will expire on the one-year anniversary
                  of the Participant's last day of employment.

         c.       If the Participant ceases employment or affiliation with the
                  Company for any reason other than death or disability, the
                  Option shall expire 90 days following the last day that the
                  Participant is employed by the Company.

         d.       Notwithstanding any provisions set forth above in this Section
                  9, if the Participant shall (i) commit any act of malfeasance
                  or wrongdoing affecting the Company or its affiliates, (ii)
                  breach any covenant not to compete or employment agreement
                  with the Company or any affiliate, or (iii) engage in conduct
                  that would warrant the Participant's discharge for cause, any
                  unexercised part of the Option shall expire immediately upon
                  the earlier of the occurrence of such event or the last day
                  the Participant is employed by the Company.

10.      ADMINISTRATION. The Committee shall have the power to interpret this
         Agreement and to adopt such rules for the administration,
         interpretation and application of the Agreement as are consistent
         herewith and to interpret or revoke any such rules. All actions taken
         and all interpretations and determinations made by the Committee in
         good faith shall be final and binding upon the Participant, the Company
         and all other interested persons. No member of the Committee shall be
         personally liable for any action, determination or interpretation made
         in good faith with respect to this Agreement or any similar agreement
         to which the Company is a party.

11.      TRANSFER OF OPTION. Unless otherwise permitted by applicable laws and
         approved in advance by the Committee, the Option shall not be
         transferable by the Participant and shall be

<PAGE>

         exercisable, during the Participant's lifetime, only by such
         Participant or, in the event of the Participant's incapacity, his
         guardian or legal representative. Except as otherwise permitted herein,
         the Option shall not be assigned, pledged, or hypothecated in any way
         (whether by operation of law or otherwise) and shall not be subject to
         execution, attachment, or similar process and any attempted transfer,
         assignment, pledge, hypothecation or other disposition of the Option or
         of any rights granted thereunder contrary to the provisions of this
         Section 11, or the levy of any attachment or similar process upon an
         option or such rights, shall be null and void. This Section 11 shall
         not prevent transfers by will or by the applicable laws of descent and
         distribution.

12.      SHARES TO BE RESERVED. The Company shall at all times during the term
         of the Option reserve and keep available such number of shares of stock
         as will be sufficient to satisfy the requirements of this Agreement.

13.      NOTICES. Any notice to be given under the terms of this Agreement to
         the Company shall be addressed to the Company in care of its Secretary
         and any notice to be given to the Participant shall be addressed to him
         at the address given beneath his signature below. By a notice given
         pursuant to this Section 13, either party may hereafter designate a
         different address for notices to be given to him. Any notice which is
         required to be given to the Participant shall, if the Participant is
         then deceased, be given to the Participant's personal representative if
         such representative has previously informed the Company of his status
         and address by written notice under this Section 13. Any notice shall
         have been deemed duly given when enclosed in a properly sealed envelope
         addressed as aforesaid, deposited (with postage prepaid) in a United
         States postal receptacle.

14.      TITLES. Titles are provided herein for convenience only and are not to
         serve as a basis for interpretation or construction of this Agreement.

15.      INCORPORATION OF PLAN BY REFERENCE. The Option is granted in accordance
         with the terms and conditions of the Plan, the terms of which are
         incorporated herein by reference, and the Agreement shall in all
         respects be interpreted in accordance with the Plan. Any term used in
         the Agreement that is not otherwise defined in the Agreement shall have
         the meaning assigned to it by the Plan.

The Company and the Participant have executed this Agreement effective as of the
date first written above.

                                           TECHNISOURCE, INC.

                                           By:
                                              --------------------------------
                                              Thomas HoshkoEXHIBIT 10G

THIS NOTE EVIDENCES AN AMENDMENT AND RESTATEMENT OF THE NOTE AS DEFINED HEREIN
AND IS EXEMPT FROM DOCUMENTARY STAMPS PURSUANT TO FLORIDA ADMINISTRATIVE CODE
RULE 12B4.054(1) AND CONSOLIDATION OF FUTURE ADVANCE PROMISSORY NOTE OF EVEN
DATE HEREWITH IN THE ORIGINAL PRINCIPAL SUM OF $411,220.03 ON WHICH FLORIDA
DOCUMENTARY STAMPS HAVE BEEN PAID.

