Document:

<PAGE>   1

                          [PLAZA TOWER ONE LETTERHEAD]

DECEMBER 21, 1999

Mr. Joe Starcevic
USA Global Link
50 North Third Street
FAIRFIELD, IA 52555

Dear Mr. Starcevic:

Your 2000 estimate of operating cost escalations for Plaza Tower One is enclosed
with this letter. The Plaza Tower One ownership and management team are
budgeting 2000 operating costs for Plaza Tower One to be $11.49 per rentable
square foot, based upon a total building area of 471,948 rentable square feet.
We are pleased to report to you that this is only a 1.3% increase over 1999
expenses.

Budgeted improvements to your work environment at Plaza Tower One during 2000
will include the following:

o    Energy savings projects to include a flat plate heat exchanger, and a
     supplemental boiler which are budgeted to occur in the first quarter of
     2000;

o    Three (3) multi-tenant corridor renovations;

o    All passenger elevators and the freight elevator will be equipped with
     "photo edge" openers;

o    New exercise equipment and lobby furniture; and

o    Garage light replacement

As always, we appreciate your business. If you have any questions, please do not
hesitate to contact me.

Sincerely,

CLARION REALTY SERVICES

/s/ LOUISE BOUCHARD
Louise Bouchard

cc: Jeff Peshut, Clarion Realty Services

Enclosure

<PAGE>   2

                          [PLAZA TOWER ONE LETTERHEAD]

DECEMBER 21, 1999

Mr. Joe Starcevic
USA Global Link, Inc.
50 North Third Street
Fairfield, Iowa 52555

RE:  Plaza Tower One
     2000 Estimated Operating Escalation

DECEMBER 21, 1999

Dear Mr. Starcevic:

In accordance with terms of your lease, we have estimated the 2000 operating
escalation for the above noted property and will begin billing monthly estimates
January 1, 2000. Your proportionate share was calculated accordingly.

<TABLE>
<S>                                          <C>
2000 Budgeted Operating Costs                $ 5,424,946.31
Less: Base Operating Costs - 1998              4,844,659.00
                                             --------------
Excess Base Year Expenses                        580,287.31
Tenant's Pro Rata Share %                            1.8316%
                                             --------------
Tenant's Annual Pro Rata Share of Excess     $    10,828.54
                                             ==============
2000 Monthly Estimate                        $       885.71
</TABLE>

Please note that Property Colorado OBJLW One Corporation will invoice you on a
monthly basis. All remittances should be made payable to Property Colorado OBJLW
One Corporation and mailed to our lockbox:

     Property Colorado OBJLW One Corporation
     P.O. Box 5037; Unit #78
     Portland, OR 97208

To insure correct application of your payment, please indicate on your check for
which month and item you are paying. If you have any questions, please do not
hesitate to contact me at (303)804-1707.

Sincerely,

CLARION REALTY SERVICES

/s/ LOUISE BOUCHARD
Louise Bouchard

<PAGE>   3

                          [PLAZA TOWER ONE LETTERHEAD]

December 21, 1998

Mr. Joe Starcevic                           Via US Mail
USA Global Link
50 North Third Street
Fairfield, IA 52555

RE:  1999 Estimated Operating Costs
     Plaza Tower One - Englewood, CO

Dear Mr. Starcevic:

Your 1999 estimate of operating cost escalations for Plaza Tower One is enclosed
with this letter. The Plaza Tower One ownership and management team are
budgeting 1999 operating costs for Plaza Tower One to be at $11.34 per rentable
square foot, based upon a total building area of 471,948 rentable square feet.

Although we continue to make every effort to keep operating costs at a minimum,
our goal of continuing to provide a Class A work environment combined with
inflationary pressures beyond our immediate control have resulted in an increase
in these costs for the coming year.

Budgeted improvements to your work environment at Plaza Tower One during 1999
will include the following:

o    Upgrades to the parking garage elevator lobbies;
o    An addition of one security guard to assist our tenants and guests at the
     front lobby from 7:00 a.m. to midnight;
o    A completion of Year 2000 upgrades; and
o    Energy savings projects to include an exit light retrofit, and floor
     temperature sensors, which are budgeted to occur in the first and second
     quarter of 1999.

As always, we appreciate your business. If you have any questions, please do not
hesitate to contact me.

Sincerely,

CLARION REALTY SERVICES

/s/ LOUISE BOUCHARD
Louise Bouchard

Enclosure

<PAGE>   4

                          [PLAZA TOWER ONE LETTERHEAD]

DECEMBER 21, 1998

Mr. Joe Starcevic
USA. Global Link
50 North Third Street
Fairfield, Iowa 52555

RE:  Plaza Tower One
     1999 Estimated Operating Escalation

Dear Mr. Starcevic:

In accordance with the terms of your lease, we have estimated the 1999 operating
escalation for the above noted property and will begin billing monthly estimates
January 1, 1999. Your proportionate share was calculated accordingly.

<TABLE>
<S>                                          <C>
1999 Budgeted Operating Costs                $ 5,351,076.45
Less: Base Operating Costs - 1998 Estimate     5,057,990.00
                                             --------------
Excess Base Year Expenses                        293,086.45
Tenant's Pro Rata Share %                            1.8316%
                                             --------------
Tenant's Annual Pro Rata Shares of Excess    $     5,368.20
                                             ==============
1999 Monthly Estimate                        $       447.35
</TABLE>

Please note that Property Colorado OBJLW One Corporation will invoice you on a
monthly basis. All remittances should be made payable to Property Colorado OBJLW
One Corporation and mailed to our lockbox.

     Property Colorado OBJLW One Corporation
     P.O. Box 5037; Unit #78
     Portland, OR 97208

To insure correct application of your payment, please indicate on your check for
which month and item you are paying. If you have any questions, please do not
hesitate to contact me at (303) 804-1707.

Sincerely,

CLARION REALTY SERVICES

/s/ LOUISE BOUCHARD
Louise Bouchard

<PAGE>   5

                      [CLARION REALTY SERVICES LETTERHEAD]

                                                                Date: 04/17/2000

TO:      Name:             March Freeman
         Company:          USA Global Link
         Fax Number:       515-472-2642
         Phone:            515-472-1550

FROM:    Name:             Jeff Peshut
         Fax Number:       303-796-7674
         Phone:            303-804-4701

Notes/Comments:

Marc,

The Certificate of Substantial Completion for USA Global Link at Plaza Tower
One follows this fax cover sheet. According to the certificate, Phase I was
completed July 4, 1998 and Phase II was completed July 29, 1998. Under the
Lease, the Lease Commencement Date is the earlier of one (1) day after
Substantial Completion of both Phase I and Phase II or July 29, 1998. Because
Phase II was not completed until July 29, that became the Lease Commencement
Date. The Lease Term was 61 months, beginning on that date and ending
August 31, 2003.

Please call me with your questions.

Jeff
<PAGE>   6

CERTIFICATE OF             Distribution to:
SUBSTANTIAL                OWNER             [X]       [STAMP]
COMPLETION                 ARCHITECT         [ ]
                           CONTRACTOR        [X]
                           FIELD             [ ]
                           OTHER             [ ]
AIA DOCUMENT C704                                        PLAZA TOWER ONE
--------------------------------------------------------------------------------
<TABLE>
<S>                 <C>                      <C>
PROJECT:            USA Global Link          ARCHITECT: B(2)SJ Design Group
(name, address)     Plaza Tower One
                    6400 S. Fiddler's Green  ARCHITECT'S PROJECT NUMBER:   98.01
                    Suite 160A
                    Englewood, CO 80111      CONTRACTOR: Peak West Construction
                                                         6665 Kenton Street, St 202
TO (Owner):         Clarion Realty Services              Englewood, CO 80111
                    Plaza Tower One          CONTRACT FOR:
                    6400 S. Fiddler's Green     Interior Construction Remodel
                    Englewood, CO 80111         Tenant: USA Global Link
                                             CONTRACT DATE:

DATE OF ISSUANCE: 08-24-98
</TABLE>

PROJECT OR DESIGNATED PORTION SHALL INCLUDE: Phase One/6,474 RSF, Suite 160A
Remodel and construction scope of work, as designated in construction documents
released March 27, 1998 with subsequent revisions May 7 and May 11, 1998.

The Work performed under this Contract has been reviewed and found to be
substantially complete. The Date of Substantial Completion of the Project or
portion thereof designated above is hereby established as July 4, 1998, which
is also the date of commencement of applicable warranties required by the
Contract Documents, except as stated below.

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

                  DEFINITION OF DATE OF SUBSTANTIAL COMPLETION

The Date of Substantial Completion of the work or designated portion thereof is
the Date certified by the Architect when construction is sufficiently complete,
in accordance with the Contract Documents, so the Owner can occupy or utilize
the work or designated portion thereof for the use for which it is intended, as
expressed in the Contract Documents.

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

A list of items to be completed or corrected, prepared by the Contractor and
verified and amended by the Architect, is attached hereto. The failure to
include any items on such list does not alter the responsibility of the
Contractor to complete all Work in accordance with the Contract Documents. The
date of Commencement of warranties for items on the attached list will be the
date of final payment unless otherwise agreed to in writing.

B(2)SJ Design Group           /s/ SETH BARBER                           08-28-98
------------------------      ----------------------------------        --------
ARCHITECT                     By SETH BARBER, PRINCIPAL                 DATE

The Contractor will complete or correct the Work on the list of items attached
hereto within           days from the above date of Substantial Completion.

Peak West                     /s/ GENE BARK
------------------------      ----------------------------------        --------
CONTRACTOR                    By GENE BARK, P.M.                        DATE

The Owner accepts the Work or designated portion thereof as substantially
complete and will assume full possession thereof at              (time) on
             (date).

Clarion Realty Services       /s/ TOM PRITEKEL                           09-8-98
------------------------      ----------------------------------        --------
OWNER'S REPRESENTATIVE        By TOM PRITEKEL                           DATE

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

The responsibilities of the Owner and the Contractor for security, maintenance,
heat, utilities, damage to the Work and insurance shall be as follows:

Note [ILLEGIBLE]

Not Applicable.

--------------------------------------------------------------------------------
<PAGE>   7

CERTIFICATE OF             Distribution to:
SUBSTANTIAL                OWNER             [X]
COMPLETION                 ARCHITECT         [ ]
                           CONTRACTOR        [X]
                           FIELD             [ ]
                           OTHER             [ ]
AIA DOCUMENT C704
--------------------------------------------------------------------------------
<TABLE>
<S>                 <C>                      <C>
PROJECT:            USA Global Link          ARCHITECT: B(2)SJ Design Group
(name, address)     Plaza Tower One
                    6400 S. Fiddler's Green  ARCHITECT'S PROJECT NUMBER:   98.01
                    Suite 160A
                    Englewood, CO 80111      CONTRACTOR: Peak West Construction
                                                         6665 Kenton Street, St 202
TO (Owner):         Clarion Realty Services              Englewood, CO 80111
                    Plaza Tower One          CONTRACT FOR: Interior Construction Remodel
                    6400 S. Fiddler's Green                Tenant: USA Global Link
                    Englewood, CO 80111      CONTRACT DATE:

DATE OF ISSUANCE: 08/13/98
</TABLE>
PROJECT OR DESIGNATED PORTION SHALL INCLUDE: Phase Two/1,974 RSF, Suite 160A
remodel and construction scope of work, as designated in construction documents
released March 27, 1998 with subsequent revisions May 7 and May 11, 1998.

The Work performed under this Contract has been reviewed and found to be
substantially complete. The Date of Substantial Completion of the Project or
portion thereof designated above is hereby established as July 29, 1998, which
is also the date of commencement of applicable warranties required by the
Contract Documents, except as stated below.

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

                  DEFINITION OF DATE OF SUBSTANTIAL COMPLETION

The Date of Substantial Completion of the Work or designated portion thereof is
the Date certified by the Architect when construction is sufficiently complete
in accordance with the Contract Documents, so the Owner can occupy or utilize
the Work or designated portion thereof for the use for which it is intended, as
expressed in the Contract Documents.

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

A list of items to be completed or corrected, prepared by the Contractor and
verified and amended by the Architect, is attached hereto. The failure to
include any items on such list does not alter the responsibility of the
Contractor to complete all Work in accordance with the Contract Documents. The
date of Commencement of warranties for items on the attached list will be the
date of final payment unless otherwise agreed to in writing.

B(2)SJ Design Group             /s/ SETH BARBER                         08-28-98
------------------------      ----------------------------------        --------
ARCHITECT                     By SETH BARBER, PRINCIPAL                 DATE

The Contractor will complete or correct the Work on the list of items attached
hereto within _________ days from the above Date of Substantial Completion.

Peak West
------------------------      ----------------------------------        --------
CONTRACTOR                    By GENE BARK, P.M.                        DATE

The Owner accepts the Work or designated portion thereof as substantially
complete and will assume full possession thereof at ____________ (time) on
_____________ (date).

Clarion Realty Services       /s/ TOM PRITEKEL                           09-8-98
------------------------      ----------------------------------        --------
OWNER'S REPRESENTATIVE        By TOM PRITEKEL                           DATE

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

The responsibilities of the Owner and the Contractor for security, maintenance,
heat, utilities, damage to the Work and insurance shall be as follows:

Note [ILLEGIBLE]

NOT APPLICABLE.

--------------------------------------------------------------------------------
<PAGE>   8
                                 PLAZA TOWER ONE

                                  OFFICE LEASE

LOCATION:                PROPERTY COLORADO OBJLW ONE CORPORATION

                         by its agent, Clarion Partners, LLC

TENANT:                  USA GLOBAL LINK, INC.

<PAGE>   9
                                TABLE OF CONTENTS

<TABLE>
<S>                                                                         <C>
1.   DEFINITIONS .............................................................1
2.   USES ....................................................................3
3.   RENT ....................................................................4
4.   UTILITIES ...............................................................6
5.   SERVICES ................................................................7
6.   INDEMNIFICATION AND INSURANCE ...........................................7
7.   WAIVER OF SUBROGATION ...................................................9
8.   REPAIRS .................................................................9
9.   TENANT'S PROPERTY ......................................................10
10.  IMPROVEMENTS AND ALTERATIONS BY TENANT .................................10
11.  CASUALTY ...............................................................11
12.  ASSIGNMENT, LETTING AND SUBLETTING .....................................11
13.  LIENS AND INSOLVENCY ...................................................13
14.  CONDEMNATION ...........................................................14
15.  CONSTRUCTION CONDITIONS ................................................14
16.  OCCUPANCY, LEASE COMMENCEMENT DATE .....................................15
17.  RULES AND REGULATIONS ..................................................15
18.  PARKING ................................................................16
19.  ACCESS .................................................................16
20.  SIGNS ..................................................................16
</TABLE>

i - PLAZA TOWER ONE LEASE
<PAGE>   10

<TABLE>
<S>                                                                         <C>
21.  TENANT'S DEFAULT .......................................................17
22.  PERSONAL PROPERTY LIEN .................................................18
23.  QUIET ENJOYMENT, INABILITY TO PERFORM ..................................19
24.  HOLD OVER TENANCY ......................................................19
25.  ATTORNEYS' FEES ........................................................20
26.  AMENDMENT, WAIVER ......................................................20
27.  NOTICES ................................................................20
28.  BINDING EFFECT, GENDER .................................................21
29.  ADDENDA AND ATTACHMENTS ................................................21
30.  LIMITATION OF LIABILITY ................................................21
31.  LANDLORD'S RESERVED RIGHTS .............................................22
32.  ESTOPPEL CERTIFICATE ...................................................22
33.  ACCORD AND SATISFACTION ................................................23
34.  SEVERABILITY ...........................................................23
35.  SUBORDINATION ..........................................................23
36.  TIME ...................................................................24
37.  APPLICABLE LAW .........................................................24
38.  BROKER'S INDEMNIFICATION ...............................................24
39.  SECURITY DEPOSIT .......................................................24
40.  CONFLICTS OF INTEREST ..................................................25
41.  TENANT REPRESENTATIONS .................................................25
42.  ENVIRONMENTAL COVENANTS ................................................26
</TABLE>

ii - PLAZA TOWER ONE LEASE
<PAGE>   11
<TABLE>
<S>                                                                         <C>
43.  RENEWAL OPTION .........................................................27
44.  CANCELLATION OPTION ....................................................27
45.  EXPANSION OPTION .......................................................28
</TABLE>

EXHIBITS

Exhibit "A"       Improved Area
Exhibit "B-1"     Leased Premises
Exhibit "B-2"     Phase I Space and Phase II Space
Exhibit "B-3"     Expansion Space
Exhibit "C"       Work Agreement
Exhibit "C-1      Final Construction Drawings
Exhibit "D"       Janitorial Services
Exhibit "E"       Lease Commencement Date Statement
Exhibit "F"       Rules and Regulations
Exhibit "G"       Attornment and Nondisturbance Agreement
Exhibit "H"       Estoppel Certificate
Exhibit "I"       Greenwood Plaza South

iii - PLAZA TOWER ONE LEASE
<PAGE>   12

                                      LEASE

         This Lease ("Lease") is made as of June 5th, 1998, between PROPERTY
COLORADO OBJLW ONE CORPORATION, an Oregon corporation, ("Landlord"), by its
agent, Clarion Partners, LLC, and USA GLOBAL LINK INC., a Delaware corporation
("Tenant").

                                   WITNESSETH:

Landlord and Tenant hereby agree as follows:

                                 1. DEFINITIONS

         A. "Base Operating Costs" shall mean Tenant's Pro Rata Share of
Operating Costs during the calendar year ending December 31, 1998.

         B. "Base Rent" shall mean the following for the periods indicated:

<TABLE>
<CAPTION>
               Period                     $/Sq. Ft./year: $/month
               ------                     -----------------------
               <S>                        <C>
               Months 1-25                $19.00 per rentable sq. ft. per year
                                          $13,376.00 per month
                                          $160,512.00 per year
               Months 26-61               $19.33 per rentable sq. ft. per year
                                          $13,608.32 per month
                                          $163,299.84 per year
</TABLE>

         C. "Building" shall mean the building shown on Exhibit "A", containing
the Tower and the Retail Area, and within which the Leased Premises are located.

         D. "Greenwood Plaza South" shall mean the area developed or to be
developed and shown on Exhibit "I".

         E. "Improved Area" shall mean the real property located in Arapahoe
County, Colorado, described and shown on Exhibit "A", attached hereto, including
the Building and any and all other buildings, other than those built for lease,
existing or to be constructed thereon, all land thereunder and all appurtenances
thereto, such as entries, sidewalks, curb areas, garage complexes, driveways and
landscaped areas.

         F. "Lease Commencement Date" shall have the meanings as set forth in
this paragraph. Prior to the execution of this Lease, Tenant has occupied the
Leased Premises pursuant to that certain Temporary Occupancy License Agreement
dated February 6, 1998 (the

1 - PLAZA TOWER ONE LEASE
<PAGE>   13

"License Agreement"). As outlined in paragraph 15 of this Lease, Landlord will
be constructing certain improvements within the Leased Premises in two phases.
Such construction shall affect the commencement date of this Lease and the
expiration date of the License Agreement as follows. On the date that Landlord
notifies Tenant of the Substantial Completion (as defined in Exhibit "H"
attached hereto) of the Phase I Improvements (as defined in paragraph 15.A.
hereof), this Lease shall commence with respect to the Phase I Space (as defined
in paragraph 15.A. hereof) and the License Agreement shall be rendered null and
void as to the Phase I Space. During the construction of the Phase I
Improvements, Tenant shall continue to occupy the Phase II Space (as defined in
paragraph 15.A. hereof) and such occupancy shall be governed by the License
Agreement. On the date that Landlord notifies Tenant of the Substantial
Completion (as defined in Exhibit "H" attached hereto) of the Phase II
Improvements (as defined in paragraph 15.A.), this Lease shall commence with
respect to the Phase II Space and the License Agreement shall be rended null
and void in its entirety. Notwithstanding anything to the contrary in the
foregoing, during the construction of the Phase II Improvements, Tenant shall
not be obligated to make any rental payments under the License Agreement or this
Lease with respect to the Phase II Space. Notwithstanding the foregoing, the
Lease Commencement Date for the entire Leased Premises (Phase I and Phase II
Spaces) shall occur on the earlier of (i) one (1) day after Substantial
Completion of the Phase I Improvements and the Phase II Improvements (excluding
Tenant Delay), or (ii) July 29, 1998, except as extended by Landlord Delay.

         G. "Lease Term" shall mean the period beginning on the Lease
Commencement Date and ending sixty-one (61) months thereafter, provided that if
the Lease Commencement Date is a date other than the first day of a calendar
month, the first month of the Lease Term shall be deemed to be the partial month
and the first full month such that the Lease Term expires on the last day of a
calendar month. To illustrate this definition: if the Lease Commencement Date
for a lease with a 60-month term is January 15, 2000, the expiration date will
be January 31, 2005.

         H. "Leased Premises" shall mean the right to use the interior space of
the annex portion of the Building shown on Exhibit "B-l", attached hereto,
containing approximately 8,448 rentable square feet, plus the appurtenant right
to use, in common with others, the entries, sidewalks, curb areas; driveways,
garage complexes, and other public portions of the Improved Area.

         I. "Permitted Purpose" shall mean use of the Leased Premises for
general office purposes and purposes incidental thereto, unless otherwise agreed
to in writing by Landlord in its full and sole discretion.

         J. "Rent" shall mean Base Rent, Tenant's Pro Rata Share of Operating
Costs in excess of Base Operating Costs and any other amounts payable by Tenant
to Landlord under this Lease.

         K. "Retail Area" shall mean the area of the Building shown on Exhibit
"A".

2 - PLAZA TOWER ONE LEASE
<PAGE>   14

         L. "Tenant's Broker of Record" shall mean The Staubach Company.

         M. "Tenant's Pro Rata Share" shall mean 1.8316% calculated by
dividing Tenant's Total Square Footage by the Total Square Footage of the Tower.

         N. "Tenant's Total Square Footage" (approximately 8,448 rentable square
feet) shall mean the sum of the square footage in the Leased Premises, an
allocated portion of common area square footage on Tenant's floor and an
allocated portion of the square footage of the remaining common areas in the
Tower. Calculation of such allocated square footage will be done by Landlord on
a reasonable basis consistently applied. If such calculation is later discovered
to be in conflict with the approximate square footage stated herein above, this
lease shall be amended to conform to such calculation.

         O. "Total Square Footage of the Tower" shall mean 461,234 rentable
square feet; provided, however, if there is a change in the aggregate rentable
area of the Tower as the result of an addition to the Tower. partial destruction
of the Tower, modification of the Tower design, remeasurement by Landlord, or
other cause which results in a reduction or increase in the rentable area of the
Tower, Landlord shall make adjustments in the Total Square Footage of the Tower
to reflect any such change.

         P. "Tower" shall mean the portion of the Building shown on Exhibit "A".

                                    2. USES

         A. Tenant agrees to continuously use and occupy the Leased Premises for
the Permitted Purpose only, and for no other purpose whatsoever. Tenant
covenants to comply with all statutes, laws, ordinances, regulations and rules
and any recorded document affecting the Leased Premises and the Building. Tenant
shall not do or permit anything to be done in or about the Leased Premises or
the Building which will in any way (i) increase the existing rate of or affect
any fire or other insurance upon the Building or any of its contents; (ii)
injure the Building; (iii) constitute waste of the Leased Premises or the
Building; or (iv) be a nuisance, public or private, or menace to other tenants
of the Building, or anyone else.

         B. Tenant agrees that it has determined to Tenant's satisfaction that
the Leased Premises can be used for the Permitted Purpose. If Landlord
determines, in its sole opinion based on changes in zoning laws or other local
laws or ordinances, that the Leased Premises cannot be used for the Permitted
Purpose at any time during the Lease Term, either Landlord or Tenant shall have
the option to terminate this Lease. If Landlord fails to exercise such option,
Tenant shall have the right to use the Leased Premises for any other remaining
lawful purpose, for so long as the Leased Premises are then capable of
accommodating such uses.

3 - PLAZA TOWER ONE LEASE
<PAGE>   15

                                    3. RENT

          A. Tenant shall pay to Landlord on the first day of each calendar
month during the term of this Lease, at the mailing address as designated from
time to time by Landlord and without deduction or setoff (unless authorized by
this Lease), the Base Rent, any other charges provided for in this Lease, and
Tenant's Pro Rata Share of Operating Costs allocated to the Tower and described
in paragraph 3B below which exceed the Base Operating Costs. Rent for any
fractional calendar month shall be that proportion of the Rent which the number
of days during such month bears to the total number of days in such month. Rent
not paid by the first day of the month shall be subject to a late charge of
three percent (3%) per month of the amount due. For purposes of this paragraph
and until directed to do otherwise, Tenant shall mall all payments required to
be paid under this Lease to the following address:

                           c/o Property Colorado OBJLW One Corporation
                           P.O. Box 5037, Unit #78
                           Portland, Oregon 97208

         B. Operating Costs shall mean all expenses, costs and disbursements
made or required to be made by Landlord because of or in connection with the
maintenance, repair and operation of the Improved Area, including, but not
limited to, real estate taxes and assessments; use, sales, and any other taxes
(except income taxes) based on rents; personal property taxes on personal
property used in the operation of the Improved Area; equitable charges as may be
assessed to the Improved Area for the maintenance, repair and operation of the
common property of Greenwood Plaza South; the cost of all risk property
insurance, including earthquake and flood, and general liability insurance,
including Landlord's estimated fair market cost, not to exceed ISO Manual Rates
(Insurance Services Office), for any of such risks against which Landlord elects
to self insure; costs incurred by Landlord to comply with federal, state or
local laws regarding hazardous materials except when such compliance is required
due to the acts of Landlord or other tenants of the Building; utilities not
separately metered to individual tenants; costs of leasing or amortization of
energy reduction devices and systems, except those included in the initial
Building specifications; maintenance; repairs; janitorial service, operating
supplies, property management; Building services; snow removal; landscaping;
rubbish removal; tools and equipment used for the daily operation of the
Improved Area; air conditioning, heating and elevator repair and maintenance;
maintenance and repair of garage complex; security; property management fees;
management and maintenance personnel's wages, payroll taxes, welfare and
disability benefits reasonably incurred in the operation of the Improved Area.
Operating Costs shall not include monies spent for income tax accounting,
expenses resulting from negligence of Landlord; expenses and costs associated
with the operation of Landlord's business organization; legal fees; space
planning fees; real estate brokerage commissions; decorating fees; advertising
costs associated with development and leasing of the Building; bad debt or rent
losses of Landlord; fines, penalties, interest or other charges paid by Landlord
to any other tenant or third party; interest, depreciation, or expenditures of a
capital nature, except to the extent that such expenditures are required due to
a change in law including, but not limited to "The Americans

4 - PLAZA TOWER ONE LEASE
<PAGE>   16
 with Disabilities Act" and similar related Federal, State and Local laws, rules
and regulations applicable to the Improved Area or otherwise cause a reduction
in any item of Operating Costs, in which case that part of such capital
expenditure attributable to the calendar year shall be included in the Operating
Costs. Operating Costs shall be reasonably allocated between the Tower and the
Retail Area. Also, if Landlord constructs any other buildings for lease within
the boundaries of the Improved Area; Operating Costs, exclusive of those
incurred directly for the Building hereunder and such other buildings, shall be
reasonably allocated between the Building hereunder and such other buildings.
The determination of Operating Costs and their allocation shall be in accordance
with generally accepted accounting principles applied on a consistent basis. If
the Building and other buildings located on the Improved Area are not fully
rented during all or a portion of any calendar year, Landlord may make an
appropriate adjustment of the Operating Costs for such year, employing sound
accounting and management principles, to determine the amount of Operating Costs
that would have been paid or incurred by Landlord had all such buildings been
one hundred percent (100%) rented, and the amount so determined shall be deemed
to have been the amount of Operating Costs for such year.

          Operating Costs allocated to Tenant shall not reflect any type or
degree of service or duty performed by or through Landlord for any other tenant
which is not required to be performed for Tenant under this Lease which results
in a cost in excess of the services or duties required to be provided by
Landlord under this Lease. Furthermore, Operating Costs shall not reflect the
costs of any services provided by Landlord to other tenants which are not
required to be performed for Tenant under this Lease to the extent Landlord is
reimbursed by such tenants for the costs of such services.

         C. During December of each calendar year or as soon thereafter as
practicable, Landlord shall give Tenant written notice of Landlord's estimate of
Tenant's Pro Rata Share of Operating Costs which exceed Base Operating Costs
payable hereunder for the ensuing calendar year.

          On or before the first day of each month during the ensuing calendar
year, Tenant shall pay to Landlord one twelfth (1/12) of such estimated amount,
provided that if such notice is not given in December, Tenant shall continue to
pay on the basis of the prior year's estimate until the month after such notice
is given. If at any time it appears to Landlord that Tenant's Pro Rata Share of
Operating Costs payable hereunder for the current calendar year will vary from
its estimate by more than twenty per cent (20%), Landlord may, by written notice
to Tenant, revise its estimate for such year, and subsequent payments by Tenant
for such year shall be based upon such revised estimate.

         D. Within one hundred twenty (120) days after the close of each
calendar year, or as soon thereafter as is reasonably practicable, Landlord
shall deliver to Tenant a statement of additional Rent for Operating Costs
payable hereunder for such calendar year. If such statement shows an amount
owing by Tenant that is less than the estimated payments for such calendar year

5 - PLAZA TOWER ONE LEASE
<PAGE>   17

previously made by Tenant, Landlord shall credit the excess to the next
succeeding monthly installment of Rent. If such statement shows an amount owing
by Tenant that is more than the estimated payments for such calendar year
previously made by Tenant, Tenant shall pay the deficiency to Landlord within
thirty (30) days after delivery of such statement.

         E. If, for any reason other than the default of Tenant, this Lease
shall terminate on a day other than the last day of a calendar year, the
additional Rent for Operating Costs payable by Tenant applicable to the calendar
year in which such termination shall occur shall be prorated on the basis which
the number of days from the commencement of such calendar year to and including
such date of termination bears to three hundred sixty-five (365).

         F. Landlord shall, upon Tenant's written request, deliver to Tenant a
written accounting showing how Operating Costs were calculated for the past
year. Tenant may object to the statement of Operating Costs for the past year
only if Tenant does so in writing to Landlord within ninety (90) days of
Tenant's receipt of Landlord's statement of Tenant's Pro Rata Share of Operating
Costs. In the event of a timely objection made by Tenant, Tenant and Landlord
agree to cooperate in good faith to resolve any such objection. The foregoing
notwithstanding, Tenant shall in no way be relieved of its obligation to pay
Tenant's Pro Rata Share of Operating Costs as calculated by Landlord during the
period in which it is cooperating with Landlord to resolve any objections as
provided herein.

                                  4. UTILITIES

         Landlord shall provide to the Leased Premises the following utility
services: water, sewer, electricity. Utility charges for which separate billings
are not available shall be treated as Operating Costs. If heat, light, water or
any other utility services are supplied to and metered directly to the Leased
Premises, Tenant shall pay the cost thereof, and make any required deposits
related thereto. Separate additional charges may be made to Tenant, if Tenant,
in Landlord's reasonable judgment, makes excessive utility system demands where
such services are not separately metered. Landlord does not warrant that any of
the utility services will be free from interruption caused by Unavoidable Delay,
as defined in paragraph 23 below.

         Landlord may, in its sole discretion, limit the number of telephone
circuits available to Tenant based on a pro rata share calculated by multiplying
the total number of circuits available to all tenants in the Building by
Tenant's Pro Rata Share. Landlord or its representative may, in its sole
discretion, elect to cause the telephone circuits/lines to be connected in
and/or to the Lease Premises at Tenant's sole cost and expense.

         Upon the expiration or termination of this Lease, Landlord may, in its
sole discretion, require Tenant to remove, at Tenant's expense, all telephone,
computer, data, or other such wiring associated with the Leased Premises to the
point-of-connection, without regard to whether such wiring was paid for and/or
installed by Tenant. The point-of-connection shall be determined by

6 - PLAZA TOWER ONE LEASE
<PAGE>   18

Landlord. Tenant shall repair, or reimburse Landlord for the cost of repairing,
any damage resulting from removal of such wiring.

                                   5. SERVICES

         Landlord shall maintain all parking and common areas, which maintenance
shall include lighting, gardening, cleaning, snow removal, sweeping, painting
and window cleaning; and shall provide for the Leased Premises and the Building
such other services, including, but not limited to, air-cooling, heating,
replacement of building standard lamps as needed and the interior janitorial
services listed on Exhibit "D", as are necessary to maintain them in reasonably
good order and condition. Landlord shall maintain and repair the exterior of the
Building, its structural portions and the roof. The cost of such services shall
be considered an Operating Cost. Any services provided to Tenant by Landlord
which are not provided to other Tenants in the building shall be provided at
Tenant's expense.

         Such services, except for janitorial services. shall be furnished by
Landlord during normal working hours (from 6:00 a.m. to 6:00 p.m. weekdays, and
from 7:00 a.m. to 1:00 p.m. on Saturdays, legal holidays excepted), or at such
other times as requested by Tenant, in which event, Tenant shall pay the
additional cost thereof. The level of services shall be that customarily
provided by landlords of first-class buildings in the Denver, Colorado area. For
purposes of this paragraph. "legal holidays" shall mean New Year's Day, Martin
Luther King Day, Presidents' Day, Memorial Day, Independence Day, Labor Day,
Thanksgiving Day, Christmas Day, and such other national holidays as may
hereafter be established by the United States government.

         Landlord shall not be liable in any event, nor shall Rent be abated,
because of interruption of such services. The foregoing notwithstanding, if any
such interruption of services causes the Leased Premises to be untenantable for
a period of at least five (5) consecutive business days, Rent shall be abated
proportionately.

                        6. INDEMNIFICATION AND INSURANCE

         A. Landlord shall not be liable to Tenant, and Tenant hereby waives all
claims against Landlord, its advisor, and property manager for any injury to or
death of any person or damage to any property or any other type claim arising
out of an incident (i) occurring in, on or about the Leased Premises by or from
any cause whatsoever, or (ii) occurring in, on or about the Improved Area by
reason of any act or omission or any active, passive or concurrent negligence or
fault of Tenant, except to the extent caused by the negligence or willful
misconduct of Landlord, its advisor, property manager, employees, agents or
contractors.

         B. In addition to Tenant's obligations under paragraph D below, Tenant
agrees to indemnify, protect, pay on behalf of, and hold harmless Landlord, its
advisor, and property manager, from and against any and all claims or liability
for any injury to or death of any person (including employees of Tenant and
Landlord) or damage to any property (including property

7 - PLAZA TOWER ONE LEASE
<PAGE>   19

belonging to Tenant and Landlord) whatsoever or any other claim (i) occurring
in, on or about the Leased Premises or any part thereof, from any cause
whatsoever or (ii) occurring in, on or about the Improved Area by reason of any
act or omission or any active, passive or concurrent negligence or fault of
Tenant, except to the extent caused by the negligence or willful misconduct of
Landlord, its advisor, property manager, employees, agents or contractors. The
obligations of indemnity set forth in this paragraph shall survive termination
of this Lease by expiration of the Lease Term or otherwise.

         C. Tenant shall, at its sole cost and expense, obtain and keep in force
during the Lease Term, all-risk property insurance (including theft, sprinkler
leakage, and boiler and machinery) on Tenant's improvements, fixtures,
furnishings and equipment in and upon the Leased Premises or Building in an
amount not less than one hundred percent (100%) of the full replacement cost
(without deduction for depreciation) thereof, with a maximum deductible of
$1,000. Landlord reserves the right to request Tenant to have a replacement
cost appraisal prepared not less than every three (3) years. All amounts
received from said insurance shall be applied to the payment of the cost of
repair or replacement of any Tenant's improvements, fixtures, furnishings and
equipment that were damaged or destroyed unless this Lease terminates prior to
such repair or replacement being made, in which case the portion of such amounts
representing improvements and fixtures which would have become Landlord's
property pursuant to paragraph 10 hereof shall be paid over to Landlord, and
the balance shall be retained by Tenant. Tenant shall also carry business
interruption insurance.

         D. Without in any way limiting Tenant's liability pursuant to paragraph
B above, Tenant shall, at its sole cost and expense, obtain and keep in force
during the term of this Lease (i) commercial general liability insurance (Bodily
Injury and Property Damage) on an occurrence form with a limit of liability not
less than One Million and no/100 Dollars ($1,000,000) per occurrence including
premises-operations and products/completed operations hazards and with the
following supplementary coverages: (a) contractual liability to cover liability
assumed under this Lease; (b) personal injury liability with the "employee" and
"contractual" exclusions deleted; and (c) broad form property damage liability;
and (ii) umbrella excess liability insurance, in addition to and in excess of
the foregoing insurance policies, in an amount not less than Four Million and
no/100 Dollars ($4,000,000) per occurrence. Tenant shall also carry workers'
compensation in accordance with statutory limits and employer's liability
insurance. Landlord shall have the right, at any time or from time to time, to
reasonably adjust the amount of insurance required hereunder to reflect those
coverages and amounts typically carried by tenants such as Tenant in other
office buildings comparable to the Building, as industry standards change.

