Document:

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                                                                     Exhibit 4.3

                         REGISTRATION RIGHTS AGREEMENT

        THIS REGISTRATION RIGHTS AGREEMENT (the "Agreement") is made as of
________, 2001, by and between Optika Investment Company, Inc., a Nevada
corporation (the "Company"), and the Persons (as defined below) set forth on
SCHEDULE 1 hereto (each an "Investor" and collectively, the "Investors").

        The parties to this Agreement are parties to a Series A Convertible
Preferred Stock Subscription Agreement of even date herewith (the "Purchase
Agreement"). In order to induce the Investors to enter into the Purchase
Agreement, the Company has agreed to provide the registration rights set forth
in this Agreement.

        The parties hereto agree as follows:

        1. PIGGYBACK REGISTRATIONS.

               (a) RIGHT TO PIGGYBACK. Whenever the Company proposes to register
        any of its securities under the Securities Act (except for registration
        relating to employee benefit plans and corporate reorganizations) and
        the registration form to be used may be used for the registration of
        Registrable Securities (a "Piggyback Registration"), the Company will
        give prompt written notice to all holders of Registrable Securities of
        its intention to effect such a registration and will include in such
        registration up to one-third of each Investor's Registrable Securities
        with respect to which the Company has received written requests for
        inclusion therein (subject to any "Underwriters Cutback") within 15 days
        after the receipt of the Company's notice. For purposes of this
        Agreement, "Registrable Securities" shall have the meaning set forth in
        Section 5.

               (b) PIGGYBACK EXPENSES. The Registration Expenses of the holders
        of Registrable Securities will be paid by the Company in all Piggyback
        Registrations.

               (c) PRIORITY ON PRIMARY REGISTRATIONS. If a Piggyback
        Registration is an underwritten primary registration on behalf of the
        Company, and the managing underwriters advise the Company in writing
        that in their opinion the number of securities requested to be included
        in such registration exceeds the number which can be sold in such
        offering without adversely affecting the marketability of the offering
        (an "Underwriters' Cutback"), the Company will include in such
        registration (i) first, the securities the Company proposes to sell,
        (ii) second, the Registrable Securities requested to be included in such
        registration, pro rata among the holders of such Registrable Securities
        on the basis of the number of shares owned by each such holder, and
        (iii) third, other securities requested to be included in such
        registration; provided, however that no Underwriters' Cutback shall
        reduce the amount of Registrable Securities requested to be included in
        such registration to less than 20% of the aggregate number of shares to
        be included in such registration (except for a registration relating to
        the Company's first underwritten public offering which follows after the
        date of this Agreement, from which all Registrable Securities may be
        excluded).

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               (d) PRIORITY ON SECONDARY REGISTRATIONS. If a Piggyback
        Registration is an underwritten secondary registration (which occurs
        after the first initial underwritten registration after the date of this
        Agreement) on behalf of holders of the Company's securities, and the
        managing underwriters advise the Company in writing that in their
        opinion the number of securities requested to be included in such
        registration exceeds the number which can be sold in such offering
        without adversely affecting the marketability of the offering, the
        Company will include in such registration (i) first, the securities
        requested to be included therein bu the holders requesting such
        registration, (ii) second, the Registrable Securities requested to be
        included in such registration, pro rata among the holders of such
        Registrable Securities on the basis of the number of shares owned by
        each such holder, and (iii) third, other securities registered to be
        included in such registration; provided, however, that no Underwriters'
        Cutback shall reduce the amount of Registrable Securities requested to
        be included in such registration to less than 20% of the aggregate
        number of shares to be included in such registration.

               (e) OTHER REGISTRATIONS. If the Company has previously filed a
        registration statement with respect to Registrable Securities pursuant
        to this paragraph 1, and if such previous registration has not been
        withdrawn or abandoned, the Company will not file or cause to be
        effected any other registration of any of its equity securities or
        securities convertible or exchangeable into or exercisable for its
        equity securities under the Securities Act (except on Form S-8 or any
        successor form), whether on its own behalf or at the request of any
        holder or holders of such securities, until a period of at least 12
        months has elapsed from the effective date of such previous
        registration.