               AMENDED, RESTATED AND CONSOLIDATED PROMISSORY NOTE

$1,800,000.00                                Miami, Florida, October 13th, 1999.

         FOR VALUE RECEIVED, the undersigned, MILLER INDUSTRIES, INC., a Florida
corporation, hereinafter referred to as "Borrower or Maker," promises to pay to
the order of CITY NATIONAL BANK OF FLORIDA, a national banking corporation,
hereinafter referred to as "Holder or Lender," 25 West Flagler Street, Miami,
Florida 33130, the sum of ONE MILLION EIGHT HUNDRED THOUSAND AND NO/100
($1,800,000.00) DOLLARS, with interest thereon from the date hereof as
hereinafter set forth and payable as follows:

         Interest shall be calculated at the annual rate of Seven And Three -
         Quarters (7.75%) Percent for the first twelve months from the date of
         execution of this Note.

         Commencing on the 13th day of October, 2000, interest shall be
         calculated at an annual rate which is equal to One-Half of One (0.5%)
         Percent under the Base Rate of City National Bank of Florida and
         referred to as the "Note Rate." The Base Rate is defined as the
         interest rate, as from time to time announced by Lender, at the
         discretion of Lender. The Base Rate is neither tied to any external
         rate of interest or index nor does it necessarily reflect the lowest
         rate of interest actually charged by Lender to any particular class or
         category of its customers. Interest as aforesaid shall be calculated on
         the basis of three hundred sixty (360) day year, thirty (30) day
         months. The rate of interest from time to time applicable to the unpaid
         balance of the principal shall be adjusted annually commencing twelve
         (12) months from the date of execution of this Note (the "Adjustment
         Date") so that the rate of interest for each 12-month period shall be
         the Note Rate in effect on the Adjustment Date. Interest rate changes
         may occur on the 13th day of October of each year during the term of
         this Note.

         Commencing November 13th, 1999, and on the 13th, day of each and every
         month thereafter, payments of principal and interest in

<PAGE>

         the sum of THIRTEEN THOUSAND FIVE HUNDRED NINETY FIVE AND 92/100
         ($13,595.92) DOLLARS shall be due and payable. Payments shall first be
         applied to interest and the balance to principal.

         Commencing November 13th, 2000, and on the 13th day of November of each
         and every year thereafter, the monthly payments may change and shall be
         based on the Note Rate of interest in effect on the Adjustment Date and
         in an amount sufficient to amortize the outstanding principal over a
         period of twenty-five (25) years minus the number of years the loan has
         been outstanding.

         The entire outstanding principal balance together, with all accrued
         interest shall be due and payable on October l3th, 2009.

         This Restated Promissory Note, hereinafter referred to as "the Restated
Note," is a restatement of and substitution and not in repayment of and not in
addition to that certain Consolidated Promissory Note dated June 13, 1997, in
the original face amount of ONE MILLION FOUR HUNDRED FORTY EIGHT THOUSAND FOUR
HUNDRED THREE AND 45/100 ($1,448,403.45) DOLLARS, which Note was executed by
Maker to NATIONSBANK, N. A. (SOUTH), f/k/a INTERCONTINENTAL BANK, now known as
BANK OF AMERICA, endorsed to CITY NATIONAL BANK OF FLORIDA on October 13th,
1999. Said Promissory Note is hereinafter referred to as "the Note." A copy of
said Note is attached hereto and made a part hereof. Documentary stamps and
Intangible Tax in the full amount due on the Note were affixed to the Mortgage
securing the Note, as amended and restated by Amended and Restated Mortgage
dated September 20, 1994, recorded in Official Records Book 16519, Page 1099,
and re-recorded in Official Records Book 16531, Page 875, as modified by Notice
of Future Advance recorded in Official Records Book 17908, Page 4881, all of the
Public Records of Miami-Dade County, Florida, which Mortgage has been assigned
to Lender and further modified by Receipt of Future Advance and Amended and
Restated Mortgage of even date herewith (the "Mortgage"). The Maker agrees that
nothing contained herein or in the Mortgage or other Loan Documents shall
extinguish or operate to extinguish the indebtedness evidenced by the Note, but
that the total principal indebtedness of ONE MILLION EIGHT HUNDRED THOUSAND AND
NO/100 ($1,800,000.00) DOLLARS shall be paid in accordance with the terms,
covenants and conditions of this Restated Note, and not in accordance with the
terms, covenants and conditions of the Note. Nothing herein is intended, nor
shall it be deemed to constitute a novation of the indebtedness evidenced by the
Note, it being acknowledged and agreed that this Restated Note is in
substitution for the Note.