         E. All insurance required under this paragraph 6 and all renewals
thereof shall be issued by such responsible companies licensed or authorized to
do and doing business in the State of Colorado as may be reasonably approved by
Landlord. Each policy shall expressly provide that the policy shall not be
canceled or altered without thirty (30) days' prior written notice to Landlord.
All insurance under this paragraph shall name Landlord, Landlord's agent

8 - PLAZA TOWER ONE LEASE
<PAGE>   20

and advisor. Landlord's property manager and any mortgagee(s), all as
additional insureds, shall be primary and noncontributing with any insurance
which may be carried by Landlord, and shall expressly provide that Landlord, its
advisor, and property manager, although named as additional insureds, shall
nevertheless be entitled to recover against Tenant under the policy for any
loss, injury or damage to Landlord, its advisor, property manager, employees and
contractors, and shall contain a standard "cross liability" or "severability of
interest" clause.

         Upon the issuance thereof, each such policy or a duplicate or
certificate thereof shall be delivered to Landlord for retention by it.

         Tenant shall require any contractor who performs work on the Leased
Premises to carry general liability insurance and to name Landlord, its advisor
and its property manager as additional insureds.

                            7. WAIVER OF SUBROGATION

         Tenant waives on behalf of its insurers under all policies of fire and
theft, all rights of subrogation which any insurer might otherwise have to any
claims of Tenant against Landlord. Landlord waives on behalf of its insurers
under all policies of fire and theft, all rights of subrogation which any
insurer might otherwise have to any claims of Landlord against Tenant. Landlord
and Tenant shall each, prior to or immediately after the execution of this
Lease, procure from each of such insurers a waiver of all rights of subrogation
which the insurer might otherwise have as against the other, to the extent
required by this paragraph. This paragraph shall not be construed to require of
Landlord or Tenant any insurance coverage not otherwise required by this Lease
nor to waive any rights of recovery that either Landlord or Tenant may have
directly against the other to the extent that any loss or damage giving rise to
any such right of recovery is not actually covered by insurance.

                                   8. REPAIRS

         Except for services provided by Landlord, Tenant agrees to maintain in
a clean, orderly and sanitary condition and keep in good repair, the
non-structural interior of the Leased Premises, ordinary wear and tear excepted.
Such maintenance and repair shall be at the sole cost of Tenant and shall
include but not be limited to the maintenance and repair of floor covering,
ceilings and walls, front and rear doors, and all interior glass on the Leased
Premises. If Tenant fails to maintain or keep the Leased Premises in good repair
and such failure continues for fifteen (15) days after written notice from
Landlord, Landlord may perform any such required maintenance and repairs and the
cost thereof shall be additional Rent payable by Tenant within ten (10) days of
receipt of any invoice therefor from Landlord.

9 - PLAZA TOWER ONE LEASE
<PAGE>   21

                              9. TENANT'S PROPERTY

         Furnishings, trade fixtures, computer and telephone wiring, and
moveable equipment, if any, paid for and installed by Tenant, shall be the
property of Tenant. On expiration of this Lease, if there is then no Event of
Default, Tenant may remove any such property and shall remove any such property
if directed by Landlord. Tenant shall repair, or reimburse Landlord for the cost
of repairing, any damage resulting from removal of Tenant's property. If Tenant
fails to remove such property as required under this Lease, or in the event
Tenant abandons the Leased Premises, Tenant shall be deemed to have abandoned
all interest in any such property remaining or then in or upon the Leased
Premises and Landlord may remove the same as its own property and dispose of
such property as it desires without liability to Tenant.

                   10. IMPROVEMENTS AND ALTERATIONS BY TENANT

         Tenant may make such additional improvements or alterations to the
Leased Premises as it deems necessary or desirable, but only with Landlord's
prior written approval (which approval shall not be unreasonably withheld). Any
such improvements or alterations by Tenant shall be at Tenant's expense and
shall be done by a licensed contractor approved by Landlord in conformity with
plans and specifications approved by Landlord. If requested by Landlord. Tenant
will post a bond or other security reasonably satisfactory to Landlord to
protect Landlord against liens arising from work performed for Tenant. All work
performed shall be done in a good and workmanlike manner, in accordance with
applicable law and with materials (where not specifically described in the
specifications) of the quality and appearance comparable to those in the
Building. Prior to the commencement of any work or delivery of any materials to
the Leased Premises, Tenant shall furnish Landlord, for its approval, copies of
the following:

                  (a) plans and specifications;

                  (b) names and addresses of contractors;

                  (c) copies of contracts;

                  (d) necessary permits; and

                  (e) such other items as may be reasonably requested by
         Landlord to protect its interest in the Building in connection with the
         work.

         Landlord, by written notice to Tenant given at or prior to commencement
of any improvement, addition, or alteration to the Leased Premises described in
this paragraph 8, may require Tenant, at Tenant's sole cost and expense, to
remove all or any portion of such improvements, additions, or alterations at or
prior to the expiration or termination of this Lease, and to repair or restore
any damage caused by the installation and removal of such improvements,
additions, or alterations; provided, however, the only improvements, additions
or

10 - PLAZA TOWER ONE LEASE
<PAGE>   22

alterations which Tenant may remove shall be those specified in such notice.
Except for Tenant's furnishings, trade fixtures, computer and telephone wiring
and moveable equipment, property not specified for removal shall upon
termination or expiration of the Lease become the property of Landlord.
Notwithstanding the foregoing, in the case of any improvement, addition, or
alteration made without the prior written consent of Landlord, Landlord may
provide the notice contemplated by this paragraph at any time at or prior to the
termination or expiration of this Lease.

                                  11. CASUALTY

         If the Leased Premises or the Building are destroyed or damaged by
fire, earthquake or other casualty to the extent that the Leased Premises are
untenantable in whole or in part, then Landlord shall, except as provided below,
proceed with reasonable diligence to rebuild and restore the Leased Premises or
such part thereof as may be destroyed or damaged, and during the period of such
rebuilding and restoration, this Lease shall remain in full force and effect,
and Rent shall be abated in the same ratio as the square footage in the portion
of the Leased Premises rendered untenantable, if any, shall bear to the total
square footage in the Leased Premises. If Landlord shall reasonably determine
that such destruction or damage cannot be rebuilt and restored within
one-hundred-eighty (180) days of the occurrence, it shall so notify Tenant
within sixty (60) days after the occurrence of such damage or destruction. In
such event, either Landlord or Tenant may, within twenty (20) days after such
notice, terminate this Lease. If neither party terminates this Lease during such
twenty (20) day period, this Lease shall remain in effect and Landlord shall
diligently proceed to rebuild and restore the Leased Premises, and Rent shall
abate as set forth above. If Landlord determines that the Leased Premises can be
rebuilt and restored within one-hundred and eighty (180) days after the
occurrence but the rebuilding of the Leased Premises is not completed within
such one-hundred and eighty (180) day period (subject to the provisions of
paragraph 23.C., which shall not, in any event, extend the completion period
more than sixty (60) days), Landlord, within five (5) days of Tenant's written
demand, shall provide Tenant with Landlord's written assurance that the Leased
Premises will be rebuilt and restored with thirty (30) days after Tenant's
demand. If the Leased Premises are not rebuilt and restored within thirty (30)
days after Tenant's demand (subject to the provisions of paragraph 23.C.) or
Landlord advises Tenant that the Leased Premises will not be rebuilt and
restored within thirty (30) days, then either Landlord or Tenant may, within ten
(10) days after Landlord's advice to Tenant, terminate this Lease. Anything in
this Lease to the contrary notwithstanding, in the event the Leased Premises are
rendered untenantable due to the fault or neglect of Tenant, its agents,
employees, invitees, or licensees, there shall be no abatement of Rent.

                     12. ASSIGNMENT, LETTING AND SUBLETTING

         A. Except as permitted in subparagraph F below, Tenant, its legal
representatives and successors in interest, shall have no right to assign, let
or sublet or permit assigning, letting or subletting of this Lease, the Leased
Premises or any part thereof, respectively, without first obtaining the written
consent of Landlord, which consent shall not be unreasonably withheld,

11 - PLAZA TOWER ONE LEASE
<PAGE>   23
and any attempt to do so shall be null and void. Any consent of Landlord, unless
specifically stated therein, shall not relieve Tenant from its obligations under
this Lease, and a consent by Landlord to any one assignment or subletting shall
not constitute a consent to any other or subsequent assignment or subletting.

         B. In addition to any other reasonable basis, Landlord shall be deemed
to be reasonably withholding its consent to any such assignment, letting or
subletting, if such assignment, letting or subletting would result in the
assignment, leasing or subleasing of the Leased Premises to any party, business
or lessee:

            (1) who proposes to conduct a business therein which is not in
conformance with the provisions of paragraph 2 hereof; or

            (2) who is then a lessee of the Building if the Landlord has, or
will have during the ensuing six (6) months, suitable space for rent in the
Building; or

            (3) whose business is of a character which is not, in Landlord's
opinion, consistent with the character of the Building.

         C. In the event that Tenant proposes any assignment of this Lease or
sublease of the Leased Premises, Tenant shall notify Landlord in writing at
least thirty (30) days before the date on which such assignment or sublease is
to be effective and, as included in such notice, furnish Landlord with (a) the
name of the proposed assignee or sublessee (the "Transferee"), (b) a description
of the business of the Transferee, (c) financial statements of the Transferee
(audited if available), (d) all written agreements governing the sublease, and
(e) any other information reasonably requested by Landlord with respect to the
assignment, sublease or the Transferee. Landlord shall respond to Tenant's
request for approval or disapproval of the proposed assignment or sublease
within fourteen (14) days after Landlord receives Tenant's request and all
documents and information required in the preceding sentence. If Landlord
consents to a proposed assignment or sublease of this Lease, the appropriate
parties shall enter into an assignment or consent to sublease agreement drafted
by Landlord. Consent by Landlord to any assignment or subletting shall not
include consent to the assignment or transferring of any lease renewal options
or space option rights of the Premises, special privileges or extra services
granted to Tenant under this Lease, unless otherwise agreed to by Landlord in
writing.

         D. Tenant shall pay to Landlord fifty percent (50%) of all net profit
derived by Tenant from any assignment or subletting. For purposes of the
foregoing, "net profit" shall be deemed to be the amount of all rent payable by
such assignee or sublessee in any given year of the Lease Term in excess of the
Rent payable by Tenant under this Lease during such year less the following
verifiable costs and expenses: (i) any improvement allowance or other economic
concession paid by Tenant to the assignee/subtenant; (ii) broker's commissions
paid by Tenant with regard to the subletting; (iii) attorneys' fees incurred by
Tenant in connection with the assignment or sublease; (iv) lease takeover
payments; (v) costs of advertising the Premises for

12 - PLAZA TOWER ONE LEASE
<PAGE>   24

sublease, (vi) reasonable costs incurred by Tenant to make improvements to the
Premises for the assignee/subtenant to occupy the Premises, and (vii) all other
commercially reasonable costs of subletting incurred by Tenant. If a part of the
consideration for such assignment or subletting shall be payable other than in
cash, the payment to Landlord shall be in cash for its share of any non-cash
consideration based upon the fair market value thereof. Tenant shall and hereby
agrees that it will furnish to Landlord upon request from Landlord a complete
statement, certified by an officer or representative of Tenant with authority to
do so, setting forth in detail the computation of all net profit derived and to
be derived from such assignment or subletting, such computation to be made in
accordance with generally accepted accounting principles. Tenant agrees that
Landlord or its authorized representatives shall be given access at all
reasonable times to the books, records and papers of Tenant relating to any such
assignment or subletting, and Landlord shall have the right to make copies
thereof. The percentage of Tenant's profit due Landlord hereunder shall be paid
to Landlord within five (5) days of receipt by Tenant of all payments made from
time to time by such assignee or sublessee to Tenant.

         E. Tenant shall reimburse Landlord upon demand for all costs incurred
by Landlord, including reasonable attorney's fees and costs, to prepare and
negotiate all documents in connection with any requested sublease or
assignment.

         F. Notwithstanding anything to the contrary contained in this paragraph
12, Tenant need not obtain Landlord's prior consent to assign its interest in
this Lease or sublet all or any portion of the Leased Premises to an entity
which is controlled by, controls or is under common control with Tenant (an
"Affiliate"), provided that at the time of the proposed assignment or
subletting, Tenant's net worth is equal to or greater than its net worth as of
the date of this Lease. Tenant shall immediately notify Landlord of any such
assignment, purchase, transfer, sublease, action, or use. For purposes of this
Lease, "control" shall mean the possession, direct or indirect, of the power to
direct or cause the direction of the management and voting securities, by
contract or otherwise. Notwithstanding any such assignment or subletting or the
acceptance of rent by Landlord directly from any such assignee or sublessee,
Tenant shall remain fully liable for all obligations of Tenant hereunder,
without any obligation on the part of Landlord first to exhaust its remedies
against any such assignee or sublessee. Although Landlord's prior consent is not
required for transfers to an Affiliate, the Affiliate must expressly agree in
writing to assume all of Tenant's obligations under this Lease.

                            13. LIENS AND INSOLVENCY

         Tenant shall keep the Leased Premises, the Building and the Improved
Area free from any liens arising out of any work performed, materials furnished,
or obligations incurred by Tenant. If Tenant becomes insolvent or voluntarily
or involuntarily bankrupt, or if a receiver, trustee or other liquidating
officer is appointed for the business or property of Tenant. Landlord shall have
the right and option at any time thereafter to terminate this Lease by notice to
Tenant.

13 - PLAZA TOWER ONE LEASE
<PAGE>   25

                                14. CONDEMNATION

         If all or any part of the Leased Premises are taken under power of
eminent domain or like power, or sold under imminent threat thereof to any
public authority or private entity having such power, this Lease shall terminate
as to the part of the Leased Premises so taken or sold, effective as of the date
possession is required to be delivered to such authority or entity, so long as
the remainder of the Leased Premises may be used for Tenant's business. Rent for
the remaining Lease Term shall be reduced in the proportion that the Tenant's
Total Square Footage is reduced by the taking. 1f a partial taking or sale of
the Building or the Leased Premises (i) substantially reduces the area of the
Leased Premises resulting in a substantial inability of Tenant to use the Leased
Premises for Tenant's business purposes, or (ii) renders the Building unviable
to Landlord, Tenant, in the case of (i), or Landlord, in the case of (ii) may
terminate this Lease by notice to the other party within thirty (30) days after
the terminating party receives a written notice of the portion to be taken or
sold, such termination to be effective one-hundred-eighty (180) days thereafter,
or when the portion is taken or sold, whichever is sooner. All condemnation
awards and similar payments shall be paid and belong to Landlord, except any
amounts awarded or paid specifically for Tenant's trade fixtures and relocation
costs or any other amounts awarded specifically to Tenant, provided such awards
do not reduce Landlord's award. Nothing contained herein shall diminish Tenant's
right to deal on its own behalf with the condemning authority.

                          15. CONSTRUCTION CONDITIONS

         A. Tenant desires and Landlord has agreed to construct certain
improvements in the Leased Premises in the following manner. Landlord shall
first construct certain improvements ("Phase I Improvements") in that portion of
the Leased Premises consisting of approximately 6,474 rentable square feet
("Phase I Space"), as depicted in Exhibit "B-2" attached hereto. Landlord shall
notify Tenant of the Substantial Completion (as defined in Exhibit "C" attached
hereto) of the Phase I Improvements and Tenant shall promptly move all of its
personal property from the Phase II Space into the Phase I Space. Landlord shall
then construct certain improvements ("Phase II Improvements") in that portion
of the Leased Premises consisting of approximately 1,974 rentable square feet
("Phase II Space"), as depicted in Exhibit "B-2" attached hereto. The Phase I
Improvements and Phase II Improvements shall hereinafter be referred to
collectively as the "Leasehold Improvements" and shall be as described in the
Work Agreement attached hereto as Exhibit "C."

         B. Landlord shall bear the risk of loss to the Leasehold Improvements
in any portion of the Leased Premises until the Lease Commencement Date. Tenant
may inspect the Leasehold Improvements at reasonable times so long as such
inspections do not interfere with Landlord's construction activities and
Landlord's approval is received in advance of Tenant's inspection visit.

14 - PLAZA TOWER ONE LEASE
<PAGE>   26

         C. To the extent that this paragraph or paragraph 16 below conflicts
with the Work Agreement, the Work Agreement shall control.

         D. Landlord estimates that subject to the provisions of the Work
Agreement attached hereto as Exhibit "C", Substantial Completion of the Phase I
Improvements shall occur and the Phase I Space shall be certified and approved
for occupancy on or about July 3, 1998, and furthermore that Substantial
Completion of the Phase II Improvements shall occur and the Phase II Space shall
be certified and approved for occupancy on or about July 28, 1998; provided,
however, that if such Substantial Completion does not occur by such dates,
Landlord shall not be liable in damages to Tenant for any delay in Substantial
Completion and such delay shall not affect the Lease Commencement Date as
defined herein, except as otherwise provided in Exhibit "C" in the event of
Landlord Delay.

         E. By taking possession hereunder, Tenant shall have acknowledged that
it has examined the Leased Premises and accepts the same as being in the
condition called for by this Lease. Landlord shall use reasonable efforts to
correct minor defects, if any, shown on Tenant's "punch list" within 30 days
after Tenant takes possession, and in the event a major defect or omission
appears in the installation of the major building systems or structure, Landlord
agrees to correct any such defect or omission as soon as reasonably possible
after receiving notice thereof from Tenant.

                     16. OCCUPANCY, LEASE COMMENCEMENT DATE

         If Substantial Completion of the Leased Premises has not occurred by
July 28, 1998, and such delay continues for more than one hundred and twenty
(120) days after such date, plus any extensions permitted in the Work Agreement,
either party may terminate this Lease. Prior to occupying the Leased Premises,
Tenant shall execute and deliver to Landlord a letter in the form attached
hereto as Exhibit "E", acknowledging the Lease Commencement Date. If Tenant
fails to deliver such letter, the date of Substantial Completion of the Leased
Premises shall be deemed to be the Lease Commencement Date.

                            17. RULES AND REGULATIONS

         Tenant covenants that Tenant and its agents, employees, invitees, or
those claiming under Tenant, will at all times observe, perform and abide by all
reasonable rules and regulations promulgated by Landlord, from time to time, as
long as such rules and regulations do not conflict with, or unreasonably modify,
any provision of this Lease and such rules and regulations are uniformly applied
to all tenants of the Building. Landlord's rules and regulations in effect on
the date hereof are attached hereto as Exhibit "F".

15 - PLAZA TOWER ONE LEASE
<PAGE>   27
                                   18. PARKING

          Landlord shall provide non-exclusive parking within a seven level
structure (1-6 covered) contiguous to the Building. Within said structure,
Tenant shall lease from Landlord twenty-five (25) non-exclusive parking spaces
for use by the Tenant at the then-current monthly market rate, to be determined
by Landlord in its sole discretion. The current monthly market rate for such
non-exclusive parking spates is Fifty-five and no/100 Dollars ($55.00) per space
per month. Tenant shall pay the foregoing parking charges to Landlord or its
designee on the first day of each month of the Lease Term. All present and
future parking shall be within such parking areas and not within the street
right-of-way. There shall be no on-street parking. Tenant may not lease parking
spaces within said structure from anyone other than Landlord. Tenant may not
sublease parking spaces within said structure to anyone other than a subtenant
to whom an assignment, letting, or subletting was made pursuant to paragraph 12
hereof. The number of parking spaces allotted to Tenant under this paragraph has
been calculated based on a ratio of 3 parking spaces per 1,000 rentable square
feet of the Leased Premises. Therefore, if during the original or renewal term
of this Lease the square footage of the Leased Premises should change, the
number of parking spaces granted to Tenant may be modified accordingly.

                                   19. ACCESS

          Landlord or Landlord's employees, agents or contractors may enter the
Leased Premises at reasonable times for the purpose of inspecting, altering or
repairing the Leased Premises or other portions of the building and for the
purpose of ascertaining compliance by Tenant with the provisions of this Lease.
Landlord may also show the Leased Premises to prospective purchasers, renters or
lenders during regular business hours and upon reasonable notice during the last
twelve (12) months of the Lease Term, provided that Landlord shall not
unreasonably interfere with Tenant's business operations or with Tenant's use
and occupancy of the Leased Premises. Landlord shall repair, at Landlord's
expense, any damage to the Leased Premises resulting from the exercise of the
foregoing rights by Landlord or Landlord's employees, agents or contractors.

                                    20. SIGNS

          All signs and symbols placed on the doors or windows or elsewhere
about the Leased Premises, or upon any other part of the Building, including
building directories, shall be subject to the approval of Landlord. Tenant shall
have no right to place signs outside the Building and within the Improved Area.
Tenant shall be entitled to place signs within the interior of the Leased
Premises without having first obtained Landlord's approval, provided that such
signage is

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<PAGE>   28

not visible from common areas of the Building, including, but not limited to,
elevators and common area corridors. Upon expiration of this Lease, all signs
installed by Tenant shall be removed and any damage resulting therefrom shall be
promptly repaired, or such removal and repair may be done by Landlord and the
cost thereof charged to Tenant as additional Rent hereunder. Notwithstanding
anything to the contrary in the foregoing, Tenant shall be allowed to (i) place
signage on the transom of the glass door leading into the annex from the
atrium, (ii) place its corporate name in the directory located in the main
lobby and in the directory located in the annex lobby, and (iii) mount a
building standard sign on the wall next to the main entrance of the Leased
Premises; provided, however, that the signage specified in items (i) and (ii)
shall be designed at Tenant's sole cost and expense and all of the foregoing
signage shall be installed at Tenant's sole cost and expense and shall be
subject to Landlord's prior written approval.

                              21. TENANT'S DEFAULT

         It shall be an "Event of Default" if (i) Tenant fails to pay Rent or
any other charge or payment required of Tenant hereunder when due and such
failure continues for ten (10) days after written notice thereof to Tenant by
Landlord; (ii) Tenant violates or fails to perform any of the other conditions,
covenants or agreements herein made by Tenant, and such violation or failure
continues for thirty (30) days after written notice thereof to Tenant by
Landlord or if such default cannot be cured within thirty (30) days if Tenant
commences to cure the default within the thirty (30)-day period, but fails to
proceed diligently and fully cure the default within forty-five (45) days; (iii)
Tenant makes a general assignment for the benefit of its creditors or files a
petition for bankruptcy or other reorganization, liquidation, dissolution or
similar relief; (iv) a proceeding is filed against Tenant seeking any relief
mentioned in (iii) above which is not dismissed within sixty (60) days after
filing; (v) a trustee, receiver or liquidator is appointed for Tenant or a
substantial part of its property; (vi) Tenant's interest under this Lease is
taken upon execution or by other process of law directed against Tenant or is
attached by or on behalf of any creditor of Tenant; or (vii) Tenant mortgages,
assigns (except as expressly permitted in this Lease) or otherwise encumbers
Tenant's interest under this Lease.

          If an Event of Default occurs, Landlord may: (i) without obligation to
do so and without releasing Tenant from any obligation under this Lease, make
any payment or take any action Landlord may deem necessary or desirable to cure
such Event of Default, and the cost thereof shall be reimbursed by Tenant to
Landlord within ten (10) days after demand; (ii) terminate this Lease by written
notice to Tenant as of the date such notice is given or as of any other date
specified in such notice; (iii) with or without terminating this Lease, reenter
and take possession of the Leased Premises by legal proceedings; (iv) with or
without terminating this Lease, if Tenant has vacated or abandoned the Leased
Premises, reenter and take possession of the Leased Premises, or any part
thereof, and remove the effects therein without liability for any damages
thereto and without being deemed guilty of any manner of trespass and without
prejudice to any other remedies of Landlord hereunder; and (v) exercise any
other legal remedy, including, without limitation, equitable remedies, on
account of such Event of Default. All remedies of

17-  PLAZA TOWER ONE LEASE

<PAGE>   29

Landlord under this Lease shall be cumulative, and the exercise of any of such
remedies shall not prevent the concurrent or subsequent exercise of any other
remedy.

          Should Landlord elect to reenter or take possession of the Leased
Premises pursuant to legal proceedings or otherwise, Landlord may, from time to
time, without any obligation to do so and without terminating this Lease, relet
the Leased Premises or any part thereof on behalf of Tenant for such term or
terms and at such rent or rents, and upon such other terms and conditions, as
Landlord may deem advisable in its sole discretion (including, without
limitation, giving concessions, free rent, and payment of concessions), with the
right to make alteration and repairs to the Leased Premises. No such reentry or
taking of possession of the Leased Premises by Landlord shall be construed as an
election on Landlord's part to terminate this Lease, unless a written notice of
termination is given to Tenant by Landlord, nor shall it preclude Landlord from
terminating this Lease at a later time by giving written notice to Tenant.

         If Landlord elects to take possession without terminating this Lease,
then such repossession shall not relieve Tenant of its obligations and
liabilities under this Lease, all of which shall survive such repossession. In
the event of such repossession, Tenant shall pay to Landlord, as Rent, all Rent
which would be payable hereunder if such repossession had not occurred, less the
net proceeds, if any, of any reletting of the Leased Premises, after deducting
all of Landlord's reasonable expenses incurred in connection with such
reletting, and rental concessions. Tenant shall pay such Rent to Landlord on the
days on which such Rent would have been payable hereunder if possession had not
been retaken.

         If, however, this Lease is terminated by Landlord, Landlord shall be
entitled to recover as damages from Tenant, in addition to all other damage
suffered by Landlord on account of any Event of Default, the present value of
all of the Rent which would have been due for the remainder of the Lease Term
had this Lease not been terminated, discounted at the rate of five percent
(5%), plus all of Landlord's costs of reletting the Leased Premises, including
repair, alteration, and preparation of the Leased Premises for reletting,
brokerage commissions, attorneys' fees, and rental concessions. Said amount
shall be immediately due and payable by Tenant to Landlord. Any amount due to
Landlord hereunder may be collected after termination.

                           22. PERSONAL PROPERTY LIEN

          As additional security for Tenant's performance of its obligations
under this Lease, Tenant hereby grants to Landlord a security interest in and to
all of the personal property of Tenant situate or to become situate on the
Leased Premises as security for the payment of all Rent and other sums due or to
become due under this Lease. Tenant shall execute such documents as Landlord may
reasonably require to evidence Landlord's security interest in such personal
property, including financing statements, separate security agreements and other
documentation. If Tenant is in default under this Lease, such personal property
shall not be

18-  PLAZA TOWER ONE LEASE

<PAGE>   30

removed from the Leased Premises (except to the extent such property is replaced
with an item of equal or greater value), without the prior written consent of
Landlord. It is intended by the parties hereto that this Lease and the
provisions herein contained shall have the effect of a security agreement
governing such personal property, and Landlord, upon the occurrence of an Event
of Default set forth in paragraph 21 may exercise any rights of a secured party
under the Uniform Commercial Code of the State of Colorado, including the right
to take possession of such personal property and, after proper notice to those
parties required by law to be notified, shall be authorized to sell the same for
the best price that can be obtained at public or private sale, and out of the
proceeds derived therefrom, to pay the amount due Landlord, and all costs
arising out of the execution of the provisions of this paragraph, paying the
surplus, if any, to Tenant. If such personal property, or any portion thereof,
shall be offered at a public sale, Landlord may become the purchaser thereof.
Notwithstanding the foregoing, Landlord shall subordinate its lien in Tenant's
personal property to the security interest of Tenant's supplier or institutional
financial source, provided that the subordination must be limited to a specified
transaction and specified items of the fixtures, equipment, or inventory
involved in the transaction. Furthermore, such subordination shall be on a form
supplied by Landlord.

                    23. QUIET ENJOYMENT, INABILITY TO PERFORM

          A. If, and so long as, Tenant pays Rent and keeps and performs each
and every term, covenant and condition herein contained on the part and on
behalf of Tenant to be kept and performed, Tenant shall quietly enjoy the Leased
Premises without hindrance or molestation by Landlord, subject to the terms,
covenants and conditions of this Lease and the Superior Instruments, as defined
and provided in paragraph 35 below.

          B. Landlord shall pay all taxes and assessments so as not to
jeopardize Tenant's use of the Leased Premises. The foregoing notwithstanding;
Landlord shall be entitled to contest any tax or assessment which it deems to be
improperly levied against the Improved Area or any part thereof, so long as
Tenant's use of the Leased Premises is not interfered with.

          C. Whenever a period of time is herein prescribed for action to be
taken by Landlord or Tenant (other than Tenant's obligation to pay rent),
Landlord or Tenant shall not be liable or responsible for and there shall be
excluded from the computation of any such period of time. any delays due to
strikes, riots, acts of God, shortages of labor or materials, war, government
laws, regulations or restrictions, or any other causes of any kind whatsoever
which are beyond the reasonable control of Landlord or Tenant (herein referred
to as "Unavoidable Delay").

                              24. HOLD OVER TENANCY

          If (without execution of a new lease or written extension) Tenant
shall hold over after the expiration of the Lease Term, Tenant may, at
Landlord's election, be deemed to be occupying the Leased Premises as a tenant
from month to month, which tenancy may be terminated as provided by law. During
such tenancy, Tenant agrees to pay to Landlord one hundred and fifty percent

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<PAGE>   31

(150%) of (i) Tenant's Pro Rata Share of Operating Costs and (ii) the then
current Base Rent, as set forth herein, unless a different rate is agreed upon
in writing, and to be bound by all of the terms, covenants and conditions as
herein specified, so far as applicable.

                               25. ATTORNEYS' FEES

          In the event either party requires the services of any attorney in
connection with enforcing the terms of this Lease, or in the event suit is
brought for the recovery of any Rent due under this Lease, or for the breach of
any covenant or condition of this Lease, or for the restitution of the Leased
Premises to Landlord and/or eviction of Tenant during the Lease Term, or after
the expiration thereof, the party prevailing in any such legal action shall be
entitled to an award for all legal costs and expenses, including, but not
limited to, a reasonable sum for attorneys' fees, whether incurred at trial, on
appeal or otherwise.

                              26. AMENDMENT, WAIVER

          This Lease constitutes the entire agreement between the parties and
supersedes all prior agreements or understandings between the parties with
respect to the subject matter hereof. No prior agreement or understanding shall
be effective. This Lease shall not be amended or modified except in writing by
both parties. No covenant or term of this Lease shall be waived except with the
express written consent of the waiving party whose forbearance or indulgence in
any regard shall not constitute a waiver of such covenant or term. Failure to
exercise any right in one or more instances shall not be construed as a waiver
of the right to strict performance or as an amendment to this Lease.

                                   27. NOTICES

          All notices required by this Lease shall be in writing, sealed in an
envelope and delivered by nationally recognized overnight courier, in person, or
mailed by U.S. Registered or Certified Mail, return receipt requested, postage
prepaid to the address specified below:

 If intended for Landlord:          Property Colorado OBJLW One Corporation
                                    c/o Clarion Partners, LLC
                                    335 Madison Avenue - 7th Floor
                                    New York, New York 10017
                                    Attn: Account Manager

          with a copy to:           Property Colorado OBJLW One Corporation
                                    c/o Clarion Realty Services, LLC
                                    6400 S. Fiddler's Green Circle, Suite 180A
                                    Englewood, Colorado 80111
                                    Attn: General Manager

20-  PLAZA TOWER ONE LEASE

<PAGE>   32

 If intended for Tenant:            Mr. Daniel H. Hartnett, Esq.
                                    McDermott, Will & Emery
                                    227 West Monroe Street
                                    Chicago, Illinois 60606-5096

          with a copy to:           USA Global Link, Inc.
                                    Gary W. Hamm, P.E.
                                    6400 S. Fiddlers Green Circle, Suite 160A
                                    Englewood, Colorado 80111

          with a copy to:           USA Global Link, Inc.
                                    50 North Third Street
                                    Fairfield, Iowa 52556
                                    Attention: Finance/Legal Departments

or to such other address(es) as either party designates by notice, as provided
in this paragraph, to the other party, from time to time. Notice shall be
effective as of the date delivered in person or the date postmarked, whichever
is later.

                           28. BINDING EFFECT, GENDER

          Subject to the provisions in paragraph 12, this Lease shall be binding
upon and inure to the benefit of the parties and their successors and assigns.
It is understood and agreed that the terms "Landlord" and "Tenant" and verbs and
pronouns in the singular number are uniformly used throughout this Lease
regardless of gender, number or fact of incorporation of the parties hereto.

                           29. ADDENDA AND ATTACHMENTS

          The typewritten addenda, exhibits or supplemental provisions, if any,
attached or added hereto, are made a part of this Lease by reference and the
terms thereof shall control over any inconsistent provisions in the paragraphs
of this Lease.

                           30. LIMITATION OF LIABILITY

          The obligations of Landlord under this Lease do not constitute
personal obligations of the individual partners, directors, officers, or
shareholders of Landlord, and Tenant shall look solely to the real estate that
is the subject of this Lease and to no other assets of the Landlord for
satisfaction of any liability in respect of this Lease and will not seek
recourse against the individual partners, directors, officers or shareholders of
Landlord or any of their personal assets for such satisfaction or for any
deficiency judgment should Tenant be unable to satisfy any liability owed to it,
unless recourse against such individuals is expressly permitted under applicable
laws. The obligations of Tenant under this Lease do not constitute personal
obligations of the individual partners, directors, officers, or shareholders of
Tenant, and Landlord will not seek recourse against the individual partners,
directors, officers or shareholders of

21-  PLAZA TOWER ONE LEASE

<PAGE>   33

Tenant or any of their personal assets for such satisfaction or for any
deficiency judgment should Landlord be unable to satisfy any liability owed to
it, unless recourse against such individuals is expressly permitted under
applicable laws.

                         31. LANDLORD'S RESERVED RIGHTS

          Without notice and without liability to Tenant, Landlord shall have
the right to:

         (1) Change (i) the name of the Building, and (ii) the Street address of
the Building if required to do so by an appropriate authority;

         (2) Install and maintain reasonable signs on the exterior of the
Building;

         (3) Make reasonable and uniform rules and regulations as, in the
judgment of landlord, may from time to time be needed for the safety of the
tenants, and the care and cleanliness of the Building and the preservation of
good order therein. Tenant shall be notified in writing when each such rule and
regulation is promulgated;

          (4) Grant utility easements or other easements to such parties, or
replat, subdivide or make such other changes in the legal status of the land
underlying the Improved Area, as Landlord deems necessary, provided such grant
or changes do not substantially or materially interfere with Tenant's use of the
Leased Premises as intended under this Lease; and

         (5) Sell the Building and assign this Lease to the purchaser (and upon
such assignment be released from all of its obligations under this Lease which
accrue after such assignment). Tenant agrees to attorn to such purchaser, or any
other successor or assign of Landlord through foreclosure or deed in lieu of
foreclosure or otherwise and to recognize such person as Landlord under this
Lease, provided that such successors execute an agreement in form and substance
similar to the Attornment and Nondisturbance Agreement attached hereto as
Exhibit "G", as provided more fully in paragraph 35 below.

                            32. ESTOPPEL CERTIFICATE

          Within ten (10) days after request therefor by Landlord, its agents,
successors or assigns, Tenant shall deliver, in recordable form, a certificate
to any proposed mortgagee or purchaser, or to Landlord, together with a true and
correct copy of this Lease, certifying, if applicable (i) this Lease is in full
force and effect, without modification, (ii) the amount, if any, of prepaid Rent
and security deposit paid by Tenant to Landlord, (iii) that Landlord, as of the
date of the certificate, has performed all of its obligations due to be
performed under this Lease and that there are no defenses, counterclaims,
deductions or offsets outstanding, or other excuses for Tenant's performance
under this Lease, or stating those claimed by Tenant, and (iv) any other fact
reasonably requested by Landlord or such proposed mortgagee or purchaser, which
does not modify or conflict with Tenant's rights under this Lease. Tenant's
failure to deliver said

22-  PLAZA TOWER ONE LEASE

<PAGE>   34

statement in time shall be conclusive upon Tenant: (a) that this Lease is in
full force and effect, without modification except as may be represented by
Landlord, (b) that there are no uncured defaults in Landlord's performance and
Tenant has no right of offset, counterclaim defenses or deduction against Rent
or Landlord hereunder; and (c) that no more than one month's Rent has been paid
in advance. The foregoing certifications by Tenant shall be set forth on an
estoppel certificate in substantially the same form as the one attached hereto
as Exhibit "H."

                           33. ACCORD AND SATISFACTION

          No receipt and retention by Landlord of any payment tendered by Tenant
in connection with this Lease will give rise to, or support, or constitute an
accord and satisfaction, notwithstanding any accompanying statement, instruction
or other assertion to the contrary (whether by notation on a check or in a
transmittal letter or otherwise), unless Landlord expressly agrees to an accord
and satisfaction in a separate writing duly executed by the appropriate
persons. Landlord may receive and retain, absolutely and for itself, any and
all payments so tendered, notwithstanding any accompanying instructions by
Tenant to the contrary. Landlord will be entitled to treat any such payments as
being received on account of any item or items or Rent, or other sums due from
Tenant hereunder in connection herewith in such amounts and in such order as
Landlord may determine at its sole option.

                                34. SEVERABILITY

          The parties intend this Lease to be legally valid and enforceable in
accordance with all of its terms to the fullest extent permitted by law. If any
term hereof shall be finally held to be invalid or unenforceable, the parties
agree that such term shall be stricken from this Lease, the same as if it never
had been contained herein. Such invalidity or unenforceability shall not extend
to or otherwise affect any other term of this Lease, and the unaffected terms
hereof shall remain in full force and effect to the fullest extent permitted by
law, the same as if such stricken term never had been contained herein.

