Document:

Exhibit 10.1

                                ROYALTY AGREEMENT

     THIS ROYALTY  AGREEMENT  ("Agreement")  is made and entered into as of this
1st day of June 2005 (the "Effective  Date"), by and between  Landbank,  LLC and
its successors  ("Landbank"),  and John Beck Amazing  Profits,  LLC a California
limited liability company ("GRANTEE"), with reference to the following facts:

     A. GRANTEE is an affiliate of Landbank, through common indirect ownership.

     B. GRANTEE engages in direct-response marketing.

     C. Landbank are in the business of acquiring  parcels of land "in bulk" and
reselling this land as individual parcels.

     C. Landbank desires to acquire from GRANTEE, and GRANTEE desires to provide
to Landbank,  on the terms and  conditions  set forth herein,  access to certain
leads generated by GRANTEE as a result of its marketing activities ("Leads").

     NOW, THEREFORE, in consideration of the mutual  representations,  covenants
and  warranties  contained  herein and such other  valuable  consideration,  the
receipt and  sufficiency  of which is hereby  acknowledged,  the parties  hereby
agree as follows:

     1. Definitions.
        ------------

     1.1 "Gross  Profits"  means the total sales  price paid,  minus the Initial
Acquisition Cost, commissions, merchant fees, deed processing costs and returns.
"Returns" refer to sales, which sales are refunded in full within the designated
refund period.

     1.2 "Initial  Acquisition  Cost" means the aggregate of the purchase  price
and all  closing  and  other  direct  costs  incurred  and paid by  Landbank  in
connection  with the  initial  acquisition  of a  property,  including,  without
limitation, reasonable attorneys' fees, and the cost of any surveys, inspections
or other due  diligence on the property,  but excluding any taxes.  In the event
the property consists of a subdivided  portion of initially  acquired  property,
for purposes of determining  Initial Acquisition Costs, the purchase price shall
be determined on a pro rata per acre basis.

     1.3 "Lead" is defined in the preamble to this Agreement.

     1.4 "Bona Fide Lead"  means the name and  contact  information  of a person
that has actually purchased (and not returned) products sold by GRANTEE.

     1.5 "Term" is defined in Section 5.1.

     2. Grant of Rights.
        ----------------

     2.1 GRANTEE hereby agrees to provide Landbank,  on the terms and conditions
of this  Agreement,  the  right  during  the  Term to use the  information  from
GRANTEE's  Leads  for  the  purpose  of  marketing,   selling  and  distributing
Landbank's products and services. No right to license or sublicense the Leads or
the information contained therein is granted by GRANTEE to Landbank.

<PAGE>

     3. Royalties.
        ----------

     3.1 In  consideration  for the rights  and  privileges  granted  hereunder,
Landbank  shall pay to  GRANTEE in the manner  hereinafter  provided,  a royalty
payment  equal to 35% of Gross  Profits  generated  by  Landbank  from  sales to
GRANTEE Leads.

     3.2  Royalties  shall be paid  monthly for all sales  completed  during the
month, within fifteen (15) days of the end of each month.

     3.3 All payments herein shall be in U.S.  dollars by check or wire transfer
to GRANTEE's  designated bank account.  Any royalties remaining unpaid more than
fifteen  (15) days after the end of the month for which such  royalties  are due
shall thereafter bear interest at a monthly rate of 1.5%.

     4. Reports and Records.
        --------------------

     4.1 Landbank shall keep full, true and accurate books of account containing
all  particulars  that may be  necessary  for the  purpose of showing the amount
payable to GRANTEE by Landbank by way of royalties.  Said books shall be kept at
Landbank's  principal  place of business,  and shall be retained for a period of
five (5) years following the end of the calendar year to which they pertain.