         This Restated Note consolidates, amends, replaces and supersedes,
without enlargement of the aggregate existing principal balances thereunder (i)

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<PAGE>

that certain Consolidated Promissory Note (the "Original Notes) June 13, 1997,
executed by Maker and made payable to the order of NationsBank, N. A. (South),
f/k/a Intercontinental Bank, now known as Bank of America, In the original
principal amount of $1,448,403.45, which has an outstanding principal balance of
$1,388,779.97, and (ii) that certain Future Advance Promissory Note (the
"Additional Note") dated October 13th, 1999, executed by Maker and made payable
to the order of Bank in the original principal amount of $411,220.03. It is the
intention of the Maker and Bank that while this Restated Note consolidates,
amends, replaces and supersedes the Original Note and the Additional Note, it is
not in payment or satisfaction of the Original Note or the Additional Note, but
rather is the substitution of one evidence of debt for another without any
intent to extinguish the old. Should there be any conflict between any of the
terms of the Original Note, the terms of the Additional Note, and the terms of
this Restated Note, the terms of this Restated Note shall control. The Original
Note and the Additional Note are attached hereto and shall only be negotiated
with this Restated Note.

         Each maker and endorser severally waives demand, protest and notice of
maturity, non-payment or protest and all requirements necessary to hold each of
them liable as makers and endorsers and consents without notice to any and all
extensions of time or changes in terms of payment by the holder of this Note.

         Each maker, endorser and guarantor, jointly and severally agrees to pay
all costs of collection, including reasonable attorneys' fees, in the event it
becomes necessary to protect the security hereof, whether suit be brought or
not.

         The said principal sum or the unpaid balance thereof, with interest
thereon, shall become due and payable, at the option of the Holder, after
default in the payment of any installment of principal or interest for a period
of fifteen (15) days, after delivery of written notice, or upon the occurrence
of an Event of Default, as defined in the Mortgage, which remains after the
expiration of all applicable cure and grace periods. Should the Maker fail to
pay any installment of principal or interest hereunder and remain in default for
a period of fifteen (15) days, after delivery of written notice, the Maker shall
pay a late charge in the amount of Five (5%) Percent on the installment of
principal and interest so overdue.

         From and after the occurrence of an Event of Default, as such term is
defined herein, under this Note or the maturity thereof, whether normal maturity
or accelerated maturity, both the unpaid principal hereof and accrued interest
shall bear interest at the highest lawful rate.

                                       3
<PAGE>

         This Note is secured by an Amended and Restated Mortgage dated
September 20, 1994, recorded in Official Records Book 16519, Page 1099, and
re-recorded in Official Records Book 16531, Page 875, as modified by Notice of
Future Advance recorded in Official Records Book 17908, Page 4881, all of the
Public Records of Miami-Dade County, Florida, and as further modified by Receipt
of Future Advance and Amended and Restated Mortgage of even date herewith. Upon
the occurrence of an Event of Default and after the expiration of all applicable
cure and grace periods under the Mortgage, then, at the option of the Holder,
the entire principal sum remaining unpaid, together with accrued interest, shall
become immediately due and payable, without notice.

         This Note may be prepaid in full at any time without premium or
penalty.