        2. REGISTRATION PROCEDURES. Whenever the holders of Registrable
Securities have requested that any Registrable Securities be registered pursuant
to this Agreement, the Company will use its best efforts to effect the
registration and the sale of such Registrable Securities in accordance with the
intended method of disposition thereof held by a holder of Registrable
Securities requesting registration as to which the Company has received
reasonable assurances that only Registrable Securities will be distributed to
the public, and pursuant thereto the Company will as expeditiously as possible:

               (a) prepare and file with the Securities and Exchange Commission
        a registration statement with respect to such Registrable Securities and
        use its best efforts to cause such registration statement to become
        effective (provided that before filing a registration statement or
        prospectus or any amendments or supplements thereto, the Company will
        furnish to the counsel selected by the holders of a majority of the
        Registrable Securities covered by such registration statement copies of
        all such documents proposed to be filed;

               (b) prepare and file with the Securities and Exchange Commission
        such amendments and supplements to such registration statement and the
        prospectus used in connection therewith as may be necessary to keep such
        registration statement effective for a period of not less than three
        months and comply with the provisions of the Securities Act with respect
        to the disposition of all

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        securities covered by such registration statement during such period in
        accordance with the intended methods of disposition by the sellers
        thereof set forth in such registration statement;

               (c) furnish to each seller of Registrable Securities such number
        of copies of such registration statement, each amendment and supplement
        thereto, the prospectus included in such registration statement
        (including each preliminary prospectus) and such other documents as such
        seller may reasonably request in order to facilitate the disposition of
        the Registrable Securities owned by such seller;

               (d) use its best efforts to register or qualify such Registrable
        Securities under such other securities or blue sky laws of such
        jurisdictions as any seller reasonably requests and do any and all other
        acts and things which may be reasonably necessary or advisable to enable
        such seller to consummate the disposition in such jurisdictions of the
        Registrable Securities owned by such seller (provided that the Company
        will not be required to (i) qualify generally to do business in any
        jurisdiction where it would not otherwise be required to qualify but for
        this subparagraph, (ii) subject itself to taxation in any such
        jurisdiction or (iii) consent to general service of process in any such
        jurisdiction);

               (e) notify each seller of such Registrable Securities, at any
        time when a prospectus relating thereto is required to be delivered
        under the Securities Act, of the happening of any event as a result of
        which the prospectus included in such registration statement contains an
        untrue statement of a material fact or omits any fact necessary to make
        the statements therein not misleading, and, at the request of any such
        seller, the Company will prepare a supplement or amendment to such
        prospectus so that, as thereafter delivered to the purchasers of such
        Registrable Securities, such prospectus will not contain an untrue
        statement of a material fact or omit to state any fact necessary to make
        the statements therein not misleading;

               (f) cause all such Registrable Securities to be listed on each
        securities exchange on which similar securities issued by the Company
        are then listed and, if not so listed, to be listed oil the NASD
        automated quotation system;

               (g) provide a transfer agent and registrar for all such
        Registrable Securities not later than the effective date of such
        registration statement;

               (h) enter into such customary agreements (including underwriting
        agreements in customary form) and take all such other actions as the
        holders of a majority of the Registrable Securities being sold or the
        underwriters, if any reasonably request in order to expedite or
        facilitate the disposition of such Registrable Securities (including,
        without limitation, effecting a stock split or a combination of shares);

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               (i) make available for inspection by any seller of Registrable
        Securities, any underwriter participating in any disposition pursuant to
        such registration statement and any attorney, accountant or other agent
        retained by any such seller or underwriter, all financial and other
        records, pertinent corporate documents and properties of the Company,
        and cause the Company's officers, directors, employees and independent
        accountants to supply all information reasonably requested by any such
        seller, underwriter, attorney, accountant or agent in connection with
        such registration statement; and

               (j) otherwise use its best efforts to comply with all applicable
        rules and regulations of the Securities and Exchange Commission, and
        make available to its security holders, as soon as reasonably
        practicable, an earnings statement covering the period of at least
        twelve months beginning with the first day of the Company's first full
        calendar quarter after the effective date of the registration statement,
        which earnings statement shall satisfy the provisions of Section II(a)
        of the Securities Act and Rule 158 thereunder.