     4.2 GRANTEE shall have the right,  not more than once every  calendar year,
upon  reasonable  notice,  to conduct an audit of said books and records for the
purpose of verifying Landbank's royalty statement.  The fees and expenses of any
such audit shall be borne by GRANTEE.  However,  if a deficiency in royalties of
more than 5% of the total royalties due in any calendar year is discovered, then
Landbank shall be responsible for reimbursing to GRANTEE the reasonable costs of
such audit.

     4.3 Landbank shall,  within thirty (30) days after the end of each calendar
quarter,  deliver to GRANTEE true and accurate reports,  giving such particulars
of the business conducted by Landbank during the preceding three-month period as
shall be pertinent to the royalty accounting under this Agreement.

     5. Term and Termination
        --------------------

     5.1 The term of this Agreement (the "Term") shall commence on the Effective
Date,  and  shall  expire  on the  tenth  anniversary  thereof,  unless  earlier
terminated hereunder. Unless either party elects in writing at least thirty (30)
days prior to the  expiration of the then current  Term,  this  Agreement  shall
continue for successive one (1) year Terms.

     5.2 If  Landbank  shall  become  bankrupt  or  insolvent,  or shall  file a
petition in  bankruptcy,  or if the business of Landbank  shall be placed in the
hands of a receiver,  assignee or trustee for the benefit of creditors,  whether
by voluntary act of Landbank or otherwise,  this Agreement  shall  automatically
terminate, to the extent permitted under applicable and prevailing law.

     5.3 Upon any material  breach of this Agreement by Landbank,  GRANTEE shall
have the right to terminate this Agreement and the rights and privileges granted
hereunder upon thirty (30) days written notice, unless Landbank shall have cured
any such breach prior to the expiration of said thirty (30) days.

     5.4 Landbank  shall have the right to terminate  this Agreement at any time
upon sixty (60) days written  notice,  at any time after the 5th  anniversary of
the date hereof.

<PAGE>

     5.5 Upon  termination or expiration of this Agreement,  neither party shall
have any further rights or obligations hereunder, provided that GRANTEE shall be
entitled  to receive  any  accrued  and  unpaid  royalties  through  the date of
termination,  and provided  further  that  nothing  herein shall be construed to
release either party from any willful breach of this Agreement prior to the date
of termination.

     6. Assignment.
        -----------

     Neither party may assign this Agreement or any of its rights or obligations
hereunder  without  the prior  written  consent  of the other  party,  provided,
however,  that Landbank may assign its rights,  together  with its  obligations,
under this Agreement in connection with any sale,  transfer or other disposition
of all or  substantially  all of its  business  and assets;  and such rights and
obligations  shall inure to, and be binding upon,  any successor to the business
or substantially all of the assets of Landbank,  whether by merger,  purchase of
stock or assets or otherwise,  without any further  action on the part of either
party.  This Agreement shall be binding upon, and shall inure to the benefit of,
the respective successors and permitted assigns of the parties.

     7. Miscellaneous.
        --------------

     7.1.  Governing Law. This Agreement  shall be governed by and construed and
enforced in accordance  with the laws of the State of  California  applicable to
agreements made and to be performed entirely in California.

     7.2.  Captions.  The paragraph headings contained in this Agreement are for
reference  purposes  only  and  shall  not in any  way  affect  the  meaning  or
interpretation  of this  Agreement or define,  limit or extend the scope of this
Agreement  or  of  any  particular  article  or  paragraph  of  this  Agreement.
Masculine,  feminine or neuter gender and the singular or plural number shall be
deemed to include the other(s) whenever the context so indicates or requires.

     7.3. Entire  Agreement.  This Agreement sets forth the entire agreement and
understanding  of the parties  relating to the subject matter of this Agreement,
and supersedes any and all prior  agreements,  arrangements and  understandings,
written or oral,  between the parties relating to the subject matter,  including
without limitation any Prior Agreement.

     7.4. No Other  Representation.  No representation,  promise,  inducement or
statement  of  intention  has been made by a party that is not  embodied in this
Agreement,   and  no  party  shall  be  bound  by  or  liable  for  any  alleged
representation,  promise, inducement or statement of intention not so set forth.
GRANTEE  represents  and  warrants  to Landbank  that  GRANTEE's  execution  and
performance  of this  Agreement  shall not violate any other  agreement or other
requirements to which GRANTEE is subject.