                                35. SUBORDINATION

          The rights of Tenant hereunder are, and shall be, at the election of
any mortgagee, subject and subordinate to the lien of any deeds of trust,
mortgages, the encumbrance of any leasehold financing, or the lien resulting
from any other method of financing or refinancing, now or hereafter in force
against the Improved Area or the Building, and to all advances made, or
hereafter to be made upon the security thereof (herein referred to as the
"Superior Instruments"). The foregoing notwithstanding, for any liens or
Superior Instruments filed of record after the execution of this Lease, the
rights of Tenant under this Lease shall not be subject or subordinated to such
liens or Superior Instruments unless the holders thereof execute an agreement in
form and substance similar to the Attornment and Nondisturbance Agreement
attached hereto as Exhibit "G". If requested, Tenant agrees to execute whatever
reasonable documentation may be required to further effectuate the provisions of
this paragraph.

23-  PLAZA TOWER ONE LEASE

<PAGE>   35

          Tenant agrees to attorn to any purchaser of the Building, or any other
successor or assign of Landlord through foreclosure or deed in lieu of
foreclosure, in return for and upon delivery to Tenant by such purchaser or
mortgagee, as the case may be, of an agreement substantially in the form of the
Attornment and Nondisturbance Agreement.

                                    36. TIME

          Time is of the essence hereof.

                               37. APPLICABLE LAW

          This Lease shall be construed according to the local laws of the State
of Colorado, without regard to the principles of conflicts of law, and venue
shall be in Arapahoe County, Colorado.

                          38. BROKER'S INDEMNIFICATION

          As part of the consideration for the granting of this Lease, Tenant
represents and warrants to Landlord that no broker or agent negotiated or was
instrumental in the negotiation or consummation of this Lease except Tenant's
Broker of Record, and Tenant agrees to indemnify Landlord against any loss,
expense, cost or liability incurred by Landlord as a result of any claims by
Tenant's Broker of Record and any other broker or finder claiming through
Tenant. Landlord represents and warrants to Tenant that no broker or agent
negotiated or was instrumental in the negotiation or consummation of this Lease
except Tenant's Broker of Record and Landlord agrees to indemnify Tenant against
any loss, expense, cost or liability incurred by Tenant as a result of any
claims by any other broker or finder claiming through Landlord. Notwithstanding
the foregoing indemnification by Tenant, Landlord shall pay Tenant's Broker of
Record the sum of Three and no/100 Dollars ($3.00) per rentable square foot of
the Leased Premises equal to Twenty Five Thousand Three Hundred Forty-Four and
no/100 Dollars ($25,344.00) as a commission for this transaction. One-half
of this sum shall be paid upon the date this Lease is fully executed by the
parties hereto; the remaining one-half shall be paid upon the Lease Commencement
Date for the entire Leased Premises.

                              39. SECURITY DEPOSIT

          The Tenant has deposited with Landlord, simultaneously with the
execution of this Lease, the sum of Forty Thousand One Hundred Twenty-Eight and
no/100 Dollars ($40,128.00) as security for the Rent payable hereunder, for the
return of the Leased Premises in good order and condition, and for the
performance of each and every one of the terms, covenants and conditions herein
stipulated. Said sum shall not be applicable by the Tenant to the payment of
Rent or any other charges for which it may become liable under this lease and
such deposit shall in no way relieve Tenant from the faithful and punctual
performance of all covenants and conditions hereby imposed upon it. Landlord
agrees that at the termination of this Lease, or at the termination of

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<PAGE>   36

any extension hereof, and provided that the Tenant has complied in all respects
with the terms, covenants and conditions herein, the deposit shall be returned
to Tenant thirty (30) days after the Leased Premises have been vacated in good
order and condition. In the event of a sale or leasing of the Building, Landlord
shall have the right to transfer the security deposit to its vendee and Landlord
shall thereupon be released by Tenant from all liability for the return of the
security deposit. In such event, Tenant agrees to look solely to the new
landlord for the return of said deposit. The provisions hereof shall apply to
every transfer or assignment made of the security deposit to a new landlord. The
Security Deposit shall be invested by Landlord in a Certificate of Deposit (the
"Certificate") at a bank of Landlord's choice. The Certificate will be held in
Landlord's name and will be invested for an initial term of six (6) months and
shall automatically renew, in the amount of principal plus interest for a like
term, except that the final renewal shall be for a period which results in the
Certificate maturing on the expiration date of the Lease Term. If at the end of
the Lease Term Tenant is not in default, the principal and interest remaining on
the Certificate shall be returned to Tenant.

                            40. CONFLICTS OF INTEREST

          Conflicts of interest relating to this Lease are strictly prohibited.
Except as otherwise expressly provided herein, neither Tenant nor any director,
employee or agent of Tenant, shall give to or receive from any director,
employee or agent of Landlord any gift, entertainment or other favor of
significant value, or any commission, fee or rebate. Likewise, neither Tenant
nor any director, employee or agent of Tenant shall enter into any business
relationship with any director, employee or agent of Landlord or of any
affiliate of Landlord), unless such person is acting for and on behalf of
Landlord, without prior written notification thereof to Landlord. Any
representative(s) authorized by Landlord may audit any and all records of Tenant
for the sole purpose of determining whether there has been compliance with this
paragraph.

                           41. TENANT REPRESENTATIONS

          If Tenant is a legal entity, Tenant hereby represents and warrants to
Landlord that (i) such entity is duly organized and validly existing under the
laws of the State of its formation and is qualified to do business in, and is in
good standing under, the laws of the State of Colorado, to the extent such
qualification is necessary for Tenant to conduct its business in the State of
Colorado; and (ii) this Lease and all documents executed or to be executed by
Tenant in connection herewith and which are to be delivered to Landlord will be
duly authorized, executed, and delivered and will be legal, valid, and binding
obligations of Tenant, and do not violate any provisions of any agreement or
currently existing judicial order to which Tenant is a party or to which it is
subject. Further, if requested by Landlord, either prior to or after Landlord's
execution of this Lease, Tenant shall provide Landlord with certified evidence
(i.e. certificate of authority) of the foregoing.

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<PAGE>   37

                           42. ENVIRONMENTAL COVENANTS

          A. GENERAL PROHIBITION; INDEMNITY. Tenant shall not cause or permit
any explosives, flammable substances, radioactive materials, asbestos in any
form, paint containing lead, materials containing urea formaldehyde,
polychlorinated biphenyls, or any other hazardous, toxic, or dangerous
substances, wastes, or materials, whether having such characteristics in fact or
defined as such under federal, state, or local laws or regulations and any
amendments thereto (all such materials and substances being hereinafter referred
to as "Hazardous Materials"), to be produced, brought upon, used, stored,
treated, released, or disposed of on, in, or about the Leased Premises, provided
that Tenant may store and use toner, cleaning fluids, and similar office
materials if such storage and usage is (i) permitted by applicable law and (ii)
accomplished in strict compliance with such law. Tenant shall indemnify, defend,
and hold Landlord harmless from and against any and all actions, costs, claims,
damages (including without limitation, attorneys', consultants', and experts'
fees, court costs, and amount paid in settlement of any claims or actions),
fines, forfeitures, or other civil, administrative, or criminal penalties,
injunctive or other relief (whether or not based upon personal injury; property
damage, or contamination of, or adverse effects upon, the environment, water
tables, or natural resources), liabilities, or losses arising from a breach of
this prohibition by Tenant, its affiliates, agents, employees, contractors,
subtenants, assignees, or invitees.

          B. NOTICE. Tenant immediately shall notify Landlord in writing of: (i)
any spill, release, discharge, or disposal of any Hazardous Materials upon, in,
or about the Leased Premises; (ii) any enforcement, cleanup, removal, or other
governmental or regulatory action instituted, contemplated, or threatened (if
Tenant has notice thereof) pursuant to any laws respecting Hazardous Materials;
(iii) any claim made or threatened by any person against Tenant or the Leased
Premises relating to damage, contribution, cost recovery, compensation, loss, or
injury resulting from or claimed to result from any Hazardous Materials; and
(iv) any reports made to any governmental agency or entity arising out of or in
connection with any Hazardous Materials upon, in, or about or removed from the
Leased Premises. Tenant also shall supply to Landlord as promptly as possible,
and in any event within five (5) business days after Tenant first receives or
sends the same, copies of all claim, reports, complaints, notices, warnings, or
asserted violations relating in any way to the Leased Premises, or Tenant's use
or occupancy thereof.

          C. ACTION BY TENANT. In the event that Hazardous Materials are
discovered upon, in, or about the Leased Premises which have been brought upon
the Leased Premises by Tenant, its agents, employees, contractors or other
representatives, and any governmental agency or entity having jurisdiction over
the Property requires the removal of such Hazardous Materials, Tenant shall be
responsible for removing such Hazardous Materials. Notwithstanding the
foregoing, Tenant shall not take any remedial action upon, in, or about the
Leased Premises without first notifying Landlord of Tenant's intention to do so
and affording Landlord the opportunity to protect Landlord's interest with
respect thereto.

26-  PLAZA TOWER ONE LEASE

<PAGE>   38

         D. SURVIVAL. The respective rights and obligations of Landlord and
Tenant under this paragraph 42 shall survive the expiration or earlier
termination of this Lease.

         E. LANDLORD'S REPRESENTATION AS TO HAZARDOUS MATERIALS. Landlord hereby
represents and warrants to Tenant that as of the date of this Lease, Landlord
has not received any notices from any governmental authority that would put
Landlord on notice of any existing violations within the Building of any
hazardous materials laws.

                               43. RENEWAL OPTION

         A. Tenant shall have the option to renew the Lease Term for one (1)
additional five (5)-year period by notifying Landlord in writing of Tenant's
election to exercise its option at least nine (9) months but no earlier than
twelve (12) months prior to the expiration of the original term of this Lease.
Tenant may exercise such option provided Tenant is not in material default in
the performance of any of the terms or covenants of this Lease as of the time of
such exercise nor at the time the renewal period is to commence and that Tenant
has satisfied all of its conditions under this Lease. The Leased Premises shall
be leased by Tenant during the renewal term in their "as-is" condition. All
terms and conditions of this Lease shall apply during the renewal term,
provided, however, that the Base Rent and parking charges payable during such
renewal period shall be the Fair Market Rental Value (as hereinafter defined)
and shall be determined as set forth below.

          B. Fair Market Rental Value (hereinafter referred to as "FMRV") as
used in this Lease shall be the rent calculated at rates for similar space in
the Building and in comparable Class A+, high-rise buildings with comparable
finishes and amenities offered by the Building and for parking garage spaces in
similar totally enclosed parking garages located within the Denver Tech
Center/Greenwood Plaza Market Area in which the Building is located, as of the
date of Landlord's declaration to be provided to Tenant in accordance with the
following sentence. Landlord shall declare the FMRV for each year of the renewal
period, which may include annual increases, in writing to Tenant within thirty
(30) days of the date Landlord receives Tenant's notice to renew. Tenant shall
have fifteen (15) days from the date of Landlord's declaration in which to
notify Landlord that it accepts Landlord's declaration of the FMRV and wishes to
renew the Lease Term. Failing such timely notice, Tenant shall be deemed to have
waived its right to renew under this paragraph 43.

                             44. CANCELLATION OPTION

                  Tenant shall have a one-time right to terminate this Lease
effective as of the last day of the 37th month after this Lease commences with
respect to the Phase I Space (as set forth in paragraph 1.F. hereof) (the
"Termination Date"), subject to the following terms and conditions: (1) Tenant
shall give Landlord written notice of its desire to exercise the foregoing
termination right at least six (6) months prior to the Termination Date; and (2)
on or before the Termination Date, Tenant shall pay Landlord a termination fee
equal to One Hundred Fifty

27-  PLAZA TOWER ONE LEASE

<PAGE>   39

Thousand Four Hundred Fifty-Nine and no/100 Dollars ($150,459.00) (the
"Termination Fee"). Tenant and Landlord acknowledge and agree that payment to
Landlord of the Termination Fee is a reasonable forecast of the actual damages
which will be suffered by Landlord in the event Tenant exercises its termination
right set forth in this paragraph 44, which actual damages are otherwise
difficult or impossible to ascertain, and therefore such amount constitutes
liquidated damages and not a penalty.

                              45. EXPANSION OPTION

                  (A) Subject to the terms and conditions contained herein,
Tenant shall have an Expansion Option in regard to the 2,383 rentable square
feet of space adjacent to the Leased Premises which is currently occupied by the
Building Management Office (the "Expansion Space"), as depicted on Exhibit "B-3"
attached hereto.

                  (B) If at any time prior to July 31, 1998, Tenant desires to
lease the Expansion Space from Landlord, Tenant shall notify Landlord in writing
of such desire. Within sixty (60) days of Tenant's notice, if Landlord shall
determine, in its sole and absolute discretion, that there are suitable
alternative premises for the Building Management Office within the Building,
Landlord shall provide Tenant with written notice (the "Expansion Notice") that
the Expansion Space is available for leasing. Tenant shall thereupon have the
right to lease the Expansion Space in accordance with the terms set forth below,
provided that in order to exercise such right, Tenant must provide Landlord with
written notice of its intent to exercise such right within ten (10) business
days following the Expansion Notice. Should Tenant indicate that it is not
prepared to lease the Expansion Space, whether by notice to Landlord or by
failing to respond to the Expansion Notice within the ten (10)-business day
period, then Tenant shall be deemed to have waived its Expansion Option for the
Expansion Space.

                  (C) If Tenant exercises its Expansion Option, the effective
date of Tenant's leasing of the Expansion Space (the "Expansion Space Effective
Date") shall be the earlier to occur of (i) two (2) months after the Expansion
Notice, (ii) the date Tenant occupies and operates its business from the
Expansion Space, (iii) substantial completion of any tenant improvements to be
constructed within the Expansion Space, or (iv) October 1, 1998. Provided Tenant
is not in default under this Lease at the time such right is exercised or at the
time the term for the Expansion Space is to commence, Tenant shall have the
right to lease the Expansion Space upon the same terms, covenants, and
conditions set forth in this Lease, except as follows:

                           (i) Base Rent. On the Expansion Space Effective Date,
          the Base Rent due under this Lease shall be increased by an amount
          equal to Nineteen and 50/100 Dollars ($19.50) multiplied by the
          rentable square feet of the Expansion Space.

                           (ii) Operating Costs. On the Expansion Space
          Effective Date, the percentage for Tenant's Pro Rata Share shall be
          increased by a percentage determined by multiplying 100 times the
          result of dividing the square footage of the Expansion Space by

28-  PLAZA TOWER ONE LEASE

<PAGE>   40

          the Total Square Footage of the Tower. The Base Year for the Expansion
          Space shall be the calendar year ending December 31, 1998.

                           (iii) Tenant Improvement Allowance. Landlord shall
          contribute the sum of Ten and no/100 Dollars ($10.00) per rentable
          square foot of the Expansion Space as an improvement allowance toward
          the cost of planning, design and construction of any improvements
          within the Expansion Space. Notwithstanding the foregoing, any portion
          of the allowance provided for in the preceding sentence that is not
          applied toward the costs of any tenant improvements in the Expansion
          Space shall be applied to the relocation costs incurred by Landlord to
          relocate the Building Management Office.

                  (D) Except as specifically provided otherwise in the
Expansion Notice, the Expansion Space shall be leased by Tenant in "as-is"
condition. The rights of Tenant under this paragraph 45 shall not be severed
from this Lease or separately sold, assigned, or otherwise transferred, and
shall terminate at the expiration of the original term of this Lease.

                           46. RIGHT OF FIRST REFUSAL

                  (A) Subject to the terms and conditions contained herein,
after the expiration of Tenant's expansion option set forth in paragraph 45
above, Tenant shall have a continuing Right of First Refusal in regard to the
Expansion Space (which shall be referred to herein as the "First Refusal
Space").

                  (B) If at any time after August 1, 1998, during the original
five (5)-year Lease Term (but not during any renewal term), Landlord has reached
a preliminary agreement with a bona fide prospective tenant ("Prospective
Tenant") as to the essential terms of a proposal for leasing the First Refusal
Space, which Landlord intends shall serve as the basis for negotiating a lease
with the Prospective Tenant (such preliminary agreement to be referred to herein
as a "Proposal"), Landlord shall first provide Tenant with a notice ("Landlord's
Notice") which informs Tenant of the Proposal and sets forth the Base Rent,
options to expand or terminate, and the amount of any tenant improvement
allowance offered to the Prospective Tenant. Within five (5) business days
following the date of Landlord's Notice, Tenant shall have the right to lease
the First Refusal Space upon the terms set forth in Landlord's Notice (except as
otherwise provided in subparagraph (C) below), and subject to the provisions set
forth below in this paragraph 46, by providing Landlord with written notice of
its intent to exercise such right. Should Tenant indicate that it is not
prepared to lease the First Refusal Space, whether by written notice to Landlord
or by failing to respond to Landlord's Notice within the said five (5)-business
day period, then Tenant shall be deemed to have waived its Right of First
Refusal and Landlord shall be free to lease such space to the Prospective Tenant
upon substantially the same terms as set forth in the Proposal.

                  (C) In the event that Tenant exercises its Right of First
Refusal, Landlord and Tenant shall enter into an amendment to this Lease adding
the First Refusal Space to the Leased

29-  PLAZA TOWER ONE LEASE

<PAGE>   41

Premises, subject to all of the terms and conditions set forth in Landlord's
Notice, except that (i) the term for the First Refusal Space shall expire
coterminously with the expiration of the Lease Term (as may be extended by
Tenant's exercise of its renewal option set forth in paragraph 43 above) for the
Leased Premises as set forth herein, and (ii) the tenant improvement allowance
set forth in Landlord's Notice, if any, shall be prorated based upon the time
remaining in the Lease Term.

                  (D) Except as specifically provided otherwise in Landlord's
Notice, the First Refusal Space shall be leased by Tenant in "as-is" condition,
and all other improvements in the First Refusal Space shall be Tenant's
responsibility at Tenant's cost, and shall be made in accordance with paragraph
10 of this Lease.

                  (E) The rights of Tenant under this paragraph 46 are personal
to Tenant and shall not be severed from this Lease or separately sold, assigned,
or otherwise transferred.

                  (F) The rights of Tenant hereunder are subject to the rights
of other tenants with respect to the First Refusal Space pursuant to leases in
existence as of the date of this Lease, and any renewals thereof.

                         [Signatures on following page.]

30-  PLAZA TOWER ONE LEASE

<PAGE>   42

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

WITNESS:                                LANDLORD:

                                        PROPERTY COLORADO OBJLW ONE
                                        CORPORATION, an Oregon corporation
---------------------------------
                                        By:   Clarion Partners, LLC,
                                              a New York limited liability
                                              company
                                              Its Authorized Agent

                                              By:  Clarion Partners, Inc.
                                                   a New York corporation
                                                   Its Managing Member

                                                   By: /s/ BRUCE G. MORRISON
                                                       -------------------------
                                                       Bruce G. Morrison
                                                       Its Senior Vice President

WITNESS:                                TENANT:

/s/ JACQUELINE LUCKETT                  USA GLOBAL LINK, INC.
----------------------------------      a Delaware corporation

                                        By:  /s/ [ILLEGIBLE]
                                             ----------------------------------
                                             Name:  [ILLEGIBLE]
                                                  -----------------------------
                                             Title:  Secretary
                                                   ----------------------------

31-  PLAZA TOWER ONE LEASE

<PAGE>   43

                                  EXHIBIT "A"

                                 IMPROVED AREA

Description: Lot 4, Block 3, GREENWOOD PLAZA SOUTH, Filing No. 1, County of
Arapahoe, State of Colorado (see attachment hereto)

1-EXHIBIT "A"
<PAGE>   44
                                   EXHIBIT A

                          [PLAZA TOWER ONE SITE PLAN]

<PAGE>   45

                                  EXHIBIT "B-1"

                                 LEASED PREMISES

         (See plan attached hereto or incorporated herein by reference)

1-EXHIBIT "B-1"

<PAGE>   46

                                 EXHIBIT 'B-1'

                                [FLOOR PLAN OF
                                 ANNEX SPACE]

               Leased Premises shown cross hatched = 8,448 R.S.F.

PLAZA TOWER ONE
6400 SOUTH FIDDLERS GREEN CIRCLE
ENGLEWOOD, COLORADO 80111

<PAGE>   47

                                  EXHIBIT "B-2"

                        PHASE I SPACE AND PHASE II SPACE

                                 [See attached.]

<PAGE>   48

                                 EXHIBIT 'B-2'

                                 [FLOOR PLAN OF
                                  ANNEX SPACE]

PLAZA TOWER ONE
6400 SOUTH FIDDLERS GREEN CIRCLE
ENGLEWOOD, COLORADO 80111

<PAGE>   49

                                 EXHIBIT "B-3"

                                EXPANSION SPACE

                                 [See attached.]

<PAGE>   50

                                 EXHIBIT 'B-3'

                                 [FLOOR PLAN OF
                                  ANNEX SPACE]

              Expansion Space shown cross hatched = 2,383 R.S.F.

PLAZA TOWER ONE
6400 SOUTH FIDDLERS GREEN CIRCLE
ENGLEWOOD, COLORADO 80111

<PAGE>   51

                                   EXHIBIT "C"

                                 WORK AGREEMENT

         The undersigned  as Landlord and Tenant, are executing simultaneously
with this Work Agreement a Lease covering the Leased Premises therein described
(the "Lease"). This Work Agreement is attached to the Lease as Exhibit "C".

Landlord and Tenant agree as follows:

1.       DEFINED TERMS

         The following terms have the respective definitions indicated for
         purposes of this Work Agreement:

         (a)      "PHASE I COMMENCEMENT DATE" means the later of (i) one day
                  after Substantial Completion of the Phase I Improvements,
                  excluding Tenant Delay, or (ii) July 4, 1998.

         (b)      "PHASE II COMMENCEMENT DAte" means the later of (i) one day
                  after Substantial Completion of the Phase II Improvements,
                  excluding Tenant Delay, or (ii) July 29, 1998.

         (c)      "CONSTRUCTION DRAWINGS" means the plans and specifications for
                  the construction of the Leasehold Improvements to the Leased
                  Premises dated March 27, 1998, which have been prepared by
                  Tenant's architect and delivered to Tenant for approval.

         (d)      "CONSTRUCTION DRAWINGS SIGN-OFF DATE" means May 6, 1998.

         (e)      "DEMOLITION" means the removal of all existing improvements
                  from the bottom of the floor slab above to the top of the
                  existing floor slab below the Leased Premises as per the
                  demolition plan.

         (f)      "GENERAL CONTRACTOR" means the person or firm from time to
                  time selected or approved by Landlord as herein provided to
                  construct and install the Leasehold Improvements in the Leased
                  Premises.

         (g)      "IMPROVEMENT ALLOWANCE" means the maximum amount Landlord
                  shall contribute toward the cost of providing Tenant's
                  Leasehold Improvements.

1- EXHIBIT "C"

<PAGE>   52

         (h)      "LANDLORD DELAY" means the sum of number of days (i) by which
                  Landlord was late in providing Landlord's responses
                  contemplated in this Exhibit "C", (ii) of delay caused by
                  changes requested by Landlord to any aspect of the Leasehold
                  Improvements after the Construction Drawings Sign-Off Date
                  (including any delay in preparing any of the documents or
                  drawings described herein), (iii) of delay caused by Landlord,
                  its agents, or contractors' interference (if any) in the
                  construction or delay in processing General Contractor's
                  submittals as provided herein, and (iv) of delay caused by the
                  inclusion of any work or materials not shown on the
                  Construction Drawings which causes Substantial Completion of
                  the Phase I Improvements to be delayed beyond July 3, 1998, or
                  which causes Substantial Completion of the Phase II
                  Improvements to be delayed beyond July 28, 1998.

         (i)      "LANDLORD'S REPRESENTATIVE" shall mean Tom Pritekel.

         (j)      "LEASEHOLD IMPROVEMENTS" means the complete construction of
                  the Leased Premises in accordance with the Construction
                  Drawings, which shall include the Phase I Improvements and the
                  Phase II Improvements.

         (k)      "PLAN DELIVERY DATE" means the date that Landlord delivers to
                  Tenant the proposed Construction Drawings;

         (1)      "PRELIMINARY PRICING PLAN" means the document prepared by
                  Tenant's architect dated February 9, 1998, which has been
                  given to Tenant that indicates general information necessary
                  for Tenant's architect to complete the Construction Documents.

         (m)     "PRODUCT DATA" means illustrations, standard schedules,
                  performance charts, instructions, brochures, diagrams and
                  other information which may be furnished by the General
                  Contractor to illustrate a material, product or system for
                  some portion of the construction of the Leasehold
                  Improvements.

         (n)      "SAMPLES" means physical examples which illustrate materials,
                  equipment or workmanship and establish standards by which the
                  construction of the Leasehold Improvements may be judged.

         (o)      "SHOP DRAWINGS" means drawings, diagrams, schedules and other
                  data specifically prepared for the construction of the
                  Leasehold Improvements by the General Contractor or his
                  subcontractor, manufacturer, supplier or distributor to
                  illustrate some portion of the construction of the Leasehold
                  Improvements.

         (p)      "PHASE I SUBSTANTIAL COMPLETION" means the date the Phase I
                  Improvements are certified by Landlord's architect as
                  sufficiently complete in accordance

2- EXHIBIT "C"

<PAGE>   53

                  herewith except as noted in the punch list, all construction
                  debris except for the debris associated with ongoing final
                  completion has been removed and the Phase I Space is
                  clean, such that the Tenant can reasonably occupy or utilize
                  the Phase I Space for the Permitted Purpose.

         (q)      "PHASE II SUBSTANTIAL COMPLETION" means the date the Phase II
                  Improvements are certified by Landlord's architect as
                  sufficiently complete in accordance herewith except as noted
                  in the punch list, all construction debris except for the
                  debris associated with ongoing final completion has been
                  removed and the Phase II Space is clean, such that Tenant can
                  reasonably occupy or utilize the Phase II Space for the
                  Permitted Purpose.

         (r)      "TENANT DELAY" means the sum of number of days (i) by which
                  Tenant was late in providing Tenant's responses contemplated
                  in this Exhibit "C", (ii) of delay caused by changes requested
                  by Tenant to any aspect of the Leasehold Improvements after
                  the Construction Drawings Sign-Off Date (including any delay
                  in preparing any of the documents or drawings described herein
                  and any delay or halting of construction), (iii) of delay
                  caused by Tenant, its agents, or contractors' interference (if
                  any) in the construction or delay in processing General
                  Contractor's submittals as provided herein, and (iv) of delay
                  caused by the inclusion of any work or materials not shown on
                  the Construction Drawings which causes Phase I Substantial
                  Completion to be delayed beyond July 3, 1998, or causes Phase
                  II Substantial Completion to be delayed beyond July 28, 1998.

         (s)      "TENANT'S REPRESENTATIVE" shall mean Gary W. Hamm.

2.       IMPROVEMENTS BY LANDLORD

         (a)      Schedule 1 attached hereto and made a part hereof contains a
                  list of improvements that establish the minimum acceptable
                  quality level for Plaza Tower One Leasehold Improvements.
                  Tenant may substitute improvements of an equivalent or higher
                  quality level subject to Landlord's approval, which approval
                  shall not be unreasonably withheld.

         (b)      Tenant has engaged an architect and Landlord has engaged an
                  engineer to design the Leasehold Improvements and to prepare
                  Construction Drawings. Once approved by Landlord and Tenant as
                  required under Section 3(b) hereof, the Construction Drawings
                  will be incorporated in the Lease by reference as Exhibit
                  "C-1" (Final Construction Drawings). The design of the
                  Leasehold Improvements and the Construction Drawings shall be
                  prepared to conform to the Preliminary Pricing Plan which
                  shall be incorporated herein as soon as prepared and agreed to
                  by Landlord and Tenant, as evidenced by their signature
                  thereon.

3- EXHIBIT "C"

<PAGE>   54

         (c)      Tenant shall assume the existing improvements in the Leased
                  Premises in their "AS IS" condition, subject to the provisions
                  of the Lease and this Agreement.

3.       SCHEDULE OF CRITICAL DATES

         (a)      Landlord acknowledges that Tenant has submitted a satisfactory
                  Preliminary Pricing Plan to Landlord prior to the execution
                  of this Agreement. Tenant acknowledges that Landlord has
                  submitted the Construction Drawings to Tenant prior to the
                  execution of this Agreement.

         (b)      On or about the Construction Drawings Sign-Off Date, Tenant
                  responded to Landlord with minor comments to the Construction
                  Drawings. Upon execution of the Lease, Landlord shall submit
                  revised Construction Drawings to Tenant which incorporate
                  Tenant's comments and Tenant shall sign-off on such drawings
                  within five (5) days after it receives the same from Landlord.

         (c)      Upon receipt of Tenant's written request and/or authorization
                  to make any change to the Construction Drawings or to the
                  Leasehold Improvements after the Construction Drawings Sign-
                  Off Date, which change affects contract price and/or delays
                  completion of the Phase I Improvements beyond July 3, 1998, or
                  delays completion of the Phase II Improvements beyond July 28,
                  1998, Landlord shall within four (4) business days either (A)
                  provide Tenant with Landlord's reasonable good faith estimate
                  of the increase or decrease in the number of days and revised
                  cost (if any) required to complete the Leasehold Improvements
                  occasioned by such change, or (B) inform Tenant of the number
                  of days it will take to make such a determination, in which
                  case if Tenant still desires to request such change(s),
                  Landlord shall use due diligence to provide Tenant with the
                  information in (A). The actual delay beyond July 3, 1998, or
                  July 28, 1998 as applicable, which any such change causes,
                  whether more or less than estimated, shall constitute Tenant
                  Delay. Any effect of such a change on cost which would cause
                  an increase in contract price will have no effect on the
                  amount of Improvement Allowance hereunder. Tenant agrees that
                  Landlord will not stop any construction in progress while
                  Landlord is evaluating or calculating the time required to
                  implement a change unless requested by Tenant or unless in
                  Landlord's or in General Contractor's reasonable judgment
                  construction should be stopped. Any such change order shall be
                  subject to Landlord's approval. After Landlord has approved
                  the change and provided the information described above,
                  Tenant shall then advise Landlord in writing of the acceptance
                  or rejection of the change order. The number of days from the
                  date Tenant requests a construction stop to the day
                  construction is resumed shall be Tenant Delay.

         (d)      In the event a change to the Construction Drawings after the
                  Construction Drawings Sign-Off Date is determined to be
                  required as a result of any unforeseen

4- EXHIBIT "C"

<PAGE>   55

                  condition within the existing Leased Premises, such a change
                  shall be treated as a Landlord change. Landlord will provide
                  written notice to Tenant as to the effect of such change on
                  design, cost and delay in completing the Leasehold
                  Improvements. Any delay occasioned by such a change shall be a
                  Landlord Delay and will offset accumulated days of Tenant
                  Delay (if any). Any effect of such a change on cost which
                  would cause an increase in contract price will have no effect
                  on the amount of Improvement Allowance hereunder.

         (e)      Landlord's Representative shall be the sole point of contact
                  with the General Contractor for both Landlord and Tenant
                  during construction of the Leasehold Improvements and until
                  the items on the punch list are completed or settled.
                  Landlord's Representative shall at all times have access to
                  the Leased Premises during construction of the Leasehold
                  Improvements. On the basis of his on-site observations,
                  Landlord's Representative will keep the Tenant and Landlord
                  informed of the progress of the construction of the Leasehold
                  Improvements. Landlord's Representative will not have control
                  or charge of and will not be responsible for construction
                  means, methods, techniques, sequences or procedures, or for
                  safety precautions and programs in connection with the
                  construction of the Leasehold Improvements, and he will not be
                  responsible for the General Contractor's failure to carry out
                  the construction in accordance with the Construction Drawings.
                  Landlord's Representative and Tenant will review, approve,
                  approve as noted or disapprove within two (2) business days of
                  the receipt of same, the General Contractor's submittal such
                  as Shop Drawings, Product Data and Samples, but only for
                  conformance with the design concept of the Leasehold
                  Improvements and with the information given in the
                  Construction Drawings.

         (f)      Any responses required within a certain time period under this
                  Exhibit "C" shall be in writing and shall be due by 4:00 p.m.
                  on the date specified therefor. Any such response received by
                  either party after 4:00 p.m. on any day shall be deemed to be
                  received on the next day.

         (g)      Prior to Phase I Substantial Completion, Tenant shall not have
                  access to the Phase I Space, unless previously authorized by
                  Landlord. Likewise, prior to Phase II Substantial Completion,
                  Tenant shall not have access to the Phase II Space, unless
                  previously authorized by Landlord.

4.       TENANT ALLOWANCES

         (a)      Landlord shall bear no more than Eighteen and no/100 Dollars
                  ($18.00) per square foot of rentable square footage within the
                  Leased Premises as an Improvement Allowance toward the cost of
                  planning, design and construction of Leasehold Improvements.
                  Tenant shall bear all amounts in excess of said Improvement

5- EXHIBIT "C"

<PAGE>   56

                  Allowance and shall reimburse Landlord for such excess upon
                  Substantial Completion as defined herein. Landlord shall, if
                  requested, provide Tenant with copies of paid invoices or
                  other evidence demonstrating that costs in excess of the
                  Improvement Allowance specified above have been paid by
                  Landlord.

         (b)      For purposes of this Work Agreement, the cost of design and
                  construction of the Leasehold Improvements shall include,
                  without limitation, the cost of preliminary space planning;
                  final space planning; Construction Documents; mechanical
                  engineering design and documentation; electrical design and
                  documentation; Landlord coordinated field observation and
                  follow-up; demolition; special consultants costs (structural,
                  acoustical, vibration, etc.), direct costs of construction;
                  and all required permits and fees.

5.       SUBSTANTIAL COMPLETION, CONSTRUCTION WARRANTY AND RENTAL COMMENCEMENT
         DATE

         (a)      Tenant's obligation to pay Rent under the Lease for the Phase
                  I Space shall not commence until the Phase I Commencement Date
                  as defined above. To the extent the Phase I Commencement Date
                  may be delayed beyond July 4, 1998, as a result of Tenant
                  Delay, Tenant's obligation to pay Rent under the Lease for the
                  Phase II Space shall not be deferred and the number of days
                  constituting Tenant Delay minus the number of days
                  constituting Landlord Delay shall be added to the calculation
                  of the one hundred and twenty (120) days following July 28,
                  1998, as provided for in paragraph 16 of the Lease. Tenant's
                  obligation to pay Rent under the Lease for the Phase II Space
                  shall not commence until the Phase II Commencement Date as
                  defined above. To the extent the Phase II Commencement Date
                  may be delayed beyond July 29, 1998, as a result of Tenant
                  Delay, Tenant's obligation to pay Rent under the Lease for the
                  Phase II Space shall not be deferred and the number of days
                  constituting Tenant Delay minus the number of days
                  constituting Landlord Delay shall be added to the calculation
                  of the one hundred and twenty (120) days following July 28,
                  1998, as provided for in paragraph 16 of the Lease.

         (b)      Landlord agrees to deliver the certificate of Substantial
                  Completion within one hundred and twenty (120) days following
                  July 28, 1998, pursuant to paragraph 16 of the Lease unless
                  otherwise delayed by reason of strikes, lockouts or other
                  labor disputes (whether or not with employees of Landlord's
                  contractor or any subcontractor and regardless of whether the
                  dispute could be settled by acceding to the demands of any
                  labor group), acts of God, inability to obtain sufficient
                  labor or materials or reasonable substitutes therefor,
                  governmental control or compliance with applicable
                  governmental laws, rules or regulations, enemy or hostile
                  governmental action, civil commotion, fire, floods, stormy or
                  inclement weather or other conditions or causes beyond the
                  reasonable control of Landlord ("hereinafter referred to as
                  Events of Force Majeure").

6- EXHIBIT "C"

<PAGE>   57

         (c)      When the Landlord considers the Leasehold Improvements to be
                  approaching Substantial Completion as defined in Sections
                  5(a) and l(p) hereof, the Landlord shall notify the Tenant,
                  and on the basis of an inspection, Landlord's architect shall
                  determine if the Leasehold Improvements are substantially
                  complete as defined in Sections 5(a) and 1(p) hereof.
                  Landlord's architect will then prepare a Certificate of
                  Substantial Completion, which shall establish the date of
                  Substantial Completion, and shall have the punch list items
                  agreed to by Tenant and Landlord listed therein. The
                  inspection, compilation of the punch list and issuance of the
                  certificate of Substantial Completion shall be conducted
                  within two (2) business days after Landlord's notification.
                  Warranties required by this Work Agreement shall commence on
                  the date of Substantial Completion of the Leasehold
                  Improvements. The certificate of Substantial Completion shall
                  be submitted to the Tenant, the Landlord and the General
                  Contractor for their written acceptance of the
                  responsibilities assigned to them in such certificate. Tenant
                  shall have three (3) business days from receipt of said
                  certificate to approve and return same to Landlord. Tenant
                  shall not take possession of the Leased Premises until Tenant
                  has accepted the certificate of Substantial Completion.
                  Landlord shall use all reasonable efforts to complete the
                  items on the punch list within thirty (30) days of receipt
                  from Tenant.