        3. REGISTRATION EXPENSES.

               (a) All expenses incident to the Company's performance of or
        compliance with this Agreement, including without limitation all
        registration and filing fees, fees and expenses of compliance with
        securities or blue sky laws, printing expenses, messenger and delivery
        expenses, and fees and disbursements of counsel for the Company and all
        independent certified public accountants, underwriters (excluding
        discounts and commissions) and other Persons retained by the Company
        (all such expenses being herein called "Registration Expenses"), will be
        borne as provided in this Agreement, except that the Company will, in
        any event, pay its internal expenses (including, without limitation, all
        salaries and expenses of its officers and employees performing legal or
        accounting duties), the expense of any annual audit or quarterly review,
        the expense of any liability insurance and the expenses and fees for
        listing the securities to be registered on each securities exchange on
        which similar securities issued by the Company are then listed or on the
        NASD automated quotation system.

               (b) In connection with each Piggyback Registration, the Company
        will reimburse the holders of Registrable Securities covered by such
        registration for the reasonable fees and disbursements of one counsel
        chosen by the holders of a majority of the Registrable Securities
        initially requesting such registration, up to an aggregate amount of
        $15,000.

               (c) To the extent Registration Expenses are not required to be
        paid by the Company, each holder of securities included in any
        registration hereunder will pay those Registration Expenses allocable to
        the registration of such holder's securities so included, and any
        Registration Expenses not so allocable will be borne by all sellers of
        securities included in such registration in proportion to the aggregate
        selling price of the securities to be so registered.

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        4. INDEMNIFICATION.

               (a) The Company agrees to Indemnify. to the extent permitted by
        law, each holder of Registrable Securities, its officers and directors
        and each Person who controls such holder (within the meaning of the
        Securities Act) against all losses, claims, damages, liabilities and
        expenses caused by any untrue or alleged untrue statement of material
        fact contained in any registration statement, prospectus or preliminary
        prospectus or any amendment thereof or supplement thereto or any
        omission or alleged omission of a material fact required to be stated
        therein or necessary to make the statements therein not misleading,
        except insofar as the same are caused by or contained in any information
        furnished in writing to the Company by such holder expressly for use
        therein or by such holder's failure to deliver a copy of the
        registration statement or prospectus or any amendments or supplements
        thereto after the Company has furnished such holder with a sufficient
        number of copies of the same. In connection with an underwritten
        offering, the Company will indemnify, such underwriters, their officers
        and directors and each Person who controls such underwriters (within the
        meaning of the Securities Act) to the same extent is provided above with
        respect to the indemnification of the holders of Registrable Securities.

               (b) In connection with any registration statement in which a
        holder of Registrable Securities is participating, each such holder will
        furnish to the Company in writing such information and affidavits as the
        Company reasonably requests for use in connection with any such
        registration statement or prospectus and, to the extent permitted by
        law, will indemnify the Company, its directors and officers and each
        Person who controls the Company (within the meaning of the Securities
        Act) against any losses, claims, damages, liabilities and expenses
        resulting from any untrue or alleged untrue statement of material fact
        contained in the registration statement, prospectus or preliminary
        prospectus or any amendment thereof or supplement thereto or any
        omission or alleged omission of a material fact required to be stated
        therein or necessary to make the statements therein not misleading, but
        only to the extent that such untrue statement or omission is contained
        in any information or affidavit so furnished in writing by such holder;
        provided that the obligation to indemnify will be individual to each
        holder and mill be limited to the net amount of proceeds received by
        such holder from the sale of Registrable Securities pursuant to such
        registration statement.