         The term "Loan Documents" shall mean any and all of the documents
heretofore, now, or hereafter executed by Maker, by others or by Maker and
others which wholly or partly secure or were, are, or will be executed in
connection with the indebtedness evidenced by this Restated Note, including, but
not limited to, the Mortgage, Assignment of Rents, Leases and Licenses, UCC-1
Financing Statements, Security Agreement and associated affidavits, disclosures
and miscellaneous loan documentation.

         This Note is to be construed and enforced according to the laws of the
State of Florida.

         Borrower, and any endorsers, sureties, guarantors and all others who
are, or who may become liable for the payment hereof, severally, irrevocably,
and unconditionally (a) agree that any suit, action, or other legal proceeding
arising out of or relating to this Note may be brought, at the option of the
Lender, in a court of record of the State of Florida in Miami-Dade County, in
the United States District Court for the Southern District of Florida, or in any
other court of competent jurisdiction; (b) consent to the jurisdiction of each
such court in any such suit, action or proceeding; and (c) waive any objection
which it or they may have to the laying of venue of any such suit, action, or
proceeding in any such courts.

         Upon the happening of any of the following events, each of which shall
constitute a default hereunder ("Event of Default"), all sums due hereunder
shall thereupon or thereafter, at Bank's option, without notice or demand,
become immediately due and payable: (a) failure of any Obligor (which term shall
mean and include each Maker, Endorser, Surety, Guarantor or other party liable
for payment of or pledging collateral or security under this Note) to pay on or
before expiration of any applicable grace period, any sum due hereunder or due
by any Obligor to Bank under any other Promissory Note or under any security
instrument or written obligation of any kind now existing or hereafter created;
(b) occurrence of default under any of the Loan Documents

                                       4
<PAGE>

or any other loan agreement or security instrument now or hereafter in effect
which by its terms covers this Note or the indebtedness evidenced hereby; (c)
filing of any petition under the Bankruptcy Code or any similar federal or state
statute by or against any Obligor or the insolvency of any Obligor; (d) making
of a general assignment by any Obligor for the benefit of creditors, appointment
of or taking possession by a receiver, trustee or custodian or similar official
for any Obligor or for any assets of any such Obligor or institution by or
against any Obligor of any kind of insolvency proceedings or any proceeding for
dissolution or liquidation of any Obligor which is not dismissed within any
proceeding for dissolution or liquidation of any obliger which is not dismissed
within thirty (30) days of the filing thereof; (e) entry of a final judgment
against any Obligor which is not satisfied or transferred to bond within thirty
(30) days of the date of entry; (f) material falsity in any certificate,
statement, representation, warranty or audit at any time furnished to Bank by or
on behalf of any Obligor pursuant to or in connection with this Note, the Loan
Documents or any loan agreement or Security Agreements now or hereafter in
effect, which by its terms covers this Note for the indebtedness evidenced
hereby or otherwise including any omission to disclose any substantial
contingent or liquidated liabilities or any material adverse change in any facts
disclosed by any certificate, statement, representation, warranty or audit
furnished to Bank; (g) issuance of any writ or attachment or writ of
garnishment or filing of any lien against any Collateral or the property of any
Obligor which is not dismissed within thirty (30) days of the date of issuance
or filing, whichever is applicable; (h) taking f possession of any material
Collateral or of any substantial part of the property of any Obligor at the
instance of any governmental authority; (i) dissolution, merger, consolidation,
or reorganization of any Obligor; (i) assignment or sale by any Obligor of any
equity in any collateral security payment of this Note without the prior written
consent of Bank; or (k) cancellation of any guaranty with respect hereto without
the prior written consent of Bank hereof.