         (d)      Notwithstanding the above, possession of the Leased Premises
                  by Tenant shall constitute a waiver of all claims by the
                  Tenant except those arising from (1) latent defects, (2)
                  failure of the Leasehold Improvements to comply with the
                  Construction Drawings, which failure could not reasonably have
                  been discovered upon the date the certificate of Substantial
                  Completion was issued, and (3) Landlord's failure to complete
                  in due course the incomplete items, if any, described in the
                  certificate of Substantial Completion (including the punch
                  list items). Landlord shall be responsible for (1) and (2)
                  only for a period of one year from and after the certificate
                  of Substantial Completion is issued. Landlord shall exercise
                  due diligence in completing any item in (3) of this Section
                  5(e) and shall use its good faith efforts to minimize any
                  disturbance to Tenant's operations in the Leased Premises.
                  Additionally, Landlord shall provide Tenant with any equipment
                  warranties obtained in connection with the purchase of
                  equipment which is incorporated into Tenant's Leasehold
                  Improvements. THE FOREGOING CONSTITUTES LANDLORD'S ONLY
                  WARRANTY. ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO
                  THOSE OF MERCHANTABILITY, HABITABILITY, SUITABILITY AND
                  FITNESS FOR A PARTICULAR PURPOSE, ARE EXPRESSLY NEGATED AND
                  WAIVED.

         (e)      Any entry upon the Leased Premises by Tenant or its employees,
                  agents, guests, invitees, or contractors during the
                  performance of or in connection with this Work Agreement shall
                  be subject to Tenant's release, waiver and indemnification of

7- EXHIBIT "C"

<PAGE>   58

                  Landlord set forth in paragraph 6A. and 6B. of the Lease, and
                  the aforesaid paragraph 6A. and 6B. is incorporated herein by
                  reference.

         Landlord and Tenant have executed this Work Agreement contemporaneously
with execution of the Lease.

LANDLORD:                PROPERTY COLORADO OBJLW ONE CORPORATION,
                         AN OREGON CORPORATION

                         By:  Clarion Partners, LLC,
                              a New York limited liability company
                              Its Authorized Agent

                              By:  Clarion Partners, Inc.,
                                   a New York corporation
                                   Its Managing Member

                                   By:
                                      ------------------------------------------
                                      Bruce G. Morrison
                                      Its Senior Vice President
                                      [ILLEGIBLE INITIALS]

TENANT:                  USA GLOBAL LINK, INC.
                         a Delaware corporation

                         By:         [ILLEGIBLE]
                            -----------------------------------------
                             Name:   [ILLEGIBLE]
                                  -----------------------------------
                             Title:  Secretary
                                   ----------------------------------

8- EXHIBIT "C"

<PAGE>   59

                                  EXHIBIT "C-1"

                           FINAL CONSTRUCTION DRAWINGS

      (See plan to be attached hereto and incorporated herein by reference)

1 - EXHIBIT "C-1"

<PAGE>   60

                                   EXHIBIT "D"

                               JANITORIAL SERVICES

OFFICES:                           o        Empty all waste receptacles.

                                   o        Empty and damp-wipe ashtrays.

                                   o        Dust all horizontal surfaces.
                                            Dust high and low areas
                                            (pictures, clocks, partition
                                            tops, etc.).

                                   o        Vacuum all obvious dirt and
                                            dust. Remove all visible soil.
                                            Vacuum corners, edges, and
                                            chairs and spot-vacuum all
                                            carpet areas.

                                   o        Collect and remove all trash
                                            from building.

LOBBY:                             o        Dust mop all hard surface
                                            floors.

                                   o        Mop all stains and spills,
                                            especially coffee and drip
                                            spills.

                                   o        Spot-clean all walls, light
                                            switches, and doors.

                                   o        Empty and damp-wipe ashtrays.

                                   o        Buff all tile areas.

CORRIDORS:                         o        Spot-clean all walls, light
                                            switches, and doors.

                                   o        Clean and polish all drinking
                                            fountains.

                                   o        Empty and damp-wipe ashtrays.

                                   o        Vacuum all carpets.

                                   o        Spot-clean carpeted areas.

RESTROOMS:                         o        Clean and sanitize all restroom
                                            units including toilets,
                                            urinals, and sinks; damp-wipe
                                            mirrors, polish chrome, wipe
                                            counters and dispensers, and
                                            empty trash.

GLASS:                             o        Clean both sides of all
                                            interior glass.

ELEVATOR
CARPET:                            o        Clean and vacuum carpeted
                                            elevators.

STAIRS, CARPET:                    o        Police stairs for litter.

                                   o        Vacuum and clean stairs.

1 - EXHIBIT "D"

<PAGE>   61

                                   EXHIBIT "E"

                        LEASE COMMENCEMENT DATE STATEMENT

Date:                             , 19
     -----------------------------    -----

Clarion Realty Services, LLC
6400 S. Fiddler's Green Circle, Suite 180A
Englewood, Colorado 80111
Attn:    General Manager

         This letter is being delivered to Clarion Partners, LLC in accordance
with paragraph 16 of that certain lease (the "Lease") dated ________________,
1998, between Property Colorado OBJLW One Corporation, by its agent, Clarion
Partners, LLC and the undersigned.

         We hereby acknowledge that the Lease Commencement Date (as defined in
the Lease) is, the date of expiration of the Lease Term (as defined in the
Lease) is ____________, 19 ___ and Tenant's Total Square Footage is
_________________ rentable square feet.

Very truly yours.

Tenant

1- EXHIBIT "E"

<PAGE>   62

                                   EXHIBIT "F"

                              RULES AND REGULATIONS

1.       The sidewalks, entrances, halls, corridors, elevators and stairways of
         the Building shall not be obstructed or used as a waiting or lounging
         place by Tenant, or its agents, servants, employees, invitees,
         licensees, and visitors.

2.       Landlord reserves the right to refuse admittance to the Building at any
         time other than between the hours of 6:00 a.m. and 6:00 p.m. weekdays,
         or 7:00 a.m. to 1:00 p.m. on Saturdays, to any person not producing
         either a key to the Leased Premises or a pass issued by Landlord. In
         case of invasion, riot, public excitement or other commotion, Landlord
         also reserves the right to prevent access to the Building during the
         continuance of same. Landlord shall in no case be liable for damages
         for the admission or exclusion of any person to or from the Building.

3.       Landlord will furnish each Tenant with two keys to each door lock in
         the Leased Premises, and Landlord may make a reasonable charge for any
         additional keys requested by Tenant. No Tenant shall have any keys made
         for the Leased Premises; nor shall any Tenant alter any lock, or
         install new or additional locks or bolts, on any door without the prior
         written approval of Landlord. If a lock alteration or installation is
         made, the new lock must accept the master key for the Building. Each
         Tenant, upon the expiration or termination of its tenancy, shall
         deliver to Landlord all keys in such Tenant's possession for all locks
         and bolts in the Building.

4.       In order that the Building may be kept in a state of cleanliness, each
         Tenant shall, during the term of its Lease, permit Landlord's employees
         (or Landlord's agent's employees) to take care of and clean the Leased
         Premises, and Tenant shall not employ any person(s) other than
         Landlord's employees (or Landlord's agent's employees) for such
         purpose. No tenant shall cause any unnecessary labor by reason of such
         Tenant's carelessness or indifference in the preservation of good order
         and cleanliness of the Leased Premises. Tenant will ensure that before
         leaving the Leased Premises each day:

               (a)      the doors are securely locked; and

               (b)      all water faucets and other utilities are shut off (so
                        as to prevent waste or damage).

         If Tenant must dispose of crates, boxes, etc., which will not fit into
         office waste paper baskets, it will be the responsibility of Tenant to
         dispose of same by removing them from the building or by placing them
         in designated waste collection receptacles at the delivery dock. In no
         event shall Tenant place such items for disposal in the public hallways
         or other common areas of the Building or Improved Area.

1- EXHIBIT "F"

<PAGE>   63

5.       Landlord reserves the right to prescribe the date, time, method and
         conditions that any personal property, equipment, trade fixtures,
         merchandise and other similar items shall be delivered to or removed
         from the Building. NO steel safe or other heavy or bulky object shall
         be delivered to or removed from the Building except by experienced safe
         men, movers, or riggers approved in writing by Landlord. All damage
         done to the Building by the delivery or removal of such items, or by
         reason of their presence in the Building, shall be paid by Tenant to
         Landlord, immediately upon demand therefor. For the delivery or receipt
         of merchandise, only hand-trucks equipped with rubber tires shall be
         used by Tenant, jobbers or others.

6.       The walls, partitions, skylights, windows, doors, and transoms that
         reflect or admit light into passageways or into any other part of the
         Building shall not be covered or obstructed nor have signs or
         advertisements posted on them by any Tenant.

7.       The toilet rooms, toilets, urinals, wash bowls and water apparatus
         shall not be used for any purpose other than for those for which they
         were constructed or installed, and no sweepings, rubbish, chemicals, or
         other unsuitable substances shall be thrown or placed therein. The
         expense of any breakage, stoppage or damage resulting from violations
         of this rule by Tenant or by Tenant's agents, servants, employees,
         invitees, licensees, or visitors, shall be borne by Tenant.

8.       No sign, name, placard, advertisement, or notice visible from the
         exterior of any Leased Premises shall be inscribed, painted or affixed
         by any Tenant on any window or other part of the Building or Improved
         Area without the prior written approval of Landlord. A directory
         containing the names of all tenants of the Building shall be provided
         by landlord at an appropriate place on the first floor of the Building.

9.       No electronic signaling, telegraphic, or telephonic instruments or
         devices, or other wires, instruments or devices, shall be installed in
         connection with any Leased Premises without the prior written approval
         of Landlord, which approval shall not be unreasonably withheld. Such
         installations, and the boring or cutting of wires, shall be made at the
         sole cost and expense of Tenant and under the control and direction of
         Landlord. Landlord retains, in all cases, the right to require:

                  (a)      the installation and use of such electrical
                           protecting devices that prevent the transmission of
                           excessive currents of electricity into or through the
                           Building;

                  (b)      the changing of wires and of their installation and
                           arrangement underground or otherwise as Landlord may
                           direct; and

                  (c)      compliance on the part of all using or seeking access
                           to such wires with such rules as Landlord may
                           establish relating thereto. All such wires used

2- EXHIBIT "F"

<PAGE>   64

                           by Tenant must be clearly tagged at the distribution
                           boards and junction boxes and elsewhere in the
                           Building, with (x) the number of the Leased Premises
                           to which said wires lead, (y) the purpose for which
                           said wires are used, and (z) the name of the company
                           operating same.

10. Tenant, its agents, servants, and employees shall not:

                  (a)      go upon the roof of the Building;

                  (b)      use any additional method not approved in writing by
                           the Landlord of heating or air conditioning the
                           Leased Premises;

                  (c)      sweep or throw any dirt or other substance from the
                           Leased Premises into any of the halls, corridors,
                           elevators, or stairways of the Building, or onto any
                           part of the Improved Area;

                  (d)      bring in or keep in or about the Leased Premises any
                           vehicles or animals of any kind, except seeing-eye
                           dogs for the legally blind;

                  (d)      install any radio or television antenna or any other
                           device or item on the roof, exterior walls, windows,
                           or window sills of the Building or anywhere in the
                           Improved Area;

                  (f)      place objects against glass partitions, doors, or
                           windows which would be unsightly from the interior or
                           exterior of the Building;

                  (g)      place pictures, plants, or any other items on window
                           sills which would interfere with closing of window
                           blinds by the janitors at night;

                  (h)      use any portion of the Leased Premises: (i) for
                           lodging or sleeping, (ii) for cooking (except that
                           the use by any Tenant of Underwriter's
                           Laboratory-approved equipment for brewing coffee, tea
                           and similar beverages or the use by Tenant of a
                           similarly-approved microwave oven shall be permitted,
                           provided that such use is in compliance with law), or
                           (iii) for any purpose other than the Permitted
                           Purpose provided for in the Lease; or

                  (i)      permit the operation of any musical or other
                           sound-producing instruments or devices which may be
                           heard outside the Tenant's Leased Premises, or which
                           may emit signals which will impair radio or
                           television broadcast or reception from or into the
                           Building.

11.      Tenant shall not store, carry into, or use within Plaza Tower One or in
         any Leased Premises or permit others to do so:

3- EXHIBIT "F"

<PAGE>   65

         (a)      any ether, naphtha, phosphorous, benzol, gasoline, benzine,
                  petroleum, crude or refined earth or coal oils, kerosene or
                  camphene;

         (b)      any other flammable, combustible, explosive or illuminating
                  fluid, gas or material of any kind; or

         (c)      any other fluid, gas or material of any kind having an
                  offensive odor; or

         (d)      any firearm (loaded or unloaded) or any other weapon or
                  ammunition for a weapon.

12.      No canvassing, soliciting, distribution of handbills or other written
         material, or peddling shall be permitted in the Building or the
         Improved Area, and Tenant shall cooperate with Landlord in prevention
         and elimination of same.

13.      Tenant shall give Landlord prompt notice of all accidents to, or
         defects in, air conditioning equipment, plumbing, electrical
         facilities, or any part or appurtenances of the Leased Premises.

14.      The Improved Area outside the Building may be used for the enjoyment of
         Tenant, its agents, servants, and employees without restriction so long
         as such parties conduct themselves in a manner so as not to disturb
         others or disturb, destroy, or litter the Improved Area. All parties
         using the Improved Area shall comply with all applicable governmental
         laws, ordinances, rules and regulations and all rules and regulations
         of Arapahoe County.

15.      Tenant personnel and their guests shall observe `No Smoking' signs
         where posted in Plaza Tower One and refrain from smoking in the Leased
         Premises, elevator lobbies, elevators, public corridors, building
         stairwells and restrooms. Smoking is permitted only on the terrace area
         outside the east end of Level Two.

4- EXHIBIT "F"

<PAGE>   66

                                   EXHIBIT "G"

                     ATTORNMENT AND NONDISTURBANCE AGREEMENT

         THIS AGREEMENT, made as of ______________ between________________
hereinafter referred to as "Interest Holder" and USA Global Link, Inc.,
hereinafter referred to as "Tenant".

                             W I T N E S S E T H:

         THAT, WHEREAS, PROPERTY COLORADO OBJLW ONE CORPORATION, an Oregon
corporation, hereinafter referred to as "Landlord", has by Lease executed on
___________ leased to Tenant for a term of years, commencing on _____________,
and ending on ________________________ or upon such postponed date as shall be
designated by written endorsement to the Lease, certain portions of the
building located in the County of Arapahoe, State of Colorado, such portions
being hereinafter called the "Leased Premises", and the building more
particularly described as follows:

         WHEREAS, Interest Holder is the holder of a lien or other interest in
the form of a _______________________ and recorded at ______________________ and
any amendments, supplements or extensions thereto, hereinafter referred to as
the "Encumbrance"; and

         WHEREAS, the encumbered premises under the foregoing Encumbrance are
the same premises as, or include the Leased Premises set forth in, the legal
description above;

         NOW, THEREFORE, in consideration of the mutual covenants hereinafter
contained, the parties hereto agree as follows:

         1.       Tenant agrees that in the event of any foreclosure or the
                  exercising of any other rights under the Encumbrance, whereby
                  Interest Holder shall cause Landlord to be ousted from
                  possession or assert any right of ownership inconsistent with
                  Tenant's right under the Lease, at any time and from time to
                  time after commencement of the term of the Lease and prior to
                  the expiration, cancellation or other termination thereof, for
                  any reason, Tenant shall be bound to Interest Holder, the
                  purchaser at a foreclosure sale, any receiver appointed under
                  the Encumbrance, assignment of rents, or court order, or any
                  assignee or successor in interest (all of which are
                  hereinafter referred to as "Transferee") under all of the
                  terms, covenants, and conditions of the Lease during the
                  remaining term thereof, including any extensions or renewals
                  which may be effected in accordance with any option in the
                  Lease, with the same force and effect as if Transferee were
                  Landlord under the Lease, and Tenant does hereby attorn to
                  Transferee as its Landlord.

1- EXHIBIT "G"

<PAGE>   67

         2.       The parties hereto do hereby covenant and agree that the Lease
                  and any modifications and amendments thereto subsequently
                  approved by Interest Holder, and all rights, options, liens or
                  other charges created thereby, are, and shall continue to be,
                  subject and subordinate in all respects to the Encumbrance and
                  the lien created thereby, to any advance made thereunder, to
                  any consolidations, extensions, modifications, or renewals
                  thereof, and to any other mortgage on the Leased Premises held
                  by Interest Holder.

         3.       So long as no default exists and no event has occurred which
                  would entitle Landlord to terminate the Lease, Interest Holder
                  agrees that in the event of any foreclosure or the exercising
                  of any other rights under said Encumbrance whereby any such
                  Transferee shall oust Landlord of possession or assert any
                  right of ownership which would, in the absence of this
                  Agreement, be inconsistent with Tenant's rights under the
                  Lease and prior to the expiration or termination thereof, the
                  Lease shall, in accordance with its terms, remain in full
                  force and effect as a direct Lease between Transferee and
                  Tenant and the possession of Tenant under the Lease shall not
                  be disturbed by any such event. The Transferee shall be
                  entitled to all of the rights and benefits and subject to all
                  of the obligations of the immediately prior landlord under the
                  Lease. If successive rights should be asserted by any or
                  several Transferees separately or in any combination, Tenant
                  shall have the same rights to continue the Lease in effect in
                  each such instance.

         4.       In order to effect the provisions of the preceding paragraphs,
                  Interest Holder does hereby grant and demise to Tenant the
                  Leased Premises for a term of years to commence upon the
                  exercise of any right described in the preceding paragraphs.

                  Such term of years shall be upon the terms and conditions of
                  the Lease as though the Lease were between Transferee and
                  Tenant.

         5.       The provisions of the preceding paragraphs are to be effective
                  and self operating without the execution of any further
                  instruments upon Transferee's succeeding to the interest of
                  Landlord under the Lease.

         6.       This Agreement shall inure to the benefit of and be binding
                  upon Tenant, Interest Holder, Transferee, their successors and
                  assigns.

         7.       The effective date of this Agreement is_____________ , and the
                  covenants and conditions hereof shall apply from and after
                  said date.

         8.       This Agreement shall remain in full force and effect and shall
                  pertain to said Lease now or as hereafter amended or extended.

2- EXHIBIT "G"

<PAGE>   68

         9.       Neither Interest Holder nor Transferee shall in any way or to
                  any extent (i) be obligated or liable to Tenant for any prior
                  act, omission or default on the part of Landlord under the
                  Lease, or (ii) be obligated or liable to Tenant for any
                  security deposit or other sums deposited with Landlord not
                  physically delivered to Interest Holder or Transferee, or
                  (iii) be bound by any previous prepayment of rent for a period
                  greater than one month, unless such modification, amendment
                  or prepayment shall have been expressly authorized in writing
                  by Interest Holder, and Tenant shall have no right to set off
                  assets or counterclaim against Interest Holder or the
                  Transferee for any of the acts or omissions of Landlord
                  referred to in (i), (ii), or (iii) above.

         10.      In the event of any act or omission by Landlord under the
                  Lease which would give Tenant the right to terminate the Lease
                  or claim a partial or total eviction, Tenant shall not
                  exercise any such right until (i) it has given notice thereof
                  to Interest Holder, and (ii) Interest Holder, following the
                  giving of such notice, shall have failed to commence or pursue
                  action to remedy such act or omission in the manner set forth
                  in the Lease.

         11.      All notices hereunder shall be given in the manner prescribed
                  in the Lease.

                  TENANT:               USA GLOBAL LINK, INC.

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

                  INTEREST HOLDER:
                                        ----------------------------------------

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

3 - EXHIBIT "G"

<PAGE>   69

                                   EXHIBIT "H"

                              ESTOPPEL CERTIFICATE

         The undersigned, a duly authorized ___________________________ of
__________________________, hereby certifies unto _____________________________
as follows:

         (1) _____________________________________________ is the Tenant
("Tenant") and ______________________________ is the Landlord ("Landlord") under
that certain Lease Agreement ("Lease") dated __________________________,
relative to ____________________ (___________________) square feet of space in
the Plaza Tower One building located at 6400 S. Fiddler's Green Circle,
Englewood, Arapahoe County, Colorado, and the following improvements:

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

         (2) Attached hereto as Exhibit "A" is a complete and accurate copy of
the Lease and, except as set forth in such exhibit, there are no other
amendments thereto or agreements relating to the subject matter thereof.

         (3) The Lease is in full force and effect and Landlord is not in
default thereunder, except as may be indicated on any attached addendum. Tenant
has received no notice from Landlord that Tenant is in default under the Lease
and Tenant has no present knowledge of any facts which would give rise to or
constitute a breach or default by either party thereunder.

         (4) There is no claim of offset or other claim presently existing in
favor of Tenant against Landlord arising out of or relating to the Lease, except
as may be indicated on the attached addendum.

         (5) The Lease is for a term of ___________________, having commenced on
____________________, with the present term expiring on______________________,
subject to renewal options as therein provided.

         (6) Rent under the Lease has been paid through ______________________,
subject to adjustment as therein provided.

         (7) Tenant or Landlord has performed all tenant finish work with regard
to the Leased Premises thereby leased and Tenant has accepted possession and is
in occupancy of such Leased Premises.

1- EXHIBIT "H"

<PAGE>   70

         (8) Tenant has no option or right of first refusal to purchase the
Leased Premises.

         The undersigned understands that this Certificate may be relied upon by
the addressee who may be a purchaser of the Leased Premises. -

         Dated at __________________________________, ________________, _______

TENANT:                    USA GLOBAL LINK, INC.

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

2- EXHIBIT "H"

<PAGE>   71

                                   EXHIBIT "I"

                             GREENWOOD PLAZA SOUTH

                                 [See attached.]

<PAGE>   72

                                   EXHIBIT I

                                     [MAP]

                       GREENWOOD PLAZA SOUTH FILING NO. 1

                        A RESUBDIVISION OF A PORTION OF
                  "A SUBDIVISION OF SECTION 21, T-5-5, R-67-W
                           ARAPAHOE COUNTY, COLORADO
                                  Sheet 2 of 2

<PAGE>   73

                              PLAZA TOWER ONE ANNEX

                      TEMPORARY OCCUPANCY LICENSE AGREEMENT

         THIS LICENSE AGREEMENT ("Agreement"), executed as of this 6th day of
February, 1998, by and between PROPERTY COLORADO OBJLW ONE CORPORATION, by its
agent CLARION PARTNERS LLC, hereinafter referred to as "Licensor," and USA
GLOBAL LINK, INC., a Delaware corporation, hereinafter referred to as
"Licensee."

                                    RECITALS

         Licensor is the owner of certain real property located in the County of
Arapahoe, state of Colorado, commonly known as Greenwood Plaza South
(hereinafter referred to as the "Office Center"). Licensee desires to
temporarily use approximately 8,448 rentable square feet of space in the Annex
Building of the Office Center for the purpose of general office use.

                                    AGREEMENT

         In consideration of the foregoing recitals, which are incorporated
herein, and the following mutual covenants, the parties agree as follows.

         A. LICENSED SPACE. Licensor hereby licenses to Licensee certain office
space of approximately 8,448 rentable square feet located in the Annex Building,
hereinafter referred to as "Licensed Space," in the Office Center as shown in
Exhibit "A" attached hereto. Licensed Space is accepted in "as is" condition.
Any changes or improvements to the space by Licensee must be approved in advance
in writing by the Licensor. All changes and improvements shall be paid for by
Licensee.

         B. LICENSE FEE. As consideration for use of the Licensed Space,
Licensee shall pay Licensor in advance the sum of Two Thousand Eight Hundred and
Five and 40/100 Dollars ($2,805.40) (hereinafter "License Fee") for each month
Licensee occupies the Licensed Space. The License Fee for any partial month
shall be prorated based on the number of days the Licensee occupies the Licensed
Space during said month. Licensee shall mail all License Fee payments to
Licensor at the following address:

                      c/o Property Colorado OBJLW One Corporation
                      P.O. Box 5037, Unit #78
                      Portland, Oregon 97208

1 - LICENSE AGREEMENT

<PAGE>   74

         C. TERM. The term of this Agreement begins on February 9th, 1998, and
shall continue until terminated by either party upon providing five (5) days'
written notice, unless sooner terminated as provided herein.

         D. USE OF LICENSED SPACE. Licensee shall operate under the trade name
of "USA GLOBAL LINK." The Licensed Space shall be used for office purposes only
and for no other use without written approval by Licensor. Licensee agrees it
will not use or suffer or permit any person or persons to use the Licensed Space
or any part thereof for any purpose in violation of the laws of the United
States of America, the State of Colorado, County of Arapahoe, or other lawful
authorities, and that during said term the Licensed Space and every part thereof
shall be kept by Licensee in a clean and wholesome condition, free of any
objectionable noise, odors and nuisances, and that all health and police
regulations shall be, in all respects and at all times, fully complied with by
the Licensee. In addition, Licensee agrees to abide by all rules and regulations
established by Licensor from time to time, with respect to the Office Center
and/or the Licensed Space.

                  Only approved fixtures and signage may be used in the set up,
display and day to day operation of the Licensed Space. Licensee shall be
permitted to install, at it sole cost, wall mounted standard building signage
adjacent to the door of the Licensed Space. Licensor shall include Licensee in
the Office Center's directory at Licensee's sole cost. No advertising placards,
banners, pennants, names, insignia, trademarks or other non-conforming signs
will be permitted to be affixed to or maintained on the glass panes, supports of
the show windows and doors or upon the exterior walls of the storefront. No
handwritten signs, flashing signs or audible signs are permitted. All signage
(interior and exterior) are subject to approval of the Licensor.

                  Should Licensee violate any term, provision or condition of
this Agreement, Licensor may terminate this Agreement upon providing written
notice of such violation, provided, however, that Licensee shall have five (5)
days after notice is given to cure any such violation.

         E. INDEMNITY/INSURANCE. Licensee shall indemnify, defend and hold
Licensor, its asset manager, its property manager, its agents, servants,
employees, and successors or assigns thereof, harmless against any and all
claims, demands, liabilities, judgments, awards, fines, mechanics liens or other
liens, loss, damages, expenses, charges or costs of any kind or character
(including reasonable attorney fees and court costs) arising from the
construction, repair, use, occupancy or enjoyment of the Licensed Space by
Licensee, its respective contractors, agents employees or invitees (hereinafter
"Claims"); provided, however, Licensee shall have no obligation to defend
Licensor against Claims arising from Licensor's gross negligence or indemnify
Licensor from Claims to the extent caused by the negligence of Licensor. In case
of any action or proceeding brought against Licensor, its agents, servants or
employers, successors and assigns, by reason of any such Claim, upon notice of
Licensor, Licensee covenants to defend such action or proceeding by counsel
reasonably satisfactory to Licensor.

2 - LICENSE AGREEMENT

<PAGE>   75

                  Licensee shall procure and maintain throughout the term of
this Agreement and at its sole expense, the following insurance:

                  (1) Commercial general liability insurance (Bodily Injury and
Property Damage) on an occurrence form with a limit of liability not less than
One Million and no/100 Dollars ($1,000,000) per occurrence including
premises-operations and products/completed operations hazards and with the
following supplementary coverages: (a) contractual liability to cover liability
assumed under this Lease; (b) personal injury liability with the "employee" and
"contractual" exclusions deleted; and (c) broad form property damage liability;
and (ii) umbrella excess liability insurance, in addition to and in excess of
the foregoing insurance policies, in an amount not less than Three Million and
no/100 Dollars ($3,000,000) per occurrence; and

                  (2) Worker's compensation insurance as required by law.

                  Each liability insurance policy described above shall name
Licensor, Licensor's agent and advisor, Licensor's property manager, and
expressly including any trustees, directors, officers, employees, or agents of
any such entities, all as additional insureds.

         F. SECURITY DEPOSIT. Upon execution of this Agreement, Licensee shall
pay Licensor the sum of Four Thousand Five Hundred Dollars ($4,500.00). Such sum
shall be held by Licensor without interest as security for the performance by
Licensee of Licensee's covenants and obligations under this Agreement, it being
expressly understood that such deposit is not an advance payment of rental or a
measure of Licensor's damages in case of default by Licensee. Said deposit shall
be held by Licensor without payment of interest, as security for the faithful
performance by Licensee of all of the terms, covenants, and conditions of this
Agreement by said Licensee to be kept and performed during the term hereof. In
the event of the failure of Licensee to keep and perform any of the terms,
covenants, and conditions of this Agreement to be kept and performed by
Licensee, then the Licensor at its option may appropriate and apply the security
deposit, or so much thereof as may be necessary, to compensate the Licensor for
loss or damage sustained or suffered by Licensor due to such breach on the part
of Licensee. Should Licensee comply with all of the terms, covenants, and
conditions of this Agreement, the security deposit shall be returned in full to
Licensee within forty-five (45) days of Licensee vacating the Licensed Space;
provided, however, that Licensor shall be entitled to deduct from the security
deposit an amount sufficient to cover the cost of any required clean up of the
Licensed Space (beyond ordinary wear and tear), any unpaid costs of design and
construction of improvements to the Licensed Space undertaken by Licensor
pursuant to the terms of the letter agreement between the parties dated January
29, 1998 and any License Fee owed but not paid by Licensee.

         G. TAXES, FEES, AND UTILITIES. Any and all taxes, fees, and
assessments, including but not limited to license fees, fees for permits,
profits, sales or use taxes,

3 - LICENSE AGREEMENT

<PAGE>   76

personal property taxes, or any other taxes which may be levied or assessed on
the assets, business, or capital of Licensee or Licensee's income therefrom, by
duly constituted government authority, shall be borne and paid for by Licensee.

         H.  ASSIGNMENT. It is expressly agreed that Licensee shall have no
right to assign, franchise or sublet its rights nor delegate its duties under
this Agreement. Any violation of this provision shall automatically terminate
this Agreement.

         I. NOTICES. Notices or demands required to be given or served by either
party to this Agreement to the other party, shall be deemed to have been duly
given or served only if in writing and when received by either personal
delivery, overnight courier or facsimile transmission and addressed as follows:

TO LICENSOR:                       Property Colorado OBJLW One corporation
                                   c/o Clarion Partners LLC
                                   335 Madison Avenue, 7th Floor
                                   New York, New York 10017
                                   Attn:   Account Manager

WITH A COPY TO:                    Property Colorado OBJLW One corporation
                                   c/o Clarion Realty Services, LLC
                                   6400 S. Fiddler's Green Circle, Suite 180A
                                   Englewood, Colorado 80111
                                   Attn:   General Manager

TO LICENSEE:                       USA Global Link
                                   50 North Third Street
                                   Fairfield, IA 52556
                                   Attn:   Legal Department

WITH A COPY TO:                    Gary Hamm
                                   USA Global Link
                                   6400 S. Fiddler's Green Circle, Suite 160A
                                   Englewood, Colorado 80111

                                   McDermott, Will & Emery
                                   227 West Monroe Street
                                   Chicago, Illinois 60606-5096
                                   Attn:   Daniel J. Hartnett

         J. ENTIRE UNDERSTANDING OF THE PARTIES. The making, execution and
delivery of this Agreement by Licensee has been induced by no representation
other than those herein expressed. This Agreement embodies the entire
understanding of the parties and there are no further or other agreements,
written or oral, in effect between the parties relating to the subject matter
hereof. This instrument may be

4 - LICENSE AGREEMENT

<PAGE>   77

amended or modified only by an instrument of equal formality signed by the
respective parties.

         K. GOVERNING LAW. ENTIRETY OF AGREEMENT AND PARTIAL INVALIDITY. This
Agreement shall be governed by the laws of the state of Colorado. If any
provision in this Agreement is held by any court to be invalid, void or
unenforceable, the remaining provisions shall nevertheless continue in full
force and effect.

         L. WAIVER. Waiver by Licensor of any breach of any term, covenant, or
condition herein contained shall not be deemed a waiver of any subsequent breach
of the same or any other term, covenant, or condition herein contained.

         M. ATTORNEYS' FEES. If any action at law or in equity is necessary to
enforce or interpret the terms of this Agreement, the prevailing party shall be
entitled to reasonable attorneys' fees, costs and necessary disbursements at
trial or on appeal or discretionary review, in each case as adjusted by the
trial or appellate court, in addition to any other relief to which such party
may be entitled.

         N. NO PARTNERSHIP INTEREST OR ESTATE. It is understood and agreed that
nothing herein contained shall be considered as in any way constituting a
partnership between Licensor and Licensee, and that Licensee does not and shall
not claim, at any time, any interest or estate of any kind.

         O. PERMITS. Licensee shall obtain any and all permits, licenses, and
authorizations which may be required by any and all governmental authorities
with respect to the use and occupancy of the Licensed Space. All installations
and equipment used by Licensee shall be maintained and installed in strict
conformity with the requirements of the board of Fire Underwriters, as well as
local, state and federal laws, rules, and regulations.

         P. CORPORATION. In the event Licensee shall be a corporation, the party
executing this Agreement on behalf of Licensee hereby covenants and warrants
that Licensee is a duly qualified corporation and all steps have been taken
prior to the date hereof to qualify Licensee to do business in the state of
Colorado; corporate taxes have been paid to date; and all future forms, reports,
fees, and other documents or payments necessary to comply with applicable laws
will be filed or paid when due and that he is authorized to enter into this
Agreement on behalf of Licensee.

         Q. CONDITION OF LICENSED SPACE. Licensee accepts the Licensed Space in
an "as is" condition as of the date hereof. Licensor shall construct such
improvements to the Licensed Space as directed by Licensee provided the design
and construction of such improvements shall be at Licensee's sole cost and
expense. Upon vacating the Licensed Space, Licensee shall redeliver the Licensed
Space to Licensor in the same condition and state of repair as existed when
received. Licensee shall be responsible for removing all telephone wiring back
to the telephone closet and shall remove the

5 - LICENSE AGREEMENT

<PAGE>   78

plywood telephone backboard in the Licensed Space and repair and paint the wall
where the backboard was located to match the adjacent walls. All attached
improvements and original fixturing shall remain upon vacating the space.
Portable improvements supplied by Licensee may be removed. Any improvement must
be approved by the Licensor before installation.

         R. PARKING. No parking rights are granted to Licensee in connection
with this License Agreement.

         S. RULES AND REGULATIONS. Licensee and its employees are subject to all
rules and regulations of the Licensed Space and the Office Center.

         T. TIME OF ESSENCE. Time is of the essence with this Agreement and with
every term, covenant and condition herein.

         U. LICENSE EXECUTION. This Agreement may be executed in any number of
counterparts and each such counterpart shall be deemed to be an original
instrument.

         IN WITNESS WHEREOF, the parties hereto have entered into this Agreement
on the day and year first above written.

LICENSOR:                     PROPERTY COLORADO OBJLW ONE CORPORATION,
                              an Oregon corporation

                              By:    Clarion Partners LLC
                                     A New York limited liability company

                                     By:  Clarion Partners, Inc.
                                          A New York corporation
                                          Its Managing Member

                                     By: /s/ BRUCE G. MORRISON
                                         ---------------------------------------
                                         Bruce G. Morrison
                                         Its Senior Vice President

LICENSEE:                     USA GLOBAL LINK, INC.
                              a Delaware corporation

                              By: /s/ DANIEL J. HARTNETT
                                  ----------------------------------------------
                                  Daniel J. Hartnett
                                  Its: Secretary

6 - LICENSE AGREEMENT

<PAGE>   79

                                  EXHIBIT "A"

                           [FLOOR PLAN OF ANNEX SPACE]

                               [PLAZA TOWER ONE]

7 - LICENSE AGREEMENT<PAGE>   1
                            FIRST ADDENDUM TO LEASE

     THIS FIRST ADDENDUM TO LEASE (this "Addendum") is made by and between
Foster Enterprises ("Lessor"), and Xcare.net, Inc. ("Lessee"), to be a part of
that certain Lease of even date herewith between Lessor and Lessee (the
"Lease") concerning approximately 6,356 square feet of space, located at 100
Winchester Boulevard, Santa Clara, California (the "Project"), Suite 250 (the
"Premises"). All terms with initial capital letters used herein as defined
terms shall have the meanings ascribed to them in the Lease unless specifically
defined herein. The numbers of the paragraphs of this Addendum correspond to
those of the Lease form. In the event of any inconsistency between this
Addendum and the Lease, the terms of this Addendum shall prevail. Lessor and
Lessee agree that, notwithstanding anything to the contrary in the Lease, the
Lease is hereby modified and supplemented as set forth below.

     3.   Term. The Lease shall commence on the later of March 1, 2000 or the
date by which all of the following have occurred: (a) Lessor has substantially
completed the Lessee Improvements in accordance with the Lease and this
Addendum; (b) Lessor has delivered possession of the Premises to Lessee; and
(c) Lessor has obtained all approvals and permits from the appropriate
governmental authorities required for the legal occupancy of the Premises for
the permitted use. If the Commencement Date has not occurred for any reason
whatsoever on or before April 1, 2000, then, in addition to Lessee's other
rights or remedies, Lessee may terminate the Lease by written notice to Lessor,
whereupon any monies previously paid by Lessee to Lessor shall be reimbursed to
Lessee, or, at Lessee's election, the date Lessee is otherwise obliged to
commence payment of rent shall be delayed by one day for each day that the
Commencement Date is delayed beyond such date. Lessor shall deliver possession
of the Premises to Lessee in good, vacant, broom clean condition, with all
building systems in good working order and in compliance with all laws.
Lessee's acceptance of the Premises shall not be deemed a waiver of Lessee's
right to have defects in the Premises repaired at no cost to Lessee. Lessee
shall give notice to Lessor whenever any such defect becomes reasonably
apparent, and Lessor shall repair such defect as soon as practicable.