               (c) Any Person entitled to indemnification hereunder will (i)
        give prompt written notice to the indemnifying party of any claim with
        respect to which it seeks indemnification and (ii) unless in such
        indemnified party's reasonable judgment a conflict of interest between
        such indemnified and indemnifying parties may exist with respect to such
        claim, permit such indemnifying party to assume the defense of such
        claim with counsel reasonably satisfactory to the indemnified party. If
        such defense is assumed, the indemnifying partv will not be subject to
        any liability for any settlement made by the indernnified party without
        its consent (but such consent, will not be unreasonably withheld). An
        indemnifying party who is not entitled to, or elects not to, assume the
        defense of a claim will not be obligated to pay the fees and expenses of
        more than one counsel for all parties

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        indemnified by such indemnifying party with respect to such claim,
        unless in the reasonable judgment of any indemnified party a conflict of
        interest may exist between such indemnified party and any other of such
        indemnified parties with respect to such claim.

               (d) The indemnification provided for under this Agreement will
        remain in full force and effect regardless of anv investigation made by
        or on behalf of the indemnified party or an officer, director or
        controlling Person of such indemnified party and will survive the
        transfer of securities. The Company also agrees to make such provisions,
        as are reasonably requested by any indemnified party for contribution to
        such party in the event the Company's indemnification is unavailable for
        any reason.

        5. PARTICIPATION UNDERWRITTEN REGISTRATIONS. No Person may participate
in any registration hereunder which is underwritten unless such Person (a)
agrees to sell such Person's securities on the basis provided in any
underwriting arrangements approved by the Person or Persons entitled hereunder
to approve such arrangements and (b) completes and executes all questionnaires,
powers of attorney, indemnities, underwriting agreements and other documents
required under the terms of such underwriting arrangements.

        6. DEFINITIONS.

        "Person" means and includes any individual, corporation, a joint
venture, partnership, association, limited liability company, trust, estate, or
other entity.

        "Registrable Securities" means (i) any Common Stock issued upon the
conversion of any of the Company's Series A Convertible Preferred Stock, par
value $0.001 per share, issued pursuant to the Purchase Agreement, (ii) any
other Common Stock issued or issuable with respect to the securities referred to
in clause (i) and by way of a stock dividend or stock split or in connection
with a combination of shares, recapitalization, merger, consolidation or other
reorganization. As to any particular Registrable Securities, such securities
will cease to be Registrable Securities when they have been distributed to the
public pursuant to an offering registered under the Securities Act or sold to
the public through a broker, dealer or market maker in compliance with Rule 144
under the Securities Act (or any similar rule then in force). For purposes of
this Agreement, a Person will be deemed to be a holder of Registrable Securities
whenever such Person has the right to acquire directly or indirectly such
Registrable Securities (upon conversion or exercise in connection with a
transfer of securities or otherwise, but disregarding any restrictions or
limitations upon the exercise of such right), whether or not such acquisition
has actually been effected.

        Unless otherwise stated, other capitalized terms contained herein have
the meanings set forth in the Purchase Agreement.

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        7. MISCELLANEOUS.

               (a) NO INCONSISTENT AGREEMENTS. The Company will not hereafter
        enter into any agreement with respect to its securities which is
        inconsistent with or violates the rights granted to the holders of
        Registrable Securities in this Agreement.

               (b) ADJUSTMENTS AFFECTING REGISTRABLE SECURITIES. The Company
        will not take any action, or permit any change to occur, with respect to
        its securities which would materially and adversely affect the ability
        of the holders of Registrable Securities to include such Registrable
        Securities in a registration undertaken pursuant to this Agreement or
        which would materially and adversely affect the marketability of such
        Registrable Securities in any such registration (including, without
        limitation, effecting a stock split or a combination of shares).