     7.5  Amendments;   Waivers.  This  Agreement  may  be  amended,   modified,
superseded,  canceled,  renewed  or  extended,  and  the  terms,  conditions  or
covenants of this Agreement may be waived, only by a written instrument executed
by the parties to this Agreement. The failure of a party at any time or times to
require performance of any provision of this Agreement shall in no manner affect
its  right at a later  time to  enforce  the  same.  No waiver by a party of the
breach of any term or covenant  contained in this Agreement,  whether by conduct
or otherwise, in any one or more instances,  shall be deemed to be, or construed
as, a further or continuing waiver of any such breach, or a waiver of the breach
of any other term or covenant contained in this Agreement.

<PAGE>

     IN WITNESS  WHEREOF,  the parties hereto have executed this Agreement as of
the date set forth against their respective signatures.

                                     Landbank:

                                          Landbank, LLC,
                                          a California limited liability company

                                          /s/ Gary Hewitt
                                          ----------------
                                          By: Gary Hewitt
                                          Its: Member

                                          /s/ Doug Gravink
                                          ----------------
                                          By: Doug Gravink
                                          Its:     Member

                                     GRANTEE:

                                          John Beck Amazing Profits, LLC

                                          By: Family Products, LLC
                                          Its: Sole Member

                                          By: Doug Gravink

                                          By: Doug Gravink

<PAGE>

In the case of assignment by Landbank pursuant to Section 6:

Acknowledged and agreed:

As of:  January 26, 2006 (effective date of assignment)
        ----------------

By:     Assignee

        Landbank Group, Inc., a Delaware corporation
        --------------------------------------------

        By:     /s/ Gary Hewitt
                ---------------

        Name:   Gary Hewitt
                -----------

        Title:  President
                ---------Exhibit 10.7

                              LANDBANK GROUP, INC.

                            2006 STOCK INCENTIVE PLAN

                             STOCK OPTION AGREEMENT

     This Stock Option  Agreement (the  "Agreement") is made and entered into as
of the date of grant  set forth  below  (the  "Date of  Grant")  by and  between
Landbank  Group,  Inc.,  a  Delaware   corporation  (the  "Company"),   and  the
participant  named  below (the  "Participant").  Capitalized  terms not  defined
herein  shall have the  meaning  ascribed  to them in the  Company's  2006 Stock
Incentive Plan (the "Plan").

          Participant:                       ___________________________________

          Social Security Number:            ___________________________________

          Address:                           ___________________________________

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

          Total Option Shares:               ___________________________________

          Exercise Price Per Share:          ___________________________________

          Date of Grant:                     ___________________________________

          Expiration Date:                   ___________________________________

          Type of Stock Option:              [ ] Incentive Stock Option

                                             [ ] Nonqualified Stock Option

     1. Grant of Option.  The Company  hereby  grants to  Participant  an option
(this  "Option")  to purchase  the total number of shares of Common Stock of the
Company set forth above as Total  Option  Shares (the  "Shares") at the Exercise
Price Per Share set forth above (the  "Exercise  Price"),  subject to all of the
terms and  conditions  of this  Agreement  and the  Plan.  If  designated  as an
Incentive Stock Option above, the Option is intended to qualify as an "incentive
stock  option"  (an "ISO")  within the  meaning of Section  422 of the  Internal
Revenue Code of 1986,  as amended (the  "Code"),  although the Company  makes no
representation or guarantee that such Option will qualify as an ISO.