     Lessor represents and warrants to Lessee that, as of the Commencement
Date, the Premises is in compliance with municipal, state and federal statutes,
rules, regulations, ordinances, requirements and orders, now in force or which
may hereafter be in force pertaining to conditions existing prior to Lessee's
lease commencement, including without limitation, all applicable statutes,
rules, regulations, ordinances, requirements or orders requiring installation
of fire sprinkler systems, seismic reinforcement and related alterations,
removal of asbestos, and compliance with ADA, fire/safety and Title 24
requirements. Lessor warranties all building systems for the first thirty (30)
days of the term.

     6.   Operating Expenses. Lessee shall have no obligation to pay the cost
of any Real Property Taxes or Operating Expenses of a type not also included in
the 2000 actual Real Property Taxes or the 2000 actual Operating Expenses. If
the 2000 actual Real Property Taxes or the 2000 actual Operating Expenses are
not based on a 95% leased Project, then such amounts shall be increased to
reflect a 95% leased Project.

          a.   Operating Expenses. "Operating Expenses" shall not include and
Lessee shall in no event have any obligation to perform or to pay directly, or
to reimburse Lessor for, all or any portion of the following repairs,
maintenance, improvements, replacements, premiums, claims, losses, fees,
charges, costs and expenses (collectively, "Costs"): (a) Costs occasioned by
the act, omission or violation of any law by Lessor, any other occupant of the
Project, or their respective agents, employees or contractors; (b) Costs
occasioned by fire, acts of God, or other casualties or by the exercise of the
power of eminent domain; (c) Costs to correct any construction defect in the
Premises or the Project or to comply with any covenant, condition, restriction,
underwriter's requirement or law applicable to the Premises of the Project on
the Lease Commencement Date; (d) Costs of any renovation, improvement, painting
or redecorating of any portion of the Project not made available for Lessee's
use; (e) Costs incurred in connection with negotiations or disputes with any
other occupant of the Project and Costs arising from the violation by Lessor
or any other occupant of
<PAGE>   2
the Project of the terms and conditions of any lease or other agreement; (f)
insurance Costs for coverage not customarily paid by Lessees of similar
projects in the vicinity of the Premises, increases in insurance Costs caused
by the activities of another occupant of the Project, insurance deductibles,
and co-insurance payments; (g) Costs incurred in connection with the presence
of any Hazardous Material, except to the extent caused by the release or
emission of the Hazardous Material in question by Lessee; (h) expense reserves;
(i) Costs of structural repairs to the Building; and (j) Costs which could
properly be capitalized under generally accepted accounting principles, except
to the extent amortized over the useful life of the capital item in question.

          b.   Real Property Taxes. "Real Property Taxes" shall not include and
Lessee shall not be required to pay any portion of any tax or assessment
expense or any increase therein (a) levied on Lessor's rental income, unless
such tax or assessment is imposed in lieu of real property taxes; (b) in excess
of the amount which would be payable if such tax or assessment expense were
paid in installments over the longest permitted term; (c) imposed on land and
improvements other than the Project; or (d) resulting from a change of
ownership or transfer of any or all of the Project or the improvement of any of
the Project for the sole use of other occupants.

          c.   Audit Rights. Lessee may audit the books, records and supporting
documents of Lessor to the extent necessary to determine the accuracy of
Lessor's statement of Operating Expenses under Section 6 of the Lease and any
subsequent statement of Operating Expenses. Such audit, if any, will occur
within one hundred eighty (180) days after Lessee receives such statement.
Lessee shall bear the cost of such audit, unless such audit discloses that
Lessor has overstated the total cost by more than three percent (3%) of the
actual amount of such costs, and in which event Lessor shall pay the cost of
Lessee's audit. Lessor shall promptly refund any overcharges to Lessee.

     8.(a)  Compliance. Lessee shall not be required to comply with or cause
the Premises to comply with any laws, rules or regulations requiring the
construction of alterations unless such compliance is necessitated solely due
to Lessee's particular use of the Premises.

     8.(c)  Hazardous Materials. To the best knowledge of Lessor, (a) no
Hazardous Material is present on the Project or the soil, surface water or
groundwater thereof, (b) no underground storage tanks are present on the
Project, and (c) no action, proceeding or claim is pending or threatened
regarding the Project concerning any Hazardous Material or pursuant to any
environmental law. Under no circumstance shall Lessee be liable for, and Lessor
shall indemnify, defend, protect and hold harmless Lessee, its agents,
contractors, stockholders, directors, successors, representatives, and assigns
from and against, all losses, costs, claims, liabilities and damages (including
attorneys' and consultants' fees) of every type and nature, directly or
indirectly arising out of or in connection with any Hazardous Material present
at any time on or about the Project, or the soil, air, improvements,
groundwater or surface water thereof, or the violation of any laws, orders or
regulations, relating to any such Hazardous Material, except to the extent
that any of the foregoing actually results from the release or emission of
Hazardous Material by Lessee or its agents or employees in violation of
applicable environmental laws. "Hazardous Material" shall mean any material
which is now or hereafter regulated by any governmental authority which poses
a hazard to the environment or human health. This section and Section 8.(c) of
the Lease constitute the entire agreement of Lessor and Lessee regarding
Hazardous Materials. No other provision of the Lease shall be deemed to apply
thereto.

     11.  Surrender. Lessee's obligations with respect to the surrender of the
Premises shall be fulfilled if Lessee surrenders possession of the Premises in
the condition existing at the Lease Commencement Date, ordinary wear and tear,
acts of God, casualties, condemnation, Hazardous Materials (other than those
released or emitted by Lessee), and alterations or other interior improvements
which it is permitted to surrender at the termination of the Lease, excepted.

     13.  Alterations. Lessee may construct non-structural alterations,
additions and improvements ("Alterations") in the Premises without Lessor's
prior approval, if the cost of any such project does not

                                      -2-
<PAGE>   3
exceed Twenty-Five Thousand Dollars ($25,000). Alterations and Lessee's trade
fixtures, furniture, equipment and other personal property installed in the
Premises ("Lessee's Property") shall at all times be and remain Lessee's
property. Except for Alterations which cannot be removed without structural
injury to the Premises, at any time Lessee may remove Lessee's Property from
the Premises, provided that Lessee repairs all damage caused by such removal.
Lessor shall have no lien or other interest in any item of Lessee's Property.
Lessor shall have no right to require Lessee to remove any alterations unless
it notifies Lessee at the time it consents to such alteration that it shall
require such alteration to be removed.

     14. Repairs. Lessor shall perform and construct, and Lessee shall have no
responsibility to perform or construct, any repair, maintenance or improvements
(a) necessitated by the acts or omissions of Lessor or any other occupant of the
Building, or their respective agents, employees or contractors, (b) for which
Lessor has a right of reimbursement from others, (c) to the structural portions
of the Premises, (d) which could be treated as a "capital expenditure" under
generally accepted accounting principles, (e) to the heating, ventilation, air
conditioning, electrical, water, sewer, and plumbing systems serving the
Premises and the Building, and (f) to any portion of the Building outside of the
demising walls of the Premises. Notwithstanding the foregoing, Lessee shall pay
for its share of the repairs described in subsections (d)-(f) to the extent
such costs are properly included in Operating Expenses.

     17. Utilities and Services. If the Premises should become not reasonably
suitable for Lessee's use as a consequence of cessation of utilities or other
services, interference with access to the Premises, legal restrictions  or the
presence of any Hazardous Material which does not result from Lessee's release
or emission of such Hazardous Material, and in any of the foregoing cases the
interference with Lessee's use of the Premises persists for seven (7) days, then
Lessee shall be entitled to an equitable abatement of rent to the extent of the
interference with Lessee's use of the Premises occasioned thereby. If the
interference persists for more than ninety (90) days, Lessee shall have the
right to terminate the Lease.

     18. Indemnity. Lessor shall not be released or indemnified from, and shall
indemnify, defend, protect and hold harmless Lessee from, all losses, damages,
liabilities, claims, attorneys' fees, costs and expenses arising from the
negligence or willful misconduct of Lessor or its agents, contractors, licensees
or invitees, Lessor's violation of any law, order or regulation, or a breach of
Lessor's obligations or representations under the Lease.

     18.(d) Waiver of Subrogation. The parties hereto release each other and
their respective agents, employees, successors, assignees and subLessees from
all liability for injury to any person or damage to any property that is caused
by or results from a risk which is actually insured against, which is required
to be insured against under the Lease, or which would normally be covered by all
risk property insurance, without regard to the negligence or willful misconduct
of the entity so released. All of Lessor's and Lessee's repair and indemnity
obligations under the Lease shall be subject to the waiver contained in this
paragraph.

     19.(f) Lessor's Insurance. Lessor shall maintain insurance through
individual or blanket policies insuring the building providing "all risk"
coverage for the full replacement cost of the Building, with deductibles and the
form and endorsements of such coverage as selected by Landlord, together with
rental abatement insurance against loss of rent in an amount equal to the amount
of rent for a period of twelve (12) months commencing on the date of loss.
Lessor may also carry such other insurance as Lessor may deem prudent or
advisable, including, without limitation, liability insurance in such amounts
and on such terms as Lessor shall determine. Lessee shall pay to Lessor as a
portion of the Operating Expenses its pro-rata share of the "all risk" and
rental abatement insurance coverages described herein.

     20. Damage. Lessor shall not have the right to terminate the Lease if the
damage to the Building is (a) due to a risk required to be insured against under
Section 19 of the Lease or (b) relatively minor (e.g., repair or restoration
would cost less than ten percent (10%) of the replacement cost of the Building).

                                      -3-
<PAGE>   4
Whenever rent is to be abated under the Lease, all rent and any additional rent
shall be equitably abated based upon the extent to which Lessee's use of the
Premises is diminished.

       24.    Assignment and Subletting. Lessee may, without Lessor's prior
written consent, sublet the Premises or assign the Lease to (a) an entity
controlling, controlled by or under common control with Lessee, (b) a successor
entity related to Lessee by merger, consolidation, nonbankruptcy
reorganization, or government action, or (c) a purchaser of substantially all
of Lessee's assets located in the Premises. A sale or transfer of Lessee's
capital stock shall not be deemed an assignment, subletting or any other
transfer of the Lease or the Premises.

       25.    Subordination. Prior to the Commencement Date, Lessor shall
obtain from any lenders or ground lessors of the Premises a written agreement
in form reasonably satisfactory to Lessee providing for recognition of Lessee's
interests under the Lease in the event of a foreclosure of the lender's
security interest or termination of the ground lease. Further, as a condition
to Lessee's obligation to subordinate its leasehold interest to a ground lease
or instrument of security, Lessor shall obtain from any such ground lessors or
lenders such a recognition agreement.

       38.    Miscellaneous.

       (l)    Approvals. Whenever the Lease requires an approval, consent,
determination, selection or judgment by either Lessor or Lessee, unless another
standard is expressly set forth, such approval, consent, determination,
selection or judgment and any conditions imposed thereby shall be reasonable and
shall not be unreasonably withheld or delayed and, in exercising any right or
remedy hereunder, each party shall at all times act reasonably and in good
faith.

       (m)    Rules and Regulations. Lessee shall not be required to comply
with any new rule or regulation, including any parking area rules and
regulations, unless the same applies non-discriminatorily to all occupants of
the Building, does not unreasonably interfere with Lessee's use of the Premises
or Lessee's parking rights and does not materially increase the obligations or
decrease the rights of Lessee under the Lease.

       (n)    Reasonable Expenditures. Any expenditure by a party permitted or
required under the Lease, for which such party demands reimbursement from the
other party, shall be limited to the fair market value of the goods and
services involved, shall be reasonably incurred, and shall be substantiated by
documentary evidence available for inspection and review by the other party.

In witness whereof, said parties hereunto subscribe their names.

LESSOR:                                   LESSEE:

FOSTER ENTERPRISES,                       XCARE.NET, INC.,
a California general partnership          a Delaware corporation

By_________________________________       By_________________________________

Name_______________________________       Name_______________________________

Its________________________________       Its________________________________

                                      -4-
<PAGE>   5

                                 STANDARD LEASE

                                TABLE OF CONTENTS

 1.       BASIC LEASE TERMS
 2.       PREMISES AND COMMON AREAS
 3.       TERM
 4.       POSSESSION
 5.       RENT
 6.       OPERATING EXPENSES
 7.       SECURITY DEPOSIT
 8.       USE
 9.       NOTICES
 10.      BROKERS
 11.      SURRENDER; HOLDING OVER
 12.      TAXES ON LESSEE'S PROPERTY
 13.      ALTERATIONS
 14.      REPAIRS
 15.      LIENS
 16.      ENTRY BY LESSOR
 17.      UTILITIES AND SERVICES
 18.      ASSUMPTION OF RISK AND INDEMNIFICATION
 19.      INSURANCE
 20.      DAMAGE OR DESTRUCTION
 21.      EMINENT DOMAIN
 22.      DEFAULTS AND REMEDIES
 23.      LESSOR'S DEFAULT
 24.      ASSIGNMENT AND SUBLETTING
 25.      SUBORDINATION
 26.      ESTOPPEL CERTIFICATE
 27.      BUILDING PLANNING
 28.      RULES AND REGULATIONS
 29.      MODIFICATION AND CURE RIGHTS OF LESSOR'S MORTGAGEES AND LESSORS
 30.      DEFINITION OF LESSOR
 31.      WAIVER
 32.      PARKING
 33.      FORCE MAJEURE
 34.      SIGNS
 35.      LIMITATION ON LIABILITY
 36.      FINANCIAL STATEMENTS
 37.      QUIET ENJOYMENT
 38.      MISCELLANEOUS
 39.      EXECUTION OF LEASE

                                       1
<PAGE>   6

EXHIBITS:

A-1      FLOOR PLAN

B        ADJUSTMENTS TO MONTHLY BASE RENT

C        DESCRIPTION OF LESSORS WORK

D        LESSEE'S INSURANCE REQUIREMENTS

E        DEFINITION OF OPERATING EXPENSES

F        STANDARDS FOR UTILITIES AND SERVICES

G        N/A

H        RULES AND REGULATIONS

I        PARKING LICENSE

J        WORK IMPROVEMENT AGREEMENT

                                       2
<PAGE>   7

                                 STANDARD LEASE

This STANDARD LEASE ("Lease") is entered into as of FEBRUARY 23, 2000 by and
between FOSTER ENTERPRISES, a California general partnership ("Lessor"), and
XCARE.NET, ("Lessee").

1. BASIC LEASE TERMS: For purposes of this Lease, the following terms have the
following definitions and meanings:

(a)  Lessor's Address (For Notices):

     Foster Enterprises

     400 So. El Camino Real, Suite 1400

     San Mateo, California 94402

or such other place as Lessor may from time to time designate by notice to
Lessee.

(b)  Lessee's Address (Premises):

     100 North Winchester Blvd., Suite 250

     Santa Clara, California 95050        Attention: Chief Financial Officer

(c) Premises: Suite(s) 250 of the building located at 100 North Winchester
Boulevard as shown on Exhibit "A" (the "Premises"), which Premises contains
approximately 6,356 rentable square feet and which Building (the "Building")
contains approximately 63,899 rentable square feet. The Premises are located
within the development commonly known as Winchester Mall ("Development") in the
City of Santa Clara ("City"), County of Santa Clara ("County"), State of
California ("State").

(d) Lessee's Percentage of Operating Expenses: 9.946 %

(e) Term: 3 Lease Years or 36 Months.

(f) Commencement Date: MARCH 1, 2000

(g) Expiration Date: FEBRUARY 28,2003

(h) Initial Monthly Base Rent: $15,890.00 ($2.50 psf), subject to adjustment as
provided in Exhibit "B" and as otherwise provided in this Lease. Rent is due on
the first day of the month and delinquent on the sixth day. Late payments will
be subject to interest and a late charge as provided in Subparagraph 22(1)
below.

(i) Base Year: Calendar year in which lease term commenced.

(j) Base Operating Expenses: Operating expenses as defined in EXHIBIT "E" for
the base year.

(k) Base Real Property Taxes: Real Property Taxes as defined in Exhibit "E" for
the base year.

(1) Security Deposit: $16,843.40

(m) Permitted Use: A BUSINESS OFFICE, and no other use without the express
written consent of Lessor, which consent Lessor may withhold in its sole and
absolute discretion.

                                       3
<PAGE>   8

(n) Parking: SIX (6) RESERVED AND THIRTEEN (13) NON-RESERVED parking spaces
subject to the terms and conditions of Paragraph 32 below and the Rules and
Regulations regarding parking contained in EXHIBIT "H" AND "I".

(o) Brokers: COLLIERS INTERNATIONAL/CB RICHARD ELLIS

(p) Guarantor(s):

(q) Interest Rate: The greater of ten percent (10%) per annum or two (2)
percentage points in excess of the prime lending or reference rate of Wells
Fargo Bank N.A. or any successor bank in effect on the twenty-fifth (25th) day
of the calendar month immediately prior to the event giving rise to the Interest
Rate imposition; provided, however, the Interest Rate will no event exceed the
maximum interest rate permitted to be charged by applicable law.

(r) Exhibits: A THROUGH I inclusive, which Exhibits are attached to this Lease
and incorporated herein by this reference.

(s) Addendum Paragraphs: n/a through, inclusive, which Addendum Paragraphs are
attached to this Lease and incorporated herein by this reference.

This Paragraph 1 represents a summary of the basic terms and definitions of this
Lease. In the event of any inconsistency between the terms contained in this
Paragraph 1 and any specific provision of this Lease, the terms of the more
specific provision shall prevail.

2. PREMISES AND COMMON AREAS

(a) Premises: Lessor hereby leases to Lessee and Lessee hereby leases from
Lessor the Premises upon and subject to the terms, covenants and conditions
contained in this Lease to be performed by each party.

(b) Lessee's Use of Common Areas: During the Term of the Lease, Lessee shall
have the nonexclusive right to use in common with all other occupants of the
Project, the following common areas of the Project (collectively, the "Common
Areas"): the parking facilities of the Project which serve the Building, loading
and unloading areas, trash areas, roadways, sidewalks, walkway, parkways,
driveway, landscaped areas, and similar areas and facilities situated within the
Project and appurtenant to the Building which are not reserved for the exclusive
use of any Project occupants.

(c) Lessor's Reservation of Rights: Provided Lessee's use of and access to the
Premises is not interfered with in an unreasonable manner, Lessor reserves for
itself and for all other owner(s) and operator(s) of the Common Areas and the
balance of the Project, the right from time to time to: (I) install, use,
maintain, repair, replace and relocate pipes, ducts, conduits, wires and
appurtenant meters and equipment above the ceiling surfaces, below the floor
surfaces and within the walls of the Building; (ii) make changes to the design
and layout of the Project, including, without limitation, changes to buildings,
driveways, entrances, loading and unloading areas, direction of traffic,
landscaped areas and walkways, parking spaces and parking areas; and (iii) use
or close temporarily the Common Areas, and/or other portion of the Project while
engaged in making improvements, repairs or alterations to the Building, the
Project, or any portion thereof.

3. TERM: The term of this Lease ("Term") will be for the period designated in
Subparagraph 1(e), commencing on the Commencement Date, and ending on the
Expiration Date. Each consecutive twelve (12) month period of the Term of this
Lease, commencing on the Commencement Date, will be referred to herein as a
"Lease Year".

4. POSSESSION:

(a) Delivery of Possession. Lessor will deliver possession of the Premises to
Lessee in its current "as-is" condition with the addition of only those items
of work described on Exhibit "C" which are to be completed by Lessor on or
before the Commencement Date. If, for any reason not caused by Lessee, Lessor
cannot deliver possession of the Premises to Lessee on the Commencement Date,
this Lease will not be void or voidable by Lessor or Lessee, nor will but Lessor
will not be liable to Lessee for any loss or damage resulting from such delay,
but in such event, the Commencement Date and Lessee's obligation to pay rent
will not commence until Lessor delivers possession to Lessee. If the delay in
possession is caused by Lessee, then the Term and Lessee's obligation to pay
rent will commence as of the Commencement Date

                                        4

<PAGE>   9

even though Lessee does not yet have possession. Notwithstanding the foregoing,
Lessor will not be obligated to deliver possession of the Premises to Lessee
(but Lessee will be liable for rent if Lessor can otherwise deliver the Premises
to Lessee) until Lessor has received from Lessee all of the Following: (I) a
copy of the Lease fully executed by Lessee and the guaranty of Lessee's
obligations under this Lease, if any, executed by the Guarantor(s); (ii) the
Security Deposit and the first installment of Monthly Base Rent, and (iii)
copies of policies of insurance or certificates thereof as required under
Paragraph 19 of this lease.

(b) Condition of Premises: By taking possession of the Premises, Lessee will be
deemed to have accepted the Premises in its "as-is" condition on the date of
delivery of possession and to have acknowledged that all work to be completed by
Lessor as described on Exhibit "C" has been completed and there are no
additional items needing work or repair by Lessor. Lessee acknowledges that
neither Lessor nor any agent of Lessor has made any representation or warranty
with respect to the Premises, the Building, the Project or any portions thereof
or with respect to the suitability of same for the conduct of Lessee's business
and Lessee further acknowledges that Lessor will have no obligation to construct
or complete any additional buildings or improvements within the Development.
LESSOR MAKES NO REPRESENTATION OR WARRANTY REGARDING THE INSTALLATION OR
OWNERSHIP OR INTRABUILDING NETWORK TELEPHONE OR TELECOMMUNICATION CABLING WITHIN
THE BUILDING.

5. RENT:

(a) Monthly Base Rent: Lessee agrees to pay Lessor the Monthly Base Rent for the
Premises (subject to adjustment as hereinafter provided) in advance on the first
day of each calendar month during the Term without prior notice or demand,
except that Lessee agrees to pay the Monthly Base Rent for the first month of
the Term directly to Lessor concurrently with Lessee's delivery of the executed
Lease to Lessor. All rent must be paid to Lessor, without any deduction or
off-set, in lawful money of the United States of America, at the address
designated by Lessor or to such other person or at such other place as Lessor
may from time to time designate in writing. Monthly Base Rent will be adjusted
during Term of this Lease as provided in Exhibit "B".

(b) Additional Rent: All amounts and charges to be paid by Lessee hereunder,
including, without limitation, payments for Operating Expenses, insurance and
repairs, will be considered additional rent for purposes of this Lease, and the
word "rent" as used in this Lease will include all such additional rent unless
the context specifically or clearly implies -that only Monthly Base Rent in
intended.

(c) Late Payments: Late payments of Monthly Base Rent and/or item of additional
rent will be subject to interest and a late charge as provided in Subparagraph
22(f) below.

6. OPERATING EXPENSES:

(a) Operating Expenses and Real Property Taxes. In addition to Monthly Base
Rent, throughout the Term of this Lease, Lessee agrees to pay Lessor as
additional rent in accordance with the terms of this Paragraph 6, Lessee's
Percentage of the sum of the amount (if any) by which operating expenses as
defined in Exhibit "E" for such period exceed base Operating Expenses, and the
amount (if any) by which Real Property Taxes as defined in Exhibit "E" for such
period exceed Base Real Property Taxes.

(b) Estimate Statement. Prior to the Commencement Date and on or about March 1st
of each subsequent calendar year during the Term of this Lease, Lessor will
endeavor to deliver to Lessee a statement ("Estimate Statement") wherein Lessor
will estimate Lessee's Percentage of Operating Expenses for the then current
calendar year. If the estimate of Lessee's Percentage of Operating Expenses in
the Estimate Statement exceeds Lessee's Base Operating Expense, Lessee agrees to
pay Lessor, as "additional rent", one-twelfth (1/12th) of such excess each month
thereafter, beginning with the next installment of rent due, until such time as
Lessor issues a revised Estimate Statement or the Estimate Statement for the
succeeding calendar year; except that, concurrently with the regular monthly
rent payment next due following the receipt of each such Estimate Statement,
Lessee agrees to pay Lessor an amount equal to one monthly installment of such
excess (less any applicable Operating Expenses already paid) multiplied by the
number of months from January, in the current calendar year, to the month of
such rent payment next due, all months inclusive. If at any time during the Term
of this Lease, but not more often than quarterly, Lessor reasonably determines
that Lessee's Percentage of Operating Expenses for the current calendar year
will be greater than the amount set forth in the then current Estimate

                                       5
<PAGE>   10

Statement, Lessor may issue a revised Estimate Statement and Lessee agrees to
pay Lessor, within THIRTY (30) days of receipt of the revised Estimate
Statement, the difference between the amount owed by Lessee under such revised
Estimate Statement and the amount owed by Lessee under the original Estimate
Statement for the portion of the then current calendar year which has expired.
Thereafter Lessee agrees to pay Lessee's Percentage of Operating Expenses based
on such revised Estimate Statement until Lessee receives the next calendar
year's Estimate Statement or a new revised Estimate Statement for the current
calendar year. In the event Lessee's Percentage of Operating Expenses for any
calendar year is less than Lessee's Base Operating Expense, Lessee will not be
entitled to a credit against any rent, additional rent or Lessee's Percentage of
future Operating Expenses payable hereunder.

(c) Actual Statement. By March 1st of each calendar year during the Term of this
Lease, Lessor will also endeavor to deliver to Lessee a statement ("Actual
Statement") which states the actual Operating Expenses for the preceding
calendar year. If the Actual Statement reveals that Lessee's Percentage of the
actual Operating Expenses is more than the total Additional Rent paid by Lessee
for Operating Expenses on account of the preceding calendar year, Lessee agrees
to pay Lessor the difference in a lump sum within THIRTY (30) days of receipt of
the Actual Statement. If the Actual Statement reveals that Lessee's Percentage
of the actual Operating Expenses is less than the Additional Rent paid by Lessee
for Operating Expenses on account of the preceding calendar year, Lessor will
credit any overpayment toward the next monthly installment(s) of Lessee's
Percentage of the Operating Expenses due under this Lease, OR REIMBURSE LESSEE
FOR SUCH AMOUNT, IF THIS LEASE HAS EXPIRED.

(d) Miscellaneous. Any delay or failure by Lessor in delivering any Estimate
Statement or Actual Statement pursuant to this Paragraph 6 will not constitute a
waiver of its right to require an increase in rent nor will it relieve Lessee of
its obligations pursuant to this Paragraph 6, except that Lessee will not be
obligated to make any payments based on such Estimate Statement or Actual
Statement until THIRTY (30) days after receipt of such Estimate Statement of
Actual Statement. Even though the Term has expired and Lessee has vacated the
Premises, when the final determination is made of Lessee's Percentage of the
actual Operating Expenses for the year in which this Lease terminates, Lessee
agrees to promptly pay any increase due over the estimated expenses paid and,
conversely, any overpayment made in the event said expenses decrease shall
promptly be rebated by Lessor to Lessee. Such obligation shall be a continuing
one which will survive the expiration or earlier termination of this Lease.
Prior to the expiration or sooner termination of the Lease Term and Lessor's
acceptance of Lessee's surrender of the Premises, Lessor will have the right to
estimate the actual Operating Expenses for the then current Lease Year and to
collect from Lessee prior to Lessee's surrender of the Premises, Lessee's
Percentage of any excess of such actual Operating Expenses over the estimated
Operating Expenses paid by Lessee in such Lease Year.

7. SECURITY DEPOSIT: Concurrently with Lessee's execution of this Lease, Lessee
will deposit with Lessor the Security Deposit designated in Subparagraph 1(1).
The Security Deposit will be held by Lessor as security for the full and
faithful performance by Lessee of all of the terms, covenants, and conditions of
this Lease to be kept and performed by Lessee during the Term hereof. The
Security Deposit is not, and may not be construed by Lessee to constitute, rent
for the last month or any portion thereof. If Lessee defaults with respect to
any provisions of this Lease including, but not limited to, the provisions
relating to the payment of rent or additional rent, Lessor may (but will not be
required to) use, apply or retain all or any part of the Security Deposit for
the payment of any rent or any other sum in default, or for the payment of any
other amount which Lessor may spend by reason of Lessee's default or to
compensate Lessor for any loss or damage which Lessor may suffer by reason of
Lessee's default. If any portion of the Security Deposit is so used or applied,
Lessee agrees, within ten (10) days after Lessor's written demand therefor, to
deposit cash with Lessor in an amount sufficient to restore the Security Deposit
to its original amount and Lessee's failure to do so shall constitute a default
under this Lease. Lessor is not required to keep Lessee's Security Deposit
separate from its general funds, and Lessee is not entitled to interest on such
Security Deposit.

8. USE:

(a) LESSEE'S USE OF THE PREMISES: The Premises may be used for the use or uses
set forth in Subparagraph 1(m) only, and Lessee will not use or permit the
Premises to be used for any other purpose without the prior written consent of
Lessor, which consent Lessor may withhold in its sole and absolute discretion.
Nothing in this Lease will be deemed to give Lessee any exclusive right to such
use in the Project.

                                       6
<PAGE>   11

(b) COMPLIANCE: At Lessee's sole cost and expense, Lessee agrees to procure,
maintain and hold available for Lessor's inspection, all governmental licenses
and permits required for the proper and lawful conduct of Lessee's business from
the Premises, if any. Lessee agrees not to use, alter or occupy the Premises or
allow the Premises to be used, altered and occupied in violation of, and Lessee,
at its sole cost and expense, agrees to use and occupy the Premises, and cause
the Premises to be used and occupied, in compliance with: (i) any and all laws,
statutes, zoning restrictions, ordinances, rules, regulations, orders and
rulings now or hereafter in force and any requirements of any insurer, insurance
authority or duly constituted public authority having jurisdiction over the
Premises, the Building or the Project now or hereafter in force, (ii) the
requirements of the Board of Fire Underwriters and any other similar body, (iii)
any Certificate of Occupancy issued for the Building, and (iv) any recorded
covenants, conditions and restrictions and similar regulatory agreements, if
any, which affect the use, occupation or alteration of the Premises, the
Building and/or the Project. Lessee agrees to comply with the Rules and
Regulations referenced in Paragraph 28 below. Lessee agrees not to do or permit
anything to be done in or about the Premises or the common areas which will in
any manner obstruct or interfere with the rights or other tenants or occupants
of the Project, or injure or unreasonably annoy them, or use or allow the
Premises or the common areas to be used for any unlawful or unreasonably
objectionable purpose. Lessee agrees not to place or store any articles or
materials outside of the Premises or to cause, maintain or permit any nuisance
or waste in, on under or about the Premises or elsewhere within the Project.
Lessee shall not use or allow the Premises to be used for lodging, bathing or
the washing of clothes.

(c) HAZARDOUS MATERIALS: Except for ordinary and general office supplies, such
as copier toner, liquid paper, glue, ink and common household cleaning materials
(some or all of which may constitute "Hazardous Materials" as defined in this
Lease), Lessee agrees not to cause or permit any Hazardous Materials to be
brought upon, stored, used, handled, generated, released or disposed of on, in,
under or about the Premises, the Building, the Common Areas or any other portion
of the Project by Lessee, its agents, employees, subtenants, assignees,
licensees, contractors or invitees (collectively, "Lessee's Parties"), without
the prior written consent of Lessor, which consent Lessor may withhold in its
sole and absolute discretion. Concurrently with the execution of this Lease,
Lessee agrees to complete and deliver to Lessor an Environmental Questionnaire
in the form of Exhibit "G" attached hereto. Upon the expiration or earlier
termination of this Lease, Lessee agrees to promptly remove from the Premises,
the Building and the Project, at its sole cost and expense, any and all
Hazardous Materials, including any equipment or systems containing Hazardous
Materials which are installed, brought upon, stored, used, generated or released
upon, in, under or about the Premises, the Building and/or the Project or any
portion thereof by Lessee or any of Lessee's Parties. To the fullest extent
permitted by law, Lessee agrees to promptly indemnify, protect, defend and hold
harmless Lessor and Lessor's partners, officers, directors, employees, agents,
successors and assigns (collectively, "Lessor Indemnified Parties") from and
against any and all claims, damages, judgments, suits, causes of action, losses,
liabilities, penalties, fines, expenses and costs (including, without
limitation, clean-up, removal, remediation and restoration costs, sums paid in
settlement of claims, attorney's fees, consultant fees and expert fees and court
costs) which arise or result from the presence of Hazardous Materials on, in,
under or about the Premises, the Building or any other portion of the Project
and which are caused or permitted by Lessee or any of Lessee's Parties. Lessee
agrees to promptly notify Lessor of any release of Hazardous Materials in the
Premises, the Building or any other portion of the Project which Lessee becomes
aware of during the Term of this Lease, whether caused by Lessee or any other
persons or entities. In the event of any release of Hazardous Materials caused
or permitted by Lessee or any of Lessee's Parties, Lessor shall have the right,
but not the obligation, to cause Lessee to immediately take all steps Lessor
deems necessary or appropriate to remediate such release and prevent any similar
future release to the satisfaction of Lessor and Lessor's mortgagee(s). At all
times during the Term of this Lease, Lessor will have the right, but not the
obligation, to enter upon the Premises to inspect, investigate, sample and/or
monitor the Premises to determine if Lessee is in compliance with the terms of
this Lease regarding Hazardous Materials. As used in this Lease, the term
"Hazardous Materials" shall mean and include and substances or wastes now or
hereafter designated as hazardous or toxic material under any law, statute,
ordinance, rule, regulation, order or ruling of any agency of the State, the
United States Government or any local governmental authority, including, without
limitation, asbestos, petroleum, petroleum hydrocarbons and petroleum based
products, urea formaldehyde foam insulation, polychlorinated biphenyls ("PCBs")
and freon and other chlorofluorocarbons. The provisions of this Subparagraph
8(c) will survive the expiration or earlier termination of this Lease.

(d) REFUSE AND SEWAGE: Lessee agrees not to keep any trash, garbage, waste or
other refuse on the Premises except in sanitary containers and agrees to
regularly and frequently remove same from the Premises. Lessee shall keep all
containers or other equipment used for storage of such materials in a clean and
sanitary condition. Lessee shall properly dispose of all sanitary sewage and
shall not use the sewage disposal system for the disposal of anything except
sanitary

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<PAGE>   12

sewage. Lessee shall keep sewage disposal system free of all obstructions and in
good operating condition. If the volume of Lessee's trash becomes excessive in
Lessor's judgment, Lessor shall have the right to charge Lessee for additional
trash disposal services and/or to require that Lessee contract directly for
additional trash disposal services at Lessee's sole cost and expense.

9. NOTICES: Any notice required or permitted to be given hereunder must be in
writing and maybe given by personal delivery (including delivery by overnight
courier or an express mailing service) or by mail, if sent by registered or
certified mail. Notices to Lessee shall be DEEMED RECEIVED THREE (3) BUSINESS
DAYS AFTER MAILING OR ON THE DAY RECEIVED IF DELIVERED BY HAND OR OVERNIGHT
COURIER to lessee at the premises and notices to lessor shall be DEEMED RECEIVED
THREE (3) BUSINESS DAYS AFTER MAILING OR ON THE DAY RECEIVED IF DELIVERED BY
HAND OR OVERNIGHT COURIER to Lessor at the address designated in Subparagraph
1(a). Either party may specify a different address for notice purposes by
written notice to the other, except that the Lessor may in any event use the
Premises as Lessee's address for notice purposes if Lessee does not notify
Lessor of a valid address for notices.

10. BROKERS: The parties acknowledge that the only broker(s) involved in the
consummation of this Lease are stated in Subparagraph 1(o). Lessor and Lessee
each agree to promptly indemnify, protect, defend and hold harmless the other
from and against any and all claims, damages, judgments, suits, causes of
action, losses, liabilities, penalties, fines, expenses and costs (including
attorney's fees and court costs) resulting from any breach by the indemnifying
party of the foregoing representation, including, without limitation, any claims
that may be asserted by any broker, agent or finder undisclosed by the
indemnifying party. The foregoing mutual indemnity shall survive the expiration
or earlier termination of this Lease. Lessee agrees that Lessor will not
recognize or compensate any third party broker with regards to any renewals
and/or expansions unless such renewal or expansion rights are included within
this Lease at the time of execution by the parties and in Lessor's commission
agreement with the broker(s) specified in Subparagraph 1(o).

11.  SURRENDER; HOLDING OVER:

(a) SURRENDER: The voluntary or other surrender of this Lease by Lessee, or a
mutual cancellation thereof, shall not constitute a merger, and shall, at the
option of Lessor, operate as an assignment to Lessor of any or all subleases or
subtenancies. Upon the expiration or earlier termination of this Lease, Lessee
agrees to peaceably surrender the Premises to Lessor broom clean and in a state
of good order, repair and condition, ordinary wear and tear and casualty AND
CONDEMNATION damage excepted, with all of Lessee's personal property, fixtures,
and alterations removed from the Premises to the extent required under Paragraph
13 and all damage caused by such removal repaired as required by Paragraph 13.
The delivery of keys to any employee of Lessor or to Lessor's agent or any
employee thereof alone will not be sufficient to constitute a termination of
this Lease or a surrender of the Premises.