               (c) REMEDIES. Any Person having rights under any provision of
        this Agreement will be entitled to enforce such rights specifically to
        recover damages caused by reason of any breach of any provision of this
        Agreement and to exercise all other rights granted by law. The parties
        hereto agree and acknowledge that money damages may not be an adequate
        remedy for any breach of the provisions of this Agreement and that any
        party may in its sole discretion apply to any court of law or equity of
        competent jurisdiction (without posting any bond or other security) for
        specific performance and for other injunctive relief in order to enforce
        or prevent violation of the provisions of this Agreement.

               (d) AMENDMENTS AND WAIVERS. Except as otherwise provided herein,
        the provisions of this Agreement may be amended or waived only upon the
        prior written consent of the Company and holders of at least a majority
        of the Registrable Securities.

               (e) SUCCESSORS AND ASSIGNS. All covenants and agreements in this
        Agreement by or on behalf of any of the parties hereto will bind and
        inure to the benefit of the respective successors and permitted assigns
        of the parties hereto whether so expressed or not. The provisions of
        this Agreement which are for the benefit of the Investors as holders of
        Registrable Securities are also for the benefit of, and enforceable by,
        any subsequent holder of at least 50,000 shares of Registrable
        Securities.

               (f) SEVERABILITY. Whenever possible, each provision of this
        Agreement will be interpreted in such manner as to be effective and
        valid under applicable law, but if any provision of this Agreement is
        held to be prohibited by or invalid under applicable law, such provision
        will be ineffective only to the extent of such prohibition or
        invalidity, without invalidating the remainder of this Agreement.

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               (g) COUNTERPARTS. This Agreement may be executed simultaneously
        in two or more counterparts, any one of which need not contain &
        signatures of more than one party, but all such counterparts taken
        together will constitute one and the same Agreement.

               (h) DESCRIPTIVE HEADINGS. The descriptive headings of this
        Agreement are inserted for convenience only and do not constitute a part
        of this Agreement.

               (i) GOVERNING LAW. The corporate law of Nevada will govern all
        issues concerning the relative rights of the Company and its
        stockholders. All other questions concerning the construction, validity
        and interpretation of this Agreement and the exhibits and schedules
        hereto shall be governed by the internal law, and not the law of
        conflicts, of Nevada.

               (j) NOTICES. All notices, demands or other communications to be
        given or delivered under or by reason of the provisions of this
        Agreement shall be in writing and shall be deemed to have been given
        when delivered personally to the recipient, sent to the recipient by
        reputable express courier service (charges prepaid) or mailed to the
        recipient by certified or registered mail, return receipt requested and
        postage prepaid. Such notices, demands and other communications will be
        sent to each Investor at the address indicated on the Schedule of
        Investors to the Company and address indicated below:

                         Optika Investment Company, Inc.
                      8450 East Crescent Parkway, Suite 100
                        Greenwood Village, CO 80111-2818
                               Attn: John R. Evans

        or such other address or to the attention of such other person as the
        recipient party has specified by prior written notice to the sending
        party.

                                    * * * * *

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

                                          OPTIKA INVESTMENT COMPANY, INC.

                                          By:
                                             ---------------------------------
                                          Name:
                                               -------------------------------
                                          Its:
                                              --------------------------------

                                          INVESTORS:

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

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

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

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

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

                                       9<Page>

                                                                   Exhibit 10.1

                           MAROON BELLS CAPITAL, L.L.C.
                           450 SANSOME STREET, SUITE 1550
                           SAN FRANCISCO, CALIFORNIA 94111
                           TEL (415) 393-0724 FAX (415) 393-0721

January 29, 2001

Optika Investment Company, Inc.
c/o Nathan Drage Law Firm
6975 South Union Park Center, Suite 600
Midvale, UT 84047
Attention: Robert Wallace

Gentlemen:

When executed by the undersigned where indicated below, this letter will form an
Advisory Agreement (the "Agreement") for the 24-month period commencing February
2, 2001 between Maroon Bells Capital, L.L.C. a Delaware limited liability
company ("MBC") and Optika Investment Company, Inc. ("Optika") whereby MBC will
provide certain advisory services to Optika on a non-exclusive basis, including
general corporate advisory and business development services.