     2. Exercise  Period;  Vesting.  Unless  expired as provided in Section 3 of
this Agreement, this Option may be exercised from time to time after the Date of
Grant set forth  above (the "Date of Grant") to the extent the Option has vested
in accordance with the vesting  schedule set forth below. The Shares issued upon
exercise of the Option will be subject to the restrictions on transfer set forth
in  Sections  8, 9 and 10  below.  Provided  Participant  continues  to  provide
Continuous  Service to the  Company or any  Affiliate,  the Option  will  become
vested  and  exercisable  with  respect  to [__%] of the  Shares on the  [FIRST]
anniversary  of the Date of Grant set forth above and  thereafter  at the end of
each full succeeding  [MONTH] [QUARTER] [YEAR] the Option will become vested and
exercisable as to [__%] of the Shares until the Option is vested and exercisable
with respect to one hundred percent (100%) of the Shares.  If application of the

                                       1
<PAGE>

vesting  percentage  causes a fractional share, such share shall be rounded down
to the nearest whole share for each [MONTH] [QUARTER] [YEAR] except for the last
[MONTH]  [QUARTER]  [YEAR]  in such  vesting  period,  at the end of which  last
[MONTH]  [QUARTER]  [YEAR] this Option  shall  become  exercisable  for the full
remainder of the Shares.

     3.  Expiration.  The Option shall expire on the  Expiration  Date set forth
above or earlier as provided in Section A below or, if  applicable,  pursuant to
Section 11 of the Plan.

     4. Termination of Continuous Service.

         4.1.  Termination  for Any Reason Except Death  Disability or Cause. If
Participant's  Continuous  Service is terminated  for any reason,  except death,
Disability or for Cause, the Option, to the extent (and only to the extent) that
it would have been exercisable by Participant on the date of termination, may be
exercised  by  Participant  no later  than  three (3)  months  after the date of
termination, but in any event no later than the Expiration Date.

         4.2.  Termination  Because  of Death or  Disability.  If  Participant's
Continuous  Service is terminated  because of death or Disability of Participant
(or  Participant  dies within three (3) months of the date of  termination  when
such  termination is for any reason other than  Participant's  Disability or for
Cause), the Option, to the extent that is exercisable by Participant on the date
of  termination,  may  be  exercised  by  Participant  (or  Participant's  legal
representative)  no later than twelve (12) months after the date of termination,
but in any event no later than the  Expiration  Date.  Any  exercise  beyond (a)
three (3) months after the date of termination  when the  termination is for any
reason  other than the  Participant's  death or  Disability  or (b) twelve  (12)
months after the date of termination  when the termination is for  Participant's
Disability  is deemed to be a  Nonqualified  Stock Option (an "NQSO") and not an
ISO.

         4.3.  Termination for Cause.  If  Participant's  Continuous  Service is
terminated for Cause, then the Option will expire on the  Participant's  date of
termination.

         4.4. No  Obligation  to Employ.  Nothing in the Plan or this  Agreement
shall  confer on  Participant  any right to  continue in the employ of, or other
relationship  with, the Company or any Affiliate,  or limit in any way the right
of the Company or any Affiliate to terminate  Participant's  employment or other
relationship at any time, with or without Cause.

     5. Manner of Exercise.

         5.1.  Stock  Option  Exercise  Agreement.   To  exercise  this  Option,
Participant (or in the case of exercise after Participant's death or incapacity,
Participant's executor, administrator, heir or legatee, as the case may be) must
deliver to the Company an executed stock option  exercise  agreement in the form
attached  hereto as Exhibit A or in such other  form as may be  approved  by the
Board or Committee from time to time (the "Exercise Agreement"), which shall set
forth,  inter alia, (a) Participant's  election to exercise the Option,  (b) the
number of Shares being purchased, (c) any restrictions imposed on the Shares and
(d)  any  representations  warranties  and  agreements  regarding  Participant's
investment intent and access to information as may be required by the Company to
comply  with  applicable  securities  laws.  If someone  other than  Participant
exercises  the Option,  then such person  must submit  documentation  reasonably
acceptable  to the  Company  verifying  that such  person has the legal right to
exercise the Option.