(b) HOLDING OVER: If Lessee holds over after the expiration or earlier
termination of the Term, Lessor may, at its option, treat Lessee as a tenant as
sufferance only, and such continued occupancy by Lessee shall be subject to all
of the terms, covenants and conditions of this Lease, so far as applicable,
including the payment of Operating Expenses, except that the Monthly Base Rent
for any month or partial month during which Lessee holds over shall be equal to
one hundred fifty percent (150%) of Monthly Base Rent in effect under this Lease
immediately prior to such holdover. Acceptance by Lessor of rent after such
expiration or earlier termination will not result in a renewal of this Lease. If
Lessee fails to surrender the Premises upon the expiration of this Lease in
accordance with the terms of this Paragraph 11 despite demand to do so by
Lessor, Lessee agrees to promptly indemnity, protect, defend and hold Lessor
harmless from all claims, damages, judgments, suits, causes of action, losses,
liabilities, penalties, finds, expenses and costs (including attorneys' fees and
costs), including, without limitation, costs and expenses incurred by Lessor in
returning the Premises to the condition in which Lessee was to surrender it and
claims made by any succeeding tenant founded on or resulting from Lessee's
failure to surrender the Premises. The provisions of this Subparagraph 11(b)
will survive the expiration or earlier termination of this Lease.

12. TAXES ON LESSEE'S PROPERTY: Lessee agrees to pay before delinquency, all
taxes and assessments (real and personal) levied against Lessee's business
operations or any personal property, improvements, alterations, trade fixtures
or merchandise placed by Lessee in or about the Premises.

                                       8

<PAGE>   13

13. ALTERATIONS: Lessee shall not make any alterations or add any fixtures to
the Premises or any other aspect of the Project, without Lessor's written
consent, which Lessor may withhold in its reasonable but subjective discretion.
All permitted alterations must be performed in compliance with Lessor's standard
rules and regulations regarding alterations, and with all applicable building
codes, rules and regulation laws. All alterations will become the property of
Lessor and will remain upon and be surrendered with the Premises at the end of
the Term of this Lease; provided, however, Lessor may require Lessee to remove
any or all alterations at the expiration or earlier termination of this Lease.
If Lessee fails to remove by the expiration or earlier termination of this Lease
all of its personal property, or any alterations identified by Lessor for
removal, property, or any alterations identified by Lessor for removal, Lessor
may, at its option, treat such failure as a hold-over pursuant to Subparagraph
11(b) above, and/or Lessor may (without liability to Lessee for loss thereof)
treat such personal property and/or alterations as abandoned and, at Lessee's
sole cost and in addition to Lessor's other rights and remedies under this
Lease, at law or in equity: (a) remove and store such items; and/or (b) upon ten
days' prior notice to Lessee, sell, discard or otherwise dispose of all or any
such items at private or public sale for such price as Lessor may obtain or by
other commercially reasonable means. Lessee shall be liable for all costs of
disposition of Lessee's abandoned property and Lessor shall have no liability to
Lessee with respect to any such abandoned property. Lessor agrees to apply the
proceeds of any sale of any such property to any amounts due to Lessor under
this Lease from Lessee (including Lessor's attorneys' fees and other costs
incurred in the removal, storage and/or sale of such items), with any remainder
to be paid to Lessee.

14. REPAIRS:

(a) LESSOR'S OBLIGATIONS: Lessor agrees to repair and maintain the structural
portions of the Building and the plumbing, heating, ventilating, air
conditioning, elevator and electrical systems installed or furnished by Lessor,
unless such maintenance and repairs are (i) attributable to items installed in
Lessee's Premises which are above standard interior improvements (such as, for
example, custom lighting, special HVAC and/or electrical panels or systems,
kitchen or rest room facilities and appliances constructed or installed within
Lessee's Premises) or (ii) caused in part or in whole by the act, neglect or
omission of Lessee, its agents, servants, employees or invitees, in which case
Lessee will pay to Lessor, as additional rent, the reasonable cost of such
maintenance and repairs. Except as provided in this Subparagraph 14(a), Lessor
has no obligation to alter, remodel, improve, repair, decorate or paint the
Premises or any part thereof. LESSOR'S SOLE OBLIGATION WITH RESPECT TO THE
PROVISIONS OF TELEPHONE OR TELECOMMUNICATION SERVICES SHALL BE TO PROVIDE AN
INTERFACE WITH THE TELEPHONE NETWORK AT THE DEMARCATION POINT SUPPLIED BY THE
LOCAL PUBLIC UTILITY AND CABLE PAIRS IN AN AMOUNT CONSISTENT WITH THE
ENGINEERING STANDARDS TO WHICH THE BUILDING WAS DESIGNED. Lessor will not be
liable for any failure to make any repairs or to perform any maintenance unless
such failure shall persist for an unreasonable time after written notice of the
need of such repairs or maintenance is given to Lessor by Lessee. Except as
provided in Paragraph 20, Lessee will not be entitled to any abatement of rent
and Lessor will not have any liability by reason of any injury to or
interference with Lessee's business arising from the making of any repairs,
alterations or improvements in or to any portion of the Building or the Premises
or in or to fixtures, appurtenances and equipment therein. Lessee waives the
right to make repairs at Lessor's expense under any laws, statute, ordinance,
rule, regulation, order or ruling (including, without limitation, to the extent
the Premises are located in California, the provisions of California Civil Code
Sections 1941 and 1942 and any successor statutes or laws of a similar nature).

(b) LESSEE'S OBLIGATIONS: Lessee agrees to keep, maintain and preserve the
Premises in good condition and repair consistent with the remainder Building
and, when and if needed, at Lessee's sole cost and expense, to make all repairs
to the Premises and every part thereof. Any such maintenance and repairs will be
performed by Lessor's contractor, or at Lessor's option, by such contractor or
contractors as Lessee may choose from an approved list to be submitted by
Lessor. LESSEE'S MAINTENANCE AND REPAIR OBLIGATION SHALL INCLUDE THE OBLIGATION
TO MAINTAIN AND REPAIR ALL THE WIRE BETWEEN THE DISTRIBUTION TERMINAL ON THE
FLOOR WHERE THE PREMISES ARE LOCATED AND THE TELEPHONE JACK(S) IN THE PREMISES
(SUCH WIRE IS HEREAFTER REFERRED TO AS "NETWORK TERMINATING WIRE") AND ALL
TELEPHONE OR TELECOMMUNICATION WIRING (INCLUDING JACKS) LOCATED WITHIN THE
PREMISES (HEREAFTER REFERRED TO AS "INSIDE WIRE"). Lessee agrees to pay all
costs and expenses incurred in such maintenance and repair within FIFTEEN (15)
days after billing by Lessor or such contractor or contractors. Lessee agrees to
caused any mechanics' liens or other liens arising as a result of work performed
by Lessee of at Lessee's direction to be eliminated as provided in Paragraph 15
below. If Lessee refuses or neglects to repair and maintain the Premises
properly as required hereunder to the reasonable satisfaction of Lessor, Lessor,
at any time following ten (10) days from the date on which Lessor makes a
written demand on Lessee to effect such repair and maintenance, may enter upon
the Premises and make such repairs and/or

                                       9
<PAGE>   14

maintenance, and upon completion thereof, Lessee agrees to pay to Lessor as
additional rent, Lessor's costs for making such repairs plus an amount not to
exceed ten percent (10%) of such costs for overhead, within ten (10) days of
receipt from Lessor of a written itemized bill therefor. Any amounts not
reimbursed by Lessee within such ten (10) day period will amounts not reimbursed
by Lessee within such ten (10) day period will bear interest at the Interest
Rate until paid by Lessee.

15. LIENS: Lessee agrees not to permit any mechanic's, materialmen's or other
liens to be filed against all or any part of the Development, the Building or
the Premises, nor against Lessee's leasehold interest in the Premises, by reason
of or in connection with any repairs, alterations, improvements or other work
contracted for or undertaken by Lessee or any other act or omission of Lessee or
Lessee's agents, employees, contractors, licensees or invitees. At Lessor's
request, Lessee agrees to provide Lessor with enforceable, and final lien
release (or other evidence reasonably requested by Lessor to demonstrate
protection from liens) from all person furnishing labor and/or materials at the
Premises. Lessor will have the right at all reasonable times to post on the
Premises and r record any notices of nonresponsibility which it deems necessary
for protection from such liens. If any such liens are filed, Lessee will, at its
sole cost and expense, promptly cause such liens to be released of record bonded
so that it in longer affects title to the Development, the Building or the
Premises. If lessee fails to cause any such liens to be so released or bonded
within ten (10) days after filing thereof, such failure will be deemed a
material breach by Lessee under the Lease without the benefit of any additional
notice or cure period described in Paragraph 22 below, and Lessor may, without
waiving its rights and remedies based on such breach, and without releasing
Lessee from any of its obligations, cause such liens to be released by any
means it shall deem proper, including payment in satisfaction of the claims
giving rise to such liens. Lessee agrees to pay to Lessor within ten (10) days
after receipt of invoice from Lessor, any sum paid by Lessor to remove such
liens, together with interest at the Interest Rate from the date of such payment
by Lessor.

16. ENTRY BY LANDLORD: Lessor and its employees and agents will at all
reasonable times have the right to enter the Premises to inspect the same, to
supply janitorial service and any other service to be provided by Lessor to
Lessee hereunder, to show the Premises to prospective purchasers or WITHIN THE
LAST THREE (3) MONTHS OF THE TERM, lessees, to post notices of
nonresponsibility, and/or to repair the Premises as permitted or required by
this Lease. In exercising such entry rights, Lessor will endeavor to minimize,
as reasonably practicable, the interference with Lessee' business, and will
provide Lessee with reasonable advance notice of any such entry (except in
emergency situations). Lessor will at all times have and retain a key with which
to unlock all doors in the Premises, excluding Lessee's vaults and safes. Except
in the case of the gross negligence or willful misconduct of Lessor, any entry
to the Premises obtained by Lessor will not be construed or deemed to be a
forcible or unlawful entry into the Premises, or an eviction of Lessee from the
Premises and Lessor will not be liable to Lessee for any damages or losses
resulting from any such entry.

17. UTILITIES AND SERVICES: Throughout the Term of the Lease so long as the
Premises are occupied, Lessor agrees to furnish or cause to be furnished to the
premises the utilities and services described in the Standards for Utilities and
Services attached hereto as Exhibit "F" Lessor will not be liable to Lessee for
any failure to furnish any of the foregoing utilities and services if such
failure is caused by all or any of the following: (i) accident, breakage or
repairs; (ii) strikes, lockouts or other labor disturbance or labor dispute of
any character; (iii) governmental regulation, moratorium or other governmental
action or inaction; (iv) inability despite the exercise of reasonable diligence
to obtain electricity, water or fuel; or (v) any other caused beyond Lessor's
reasonable control. In addition, in the event of any stoppage or interruption of
services or utilities, Lessee shall not be entitled to any abatement or
reduction of rent (except as expressly provided in Subparagraphs 20(f) or 21(b)
if such failure results from a damage or taking described therein), no eviction
of Lessee will result from such failure and Lessee will not be relieved from the
performance of any covenant or agreement in this Lease because of such failure.
In the event of any failure, stoppage or interruption thereof, Lessor agrees to
diligently attempt to resume service promptly. If Lessee requires or utilizes
more water or electrical power than is considered reasonable or normal by
Lessor, Lessor may at its option require Lessee to pay, as additional rent, the
cost, as fairly determined by Lessor, incurred by such extraordinary usage
and/or Lessor may install separate meter(s) for the Premises, at Lessee's sole
expense, and Lessee agrees thereafter to pay all shares of the utility providing
service.

18. ASSUMPTION OF RISK AND INDEMNIFICATION:

(a) ASSUMPTION OF RISK: Lessee, as a material part of the consideration to
Lessor, agrees that neither Lessor nor any Lessor Indemnified Parties (as
defined in Subparagraph 8(c) above) will be liable to Lessee for, and Lessee
expressly assumes the risk of and waives any and all claims it may have against
Lessor or any Lessor Indemnified Parties with

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<PAGE>   15

respect to, (i) any and all damage to property or injury to persons in, upon or
about the premises, the Building or the Development resulting from any act or
omission (except for the grossly negligent or intentionally willful act or
omission of Lessor or its agent or employees), (ii) any such damage caused by
other tenants or persons in or about the Building or the Development, or caused
by quasi-public work, (iii) any damage to property entrusted to employees of the
Building, (iv) any loss of or damage to property by theft or otherwise, or (v)
any injury or damage to person or property resulting from any casualty,
explosion, falling plaster or other masonry or glass, steam, gas, electricity,
water or rain which may leak from any part of the Building or any other portion
of the Development or from the roof, street or subsurface or from any other
place, or resulting from dampness. Neither Lessor nor any Lessor Indemnified
Parties will be liable for consequential damages arising out of any loss of the
use of the Premises or any equipment or facilities therein by Lessee or any
Lessee Parties or for interference with light. Lessee agrees to give prompt
notice to Lessor in case of fire or accidents in the Premises or the Building,
or of defects therein or in the fixtures or equipment.

(b) INDEMNIFICATION: Lessee will be liable for, and agrees to the maximum extent
permissible under applicable law, to promptly indemnify, protect, defend and
hold harmless Lessor and all Lessor Indemnified Parties from and against, any
and all claims, damages, judgments, suits, causes of action, losses,
liabilities, penalties, fines, expenses and costs, including attorney's fees and
court costs (collectively, "Indemnified Claims"), arising or resulting from (i)
any act or omission of Lessee or any Lessee Parties (as defined in Subparagraph
8(c) above); (ii) the use of the Premises and Common Areas and conduct of
Lessee's business by Lessee or any Lessee Parties, or any other activity, work
or thing done, permitted or suffered by Lessee or any Lessee Parties, in or
about the Premises, the Building or elsewhere within the Development; and/or
(iii) any default by Lessee or any obligations on Lessee's part to be performed
under the terms of this Lease. In case any action or proceeding is brought
against Lessor or any Lessor Indemnified Parties by reason of any such
Indemnified Claims, Lessee, upon notice from Lessor, agrees to promptly defend
the same at Lessee's sole cost and expense by counsel approved in writing by
Lessor, which approval Lessor will not unreasonably withhold.

(c) SURVIVAL; NO RELEASE OF INSURERS: Lessee's indemnification obligations under
Subparagraph 18(b) will survive the expiration or earlier termination of this
Lease. Lessee's covenants, agreements and indemnification obligation in
Subparagraphs 18(a) and 18(b) above, are not intended to and will not relieve
any insurance carrier of its obligations under policies required to be carried
by Lessee pursuant to the provisions of this Lease.

19. INSURANCE:

(a) LESSEE'S INSURANCE: On or before the earlier to occur of (i) the
Commencement Date, or (ii) the date Lessee commences any work of any type in the
Premises pursuant to this Lease (which may be prior to the Commencement Date),
and continuing throughout the entire Term hereof and any other period of
occupancy, Lessee agrees to keep in full force and effect, at it sole cost and
expense, the insurance specified on Exhibit "D" attached hereto. Lessor
reserves the right to require any other form or forms of insurance as Lessee or
Lessor or any mortgagees of Lessor may reasonably require from time to time in
form, in amounts, and for insurance risks against which, a prudent lessee would
protect itself, but only to the extent coverage for such risks and amounts are
available in the insurance market at commercially acceptable rates. Lessor makes
no representation that the limits of liability required to be carried by Lessee
under the terms of this Lease are adequate to protect Lessee's interests and
Lessee should obtain such additional insurance or increased liability limits as
Lessee deems appropriate.

(b) SUPPLEMENTAL LESSEE INSURANCE REQUIREMENTS: All polices must be in a form
reasonably satisfactory to Lessor and issued by an insurer admitted to do
business in the state in which the Building is located. All policies must be
issued by insurers with a policyholder rating of "A" and a financial rating of
"X" in the most recent version of Best's Key Rating Guide. All policies must
contain a requirement to notify Lessor (and Lessor's property manager and any
mortgagees or ground lessors of Lessor who are named as additional insurers, if
any) in writing not less than thirty (30) days prior to any material change,
reduction in coverage, cancellation or other termination thereof. Lessee agrees
to deliver to Lessor, as soon as practicable after placing the required
insurance, but in any event within the time frame specified in Subparagraph
19(a) above, certificate(s) of insurance and/or if required by Lessor, certified
copies of each policy evidencing the existence of such insurance and Lessee's
compliance with the provisions of this Paragraph 19. Lessee agrees to cause
replacement polices or certificates to be delivered to Lessor not less than
thirty (30) days prior to the expiration of any such policy or policies. If any
such initial or replacement polices or certificates are not furnished within the
time(s) specified herein, Lessor will have the right, but not the obligation, to
obtain such insurance as Lessor deems necessary to protect Lessor's interests at
Lessee's expense. If Lessor obtains any insurance that is the

                                       11
<PAGE>   16

responsibility of Lessee under this Paragraph 19, Lessor agrees to deliver to
Lessee a written statement setting forth the cost of any such insurance and
showing in reasonable detail the manner in which it has been computed and Lessee
agrees to promptly reimburse Lessor for such costs as additional rent. General
Liability and Automobile Liability policies under Paragraphs 1 and 5 of Exhibit
"D" attached hereto must name Lessor and Lessor's property manager (and at
Lessor's request, Lessor's mortgagees and ground lessors of which Lessee has
been informed in writing) as additional insured and must also contain a
provision that the insurance afforded by such policy is primary insurance and
any insurance carried by Lessor and Lessor's property manager of Lessor's
mortgagees or ground lessors, if any, will be excess over and non-contributing
with Lessee's insurance. LESSEE SHALL DELIVER TO LESSOR, ALONG WITH THE
CERTIFICATE OF INSURANCE MENTIONED ABOVE, AN ENDORSEMENT LISTING LESSOR AS
ADDITIONAL INSURED.

(c) LESSEE'S USE: Lessee will not keep, use, sell or offer for sale in or upon
the Premises any article which may be prohibited by any insurance policy
periodically in force covering the Building or the Development Common Areas. If
Lessee's occupancy or business in, or on, the premises, whether or not Lessor
has consented to the same, results in any increase in premiums for the insurance
periodically carried by Lessor with respect to the Building or the Development
or results in the need for Lessor to maintain special or additional insurance,
Lessee agrees to pay Lessor the cost of any such increase in premiums or special
or additional coverage as additional rent within ten (10) days after being
billed therefor by Lessor. Lessee agrees to promptly comply with all reasonable
requirements of the insurance authority or any present or future insurer
relating to the Premises.

(d) CANCELLATION OF LESSOR'S POLICIES: If any of Lessor's insurance policies are
canceled or cancellation is threatened or the coverage reduced or threatened to
be reduced in any way because of the use of the Premises or any part thereof by
Lessee or any assignee or subtenant of Lessee or by anyone Lessee permits on the
Premises and, if Lessee fails to remedy the condition giving rise to such
cancellation, threatened cancellation, reduction of coverage, threatened
reduction of coverage, increase in premiums, or threatened increase in premiums,
within forty-eight (48) hours after notice thereof, Lessee will be deemed to be
in material default of this Lease and Lessor may, at its option, either
terminate this Lease or enter upon the Premises and attempt to remedy such
condition, and Lessee shall promptly pay Lessor the reasonable costs of such
remedy as additional rent. If Lessor is unable, or elects not to remedy such
condition, then Lessor will have all of the remedies provided for in this Lease
in the event of a default by Lessee.

(e) WAIVER OF SUBROGATION: Lessee's property and liability insurance shall
contain a clause whereby the insurer waives all rights of recovery by way of
subrogation against Lessor. Lessee shall also obtain and furnish evidence to
Lessor of the waiver by Lessee's worker's compensation insurance carrier of all
rights or recovery by way of subrogation against Lessor.

20. DAMAGE OR DESTRUCTION:

(a) PARTIAL DESTRUCTION: If the Premises or the Building are damaged by fire or
other casualty to an extent not exceeding twenty-five percent (25%) of the full
replacement cost thereof, and Lessor's contractor reasonably estimates in a
writing delivered to Lessor and Lessee that the damage thereto may be repaired,
reconstructed or restored to substantially its condition immediately prior to
such damage within one hundred eighty (180) days from the date of such casualty,
and Lessor will receive insurance proceeds sufficient to cover the costs of such
repairs, reconstruction and restoration (including proceeds from Lessee and/or
Lessee's insurance which Lessee is required to deliver to Lessor pursuant to
Subparagraph 20(e) below to cover Lessee's obligation for the costs of repair,
reconstruction and restoration of any portion of the tenant improvements and any
alterations for which Lessee is responsible under this Lease), then Lessor
agrees to commence and proceed diligently with the work of repair,
reconstruction and restoration and this Lease will continue in full force and
effect.

(b) SUBSTANTIAL DESTRUCTION: Any damage or destruction to the Premises or the
Building which Lessor is not obligated to repair pursuant to Subparagraph 20(a)
above will be deemed a substantial destruction. In the event of a substantial
destruction, Lessor may elect to either: (i) repair, reconstruct and restore the
portion of the Building or the Premises damaged by such casualty, in which case
this Lease will continue in full force and effect, subject to Lessee's
termination right contained in Subparagraph 20(d) below; or (ii) a notice from
Lessor's insurance company that there is funds to

                                       12
<PAGE>   17

repair damage (iii) terminate this Lease effective as of the date which is
thirty (30) days after Lessee's receipt of Lessor's election to so terminate.

(c) NOTICE: Under any of the conditions of Subparagraph 20(a) or (b) above,
Lessor agrees to give written notice to Lessee of its intention to repair or
terminate, as permitted in such paragraphs, within the earlier of sixty (60)
days after the occurrence of such casualty, or fifteen (15) days after Lessor's
receipt of the estimate from Lessor's contractor (the applicable time period to
be referred to herein as the "Notice Period").

(d) TERMINATION RIGHTS: If Lessor elects to repair, reconstruct and restore
pursuant to Subparagraph 20(b)(i) hereinabove, and if Lessor's contractor
estimates that as a result of such damage, Lessee cannot be given reasonable use
of and access to the Premises within three hundred sixty-five (365) days after
the date of such damage, then either Lessor or Lessee may terminate this Lease
effective upon delivery of written notice to the other within ten (10) days
after Lessor delivers notice to Lessee of its election to so repair, reconstruct
or restore.

(e) LESSEE'S COSTS AND INSURANCE PROCEEDS: In the event of any damage or
destruction of all or any part of the Premises, Lessee agrees to immediately (i)
notify Lessor thereof, and (ii) deliver to Lessor all property insurance
proceeds received by Lessee with respect to any tenant improvements installed by
or at the cost of Lessee and any alterations, but excluding proceeds for
Lessee's furniture, trade fixtures, equipment and other personal property,
whether or not this Lease is terminated as permitted in this Paragraph 20, and
Lessee hereby assigns to Lessor all rights to receive such insurance proceeds.
If, for any reason (including Lessee's failure to obtain insurance for the full
replacement cost of any Lessee Improvements installed by or at the cost of
Lessee and any alterations from any and all casualties), Lessee fails to receive
insurance proceeds covering the full replacement cost of any such tenant
improvements and any alterations which are damaged, Lessee will be deemed to
have self-insured the replacement cost of such item's, and upon any damage or
destruction thereto, Lessee agrees to immediately pay to Lessor the full
replacement cost of such item's, less any insurance proceeds actually received
by Lessor from Lessor's or Lessee's insurance with respect to such item's.

(f) ABATEMENT OF RENT: In the event of any damage, repair, reconstruction and/or
restoration described in this Paragraph 20, rent will be abated or reduced, as
the case may be, from the date of such casualty, in proportion to the degree to
which Lessee's use of the Premises is impaired during such period of repair
until such use is restored. Except for abatement of rent as provided
hereinabove, Lessee will not be entitled to any compensation or damages for loss
of, or interference with, Lessee's business or use or access of all or any part
of the Premises or for lost profits or any other consequential damages of any
kind or nature, which result from any such damage, repair, reconstruction or
restoration.

(g) DAMAGE NEAR END OF TERM: Lessor and Lessee shall each have the right to
terminate this Lease if any damage to the Premises or the Building occurs during
the last twelve (12) months of the Term of this Lease where Lessor's contractor
estimates in writing delivered to Lessor and Lessee the repair, reconstruction
or restoration of such damage cannot be complete within sixty (60) days after
the date of such casualty or during the balance of the term. If either party
desires to terminate this Lease under this Subparagraph (1), it shall provide
written notice to the other party of such election within ten (10) days after
receipt of Lessor's contractor's repair estimates.

(h) WAIVER OF TERMINATION RIGHT: Lessor and Lessee agree that the foregoing
provisions of this Paragraph 20 are to govern their respective rights and
obligations in the event of any damage or destruction and supersede and are in
lieu of the provisions of any applicable law, statute, ordinance, rule,
regulation, order or ruling now or hereafter in force which provide remedies for
damage or destruction of leased premises (including, without limitation, to the
extent the Premises are located in California, the provisions of California
Civil Code Section 1932, Subsection 2, and Section 1933, Subsection 4 and any
successor statute or laws of a similar nature).

21. EMINENT DOMAIN:

(a) SUBSTANTIAL TAKING: If the whole of the Premises, or such part thereof as
shall substantially interfere with Lessee's use and occupancy of the Premises,
as contemplated by this Lease, is taken for any public or quasi-public purpose
by any lawful power or authority by exercise of the right of appropriation,
condemnation or eminent domain, or sold to prevent such taking, either party
will have the right to terminate this Lease effective as of the date possession
is required to be surrendered to such authority.

                                       13
<PAGE>   18

(b) PARTIAL TAKING; ABATEMENT OF RENT: In the event of a taking of a portion of
the Premises which does not substantially interfere with Lessee's use and
occupancy of the Premises, then, neither party will have the right to terminate
this Lease and Lessor will thereafter proceed to make a functional unit of the
remaining portion of the Premises (but only to the extent Lessor receives
proceeds therefor from the condemning authority), and rent will be abated with
respect to the part of the premises which Lessee is deprived of on account of
such taking. Notwithstanding the immediately preceding sentence to the contrary,
if any part of the Building or the Development is taken (whether or not such
taking substantially interferes with Lessee's use of the Premises), Lessor may
terminate this Lease upon thirty (30) day's prior written notice to Lessee.

(c) CONDEMNATION AWARD: In connection with any taking of the Premises of the
Building, Lessor will be entitled to receive the entire amount of any award
which may be made or given in such taking or condemnation, without deduction or
apportionment for any estate or interest of Lessee, it being expressly
understood and agreed by Lessee that no portion of any such award will be
allowed or paid to Lessee for any so-called bonus or excess value will be the
sole property of Lessor. Lessee agrees not to assert any claim against Lessor or
the taking authority for any compensation because of such taking (including any
claim for bonus or excess value of this Lease); provided, however, if any
portion of the Premises is taken, Lessee will have the right to recover from the
condemning authority (but not from Lessor) any compensation as may be separately
awarded or recoverable by Lessee for the taking of Lessee's furniture, fixtures,
equipment and other personal property within the Premises, for Lessee's
relocation expenses, and for any loss of goodwill or other damage to Lessee's
business by reason of such taking.

(d) TEMPORARY TAKING: In the event of taking of the Premises or any part thereof
for temporary use, (i) this Lease will remain unaffected thereby and rent will
not abate, and (ii) Lessee will be entitled to receive such portion or portions
of any award made for such use with respect to the period of the taking which is
within the Term, provided that if such taking remains in force at the expiration
or earlier termination of this Lease, Lessee will then pay to Lessor a sum equal
to the reasonable cost of performing Lessee's obligations under Paragraph 11
with respect to surrender of the Premises and upon such payment Lessee will be
excused from such obligations. For purpose of this Subparagraph 21(d), a
temporary taking shall be defined as a taking for a period of ninety (90) days
or less.

22. DEFAULTS AND REMEDIES:

(a) DEFAULTS: The occurrence of any one or more of the following events will be
deemed a default by Lessee:

(i) The abandonment or vacating of the Premises by Lessee.

(ii) The failure by Lessee to make any payment of rent or additional rent or any
other payment required to be made by Lessee hereunder, as and when due, where
such failure continues for a period of three (3) days after written notice
thereof from Lessor to Lessee; provided, however, that any such notice will be
in lieu of, and not in addition to, any notice required under applicable law
(including, without limitation, to the extent the Premises are located in
California, the provisions of California Code of Civil Procedure Section 1161
regarding unlawful detainer actions or any successor statute or law of a similar
nature).

(iii) The failure by Lessee to observe or perform any of the express or implied
covenants or provisions of this Lease to be observed or performed by Lessee,
other than as specified in Subparagraph 22(a) (i) or (ii) above, where such
failure continues for a period of five (5) days after written notice thereof
from Lessor to Lessee. The provisions of any such notice will be in lieu of, and
not in addition to, any notice required under applicable law (including, without
limitation, to the extent the Premises are located in California, California
Code of Civil Procedure section 1161 regarding unlawful detainer actions and any
successor statute of similar law). If the nature of Lessee's default is such
that more than five (5) days are reasonably required for its cure, then Lessee
will not be deemed to be in default if Lessee commences such cure within such
five (5) days period and thereafter diligently prosecutes such cure to
completion.

(iv) (A) the making by Lessee of any general assignment for the benefit of
creditors; (B) the filing by or against Lessee of a petition to have Lessee
adjudged a bankrupt or a petition for reorganization or arrangement under any
law relating to bankruptcy (unless, in the case of a petition filed against
Lessee, the same is dismissed within sixty (60) days); (C) the appointment of a
trustee or receiver to take possession of substantially all of Lessee's assets
located at the Premises or of Lessee's interest in this Lease, where possession
is not restored to Lessee within thirty (30) days; or (D) the attachment,

                                       14
<PAGE>   19

execution or other judicial seizure of substantially all of Lessee's assets
located at the Premises or of Lessee's interest in this Lease where such seizure
is not discharged within thirty (30) days.

(b) LESSOR'S REMEDIES; TERMINATION: In the event of any default by Lessee, in
addition to any other remedies available to Lessor at law or in equity under
applicable law, Lessor will have the immediate right and option to terminate
this Lease and all rights of Lessee hereunder. If Lessor elects to terminate
this Lease then, to the extent permitted under applicable law, Lessor may
recover from Lessee: (i) the worth at the time of award of any unpaid rent which
had been earned at the time of such termination; plus (ii) the worth at the time
award of the amount by which the unpaid rent which would have been earned after
termination until the time of award exceeds the amount of such rent loss that
Lessee proves could have been reasonably avoided; plus (iii) the worth at the
time of award of the amount by which the unpaid rent for the balance of the Term
after the time of award exceeds the amount of such rent loss that Lessee proves
could be reasonably avoided; plus (iv) any other amount necessary to compensate
Lessor for all the detriment proximately caused by Lessee's failure to perform
its obligations under this Lease or which, in the ordinary course of things,
results therefrom including, but not limited to: attorneys' fees and costs
brokers' commissions; the costs of refurbishment, alterations, renovation and
repair of the Premises, and removal (including the repair of any damage caused
by such removal) and storage (or disposal) of Lessee's personal property,
equipment, fixtures, alterations, the tenant improvements and any other items
which Lessee is required under this Lease to remove but does not remove, as well
as the unamortized value of any free rent, reduced rent, free parking, reduced
rate parking and any tenant improvement allowance or other costs or economic
concessions provided, paid, granted or incurred by Lessor pursuant to this
Lease. The total value of such concessions and multiplying such value by a
fraction, the numerator of which is the number of months of the Lease Term not
yet elapsed as of the date on which the Lease is terminated, and the denominator
of which is the total number of months of the Lease Term. As used in
Subparagraphs 22(b)(iii) above, the "worth at the time of award" is computed by
discounting such amount at the discount rate of the Federal Reserve Bank of San
Francisco at the time of award plus one percent (1%).

(c) RIGHT TO RECOVER RENT AS IT BECOMES DUE: Lessor may exercise the remedy
described in California Civil Code Section 1951.4 (lessor may continue lease in
effect after lessee's breach and abandonment, and recover rent as it becomes
due, if lessee has right to sublet or assign, subject only to reasonable
limitations). Lessee hereby specifically acknowledges and agrees that the
limitations on its right to sublet or assign, as set forth in Paragraph 24 or
the Lease, are reasonable.

(d) LESSOR'S REMEDIES; RE-ENTRY RIGHTS: In the event of any default by Lessee,
in addition to any other remedies available to Lessor under this Lease, at law
or in equity, Lessor will also have the right, with or without terminating this
Lease, to re-enter the Premises and remove all persons and property from the
Premises; such property may be removed and stored in a public warehouse or
elsewhere and/or disposed of at the sole cost and expense of and for the account
of Lessee in accordance with the provisions of Paragraph 13 of this Lease or any
other procedures permitted by applicable law. No re-entry or taking possession
of the Premises by Lessor pursuant to this Subparagraph 22(c) will be construed
as an election to terminate this Lease unless a written notice of such intention
is given to Lessee or unless the termination thereof is decreed by a court of
competent jurisdiction.

(e) LESSOR'S REMEDIES; RE-LETTING: If Lessor does not elect to terminate this
Lease, Lessor may from time to time, without terminating this Lease, either
recover all rent as it becomes due or relet the Premises or any part thereof on
terms and conditions as Lessor in its sole and absolute discretion may deem
advisable with the right to make alterations and repairs to the Premises in
connection with such reletting. If Lessor elects to relet the Premises, then
rents received by Lessor from such reletting will be applied: first, to the
payment of any indebtedness other than rent due hereunder from Lessee to Lessor;
second, to the payment of any cost of such reletting; third, to the payment of
the cost of any alterations and repairs to the Premises incurred in connection
with such reletting; fourth, to the payment of rent due and unpaid hereunder and
the residue, if any, will be held by Lessor and applied to payment of future
rent as the same may become due and payable hereunder. Should that portion of
such rents received from such reletting during any month, which is applied to
the payment of rent hereunder, be less than the rent payable during that month
by Lessee hereunder, then Lessee agrees to pay such deficiency to Lessor
immediately upon demand therefor by Lessor. Such deficiency will be calculated
and paid monthly.

(f) LESSOR'S REMEDIES; PERFORMANCE FOR LESSEE: All covenants and agreements to
be performed by Lessee under any of the terms of this Lease are to be performed
by Lessee at Lessee's sole cost and expense and without any abatement of

                                       15
<PAGE>   20
rent. If Lessee fails to pay any sum of money owed to any party other than
Lessor, for which its is liable under this Lease, or if Lessee fails to perform
any other act on its part to be performed hereunder, and such failure continues
for ten (10) days after notice thereof by Lessor, Lessor may, without waiving
or releasing Lessee from its obligations, but shall not be obligated to, make
any such payment or perform any such other act to be made or performed by
Lessee. Lessee agrees to reimburse Lessor upon demand for all sums so paid by
Lessor and all necessary incidental costs, together with interest thereon at
the Interest Rate, from the date of such payment by Lessor until reimbursed by
Lessee. This remedy shall be in addition to any other right or remedy of Lessor
set forth in this Paragraph 22.

(g) LATE PAYMENT: If Lessee fails to pay any installment of rent within ten
(10) days of when due or if Lessee fails to make any other payment for which
Lessee is obligated under this Lease within ten (10) days of when due, such
late amount will accrue interest at the Interest Rate and Lessee agrees to pay
Lessor as additional rent such interest on such amount from the date such
amount becomes due until such amount is paid. In addition, Lessee agrees to pay
to Lessor concurrently with such late payment amount, as additional rent, a
late charge equal to ten percent (10%) of the amount due to compensate Lessor
for the extra costs Lessor will incur as a result of such late payment.
Acceptance of any such interest and late charge will not constitute a waiver of
the Lessee's default with respect to the overdue amount, or prevent Lessor from
exercising any of the other rights and remedies available to Lessor. If Lessee
incurs a late charge more than three (3) times in any period of twelve (12)
months during the Lease Term, then, notwithstanding that Lessee cures the late
payments for which such late charges are imposed, Lessor will have the right to
require Lessee thereafter to pay all installments of Monthly Base Rent
quarterly in advance throughout the remainder of the Lease Term.

(h) RIGHTS AND REMEDIES CUMULATIVE: All rights, options and remedies of Lessor
to the extent permitted by applicable law contained in this Lease will be
construed and held to be cumulative, and no one of them will be exclusive of
the other, and Lessor shall have the right to pursue any one or all of such
remedies or any other remedy or relief which may be provided by law or in
equity, whether or not state in this Lease. Nothing in this Paragraph 22 will
be deemed to limit or otherwise affect Lessee's indemnification of Lessor
pursuant to any provision of this Lease.

23. LESSOR'S DEFAULT: Lessor will not be in default in the performance of any
obligation required to be performed by Lessor under this Lease unless Lessor
fails to perform such obligation within thirty (30) days after the receipt of
written notice from Lessee specifying in detail Lessor's failure to perform;
provided however, that if the nature of Lessor's obligation is such that more
than thirty (30) days are required for performance, then Lessor will not be
deemed in default if it commences such performance within such thirty (30) day
period and thereafter diligently pursues the same to completion. Upon any
default by Lessor, Lessee may exercise any of its rights provided at law or in
equity subject to the limitations on liability set forth in Paragraph 35 of
this Lease.