MBC will devote a portion of its professional resources to Optika during the
course of this agreement; Optika acknowledges that it is engaging MBC on a best
efforts basis.

A. ADVISORY SERVICES TO BE PERFORMED FOR OPTIKA BY MBC.

1. GENERAL CORPORATE ADVISORY SERVICES. MBC will provide as needed, Optika with
advice in connection with (i) acquisition of an initial operating business,
including analysis of its business plan and strategy, due diligence, structuring
and negotiation, and financial strategic alternatives, (ii) review and analysis
of business plans, corporate materials, and investor relations materials for
distribution to prospective investors, (iii) the acquisition, development and
retention of human resources, and the development and implementation of an
effective and flexible organizational design, and development and implementation
of effective and compliant Human Resource policies, practices and associated
employee handbooks; (iv) recruitment for Board and/or other senior positions as
requested, and (v) Merger and acquisition identification, analysis and
structuring. MBC will also assist Optika on an on-going, non-exclusive basis in
identifying placement agents, underwriters, lenders and other sources of
financing during the term of this Agreement, as needed.

COMPENSATION: As consideration to MBC for the commencement of services
hereunder, Optika agrees to (i) pay to MBC the sum of $20,000 per month,
commencing upon the signing by both parties of this advisory agreement; provided
that Optika may, at its option, pay MBC $15,000 per month and accrue $5,000 per
month for the earlier of 6 months or until the Company has raised an aggregate
of $5 million in equity; and (ii) issue MBC warrants to purchase 500,000 shares
of common stock of Optika at an initial price of $1.5 0 per share, with an
exercise term of ten (10) years. The warrants will contain customary
anti-dilution and other protections. The warrants will vest and become
exercisable upon closing of an acquisition or merger with another company or

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Optika Investment Company, Inc.
January 29, 2001
Page 2

companies, which has annual revenues of $ 1,000,000, or has an aggregate
acquisition value of at least $10,000,000.

2. FINANCIAL ADVISORY SERVICES: MBC may identify and contact, on anon-exclusive
basis, certain venture capital, underwriters and investment banking companies
and other strategic investors that may provide Optika with financing or that may
agree to assist Optika in equity or debt offerings. MBC will regularly inform
Optika regarding the status of these MBC financing contacts.

COMPENSATION: Optika agrees to pay to MBC at Closing in cash a Financing Success
Fee, equal to (a) 10% of gross proceeds from equity financings and/or (b) 1.5%
of gross proceeds of debt financings completed by one or more of the
underwriters or placement agents introduced to Optika by MBC. In addition,
Optika agrees to pay to MBC or its assignees any compensation due to MBC for its
assistance in identifying prospective investors in Optika, pursuant to the
placement terms and conditions of Optika Offering Memorandums.

3.  MERGER AND ACQUISITION SERVICES. MBC will assist Optika in identifying
potential merger and/or acquisition candidates. MBC will assist in contacting
pre-approved target companies and in structuring such transactions.

COMPENSATION: Optika agrees to pay to MBC at Closing in cash (or other like-kind
compensation acceptable to MBC) an M&A Success Fee according to a Lehman Formula
based on the value of the transaction as follows: 5% of the first $1 million in
value, 4% of the second $1 million in value, 3% of the third $1 million in
value, 2% of the fourth $1 million in value and 1% of all value thereafter. In
the event that Optika closes an M&A transaction resulting from a contact of MBC
with a value of $5 million or greater, MBC will receive at closing a performance
bonus of $100,000 (one hundred thousand dollars) payable in cash or like kind
compensation, at the discretion of MBC.

4.  GENERAL BUSINESS DEVELOPMENT SERVICES.  MBC will assist Optika, on a best
efforts basis, in the identification of new U.S. and international business
development opportunities including but not limited to (i) new marketing and
distribution channels, (ii) new strategic marketing, comarketing, OEM or private
label agreements, or (iii) new technology, hardware or software partners or
equipment.