         5.2.  Limitations on Exercise.  The Option may not be exercised  unless
such exercise is in compliance with all applicable  federal and state securities
laws,  as they are in  effect on the date of  exercise.  The  Option  may not be
exercised  for fewer than one (1) Share  unless it is exercised as to all Shares
as to which the Option is then exercisable.

                                       2
<PAGE>

         5.3.  Payment.  The Exercise  Agreement  shall be  accompanied  by full
payment of the Exercise Price for the shares being purchased in cash (by check),
or  where  permitted  by law and  upon  written  approval  by the  Board  or the
Committee:

             (a)  by   cancellation  of  indebtedness  of  the  Company  to  the
Participant;

             (b) by surrender of shares of the  Company's  Common Stock that (i)
either (1) have been owned by Participant  for more than six (6) months and have
been paid for  within  the  meaning of SEC Rule 144 (and,  if such  shares  were
purchased from the Company by use of promissory  note,  such note has been fully
paid with respect to such shares);  or (2) were obtained by  Participant  in the
open public market;  and (ii) are clear of all liens,  claims,  encumbrances  or
security interests;

             (c) by waiver of  compensation  due or accrued to  Participant  for
services rendered;

             (d) provided that a Listing Date has occurred:  (1) through a "same
day sale"  commitment from  Participant and a broker-dealer  that is a member of
the  National  Association  of  Securities  Dealers (an "NASD  Dealer")  whereby
Participant  irrevocably  elects to exercise the Option and to sell a portion of
the  Shares so  purchased  sufficient  to pay for the total  Exercise  Price and
whereby  the NASD  Dealer  irrevocably  commits  upon  receipt of such Shares to
forward the total  Exercise  Price  directly to the  Company,  or (ii) through a
"margin"  commitment  from  Participant  and an NASD Dealer whereby  Participant
irrevocably  elects to exercise the Option and to pledge the Shares so purchased
to the NASD Dealer in a margin  account as security  for a loan from NASD Dealer
in the  amount  of the  total  Exercise  Price,  and  whereby  the  NASD  Dealer
irrevocably  commits upon  receipt of such Shares to forward the total  Exercise
Price directly to the Company; or

             (e) by any other form of legal consideration that may be acceptable
to the Board or Committee; or

             (f) by any combination of the foregoing.

         5.4. Tax Withholding. Prior to the issuance of the Shares upon exercise
of the Option, Participant must pay or provide for any applicable federal, state
and local  withholding  obligations  of the  Company.  If the Board or Committee
permits,  Participant may provide for payment of withholding taxes upon exercise
of the Option by  requesting  that the Company  retain Shares with a Fair Market
Value equal to the minimum  amount of taxes  required  to be  withheld.  In such
case,  the Company  shall issue the net number of Shares to the  Participant  by
deducting the Shares retained from the Shares issuable upon exercise.

         5.5.  Issuance of Shares.  Provided  that the  Exercise  Agreement  and
payment are in form and substance  satisfactory to counsel for the Company,  the
Company  shall  issue  the  Shares   registered  in  the  name  of  Participant,
Participant's  authorized assignee, or Participant's legal  representative,  and
shall deliver certificates  representing the Shares with the appropriate legends
affixed thereto.

     6. Notice of Disqualifying  Disposition of ISO Shares.  If the Option is an
ISO,  and if  Participant  sells  or  otherwise  disposes  of any of the  Shares
acquired  pursuant  to the ISO on or  before  the  later of (a) the date two (2)

                                       3
<PAGE>

years after the Date of Grant,  and (b) the date one (1) year after  transfer of
such  Shares to  Participant  upon  exercise of the  Option,  Participant  shall
immediately  notify the  Company in  writing  of such  disposition.  Participant
agrees that  Participant may be subject to income tax withholding by the Company
on the compensation  income recognized by Participant from the early disposition
by payment in cash or out of the current wages or other compensation  payable to
Participant.