24. ASSIGNMENT AND SUBLETTING:

(a) RESTRICTION ON TRANSFER: Except as expressly provided in this Paragraph 24,
Lessee will not, either voluntarily or by operation of law, assign or encumber
this Lease or any interest herein or sublet the Premises or any part thereof,
or permit the use or occupancy of the Premises by any party other than Lessee
(any such assignment, encumbrance, sublease or the like will sometimes be
referred to as a "Transfer"), without the prior written consent of Lessor,
which consent Lessor will not unreasonably withhold. For purposes of this
Paragraph 24, if Lessee is a corporation, partnership or other entity, any
transfer, assignment, encumbrance or hypothecation of twenty-five percent (25%)
or more (individually or in the aggregate) of any stock or other ownership
interest in such entity, and/or any transfer assignment, hypothecation or
encumbrance of any controlling ownership or voting interest in such entity,
will be deemed a Transfer and will be subject to all of the restrictions and
provisions contained in the Paragraph 24. NOTWITHSTANDING THE FOREGOING, LESSEE
MAY UPON A FIFTEEN (15) DAY WRITTEN NOTICE, AND LEGAL WRITTEN DOCUMENTATION TO
LESSOR, MAY SUBLET THE PREMISES OR ASSIGN THE LEASE TO (A) AN ENTITY
CONTROLLING, CONTROLLED BY OR UNDER COMMON CONTROL WITH LESSEE, (B) A SUCCESSOR
ENTITY RELATED TO LESSEE BY MERGER, CONSOLIDATION, NONBANKRUPTCY
REORGANIZATION, OR GOVERNMENT ACTION, OR (C) A PURCHASER OF SUBSTANTIALLY ALL
LESSER'S ASSETS LOCATED IN THE PREMISES. A SALE OR TRANSFER OF LESSEE'S CAPITAL
STOCK SHALL NOT BE DEEMED AN ASSIGNMENT, SUBLETTING OR ANY OTHER TRANSFER OF
THE LEASE OR THE PREMISES.

(b) TRANSFER NOTICE: If Lessee desires to effect a Transfer, then at least
thirty (30) days prior to the date when Lessee desires the Transfer to be
effective (the "Transfer Date"), Lessee agrees to give Lessor a notice (the
"Transfer Notice").

                                       16
<PAGE>   21
stating the name, address and business of the proposed assignee, sublessee or
other transferee (sometimes referred to hereinafter as "Transferee"),
reasonable information (including references) concerning the character,
ownership and financial condition of the proposed Transferee, the Transfer
Date, any ownership or commercial relationship between Lessee and the proposed
Transferee, and the consideration and all other material terms and conditions
of the proposed Transfer, all in such detail as Lessor may reasonably require.

(c) LESSOR'S OPTIONS: Within ten (10) days of Lessor's receipt of any
Transfer Notice, and any additional information requested by Lessor concerning
the proposed Transferee's financial responsibility, Lessor will notify Lessee
of its election to do one of the following: (i) consent to the proposed
Transfer subject to such reasonable conditions as Lessor may impose in
providing such consent; (ii) refuse such consent, which refusal shall be on
reasonable grounds; or (iii) terminate this Lease as to all or such portion of
the Premises which is proposed to be sublet or assigned and recapture all or
such portion of the Premises for reletting by Lessor.

(d) ADDITIONAL CONDITIONS: A condition to Lessor's consent to any Transfer of
this Lease will be the delivery to Lessor or a true copy of the fully executed
instrument of assignment, sublease, transfer or hypothecation, in form and
substance reasonably satisfactory to Lessor. Lessee agrees to pay to Lessor, as
additional rent, all sums and other consideration payable to and for the
benefit of Lessee by the assignee or sublessee in excess of the rent payable
under this Lease for the same period and portion of the Premises. In
calculating excess rent or other consideration which may be payable to Lessor
under this paragraph, Lessee will be entitled to deduct commercially reasonable
third party brokerage commissions and attorneys' fees and other amounts
reasonably and actually expended by Lessee in connection with such assignment
or subletting if acceptable written evidence of such expenditures is provided
to Lessor. No Transfer will release Lessee of Lessee's obligations under this
Lease or alter the liability of Lessees to pay the rent and to perform all
other obligations to be performed by Lessee hereunder. Lessor may require that
any Transferee (i) remit directly to Lessor on a monthly basis, all monies due
Lessee by said Transferee and (ii) assume the obligations of Lessee hereunder
occurring after the date of transfer. Consent by Lessor to one Transfer will
not be deemed consent to any subsequent Transfer. In the event of default by
any Transferee of Lessee or any successor of Lessee in the performance of any
of the terms hereof, Lessor may proceed directly against Lessee without the
necessity of exhausting remedies against such Transferee or successor. If
Lessee effects a Transfer or requests the consent of Lessor to any Transfer
(whether or not such Transfer is consummated), then, upon demand, Lessee agrees
to pay Lessor a non-refundable administrative fee of Two Hundred Fifty Dollars
($250.00), plus Lessor's reasonable attorneys' fees.

25. SUBORDINATION: Without the necessity of any additional document being
executed by Lessee for the purpose of effecting a subordination, and at the
election of Lessor or any mortgagee or beneficiary with a deed of trust
encumbering the Building and/or the Development, or any lessor of a ground or
underlying lease with respect to the Building, this Lease will be subject and
subordinate at all times to: (i) all ground lease or underlying leases which
may now exist or hereafter be executed affecting the Building; and (ii) the
lien of any mortgage or deed of trust which may now exist or hereafter be
executed for which the Building, the Development or any leases thereof, of
Lessor's interest and estate in any of said items, is specified as security.
Notwithstanding the foregoing, Lessor reserves the right to subordinate any
such ground leases or underlying leases or any such liens to this Lease. If any
such ground lease or underlying lease terminates for any reason or any such
mortgage or deed of trust is foreclosed or a conveyance in lieu of foreclosure
is made for any reason, at the election of Lessor's successor in interest,
Lessee agrees to attorn to and become the lessee of such successor in which
event Lessee's right to possession of the Premises will not be disturbed as
long as Lessee is not in default under this Lease. Lessee hereby waives its
rights under any law which gives or purports to give Lessee any right to
terminate or otherwise adversely affect this Lease and the obligations of
Lessee hereunder in the event of any such foreclosure proceeding of sale.
Lessee covenants and agrees to execute and deliver, upon demand by Lessor and
in the form reasonably required by Lessor, any additional documents evidencing
the priority or subordination of this Lease and Lessee's attornment agreement
with respect to any such ground lease or underlying leases or the lien of any
such mortgage or deed of trust. If Lessee fails to sign and return any such
documents within ten (10) days of receipt, Lessee will be in default hereunder.

26. ESTOPPEL CERTIFICATE: Within ten (10) days following any written request
which Lessor may make from time to time, Lessee agrees to execute and deliver
to Lessor an estoppel certificate as may reasonably be required by Lessor.
Lessor and Lessee intend that any statement delivered pursuant to the Paragraph
26 may be relied upon by any mortgagee, beneficiary, purchaser or prospective
purchaser of the Building or any interest herein. Lessee's failure to deliver
such statement within such time will be conclusive upon Lessee (i) that this
Lease is in full force and effect,

                                      17
<PAGE>   22
without modification except as may be represented by Lessor, (ii) that there
are no incurred defaults in Lessor's performance, and (iii) that not more than
one (1) month's rent has been paid in advance. Without limiting the foregoing,
if Lessee fails to deliver any such statement within such ten (10) day period,
Lessor may deliver to Lessee an additional request for such statement and
Lessee's failure to deliver such statement to Lessor within ten (10) days after
delivery of such additional request will constitute a default under this Lease.
Lessee agrees to indemnify and protect Lessor from and against any and all
claims, damages, losses, liabilities and expenses (including attorneys' fees
and costs) attributable to any failure by Lessee to timely deliver any such
estoppel certificate to Lessor as required by this Paragraph 26.

27. BUILDING PLANNING: If Lessor requires the Premises for use in conjunction
with another suite or for other reasons connected with the planning program for
the Building or the Development, Lessor will have the right, upon sixty (60)
days' prior written notice to Lessee, to move Lessee to other space in the
Building of substantially similar size as the Premises, and with lessee
improvements of substantially similar age, quality and layout as then existing
in the Premises. Any such relocation will be at Lessor's cost and expense,
including the cost of providing such substantially similar lessee improvements
(but not any furniture or personal property) and Lessee's reasonable moving,
telephone installation and stationary reprinting cost. If Lessor so relocates
Lessee, the terms and conditions of this Lease will remain in full force and
effect an apply to the new space, except that (a) a revised Exhibit "A-1" will
become part of this Lease and will reflect the location of the new space, (b)
Paragraph 1 of this Lease will be amended to include and state all correct data
as to the new space, (c) the new space will thereafter be deemed to be the
"Premises", and (d) all economic terms and conditions (e.g. rent, total Base
Operating Expense, etc.) will be adjusted on a per square foot basis based on
the total number of rentable square feet of area contained in the new space.
Lessor and Lessee agree to cooperate fully with one another in order to
minimize the inconvenience to Lessee resulting form any such relocation and the
parties shall execute the amendment of this lease.

28. RULES AND REGULATIONS: Lessee agrees to faithfully observe and comply with
the "Rules and Regulations," a copy of which is attached hereto and incorporated
herein by this reference as Exhibit "H", and all reasonable and
nondiscriminatory modifications thereof and additions thereto from time to
time put into effect by Lessor. Lessor will not be responsible to Lessee for
the violation or non-performance by any other lessee or occupant of the
Building of any of the Rules and Regulations.

29. MODIFICATION AND CURE RIGHTS OF LESSOR'S MORTGAGEES AND LESSORS: If, in
connection with Lessors obtaining or entering into any financing or ground lease
for any portion of the Building or the Development, the lender or ground lessor
request modifications to this Lease, lessee, within ten (10) days after request
therefor, agrees to execute an amendment to this Lease incorporating such
modifications, provided such modifications are reasonable an do not increase
the monetary obligations of Lessee under this Lease or adversely affect the
leasehold estate created by the Lease. In the event of any default on the part
of Lessor, Lessee will give notice by registered or certified mail to any
beneficiary of a deed of trust or mortgage covering the Premises or ground
lessor of Lessor whose address has been furnished to Lessee, and Lessee agrees
to offer such beneficiary, mortgagee or ground lessor a reasonable opportunity
to cure the default (including with respect to any such beneficiary or
mortgagee, time to obtain possession of the premises, subject to this Lease and
Lessee's rights hereunder, by power of sale or a judicial foreclose, if such
should prove necessary to effect a cure).

30. DEFINITION OF LESSOR: The term "Lessor", as used in this Lease, so far as
covenants or obligations on the part of Lessor are concerned, means and
includes only the owner or owners, at the time in question, of the fee title of
the Premises or the lessees under any ground lease, if any. In the event of any
transfer, assignment or other conveyance or transfers of any such title (other
than a transfer for security purposes only), Lessor herein named (and in case
of any subsequent transfers or conveyances, the then grantor) will be
automatically relieved from and after the date of such transfer, assignment or
conveyance of all liability as respects the performance of any covenants or
obligations on the part of Lessor contained in this Lease thereafter to be
performed, so long as the transferee assumes in writing all such covenants
and obligations of Lessor arising after the date of such transfer. Lessor and
Lessor's transferees and assignees have the absolute right to transfer all or
any portion of their respective title and interest in the Development, the
Building, the Premises and/or this Lease without the consent of Lessee, and
such transfer or subsequent transfer will not be deemed a violation on Lessor's
part of any of the terms and conditions of this Lease.

31. WAIVER: The waiver by either party of any breach of any term, covenant or
condition herein contained will not be deemed to be a waiver of any subsequent
breach of the same or any other term, covenant or condition herein

                                       18
<PAGE>   23
contained, nor will any custom or practice which may develop between the
parties in the administration of the terms hereof be deemed a waiver of or in
any way affect the right of either party to insist upon performance in strict
accordance with said terms. The subsequent acceptance of rent or any other
payment hereunder by Lessor will not be deemed to be a waiver of any preceding
breach by Lessee of any term, covenant or condition of this Lease, other than
the failure of Lessee to pay the particular rent so accepted, regardless of
Lessor's knowledge of such preceding breach at

                                      18A
<PAGE>   24

the time of acceptance of such rent. No acceptance by Lessor of a lesser sum
than the basic rent and additional rent or other sum then due will be deemed to
be other than on account of the earliest installment if such rent or other
amount due, nor will any endorsement or statement on any check or any letter
accompanying any check be deemed an accord and satisfaction, and Lessor may
accept such check or payment without prejudice to Lessor's right to recover the
balance of such installment or other amount or pursue any other remedy provided
in this Lease. The consent or approval of Lessor to or of any act by Lessee
requiring Lessor's consent or approval will not be deemed to waive or render
unnecessary Lessor's consent or approval to or of any subsequent similar acts by
Lessee.

32. PARKING: Lessee shall be entitled to use, in common with other lessees and
Lessor and its agents, the number of assigned and/or undesignated vehicle
parking spaces allocated to Lessee in Paragraph 1(n) subject to the terms and
conditions of this Paragraph 32 and the Rules and Regulations regarding parking,
and the parking contained in Exhibit "I" and "I" attached hereto; provided
however, that if the size of the Premises shall hereafter be reduced, whether
pursuant to an amendment of lease or any modification to this standard lease
form or otherwise, the number of parking spaces allocated to Lessee shall
automatically be reduced pro rata. Lessee's use of such parking spaces shall be
subject to payment by Lessee of such standard monthly parking rates, if any, as
may be charged from time to time to persons other than the officers and
employees of Lessor and its affiliates, and subject to such rules and
regulations as maybe reasonably established or altered from time to time by
Lessor or its manager of such parking facilities, provided that such rates do
not exceed fair market rates for comparable parking facilities in the basements
of comparable nearby office towers, all as reasonably determined by Lessor. At
Lessor's request, Lessee (or its designated employees with parking privileges)
shall enter into parking licenses or lease agreements or other arrangements then
in use by Lessor (or Lessor's operator of the parking facilities) with respect
to such monthly parking. Upon request, Lessee shall provide Lessor with the
license plate numbers of all vehicles used at the Facility by Lessee's
employees. In the event that, pursuant to any modification or amendment to this
standard form lease, Lessee is at any time given any right to the exclusive use
of any designated parking stalls or facilities, Lessor shall nevertheless have
the right from time to time to substitute other designated parking stalls or
facilities therefor, so long as such substitute stalls or facilities are, in
Lessor's judgment, reasonably comparable. If Lessee parks more vehicles in the
Facility's parking area than are permitted under this Section, Lessor shall have
the right, without limitation to Lessor's other remedies under this Lease, to
collect from Lessee a daily charge, to reasonably determined by Lessor, for
each such additional vehicle.

33. FORCE MAJEURE: If either Lessor or Lessee is delayed, hindered in or
prevented from the performance of any act required under this Lease by reason of
strikes, lock-outs, labor troubles, inability to procure standard materials,
failure of power, restrictive governmental laws, regulations or orders or
governmental action or inaction (including failure, refusal or delay in issuing
permits, approvals and/or authorizations which is not the result of the action
or inaction of the party claiming such delay), riots, civil unrest or
insurrection, war, fire, earthquake, flood or other natural disaster, unusual
and unforeseeable delay which results from an interruption or any public
utilities (e.g., electricity, gas, water, telephone) or other unusual and
unforeseeable delay not within the reasonable control of the party delayed in
performing work or doing acts required under the provisions of this Lease, then
performance work or doing acts required under the provisions of this Lease, then
performance of such act will be excused for the period of the delay and the
period for the performance of any such act the provisions of this Paragraph 33
will not operate to excuse Lessee from prompt payment of rent or any other
payments required under the provisions of the Lease.

34. SIGNS: Lessor will designate the location on the Premises, if any, for one
or more Lessee identification sign(s). Lessee agrees to have Lessor install and
maintain Lessee's identification sign(s) in such designated location in
accordance with this Paragraph 34 at LESSOR'S sole cost and expense. Lessee has
no right to install Lessee identification signs in any other location in, on or
about the Premises or the Development and will not display or erect any other
signs, displays or other advertising materials that are visible from the
exterior of the Building or from within the Building in any interior or exterior
common areas. The size, design, color and other physical aspects or any and all
permitted sign(s) will be subject to (i) Lessor's written approval prior to
installation, which approval may be withheld in Lessor's discretion, (ii) any
covenants, conditions or restrictions governing the Premises, and (iii) any
applicable municipal or governmental permits and approvals. Lessee will be
solely responsible for all costs for installation, maintenance, repair and
removal of any Lessee identification sign(s). If Lessee fails to remove Lessee's
sign(s) upon termination of this Lease and repair any damage caused by such
removal, Lessor may do so at Lessee's sole cost and expense. Lessee agrees to
reimburse Lessor for all costs incurred by Lessor to effect any installation,
maintenance or removal on Lessee's account, which amount will be deemed
additional rent, and may include, without limitation, all sums disbursed,
incurred or deposited by Lessor including Lessor's costs, expenses and actual
attorneys' fees with interest thereon at the Interest

                                       19
<PAGE>   25

Rate from the date of Lessor's demand until paid by Lessee. Any sign rights
granted to Lessee under this Lease are personal to Lessee and may not be
assigned, transferred or otherwise conveyed to any assignee or sublessee of
Lessee without Lessor's prior written consent, which consent Lessor may NOT
UNREASONABLY withhold in its sole and absolute discretion.

35. LIMITATION ON LIABILITY: In consideration of the benefits accruing
hereunder, Lessee on behalf of itself and all successors and assigns of Lessee
covenants and agrees that, in the event of any actual or alleged failure, breach
or default hereunder by Lessor: (a) Lessee's recourse against Lessor for
monetary damages will be limited to Lessor's interest in the Building including,
subject to the prior rights of any Mortgagee, Lessor's interest in the rents of
the Building and any insurance proceeds payable to Lessor; (b) except as may be
necessary to secure jurisdiction of the partnership, no partner may be necessary
to secure jurisdiction of the partnership, no partner of Lessor shall be sued or
named as a party in any suit or action and no service of process shall be made
against any partner of Lessor; (c) no partner of Lessor shall be required to
answer or otherwise plead to any service of process; (d) no judgment will be
taken against any partner of Lessor and any judgment taken against any partner
of Lessor may be vacated and set aside at any time after the fact; (e) no writ
of execution will be levied against the assets of any partner of Lessor; (f) the
obligations under this Lease do not constitute personal obligations of the
individual partners, directors, officers or shareholders of Lessor, and Lessee
shall no seek recourse against the individual partners, directors, officers of
shareholders of Lessor or any of their personal assets for satisfaction of any
liability in respect to this Lease; and (g) these covenants and agreements are
enforceable both by Lessor and also any partner of Lessor.

36. FINANCIAL STATEMENTS: Prior to the execution of this Lease by Lessor and at
any time during the Term of this Lease upon ten (10) days prior written notice
from Lessor, Lessee agrees to provide Lessor with a current financial statement
for Lessee and any guarantors of Lessee and financial statement for the two (2)
years prior to the current financial statement year for Lessee and any
guarantors of Lessee. Such statements are to be prepared in accordance with
generally accepted accounting principles and, if such is the normal practice of
Lessee, audited by an independent certified public accountant. LESSOR SHALL KEEP
SUCH STATEMENTS CONFIDENTIAL AND SHALL ONLY USE SUCH STATEMENT FOR PURPOSES
RELATED TO THIS LEASE OR THE FINANCING OF THE BUILDING OR PROJECT.

37. QUIET ENJOYMENT: Lessor covenants and agrees with Lessee that upon Lessee
paying the rent required under this Lease and paying all other charges and
performing all of the covenants and provisions on Lessee's part to be observed
and performed under this Lease, Lessee may peaceably and quietly have, hold and
enjoy the Premises in accordance with this Lease.

38. MISCELLANEOUS:

(a) CONFLICT OF LAWS: This Lease shall be governed by and construed solely
pursuant to the laws of the State OF CALIFORNIA, without giving effect to choice
of law principles thereunder.

(b) SUCCESSORS AND ASSIGNS: Except as otherwise provided in this Lease, all of
the covenants, conditions and provisions of this Lease shall be binding upon and
shall inure to the benefit of the parties hereto and their respective heirs,
personal representatives, successors and assigns.

(c) PROFESSIONAL FEES AND COSTS: If either Lessor or Lessee should bring suit
against the other with respect to this Lease, then all cost and expenses,
including without limitation, actual professional fees and costs such as
appraiser, accountants' and attorneys' fees and costs, incurred by the party
which prevails in such action, whether by final judgment or out of court
settlement, shall be paid by the other party, which obligation on the part of
the other party shall be deemed to have accrued on the date of the commencement
of such action and shall be enforceable whether or not the action is prosecuted
to judgment. As used herein, attorneys' fees and costs shall include, without
limitation, attorneys' fees, costs and expenses incurred in connection with any
(I) post judgment motions; (ii) contempt proceeding; (iii) garnishment, levy,
and debtor and third party examination; (iv) discovery; and (v) bankruptcy
litigation.

(d) TERMS AND HEADINGS: The words "Lessor" and "Lessee" as used herein shall
include the plural as well as the singular. Words used in any gender include
other genders. The paragraph headings of this Lease are not a part of this Lease
and shall have no effect upon the construction or interpretation of any part
hereof.

                                       20
<PAGE>   26

(e) TIME: Time is of the essence with respect to the performance of every
provision of this Lease in which time of performance is a factor.

(f) PRIOR AGREEMENT; AMENDMENTS: This Lease constitutes and is intended by the
parties to be a final, complete and exclusive statement of their entire
agreement with respect to the subject matter of this Lease. This Lease
supersedes any and all prior and contemporaneous agreements and understandings
of any kind relating to the subject matter of this Lease. There are no other
agreements, understandings, representations, warranties, or statements, either
oral or in written form, concerning the subject matter of this Lease. No
alteration, modification, amendment or interpretation of this Lease shall be
binding on the parties unless contained in a writing which is signed by both
parties.

(g) SEPARABILITY: The Provisions of this Lease shall be considered separable
such that if any provision or part of this Lease is ever held to be invalid,
void or illegal under any law or ruling, all remaining provisions of this Lease
shall remain in full force and effect to the maximum extent permitted by law.

(h) RECORDING: Neither Lessor nor Lessee shall record this Lease nor a short
form memorandum thereof without the consent of the other.

(i) COUNTERPARTS: This Lease may be executed in one or more counterparts, each
of which shall constitute an original and all of which shall be one and the same
agreement.

(j) NONDISCLOSURE OF LEASE TERMS: Lessee acknowledges and agrees that the terms
of this Lease are confidential and constitute proprietary information of Lessor.
Disclosure of the terms could adversely affect the ability of Lessor to
negotiate other leases and impair Lessor's relationship with other lessees.
Accordingly, Lessee agrees that it, and its partners, officers, directors,
employees, agents and attorneys, shall not intentionally and voluntarily
disclose the terms and conditions of this Lease to any newspaper of other
publication or any other lessee or apparent prospective lessee of the Building
or other portion of the Development, or real estate agent, either directly or
indirectly, without the prior written consent of Lessor, provided, however,
that Lessee may disclose the terms to prospective sublessees or assignees under
this Lease.

(k) NON-DISCRIMINATION: Lessee AND LESSOR acknowledge and agree that there shall
be no discrimination against, or segregation of, any person, group of person,
or entity on the basis of race, color, creed, religion, age, sex, marital
status, national origin, or ancestry in the leasing, subleasing, transferring,
assignment, occupancy, tenure, use, or enjoyment of the Premises, or any portion
thereof.

39. EXECUTION OF LEASE:

(a) JOINT AND SEVERAL OBLIGATIONS: If more than one person or entity executes
this Lease as Lessee, their execution of the Lease will constitute their
covenant and agreement that (i) each of the them is jointly and severally liable
for the keeping, observing and performing of all of the terms, covenants,
conditions, provisions and agreements of this Lease to be kept, observed and
performed by Lessee, and (ii) the term "Lessee" as used in this Lease means and
includes each of them jointly and severally. The act of or notice from, or
noticed or refund to, or the signature of any one or more of them, with respect
to the tenancy of this Lease, including, but not limited to, any renewal,
extension, expiration, termination or modification of this Lease as Lessee with
the same force and effect as if each and all of them had so acted or so given or
received which notice or refund of so signed.

(b) LESSEE AS CORPORATION OR PARTNERSHIP: If Lessee executes this Lease as a
corporation, limited liability company, or partnership, then Lessee and the
persons executing this Lease on behalf of Lessee represent and warrant that such
entity is duly qualified and in good standing to do business in California and
that the individuals executing this Lease on Lessee's behalf are duly authorized
to execute and deliver this Lease on its behalf, and in the case of a
corporation, in accordance with a duly adopted resolution of the board of
directors of Lessee, a copy of which is to be delivered to Lessor on execution
hereof, if requested by Lessor, and in accordance with the by-laws of Lessee,
and, in the case of a limited liability in accordance the operating agreement
and any amendments thereto, and, in the case of a partnership, in accordance
with the partnership agreement and the most current amendments thereto, if any,
copies of which are to be delivered to Lessor on execution hereof, if requested
by Lessor, and that this Lease is binding upon Lessee in accordance with its
terms.

                                       21
<PAGE>   27

(c) EXAMINATION OF LEASE: Submission of this instrument by Lessor to Lessee for
examination or signature by Lessee does not constitute a reservation of or
option for lease, and it is not effective as a lease or otherwise until
execution by and delivery to both Lessor and Lessee.

IN WITNESS WHEREOF, the parties have caused this Lease to be duly executed by
their duly authorized representatives as of the date first above written.

LESSOR:

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

LESSEE:

By: /s/ PETER H. CHEESBROUGH
   ----------------------------------
Print Name: Peter H. Cheesbrough
           --------------------------
Print Title: SR. VP Finance & CFO
            -------------------------

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

                                       22
<PAGE>   28

                                  [FLOOR PLAN]

                                                                         INITIAL
                                                                           PC
<PAGE>   29

                                   EXHIBIT "B"

                        ADJUSTMENTS TO MONTHLY BASE RENT

Beginning March 1, 2001 through February 28, 2002 the monthly rent shall be
$16,398.48, due on the first day of each month.

Beginning March 1, 2002 through February 28, 2003 the monthly rent shall be
$16,843.40, due on the first day of each month.

                                    INITIAL
                                    -------
                                    /s/ PHC

                                       24

<PAGE>   30

                                   EXHIBIT "C"

                           DESCRIPTION OF LESSORS WORK

Lessor at his sole cost and expense shall have the Premises thoroughly cleaned,
carpets professionally steam cleaned, and apply building standard paint to and
walls, doorways that do not have any wall covering fabric or paper.

                                    INITIAL
                                    -------
                                    /s/ PHC

                                       25

<PAGE>   31

                                   EXHIBIT "D"

                         LESSEE'S INSURANCE REQUIREMENTS

This outlines the insurance requirements of your Lease. To assure compliance
with theses terms, we suggest you send a copy of this Exhibit to your insurer or
agent. Initial Certificates and endorsements must be provided to Lessor prior to
occupancy of the Premises and renewals ten (10) days before expiration.

         1. Comprehensive or Commercial General Liability Insurance:

            $1,000,000. Combined Single Limit, each occurrence.

            $1,000,000. Aggregate (minimum) this location.

            $1,000,000. Products/Completed Operations Aggregate.

            $50,000. Fire Legal Liability Limit, per fire, Bodily Injury,
            Property Damage, Personal Injury and Advertising Injury; Blanket
            Contractual Liability - Covering Indemnity Section 18(b); Products
            and Completed Operations Liability; Lessor as an Additional Insured;
            Severability of Interest, permitting Cross liability among insured;
            provision stating that lessee's insurance is primary and
            non-contributing with any insurance carried by Lessor.

         2. Lessee's Property Insurance:

            All Risks coverage of Property owned by Lessee or for which the
            Lessee is legally liable; full replacement cost basis.

         3. Lessee's Business Interruption Insurance:

All Risks coverage of operations as leased premises; covering one-years
business interruption due to insured peril.

         4. Lessee's Workers' Compensation and Employer's Liability
            Insurance:

            Statutory Limits and terms required by State; $1,000,000.
            Employer's Liability Limit:

All insurance is to be with licensed insurers having a Best's rating of "A X" or
better, and must include the following:

     Waiver of Subrogation in favor of BOTH PARTIES Thirty (30) day pre-notice
of cancellation/non renewal to Lessor.

                                       26

<PAGE>   32

SEND CERTIFICATE AND ENDORSEMENT TO:

Foster Enterprises
400 So. El Camino Real, Suite 1400
San Mateo, California 94402

PLEASE INCLUDE ADDRESS OF PREMISES.

                                    INITIAL
                                    -------
                                    /s/ PHC

                                       27
<PAGE>   33

                                   EXHIBIT "E"

                       DEFINITION OF OPERATING EXPENSES

1. ITEMS INCLUDED IN OPERATING EXPENSES. The term "Operating Expenses" as used
in the Lease to which this Exhibit "E" is attached means: all costs and expenses
of operation and maintenance of the Building and the Common Areas (as such terms
are defined in the Lease), as determined by standard accounting practices,
calculated assuming the Building is ninety-five percent (95%) occupied,
including the following costs by way of illustration but not limitation, but
excluding those items specifically set forth in Paragraph 3 below: (a) Real
Property Taxes and Assessments (as defined in PARAGRAPH 2 below) and any taxes
or assessments imposed in lieu thereof; (b) any and all assessments imposed with
respect to the Building pursuant to any covenants, conditions and restrictions
affecting the Development, the Common Areas or the Building; (c) water and sewer
charges and the costs of electricity, heating, ventilating, air conditioning and
other utilities; (d) utilities surcharges and any other costs, levies or
assessments resulting from statutes or regulations promulgated by any government
or quasi-government authority in connection with the use, occupancy or
alteration of the Building or the premises or the parking facilities serving the
Building or the Premises; (e) costs of insurance obtained by Lessor pursuant to
PARAGRAPH 19 of the Lease; (f) waste disposal and janitorial services; (g)
security; (h) labor; (i) costs incurred in the management of the Building,
including, without limitation; (i) supplies, (ii) wages and salaries (and
payroll taxes and similar governmental charges related thereto) of employees
used in the management, operation and maintenance of the Building, (iii)
Building management office rental, supplies, equipment and related operating
expenses, and (iv) a management/administrative fee determined as a percentage of
the annual gross revenues of the Building exclusive of the proceeds of financing
or a sale of the Building and an administrative fee for the management of the
Development Common Area determined as a percentage of Development Common Area
Operating Expenses; (j) supplies, materials, equipment and tools including
rental of personal property used for maintenance; (k) repair and maintenance of
the elevators and the structural portions of the Building, including the
plumbing, heating, ventilating, air-conditioning and electrical systems
installed or furnished by Lessor; (l) maintenance, costs and upkeep of all
parking and Development Common areas; (m) depreciation on a straight line basis
and rental of personal property used in maintenance; (n) amortization on a
straight line basis over the useful life [together with interest at the Interest
Rate on the unamortized balance] of all capitalized expenditures which are: (i)
reasonably intended to produce a reduction in operating charges or energy
consumption; or (ii) required under any governmental law or regulation that was
not applicable to the Building at the time it was originally constructed; or
(iii) for replacement of any Building equipment needed to operate the Building
at the same quality levels as prior to the replacement; (o) costs and expenses
of gardening and landscaping; (p) maintenance of signs (other than signs of
Lessees of the Building); (q) personal property taxes levied on or attributable
to personal property used in connection with the Building or the Common Areas;
(r) reasonable accounting, audit, verification, legal and other consulting fees,
and (s) costs and expenses of repairs, resurfacing, repairing, maintenance,
painting, lighting, cleaning, refuse removal, security and similar items,
including appropriate reserves. When calculating Operating Expenses for
purposes of establishing Lessee's Base Operating Expense, Operating Expenses
shall not include Real Property Taxes and Assessments attributable to special
assessments, charges, costs, or fees or due to modifications or changes in
governmental laws or regulations including, but not limited to, the institution
of a split tax roll, and shall exclude market-wide labor-rate increases due to
extraordinary circumstances including, but not limited to, boycotts and strikes
and utility increases due to extraordinary circumstances including, but
not limited to, conservation surcharges, boycotts, embargos or other shortages.

2. REAL PROPERTY TAXES AND ASSESSMENTS. The term "Real Property Taxes and
Assessments", as used in this Exhibit "E," means: any form of assessment,
license fee, license tax, business license fee, commercial rental tax, levy
charge, improvement bond, tax or similar imposition imposed by any authority
having the direct power to tax, including any city, county, state or federal
government, or any school, agricultural, lighting, drainage or other improvement
or special assessment district thereof, as against any legal or equitable
interest of Lessor in the Premises, Building, Common Areas or the Development
(as such terms are defined in the Lease), adjusted to reflect an assumption that
the Building is fully assessed for real property tax purposes as a completed
building ready for occupancy, including the following by way of illustration but
not limitation: (a) any tax on Lessor's "right" to rent or "right" to other
income from the Premises or as against Lessor's business of leasing the
Premises; (b) any assessment, tax, fee, levy or charge in substitution,
partially or totally, of any assessment, tax, fee, levy or charge previously
included within the definition of real property tax, it being acknowledged by
Lessee and Lessor that Proposition 13 was adopted by the voters of the State of
California in the June,

                                       28

<PAGE>   34

1978 election and that assessments, taxes, fees, levies and charges may be
imposed by governmental agencies for such services as fire protection, street,
sidewalk and road maintenance, refuse removal and for other governmental
services formerly provided without charge to property owners or occupants. It is
the intention of Lessee and Lessor that all such new and increased assessments,
taxes, fees, levies and charges be included within the definition of "real
property taxes" for the purposes of this Lease; (c) any assessment, tax, fee,
levy or charge allocable to or measured by the area of the premises or other
premises in the Building or the rent payable by Lessee hereunder or other
lessees of the Building, including, without limitation, any gross receipts tax
or excise tax levied by state, city or federal government, or any political
subdivision thereof, with respect to the receipt of such rent, or upon or with
respect to the possession, leasing, operation, management, maintenance,
alteration, repairs, use or occupancy by Lessee of the Premises, or any portion
thereof but not on Lessor's other operations; (d) any assessment, tax, fee, levy
or charge upon this transaction or any document to which Lessee is a party,
creating or transferring an interest or an estate in the Premises; and/or (e)
any assessment, tax, fee, levy or charge by any governmental agency related to
any transportation plan, fund or system (including assessment districts)
instituted within the geographic area of which the Building is a part.

Notwithstanding the foregoing, if at any time after the Commencement Date, the
amount of Real Property Taxes and Assessments decreases, then for purposes of
all subsequent Lease Years, including the Lease Year in which such decrease in
Real Property Taxes and Assessments occurs, Lessee's Base Operating Expense
shall be decreased by an amount equal to such decrease in Real Property Taxes
and Assessments.

      3. ITEMS EXCLUDED FROM OPERATING EXPENSES. Notwithstanding the provisions
         of PARAGRAPHS 1 AND 2 above to the contrary, "Operating Expenses" will
         not include: (a) Lessor's federal or state OR NET income, franchisee,
         inheritance TRANSFER, GIFT, or estate taxes; (b) any ground lease
         rental; (c) costs incurred by Lessor for the repair of damage to the
         Building to the extent that Lessor is reimbursed by insurance or
         condemnation proceeds or by lessees, warrantors or other third persons;
         (d) depreciation, amortization and interest payments, except as
         specifically provided herein, and except on materials, tools, supplies
         and vendor-type equipment purchased by Lessor to enable Lessor to
         supply services Lessor might otherwise contract for with a third party,
         where such depreciation, amortization and interest payments would
         otherwise have been included in the charge for such third party's
         services, all as determined in accordance with standard accounting
         practices; (e) brokerage commissions, finders' fees, attorneys' fees,
         space planning costs and other costs incurred by Lessor in leasing or
         attempting to lease space in the Building; (f) costs of a capital
         nature, including, without limitation, capital improvements, capital
         replacements, capital repairs, capital equipment and capital tools, all
         as determined in accordance with standard accounting practices;
         provided, however, the capital expenditures set forth in Subparagraph
         1(n) above will in any event be included in the definition of Operating
         Expenses; (g) interest, principal, points and fees on debt or
         amortization on any mortgage, deed of trust or other debt encumbering
         the Building or the Development; (h) costs, including permit, license
         and inspection costs, incurred with respect to the installation of
         lessee improvements for lessees in the Building (including the original
         Lessee Improvements for the Premises), or incurred in renovating or
         otherwise improving, decorating, painting or redecorating space for
         lessees or other occupants of the Building, including space planning
         and interior design costs and fees; (i) attorneys' fees and other costs
         and expenses incurred in connection with negotiations or disputes with
         present or prospective lessees or other occupants of the Building;
         provided, however, that Operating Expenses will include those
         attorneys' fees and other costs and expenses incurred in connection
         with negotiations, disputes or claims relating to items of Operating
         Expenses, enforcement of rules and regulations of the Building, and
         such other matters relating to the maintenance of standards required of
         Lessor under the Lease; (j) except for the administrative/management
         fees described in SUBPARAGRAPH 1(i) above, costs of Lessor's general
         corporate overhead, (k) all items and services for which Lessee or any
         other lessee in the Building reimburses Lessor (others than through
         operating expenses pass-through provisions); (1) electric power costs
         for which any lessee directly contracts with the local public service
         company; and (m) costs arising from Lessor's charitable or political
         contributions.