         Bank shall have all of the rights and remedies of a creditor, mortgagee
and secured party under all applicable law. Without limiting the generality of
the foregoing, upon the occurrence of any default hereunder, Bank may, at its
option, and without notice or demand (i) declare the entire unpaid principal and
accrued interest accelerated and due and payable at once, together with any and
all other liabilities of Maker or any of such liabilities selected by Bank; and
(ii) set-off against this Note all monies owed by Bank in any capacity to Maker,
whether or not due and also set off against all other liabilities of Maker to
Bank all monies owed by Bank in any capacity to Maker, and Bank shall be deemed
to have exercised such right of set-off, and to have made a charge against any
such money immediately upon the occurrence of such default, although made or
entered on the books subsequent thereto. To the extent that any of the
Collateral is personal property and Bank elects to proceed with respect to it in
accordance with the Uniform Commercial Code, then, unless

                                       5
<PAGE>

that collateral is perishable or threatens to decline speedily in value, or is
of a type customarily sold on a recognized market, Bank Drill give Maker
reasonable notice of the time and place of any public or private sale thereof.
The requirement of reasonable notice shall be met if such notice is, at the
option of Bank, hand delivered, sent via expedited courier, or mailed, postage
prepaid to Maker, at the address given to Bank by Maker, or any other address
shown on the records of Bank at least five (5) days before the time of sale.
Upon disposition of any Collateral after the occurrence of any default
hereunder, Maker shall be and shall remain liable for any deficiency; and Bank
shall account to Maker for any surplus, but Bank shall have the right to apply
all or part of such surplus (or to hold the same as reserve) against any and all
other liabilities of Maker to Bank.

         If the calculation of interest or the imposition of a change in the
rate of interest after acceleration upon default or the payment of any fees or
other charges which are construed to be interest under applicable law, rule, or
regulation in effect from time to time, result in an effective rate of interest
higher than that permitted to be paid under applicable law, rule, or regulation
in effect from time to time, then such charges shall be reduced by a sum
sufficient to result in an effective rate of interest no greater than the
maximum effective rate of interest permitted to be paid under applicable law,
rule or regulation in effect from time to time. The Lender may, in determining
the maximum rate permitted under applicable law, rule, or regulation in effect
from time to time, take advantage of (1) the rate of interest permitted by
Florida Statutes Chapter 665 (Florida Savings Association Act), by reason of
both Section 687.12 Florida Statutes ("interest rates; parity among licensed
lenders or creditors") and 12 United States Code, Sections 85 and 86, and (ii)
any other law, rule or regulation in effect from time to time, available to
Lender which exempts Lender from any limit upon the rate of interest it may
charge or grants to Lender the right to charge a higher rate of interest than
that permitted by Florida Statutes, Chapter 687. Upon maturity of this Note,
whether by acceleration or in due course, interest shall be recalculated over
the actual life of the loan based upon the amounts outstanding, and if the total
amount of Interest theretofore paid exceeds the amount permitted to be paid
under applicable law, rule, or regulation in effect from time to time, the
excess shall be credited to Principal, or if such excess exceeds the Principal
amount due hereunder, refunded to the Borrower.

         MAKER HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVES ANY AND
ALL RIGHT IT MAY HAVE TO A TRIAL BY JURY IN RESPECT TO ANY LITIGATION INCLUDING
BUT NOT LIMITED TO, ANY CLAIMS, CROSS CLAIMS OR THIRD PARTY CLAIMS ARISING OUT
OF, UNDER OR IN CONNECTION WITH THIS NOTE, THE OTHER LOAN DOCUMENTS OR THE
TRANSACTIONS CONTEMPLATED HEREIN. MAKER HEREBY CERTIFIES THAT NO REPRESENTATIVE
OR AGENT OF THE

                                       6
<PAGE>

PAYEE NOR THE PAYEE'S COUNSEL HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT
THE PAYEE WORLD NOT, IN THE EVENT OF SUCH LITIGATION, SEEK TO ENFORCE THIS
WAIVER OF RIGHT TO JURY TRIAL PROVISION. MAKER ACKNOWLEDGES THAT THE PAYEE HAS
BEEN INDUCED TO ENTER INTO THIS LOAN, INCLUDING THIS NOTE, BY, INTER ALIA, THE
PROVISIONS OF THIS PARAGRAPH.

                                              MILLER INDUSTRIES, INC., a Florida
                                              Corporation

                                              By: /s/ ANGELO NAPOLITANO
                                                 -------------------------------
                                                  Angelo Napolitano, President

                                       7

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