     7. Compliance with Laws and Regulations. The exercise of the Option and the
issuance and transfer of Shares  shall be subject to  compliance  by the Company
and Participant with all applicable requirements of federal and state securities
laws and with all  applicable  requirements  of any stock  exchange on which the
Company's  Common Stock may be listed at the time of such  issuance or transfer.
Participant  understands  that the Company is under no obligation to register or
qualify the Shares with the SEC, any state  securities  commission  or any stock
exchange to effect such compliance.

     8.  Nontransferability  of Option.  If the Option is an ISO, the Option may
not be  transferred  in any manner  other than by will or by the laws of descent
and distribution and may be exercised during the lifetime of Participant only by
Participant or in the event of Participant's  incapacity, by Participant's legal
representative.  The terms of the Option  shall be binding  upon the  executors,
administrators,  successors and assigns of Participant.  If the Option is not an
ISO, it may be transferred upon written approval by the Board or the Committee.

     9. Company's Right of First Refusal. [Intentionally omitted]

     10.  Market  Standoff  Agreement.  In the case of the initial  underwritten
public  offering by the Company of shares of Common  Stock,  if the officers and
directors  of the  Company  agree not to effect  any  disposition  of any equity
security of the Company or of any security  convertible  into or exchangeable or
exercisable for any equity security of the Company (in each case,  other than as
part of such  underwritten  public  offering),  Participant  agrees  to the same
during the 180-day period (or such longer period as may be reasonably  requested
by the  underwriter  of such  offering)  beginning on the effective date of such
registration  statement (except as a part of such  registration),  provided that
Participant  has  received  written  notice of such  registration  prior to such
effective date; provided,  however, that any waiver of the foregoing restriction
by the Company or the Company's  underwriters shall apply to all persons subject
to such  restrictions  pro rata based on the number of shares of Company capital
stock owned.

     11.  Privileges of Stock Ownership.  Participant  shall not have any of the
rights of a  stockholder  with respect to any Shares until the Shares are issued
to Participant.

     12. General.

         12.1. Interpretation.  Any dispute regarding the interpretation of this
Agreement  shall be submitted by  Participant or the Company to the Board or the
Committee for review. The resolution of such a dispute by the Board or Committee
shall be final and binding on the Company and Participant.

         12.2. Entire Agreement.  The Plan is incorporated  herein by reference.
This Agreement and the Plan  constitute the entire  agreement of the parties and
supercede  all prior  undertakings  and  agreements  with respect to the subject
matter hereof.  If any  inconsistency  should exit between the  nondiscretionary
terms and  conditions of this  Agreement and the Plan, the Plan shall govern and
control.

         12.3.  Notices.  Any notice  required to be given or  delivered  to the
Company under the terms of this  Agreement  shall be in writing and addressed to
the Corporate Secretary of the Company at its principal  corporate offices.  Any

                                       4
<PAGE>

notice required to be given or delivered to Participant  shall be in writing and
addressed to Participant at the address indicated above or to such other address
as such party may  designate in writing  from time to time to the  Company.  All
notices  shall be deemed to have been  given or  delivered  upon:  (a)  personal
delivery; (b) five (5) days after deposit in the United States mail by certified
or registered  mail (return receipt  requested);  (c) two (2) business day after
deposit  with any  return  receipt  express  courier  (prepaid);  or (d) one (1)
business day after transmission by facsimile.

         12.4.  Successors and Assigns. The Company may assign any of its rights
under this Agreement, including its right to purchase Shares under the the Right
of First Refusal.  This Agreement shall be binding upon and inure to the benefit
of the successors  and assigns of the Company.  Subject to the  restrictions  on
transfer set forth herein,  this Agreement shall be binding upon Participant and
Participant's   heirs,   executors,   administrators,   legal   representatives,
successors and assigns.

         12.5.  Governing Law. This Agreement shall be governed by and construed
in accordance with the laws of the State of California  without giving effect to
its conflict of law principles. If any provision of this Agreement is determined
by a court of law to be illegal or  unenforceable,  then such  provision will be
enforced to the maximum  extent  possible and the other  provisions  will remain
fully effective and enforceable.