COMPENSATION: MBC and Optika agree to negotiate in good faith, in advance, a
compensation schedule for Business Development Services provided by MBC on a
case-by-case basis. In general Maroon Bells will expect a fee of approximately
2.5% of the revenues for a period of one year, which compensation shall survive
termination of this Advisory Agreement.

5.  RECRUITMENT SERVICES: MBC will provide Optika search and/or recruitment
services for assistance in filling its CEO position, for any position reporting
to the CEO or COO or for Board of Directors positions.

COMPENSATION: MBC will be compensated at the rate of 15% of the first full year
total targeted cash compensation for a full time position and $25,000 for Board
of Director positions.

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Optika Investment Company, Inc.
January 29, 2001
Page 3

6. EQUIPMENT LEASING, LINES OF CREDIT, EQUIPMENT FINANCING AND OTHER DEBT OR
CREDIT FACILITIES. MBC may from time to time assist Optika in securing equipment
leases or other equipment financing structures.

COMPENSATION: MBC and Optika agree to negotiate in good faith, in advance, a
compensation schedule for Equipment Financing Services provided by MBC on a
case-by-case basis, with an understanding that such compensation will be a
minimum of 1.5 percent of total lease/credit facilities utilized by Optika,
including any debt or convertible debt financing arranged for or provided by
MBC.

B. EXPENSES

Optika agrees to reimburse MBC upon request for reasonable out-of-pocket travel
expenses related to MBC's performance of the services described in this
Agreement (i.e. travel and lodging for MBC professionals to destinations where
Optika has requested or approved the presence of MBC professionals). Optika
further agrees to reimburse MBC for expenses incurred on behalf of Optika prior
to January 29, 2000 in an amount not to exceed $25,000.

C. TERM OF AGREEMENT

The term of this Agreement shall commence on February 2, 2001 and shall be in
effect for 24 months, automatically renewable for an additional 12 months unless
terminated in writing by Optika. MBC's compensation shall survive termination of
this Agreement for a period of twelve (12) months from the termination date if
Optika enters into a transaction described in paragraphs 2, 3, 4, 5 or 6 during
such time.

D. INDEMNIFICATION

MBC and Optika agree to indemnify and hold each other harmless against claims
resulting from actions or omissions in connection with this engagement or
arising out of willful misstatement of material facts by the other party or its
affiliates or representatives.

E. GOVERNING LAW

This Agreement shall be governed by the laws of the State of California.

F. SIGNATURES

By their authorized signatures below, MBC and Optika do agree to be bound by the
terms of this Agreement. This Agreement may be signed in counterparts, including
fax signatures. Changes in the terms and conditions of this Agreement may be
enacted only with mutual written consent.

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Optika Investment Company, Inc.
January 29, 2001
Page 4

G.  ACCEPTANCE OR REJECTION BY OPTIKA

Optika shall have the exclusive right, in its sole discretion, to accept or
reject any business opportunity, credit facility, investment or advise
presented, discovered or procured by MBC pursuant to this agreement. In the
event of a rejection by Optika, for any reason, MBC shall not be entitled to any
of the compensation that would have been payable hereunder if the transaction
had been consummated. MBC is, furthermore, not authorized to enter into any
agreements with any person or entity on behalf of Optika.

H.  CONFIDENTIALITY

In the course of rendering the services provided for in this Agreement, MBC will
learn and may develop information which is considered by Optika to be
confidential. MBC agrees not to use or disclose such confidential information,
except for the purpose of performing its duties hereunder, without the express
written consent of Optika.

ACCEPTED FOR OPTIKA INVESTMENT COMPANY, INC.

/s/ Robert Wallace
----------------------------------------
Robert Wallace, President

ACCEPTED FOR MAROON BELLS CAPITAL L.L.C.

/s/ William C. Gibbs
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William C. Gibbs, Managing Director

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