                                       29

<PAGE>   35

                                   EXHIBIT "F"

                      STANDARDS FOR UTILITIES AND SERVICES

The following standard for utilities and services are in effect. Lessor reserves
the right to adopt nondiscriminatory modifications and additions hereto.

Subject to the terms and conditions of the Lease and provided Lessee remains in
occupancy of the Premises, Lessor will provide or make available the following
utilities and services:

1. Provide non-attended automatic elevator facilities Monday through Friday,
except holidays, from 6:00 a.m. to 10:00 p.m., and have one elevator available
for Lessee's use at all other times.

2. On Monday through Friday, except holidays from 6:00 a.m. to 12:00 a.m. (and
other times at a reasonable hourly additional charge fixed by Lessor), ventilate
the Premises and furnish air conditioning or heating on such days and hours,
when in the reasonable judgment of Lessor it may be required for the comfortable
occupancy of the Premises. The air conditioning system achieves maximum cooling
when the window coverings are extended to the full length of the window opening
and adjusted to a 45 degree angle upwards. Lessor will not be responsible for
room temperatures if Lessee does not keep all window coverings in the Premises
extended to the full length of the window opening and - adjusted to a 45 degree
angle upwards whenever the system is in operation. Lessee agrees to cooperate
fully at all times with Lessor, and to abide by all reasonable regulations and
requirements which Lessor may prescribe for the proper function and protection
of said air conditioning system. Lessee agrees not to connect any apparatus,
device, conduit or pipe to the chilled and hot water air conditioning supply
lines of the Building. Lessee further agrees that neither Lessee nor its
servants, employees, agents, visitors, licensees or contractors shall at any
time enter the mechanical installations or facilities of the Building or the
Development or adjust, tamper with, touch or otherwise in any manner affect said
installations or facilities. The cost of maintenance and service calls to adjust
and regulate the air conditioning system will be charged to Lessee if the need
for maintenance work results from either Lessee's adjustment of room thermostats
or Lessee's failure to comply with its obligations under this Exhibit, including
keeping window coverings extended to the full length of the window opening and
adjusted to a 45 degree angle upwards. Such work will be charged at hourly rates
equal to then-current journeyman's wages for air conditioning mechanics.

3. Lessor will make available to the Premises, 24 hours per day, seven days a
week, electric current as required by the Building standard office lighting and
fractional horsepower office business machines including copiers, personal
computer and word processing equipment in an amount not to exceed six (6) watts
per square foot per normal business day. Lessee agrees, should its electrical
installation or electrical consumption be in excess of the aforesaid quantity or
extend beyond normal business hours, to reimburse Lessor monthly for the
measured consumption at the average cost per kilowatt hour charged to the
building during the period. If a separate meter is not installed at Lessee's
cost, such excess cost will be established by an estimate agreed upon by Lessor
and Lessee, and if the parties fail to agree, such cost will be established by
an independent licensed engineer selected in Lessors reasonable discretion,
whose fee shall be shared equally be Lessor and Tenet. Lessee agrees not to use
any apparatus or device in, upon or about the Premises (other than standard
office business machines, personal computers and work processing equipment)
which may in any way increase the amount of such services usually furnished or
supplied to said Premises, and Lessee further agrees not to connect any
apparatus or device with wires, conduits or pipes, or other means by which such
services are supplied, for the purpose of using additional or unusual amounts of
such services without the written consent of Lessor. Should Lessee use the same
to excess, the refusal on part of Lessee to pay upon demand of Lessor the amount
established by Lessor for such excess charge will constitute a breach of the
obligation to pay rent under this Lease and will entitle Lessor to the rights
therein granted for such breach. Lessee's use of electric current will never
exceed the capacity of the feeders to the Building, or the risers or wiring
installation and Lessees will not install or use or permit the installation of
use of any computer or electronic data processing equipment in the Premises
(except standard office business machines, personal computers and word
processing equipment) without the prior written consent of Lessor.

4. Water will be available in public and for drinking and lavatory purposes
only, but if Lessee requires, uses or consumes water for any purpose in addition
to ordinary drinking and lavatory purposes, of which fact Lessee constitutes

                                       30

<PAGE>   36

Lessor to be the sole judge, Lessor may install a water meter and thereby
measure Lessee's water consumption for all purposes. Lessee agrees to pay Lessor
for the cost of the meter and the cost of the installation thereof and
throughout the duration of Lessee's occupancy Lessee will keep said meter and
installation equipment in good working order and repair at Lessee's own cost and
expense, in default of which Lessor may cause such meter and equipment to be
replaced or repaired and collect the cost thereof from Lessee. Lessee agrees to
pay for water consumed, as shown on such meter, as and when bills and rendered,
and on default in making such payment, Lessor may pay such charges and collect
the same from Lessee. Any such costs or expenses incurred, or payments made by
Lessor for any of the reasons or purposes hereinabove stated will be deemed to
be additional rent payable by Lessee and collectible by Lessor as such.

5. Lessor will provide janitor service to the Premises, provided the same are
used exclusively as offices, and are kept reasonably in order by Lessee, and
unless otherwise agreed to by Lessor and Lessee no one other than persons
approved by Lessor shall be permitted to enter the Premises for such purposes.
If the Premises are not used exclusively as offices, they will be kept clean and
in order by Lessee, at Lessee's expense, and to the satisfaction of Lessor, and
by persons approved by Lessor. Lessee agrees to pay to Lessor the cost of
removal of any of Lessee's refuse and rubbish to the extend that the same
exceeds the refuse and rubbish usually attendant upon the use of the Premises as
offices.

6. Lessor reserves the right to stop service of the elevator, plumbing,
ventilation, air conditioning and electrical systems, when necessary, by reason
of accident or emergency or for repairs, alterations or improvements, when in
the judgment of Lessor such actions are desirable or necessary to be made, until
said repairs, alterations or improvements shall have been completed, and Lessor
will have no responsibility or liability for failure to supply elevator
facilities, plumbing, ventilating, air conditioning or electric service, when
prevented from so doing by strike or accident or by any cause beyond Lessor's
reasonable control, or by laws, rules orders, ordinances, directions,
regulations or by reason of the requirements of any federal, state, county or
municipal authority or failure of gas, oil or other suitable fuel supply or
inability by exercise of reasonable diligence to obtain gas, oil or other
suitable fuel supply. It is expressly understood and agreed that any covenants
on Lessor's part to furnish any services pursuant to any of the terms,
covenants, conditions, provisions or agreements of this Lease, or to perform any
act or thing for the benefit of Lessee, will not be deemed breached if Lessor is
unable to furnish or perform the same by virtue of a strike of labor trouble or
any other cause whatsoever beyond Lessor's control.

                                       31
<PAGE>   37
                                   "EXHIBIT G"

                   HAZARDOUS MATERIALS DISCLOSURE CERTIFICATE

Your cooperation in this matter is appreciated. Initially, the information
provided by you in the Hazardous Materials Disclosure Certificate is necessary
for the Lessor (identified below) to evaluate and finalize a lease agreement
with you as the Lessee. After a lease agreement is signed by you and the Lessor
(the "LEASE AGREEMENT"), on an annual basis in accordance with the provisions of
SECTION 29 of the signed LEASE AGREEMENT, you are to provide an update to the
information initially provided by you in this certificate. The information
contained in the initial Hazardous Materials Disclosure Certificate and each
annual certificate provided by you thereafter will be maintained in
confidentiality by Lessor subject to release and disclosure as required by (i)
any lenders and owners and their respective environmental consultants, (ii) any
prospective purchaser(s) of all or any portion of the property on which the
Premises are located, (iii) Lessor to defend itself or its lenders, partners or
representatives against any claim or demand, and (iv) any laws, rules,
regulations, orders, decrees, or ordinances, including, without limitation,
court orders or subpoenas. Any and all capitalized terms used herein, which are
not otherwise defined herein, shall have the same meaning ascribed to such term
in the signed LEASE AGREEMENT. Any questions regarding this certificate should
be directed to, and when completed, the certificate should be delivered to:

LESSOR:   FOSTER ENTERPRISES
          400 SO. EL CAMINO REAL, SUITE 1400
          SAN MATEO, CALIFORNIA 94402
          ATTEN:
                 ---------------------------
          PHONE: (650) 349-1244

Name of (Prospective)
Tenant:
        -----------------------------------------------------------------------

Mailing
Address:
         ----------------------------------------------------------------------

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

Contact Person:                         Telephone Number:
                 ----------------------                    --------------------

Address of (Prospective)
Premises:
          ---------------------------------------------------------------------

Length of (Prospective) initial Term:
                                     ------------------------------------------

1.      GENERAL INFORMATION:

        Describe the initial proposed operations to take place in, on, or about
        the Premises, including, without Limitation, principal products
        processed, manufactured or assembled service and activities to be
        provided Otherwise conducted. Existing tenants should describe any
        proposed changes to on-going operations.

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

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

2.      USE, STORAGE AND DISPOSAL OF HAZARDOUS MATERIALS

                                       32
<PAGE>   38

        2.1 Will any Hazardous Materials be used, generated, stored or disposed
            of in, on, or about the Premises? Existing tenants should described
            any Hazardous Materials which continue to be used, generated, stored
            or disposed of in, on or about the Premises.

            Wastes:                Yes        No
                                       ----        ----
            Chemical Products:     Yes        No
                                       ----        ----
            Other:                 Yes        No
                                       ----        ----

            If Yes, is marked please explain:
                                             ----------------------------------

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

        2.2 If Yes is marked in Section 2.1 attach a list of any Hazardous
            Materials to be used, general, stored or disposed of in, on or about
            the Premises, including the applicable hazard class and an estimate
            of the quantities of such Hazardous Materials at any given time,
            estimated annual throughput, the proposed location(s)) and method
            of storage (excluding nominal amounts of ordinary household cleaners
            and janitorial supplies which are not regulated by any Environmental
            Laws); and the proposed location(s) and method of disposal for each
            Hazardous Material, including, the estimated frequency, and the
            proposed contractors or subcontractors. Existing tenants should
            attach a list setting forth the information requested above and such
            list should include actual data from on-going operations and the
            identification of any variations in such information from the prior
            years Certificate.

3.      STORAGE TANKS AND SUMPS

        3.1 Is any above or below ground storage of gasoline, diesel, petroleum,
            or other Hazardous Materials in tanks or sumps proposed in, on or
            about the Premises? Existing tenants should describe any such actual
            or proposed activities.

            Yes        No
                ----        ----

            If Yes, please explain:
                                    -------------------------------------------

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

            -------------------------------------------------------------------
4.      WASTE MANAGEMENT

        4.1 Has your company been issued an EPA Hazardous Waste Generator I.D.
            Number? Existing tenants should describe any additional
            identification numbers issued since the previous certificate.

            Yes        No
                ----        ----

        4.2 Has your company filed a biennial or quarterly reports as a
            hazardous waste generator? Existing tenants should describe any new
            reports filed.

            Yes        No
                ----        ----

            If Yes, attach a copy of the most recent report filed.

                                       33
<PAGE>   39

5.      WASTE WATER TREATMENT AND DISCHARGE

        5.1 Will your company discharge wastewater or other wastes to:

            Storm drain?                    Sewer?
                          ------                  ------

            Surface water?                  No wastewater or other wastes
                                            discharged
                           ------                      ------

            Existing tenants should indicate any actual discharges. If so,
            describe the nature of any proposed or actual discharge(s).

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

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

        5.2 Will any such wastewater or waste be treated before discharge?

            Yes        No
                ----        ----

        If Yes, describe the type of treatment proposed to be conducted.
        Existing tenants should describe the actual treatment conducted.

6.      AIR DISCHARGES

        6.1 Do you plan for any air filtration systems or stacks to be used in
            your company's operations in, on, or about the Premises that will
            discharge into the air; and will such air emissions be monitored?
            Existing tenants should indicate whether or not there are any such
            air filtration systems or stacks in use in, on, or about the
            Premises which discharge into the air and whether such air emissions
            are being monitored.

            Yes        No
                ----        ----

            If Yes, please describe:
                                     ------------------------------------------

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

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

        6.2 Do you propose to operate any of the following types of equipment,
            or any other equipment requiring an air emissions permit? Existing
            tenants should specify any such equipment being operated in, on or
            about the Premises.

            Spray booth(s):                  Incinerator(s):
                          ------                            ------

            Dip tank(s):                     Other (Please describe):
                          ------

            Drying oven(s):                  No Equipment Requiring Air
                          ------               Permits:
                                                       --------
            If Yes, please describe:
                                    -------------------------------------------

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

            -------------------------------------------------------------------
7.      HAZARDOUS MATERIALS DISCLOSURES

        7.1 Has your company prepared or will it be required to prepare a
            Hazardous Materials management plan ("Management Plan") pursuant to
            Fire Department or other governmental or regulatory

                                       34
<PAGE>   40

            agencies requirements? Existing tenants should indicate whether or
            not a Management Plan is required and has been prepared.

            Yes        No
                ----        ----

            If Yes, attach a copy of the Management Plan. Existing tenants
            should attach a copy of any required updates to the Management Plan.

        7.2 Are any of the Hazardous Materials, and in particular chemicals,
            proposed to be used in your operations in, on or about the Premises
            regulated under Proposition 65? Existing tenants should indicate
            whether or not there are any new Hazardous Materials being so used
            which are regulated under Proposition 65.

            Yes        No
                ----        ----

            If Yes, please explain:
                                   --------------------------------------------

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

8.      ENFORCEMENT ACTIONS AND COMPLAINTS

        8.1 With respect to Hazardous Materials or Environmental Laws, has your
            company ever been subject to any agency enforcement actions,
            administrative orders, or consent decrees or has your company
            received requests for information, notice or demand letters, or any
            other inquires regarding its operations? Existing tenants should
            indicate whether or not any such actions, orders or decrees have
            been, or are in the process or being, undertaken or if any such
            requests have been received.

            Yes        No
                ----        ----

            If Yes, describe the actions, orders or decrees and any continuing
            compliance obligations imposed as a result of these actions, orders
            or decrees and also describe any requests, notices or demands, and
            attach a copy of all such documents. Existing tenants should
            describe and attach a copy of any new actions, orders, decrees,
            requests, notices or demands not already delivered to Lessor
            pursuant to the provisions of SECTION 29 of the signed LEASE
            AGREEMENT.

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

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

        8.2 Have there ever been, or are there now pending, any lawsuits against
            your company regarding any environmental or health and safety
            concern?

            Yes        No
                ----        ----

            If yes, describe any such lawsuits and attach copies of the
            complaint(s), cross-complaint(s), pleadings and all other
            documents related thereto as requested by Landlord. Existing tenants
            should described and attach a copy of any new complaint(s),
            cross-complaint(s), pleadings and other related documents not
            already delivered to Lessor pursuant to the provisions of SECTION 29
            of the signed Lease Agreement.

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

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

                                       35
<PAGE>   41

        8.3 Have there been any problems or complaints from adjacent tenants,
            owners or other neighbors at your company's current facility with
            regard to environmental or health and safety concerns? Existing
            tenants should indicate whether or not there have been any such
            problems or complaints from adjacent tenants, owners or other
            neighbors at, about or near the Premises.

            Yes        No
                ----        ----

            If yes, please describe. Existing tenants should describe any such
            problems or complaints not already disclosed to Lessor under the
            provisions of the signed Lease Agreement.

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

9.      PERMITS AND LICENSES

        9.1 Attach copies of all Hazardous Materials permits and licenses issued
            to your company with respect to its proposed operations in, on or
            about the Premises, including, without limitation, any wastewater
            discharge permits, air emissions permits, and use permits or
            approvals. Existing tenants should attach copies of any new permits
            and licenses as well as any renewals of permits or licenses
            previously issued.

The undersigned hereby acknowledges and agrees that (A) this Hazardous Materials
Disclosure Certificate is being delivered in connection with, and as required
by, Lessor in connection with the evaluation and finalization of a Lease
Agreement and will be attached thereto as an exhibit; (B) that this Hazardous
Materials Disclosure Certificate is being delivered in accordance with, and as
required by, the provisions of SECTION 29 of the Lease Agreement; and (C) that
Tenant/Lessee shall have and retain full and complete responsibility and
liability with respect to any of the Hazardous Materials disclosed in the HazMat
Certificate notwithstanding Lessor's/Tenant's receipt and/or approval of such
certificate. Lessee further agrees that none of the following described acts or
events shall be construed or otherwise interpreted as either (a) excusing,
diminishing or otherwise limiting Lessee from the requirement to fully and
faithfully perform its obligations under the Lease with respect to Hazardous
Materials, including, without limitation, any duty on Lessor to investigate or
otherwise verify the accuracy of the representations and statements made therein
or to ensure that Lesse is in compliance with all Environmental Laws; (i) the
delivery of such certificate, (ii) Lessor's review and approval of such
certificate, (iii) Lessor's failure to obtain such certificate from Lessee at
any time, or (iv) Lessor's actual or constructive knowledge of the types and
quantities of Hazardous Materials being used, stored, generated, disposed of or
transported on or about the Premises by Lessee or Lessee's Representatives.
Notwithstanding the foregoing or anything to the contrary contained herein, the
undersigned acknowledges and agrees that Lessor and it partners, lenders and
representatives may, and will rely upon the statements, representations,
warranties, and certifications made herein and the truthfulness thereof, of the
Lease Agreement.

I (print name) ______________________________________, acting with full
authority to bind the (proposed) Lessee and on behalf of the (proposed) Lessee,
certify, represent and warrant that the information contained in this
certificate is true and correct.

(PROSPECTIVE) TENANT:

By:
    ------------------------------------                  INITIAL
                                                          -------
Title:                                                    /s/ PHC
       ---------------------------------
Date:
      ----------------------------------

                                       36
<PAGE>   42

                                   EXHIBIT "H"

                              RULES AND REGULATIONS

A. GENERAL RULES AND REGULATIONS. The following rules and regulations govern the
use of the Building and the Development Common Areas. Lessee will be bound by
such rules and regulations and agrees to cause Lessee's Authorized users, its
employees, sublessees, assignees, contractors, suppliers, customers and invitees
to observe the same.

1. Except as specifically provided in the Lease to which these Rules and
Regulations are attached, no sign, placard, picture, advertisement, name or
notice maybe installed or displayed on any part of the outside or inside of the
Building or the Development without the prior written consent of Lessor. Lessor
will have the right to remove, at Lessees expense and without notice, any sign
installed or displayed in violation of this rule. All approved signs or
lettering on doors and walls are to be printed, painted, affixed or inscribed at
the expense of Lessee and under the direction of Lessor by a person or company
designated or approved by Lessor.

2. If Lessor objects in writing to any curtains, blinds, shades, screens or
hanging plants or other similar objects attached to or used in connection with
any window or door of the Premises, or placed on any windowsill, which is
visible from the exterior of the Premises, Lessee will immediately discontinued
such use. Lessee agrees not to place anything against or near glass partitions
of doors or windows which may appear unsightly from outside the Premises
including from within any interior common areas.

3. Lessee will not obstruct any sidewalks, halls, passages, exits, entrances,
elevators, escalators, or stairways of the Development. The halls, passages,
exits, entrances, elevators and stairways are not open to the general public,
but are open, subject to reasonable regulation, to Lessee's business invitees.
Lessor will in all cases retain the right to control and prevent access thereto
of all persons whose presence in the reasonable judgment of Lessor would be
prejudicial of the safety, character, reputation and interest of the Development
and its lessees, provided that nothing herein contained will be construed to
prevent such access to persons with whom any lessee normally deals in the
ordinary course of its business, unless such persons are engaged in illegal or
unlawful activities. No lessee and no employee or invitee of any lessee will go
on the roof of the Building.

4. Lessee will not obtain for use on the Premises ice, drinking water, food,
food vendors, beverage, towel or other similar services or accept barbering or
bootblacking service upon the Premises, except at such reasonable hours and
under such reasonable regulations as maybe fixed by Lessor. Lessor expressly
reserves the right to absolutely prohibit solicitation, canvassing, distribution
of handbills or any other written material, peddling, sales and displays of
products, goods and wares in all portions of the Development except as may be
expressly permitted under the Lease. Lessor reserves the right to restrict and
regulate the use of the common areas of the Development and Building by invitees
of lessees providing services to lessees on a periodic or daily basis including
food and beverage vendors. Such restrictions may include limitations on time,
place, manner and duration of access to a lessee's premises for such purposes.
Without limiting the foregoing, Lessor may require that such parties use service
elevators, halls, passageways and stairways for such purposes to preserve access
within the Building for lessees and the general public.

5. Lessor reserves the right to require lessee to periodically provide Lessor
with a written list of any and all business invitees which periodically or
regularly provide goods and services touch lessees at the premises. Lessor
reserves the right to preclude all vendors from entering or conducting business
within the Building and the Development if such vendors are not listed on a
lessee's list of requested vendors.

6. Lessor reserves the right to exclude from the Building between the hours of
6:00 p.m., and 8:00 a.m. the following business day, or such other hours as may
be established from time to time by Lessor, and on Sundays and legal holidays,
any person unless that person is known to the person or employee in charge of
the Building or has a pass or is properly identified. Lessee will be responsible
for all persons for whom it requests passes and will be liable to Lessor for all
acts of such persons. Lessor will not be liable for damages for any error with
regard to the admission to or exclusion from

                                       37
<PAGE>   43

the Building of any person. Lessor reserves the right to prevent access to the
Building in case of invasion, mob, riot, public excitement or other commotion by
closing the doors or by other appropriate action.

7. The directory of the Building or the Development will be provided exclusively
for the display of the name and location of lessees only and Lessor reserves the
right to exclude any other names therefrom.

8. All cleaning and janitorial services for the Development and the Premises
will be provided exclusively through Lessor, and except with the written consent
of Lessor, no person or persons other than those approved by Lessor will be
employed by Lessee or permitted to enter the Development for the purpose of
cleaning the same. Lessee will not cause any unnecessary labor by carelessness
or indifference to the good order and cleanliness of the Premises.

9. Lessor will furnish Lessee, free of charge, with two keys to each door lock
in the Premises. Lessor may make a reasonable charge for any additional keys.
Lessee shall not make or have made additional keys, and Lessee shall not alter
any lock or install any new additional lock or bolt on any door of the Premises.
Lessee, upon the termination of its tenancy, will deliver to Lessor the keys to
all doors which have been furnished to Lessee, and in the event of loss of any
keys so furnished, will pay Lessor therefor.

10. If Lessee requires telegraphic, telephonic, burglar alarm, satellite dishes,
antennae or similar services, it will first obtain Lessor's approval, and comply
with, Lessor's reasonable rules and requirements applicable to such services,
which may include separate licensing by, and fees paid to, Lessor.

11. Freight elevator(s) will be available for use by all lessees in the
Building, subject to such reasonable scheduling as Lessor, in its discretion,
deems appropriate. No equipment, materials, furniture, packages, supplies,
merchandise or other property will be received in the Building or carried in the
elevators except between such hours and in such elevators as may be designated
by Lessor. Lessee's initial move in and subsequent deliveries of bulky times,
such as furniture, safes and similar items will, unless others agreed in writing
by Lessor, be made during the hours of 6:00 p.m. to 6:00 a.m. or on Saturday or
Sunday. Deliveries during normal office hours shall be limited to normal office
supplies and other small items. No deliveries will be made which impede or
interfere with other lessees or the operation of the Building.

12. Lessee will not place a load upon any floor of the Premises which exceeds
the load per square foot which such floor was designed to carry and which is
allowed by law. Lessor will have the right to reasonably prescribe the weight,
size and position of all safes, heavy equipment, files, materials, furniture or
other property brought into the Building. Heavy objects will, if considered
necessary by Lessor, stand on such platforms as determined by Lessor to be
necessary to properly distribute the weight, which platforms will be provided at
Lessee's expense. Business machines and mechanical equipment belonging to
Lessee, which cause noise or vibration that may be transmitted to the structure
of the Building or to any space therein to such a degree as to be objectionable
to any lessees in the Building or Lessor, are to be placed and maintained by
Lessee, at Lessee's expense, on vibration eliminators or other devises
sufficient to eliminate noise or vibration. Lessee will be responsible for all
structural engineering required to determine structural load, as well as the
expense thereof. The person employed to move such equipment in or out of the
Building must be reasonably acceptable to Lessor. Lessor will not be responsible
for loss of, or damage to, any such equipment or other property from any cause,
and all damage done to the Building by maintaining or moving such equipment or
other property will repaired at the expense of Lessee.

13. Lessee will not use or keep in the Premises any kerosene, gasoline or
inflammable or combustible fluid or material other than those limited quantities
necessary for the operation or maintenance of office equipment. Lessee will not
use or permit to be used in the Premises any foul or noxious gas or substance,
or permit or allow the Premises to be occupied or used in a manner offensive or
objectionable to Lessor or other occupants of the Building by reason of noise,
odors or vibrations, nor will Lessee bring into or keep in or about the Premises
any birds or animals.

14. Lessee will not use any method of heating or air conditioning other than
that supplied by Lessor without Lessor's prior written consent.

                                     38
<PAGE>   44
15. Lessee will not electricity, water or air conditioning and agrees to
cooperate fully with Lessor to assure the most effective operation of the
Building's heating and air conditioning and to comply with any governmental
energy-saving rules, laws or regulations of which Lessee has actual notice, and
will refrain from attempting to adjust controls.

16. Lessor reserves the right, exercisable without notice and without liability
to Lessee, to change the name and street address of the Building. Without the
written consent of Lessor, Lessee will not use the name of the Building or the
Development in connection with or in promoting or advertising the business of
Lessee except as Lessee's address.

17. Lessee will close and lock the doors of its Premises and entirely shut off
all water faucets or other water apparatus, and lighting or gas before Lessee
and its employees leave the Premises. Lessee will be responsible for any damage
or injuries sustained by other lessees or occupants of the Building or by Lessor
for noncompliance with this rule.

18. The toilet rooms, toilets, urinals, wash bowls and other apparatus will not
be used for any purpose other than that for which they were constructed and no
foreign substance of any kind whatsoever shall be thrown therein. The expense of
any breakage, stoppage or damage resulting from any violation of this rule will
be borne by the lessee who, or whose employees or invitees, break this rule.
Cleaning of equipment of any type is prohibited. Shaving is prohibited.

19. Lessee will not sell, or permit the sale at retail of newspapers, magazines,
periodicals, theater tickets or any other good or merchandise to the general
public in or on the Premises. Lessee will not use the Premises for any business
or activity other than that specifically provided for in this Lease. Lessee will
not conduct, nor permit to be conducted, either voluntarily or involuntarily,
and auction upon the Premises without first having obtained Lessor's prior
written consent, which Lessor may withhold in its sole and absolute discretion.

20. Lessee will not install any radio or television antenna, loudspeaker,
satellite dishes or other devices on the roof(s) or exterior walls of the
Building or the Development. Lessee will not interfere with radio or television
broadcasting or reception from or in the Development or elsewhere.

21. Except for the ordinary hanging of pictures and wall decorations, Lessee
will not mark, drive nails, screw or drill into the partitions, woodwork or
plaster or in any way deface the Premises or any part thereof, except in
accordance with the provisions of the Lease pertaining to alterations. Lessor
reserves the right to direct electricians as to where and how telephone and
telegraph wires are to be introduced to the Premises. Lessee will not cut or
bore holes for wires. Lessee will not affix any floor covering to the floor of
the Premises in any manner except as approved by Lessor. Lessee shall repair any
damage resulting from noncompliance with this rule.

22. Lessee will not install, maintain or operate upon the Premises any vending
machines without the written consent of Lessor.

23. Lessor reserves the right to exclude or expel from the Development any
person who, in Lessor's judgment, is intoxicated or under the influence of
liquor or drugs or who is in violation of any of the Rules and Regulations of
the Building.

24. Lessee will store all its trash and garbage within its Premises or in other
facilities provided by Lessor. Lessee will not place in any trash box or
receptacle any material which cannot be disposed of in the ordinary and
customary manner of trash and garbage disposal. All garbage and refuse disposal
is to be made on accordance with directions issued from time to time by Lessor.

25. The Premises will not be used for lodging or for the storage of merchandise
held for sale to the general public, or for lodging or for manufacturing of any
kind, nor shall the Premises be used for any improper, immoral or objectionable
purpose. No cooking will be done or permitted on the Premises without Lessor's
consent, except the use by Lessee of Underwriters' Laboratory approved equipment
for brewing coffee, tea, hot chocolate and similar beverages shall be permitted,
and the use of a microwave oven for employees use will be permitted, provided
that such equipment and use is in accordance with all applicable federal, state,
county and city laws, codes, ordinances, rules and regulations.

26. Neither Lessee nor any of its employees, agents, customers and invitees may
use in any space or in the public halls of the Building or the Development any
hand truck except those equipped with rubber tires and side guards or such other

                                       39
<PAGE>   45

material-handling equipment as Lessor may approve. Lessee will not bring any
other vehicles of any kind into the Building.

27. Lessee agrees to comply with all safety, fire protection and evacuation
procedures and regulations established by Lessor or any governmental agency.

28. Lessee assume any and all responsibility for protecting its Premises from
theft, robbery and pilferage, which includes keeping doors locked and other
means of entry to the Premises closed.

29. To the extent Lessor reasonably deems it necessary to exercise exclusive
control over any portions of the Common Areas for the mutual benefit of the
lessees in the Building or the Development, Lessor may do so subject to
reasonable, non-discriminatory additional rules and regulations.

30. Lessor prohibits smoking in the Building.

31. Lessee's requirements will be attended to only upon appropriate application
to Lessor's asset management office for the Development by an authorized
individual of Lessee. Employees of Lessor will not perform any work or do
anything outside of their regular duties unless under special instructions form
Lessor, and no employee of Lessor will admit any person (Lessee of otherwise) to
any office without specific instructions from Lessor.

32. These Rules and Regulations are in addition to, and will not be construed to
in any way modify or amend, in whole or in part, the terms, covenants,
agreements and conditions of the Lease. Lessor may waive any one or more of
these Rules and Regulations for the benefit of Lessee of any other lessee, but
no such waiver by Lessor will be construed as a waiver of such Rules and
Regulations in favor of Lessee or any other lessee, nor prevent Lessor from
thereafter enforcing any such Rules and Regulations against any or all of the
lessees of the Development.

33. Lessor reserves the right to make such other and reasonable and
non-discriminatory Rules and Regulations as, in its judgment, may from time to
time be needed for safety and security, for care and cleanliness of the
Development and for the preservation of good order therein. Lessee agrees to
abide by all such Rules and Regulations herein above stated and any additional
reasonable and non-discriminatory rules and regulations which are adopted.
Lessee is responsible for the observance of all the foregoing rules by Lessee's
employees, agents, clients, customers, invitees and guests.

B. PARKING RULES AND REGULATIONS. The following rules and regulations govern the
use of the parking facilities which serve the Building. Lessee will be bound by
such rules and regulations and agrees to cause its employees, sublessees,
assignees, contractors, suppliers, customers and invitees to observe the same:

1. Lessee will not permit or allow any vehicles that belong to or are controlled
by Lessee or Lessee's employees, sublessees, customers or invitees to be loaded,
unloaded or parked in areas other than those designated by Lessor for such
activities. No vehicles are to be left in the parking areas overnight and no
vehicles are to be parked in the parking areas other than normally sized
passenger automobiles, motorcycle and pick-up trucks. No extended term storage
of vehicles is permitted.

2. Vehicles must be parked entirely within painted stall lines of a single
parking stall.

3. All directional signs and arrows must be observed.

4. The speed limit within all parking areas shall be five (5) miles per hour.

5. Parking is prohibited: (a) in areas not striped for parking; (b) in aisles or
on ramps; (c) where "no parking" signs are posted; (d) in cross-hatched areas;
and (e) in such other areas as may be designated from time to time by Lessor or
Lessor's parking operator.

6. Lessor reserves the right, without cost or liability to Lessor, to tow any
vehicle if such vehicle's audio theft alarm system remains engaged for an
unreasonable period of time.

                                       40
<PAGE>   46

7. Washing, waxing, cleaning or servicing of any vehicle in any area not
specifically reserved for such purpose is prohibited.

8. Lessor may refuse to permit any person to park in the parking facilities who
violates these rules with unreasonable frequency, and any violation of these
rules shall subject the violator's car to removal, at such car owner's expense.
Lessee agrees to use its best efforts to acquaint its employees, sublessees,
assignees, contractors, suppliers, customers and invitees with these parking
provisions, rules and regulations.

9. All damage or loss claimed to be the responsibility of Lessor must be
reported, itemized in writing and delivered to the management office within ten
(10) days after any claimed damage of loss occurs. Any claim not so made is
waived. Lessor is not responsible for damage by water or fire, or for the acts
or omission of other, of for articles left in vehicles. In any event, the total
liability of Lessor, if any, is limited to Two Hundred Fifty Dollars ($250.00)
for all damages of loss to any car. Lessor is not responsible for loss of use.

10. Lessor reserves the right, without cost or liability to Lessor, to tow any
vehicles which are used or packed in violation of these rules and regulations.

11. Lessor reserves the right from time to time to modify and/or adopt such
other reasonable and non-discriminatory rules and regulations for the parking
facilities as it deems reasonably necessary for the operation of the parking
facilities.

                                       41
<PAGE>   47
                                  EXHIBIT "I"

                                PARKING LICENSE

TO THE LEASE, WINCHESTER MALL BUILDING BETWEEN FOSTER ENTERPRISES, LESSOR AND
XCARE.NET, LESSEE.

Foster Enterprises, (herein called "Licensor") and Xcare.net (herein called
"Licensee") have executed simultaneously with this Parking License a Lease on
certain office space in the Winchester Mall Building located in the City of
Santa Clara and in the County of Santa Clara. In consideration of mutual
covenants, Licensor and Licensee agree as follows:

     1. Licensor hereby grants a License to Licensee for the use by Licensee of
six (6) reserved and thirteen (13) non-reserved parking spaces located adjacent
to said Premises upon the terms and conditions of this Parking License.

     2. The term of this License shall commence on March 1, 2000 and shall
continue automatically from month to month thereafter until terminated by
either party upon 30 days prior written notice.

     3. The rental shall be $N/A per month per non reserved parking space.
Rent shall be payable in advance and without notice. The first monthly payment
shall be due on N/A and subsequently monthly payments shall be due on the first
day of each succeeding month until the License is terminated. Tenant agrees
that Lessor shall have the right in its sole discretion to increase the
aforedescribed rental rate for said parking spaces upon 30 day notice.

     4. Licensee shall be entitled to designate use of its parking spaces to
specific individuals employed by it, but Licensee shall remain responsible for
all obligations to pay rent or to otherwise perform under this License. Licensee
shall have no right to assign this License EXCEPT IN THE EVENT OF AN ASSIGNMENT
OR SUBLEASE OF THE LEASE, and any attempt to do so shall make said License null
and void. Licensee agrees to provide Licensor upon request at the commencement
of this License with a listing of all vehicles given parking space designations
made by it, including names, vehicle models and colors, and license plate
numbers. Licensee shall provide Licensor promptly with revised listing of such
descriptions upon all changes to the vehicles on their parking space by users
of the spaces licensed to Licensee. Notwithstanding Licensee's obligation of
enforcement of such terms, Licensor shall have the right to directly ban any of
Licensee's designees from further use of any of the parking spaces for
violations of the terms of this License.

     5. Use of the parking spaces and facilities shall be subject to the
following rules:

        5.1 Designated users of parking spaces shall approach and leave the
parking facility and/or parking lots with due care for pedestrians, other
moving or parked vehicles, and doors, fences and other improvements in the
parking facility. Licensee will adhere to all posted speed limits.

       5.2 Designated users of parking spaces shall park only in spaces
designated by Licensor as authorized spaces for the portion of the complex or
building License occupies. Licensee shall not park in parking spaces designated
specifically for the parts of the complex, visitors spaces, or handicapped or
other specially designated spaces except as they apply to Licensee's needs.

       5.3 Designated users of parking spaces shall observe any special hours
of opening, closing and non-use of the parking facilities when closing are
necessitated for repairs, cleanings and rehabilitation's.

                                       42
<PAGE>   48
     6. Licensee has deposited with Licensor the sum of $N/A as security for the
full and faithful performance by Licensee of all the terms, covenants and
conditions of the License to be performed by Licensee. If License defaults with
respect to any provision of the License, Licensor may use, apply or retain all
or any part of this security deposit for the payment of any rent or other sum
due hereunder or to compensate Licensor for any loss or damage Licensor suffers
by reason of Licensee's default, and said security deposit shall not be
considered as liquidated damages. Licensee waives all claims to interest on
such deposit. In the event of termination of Licensor's interest in this
License, Licensor shall transfer the deposit to its successor in interest.
Licensee agrees that thereupon Licensor shall have no further liability to
return or account for the deposit.

LESSOR:                                 LESSEE:

By:                                     By:    [ILLEGIBLE]
    -----------------------------           ----------------------------

Title:                                  Title: Sr. VP Finance & CFO
       --------------------------              -------------------------

                                       43

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