     13. Acceptance.  Participant hereby  acknowledges  receipt of a copy of the
Plan and this  Agreement.  Participant  has read and  understands  the terms and
provisions  thereof,  and  accepts  the  Option  subject  to all the  terms  and
conditions of the Plan and this Agreement.  Participant  acknowledges that there
may be adverse tax  consequences  upon exercise of the Option or  disposition of
the Shares  and that  Participant  should  consult a tax  advisor  prior to such
exercise or disposition.

     In witness whereof, the Company has caused this Agreement to be executed by
its duly authorized  representative and Participant has executed this Agreement,
effective as of the Date of Grant.

                                        LANDBANK GROUP, INC.

                                        By:
                                            ------------------------------------

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

                                        Title:
                                               ---------------------------------

                                        PARTICIPANT

                                        (Signature)

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

                                       5
<PAGE>

                                    EXHIBIT A

                     Form of Stock Option Exercise Agreement

                                       1
<PAGE>

                              LANDBANK GROUP, INC.

                            2006 STOCK INCENTIVE PLAN

                         STOCK OPTION EXERCISE AGREEMENT

     This Stock Option Exercise Agreement (the "Exercise Agreement") is made and
entered into as of , 2006 (the "Effective  Date") by and between Landbank Group,
Inc., a Delaware corporation (the "Company"), and the purchaser named below (the
"Purchaser").  Capitalized  terms not  defined  herein  shall have the  meanings
ascribed to them in the Landbank's 2006 Stock Incentive Plan (the "Plan") or the
Stock Option Agreement.

          Participant:                       ___________________________________

          Social Security Number:            ___________________________________

          Address:                           ___________________________________

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

          Option Shares Being Purchased:     ___________________________________

          Exercise Price Per Share:          ___________________________________

          Date of Grant:                     ___________________________________

          Expiration Date:                   ___________________________________

          Type of Stock Option:              [  ] Incentive Stock Option

                                             [X] Nonqualified Stock Option

     1. Exercise of Option.

         1.1.  Exercise.  Pursuant  to  exercise  of that  certain  option  (the
"Option") granted to Purchaser under the Plan and the Stock Option Agreement and
subject to the terms and conditions of this Exercise Agreement, Purchaser hereby
purchases from the Company, and the Company hereby sells to Purchaser, the Total
Number of Shares set forth above (the "Shares") of the Company's Common Stock at
the Exercise Price Per Share set forth above (the "Exercise Price").  As used in
this Exercise Agreement,  the term "Shares" refers to the Shares purchased under
this Exercise Agreement and includes all securities  received (a) in replacement
of the Shares,  (b) as a result of stock  dividends or stock splits with respect
to the Shares, and (c) all securities received in replacement of the Shares in a
merger, recapitalization, reorganization or similar corporate transaction.

         1.2.  Title to Shares.  The exact  spelling of the name(s)  under which
Purchaser will take title to the Shares is: ____________________________________
_________________________.

<PAGE>

         Purchaser desires to take title to the Shares as follows:

         [  ]     Individual, as separate property

         [  ]     Husband and wife, as community property

         [  ]     Joint Tenants

         [  ]     Other; please specify: _______________________________________

         1.3.  Payment.  Purchaser hereby delivers payment of the Exercise Price
in cash (by check),  whether or not acquired through a loan from the Company, in
the amount of $___________, receipt of which is acknowledged by the Company.

     2. Delivery.

         2.1. Deliveries by Purchaser.  Purchaser hereby delivers to the Company
(a) this Exercise Agreement, (b) if Purchaser is married, a consent of spouse in
the form of Exhibit A attached  hereto executed by Purchaser's  spouse,  (c) the
Exercise Price and payment or other provision for any applicable tax obligations
in the form of a check, or a secured full recourse  promissory note ("Note") and
(d) if the  Purchaser  has provided a Note for  exercise of the Shares,  a stock
pledge agreement executed by Purchaser  ("Pledge  Agreement") and two (2) copies
of a blank  stock  power  ("Stock  Power"),  both  executed  by  Purchaser  (and
Purchaser's spouse, if any).

         2.2. Deliveries by the Company. Upon its receipt of the Exercise Price,
payment  or other  provision  for any  applicable  tax  obligations  and all the
documents to be executed and delivered by Purchaser to the Company under Section
2.1 hereof, the Company will issue a duly executed stock certificate  evidencing
the Shares in the name of  Purchaser,  provided  however,  if the  Purchaser has
provided a Note for  exercise of the  Shares,  such stock  certificate  shall be
placed  in escrow as  provided  in  Section  10  hereof  to  secure  payment  of
Purchaser's obligation under the Note.

     3.  Representations and Warranties of Purchaser.  Purchaser  represents and
warrants to the Company that:

         3.1. Agrees to Terms of the Plan.  Purchaser has received a copy of the
Plan and the Stock Option  Agreement,  has read and understands the terms of the
Plan, the Stock Option Agreement and this Exercise  Agreement,  and agrees to be
bound by their terms and conditions.  Purchaser  acknowledges  that there may be
adverse  tax  consequences  upon  exercise of the Option or  disposition  of the
Shares,  and that Purchaser  should consult a tax advisor prior to such exercise
or disposition.

         3.2.  Purchase for Own Account for Investment.  Purchaser is purchasing
the Shares for Purchaser's own account for investment purposes only and not with
a view to, or for sale in connection  with, a distribution  of the Shares within
the meaning of the Securities Act. Purchaser has no present intention of selling
or otherwise disposing of all or any portion of the Shares and no one other than
Purchaser has any beneficial ownership of any of the Shares.

         3.3. Access to Information. Purchaser has had access to all information
regarding  the  Company  and  its  present  and  prospective  business,  assets,
liabilities  and  financial  condition  that  Purchaser   reasonably   considers
important in making the decision to purchase the Shares, including the Company's
most recent  balance  sheet and income  statement,  and  Purchaser has had ample

                                       2
<PAGE>

opportunity to ask questions of the Company's  representatives  concerning  such
matters and this investment.

         3.4.  Understanding  of Risks.  Purchaser  is fully  aware of:  (a) the
highly  speculative  nature of the  investment in the Shares;  (b) the financial
hazards  involved;  (c) the lack of liquidity of the Shares and the restrictions
on  transferability  of the Shares (e.g., that Purchaser may not be able to sell
or  dispose  of the  Shares  or use  them  as  collateral  for  loans);  (d) the
qualifications and backgrounds of the management of the Company; and (e) the tax
consequences of investment in the Shares. Purchaser is capable of evaluating the
merits and risks of this investment,  has the ability to protect Purchaser's own
interests in this transaction and is financially capable of bearing a total loss
of this investment.

         3.5. No General  Solicitation.  At no time was Purchaser presented with
or  solicited by any  publicly  issued or  circulated  newspaper,  mail,  radio,
television or other form of general  advertising or  solicitation  in connection
with the offer, sale and purchase of the Shares.

     4. Compliance with Securities Laws. Purchaser  understands and acknowledges
that the Shares have not been  registered  with the SEC under the Securities Act
and that,  notwithstanding  any other provision of the Stock Option Agreement to
the  contrary,  the  exercise of any rights to purchase  any Shares is expressly
conditioned  upon  compliance  with the Securities Act and all applicable  state
securities  laws.  Purchaser  agrees to  cooperate  with the  Company  to ensure
compliance with such laws.

     5. Restricted Securities.

         5.1. No Transfer  Unless  Registered or Exempt.  Purchaser  understands
that  Purchaser  may not transfer any Shares  unless such Shares are  registered
under the Securities Act or qualified under  applicable state securities laws or
unless,  in  the  opinion  of  counsel  to the  Company,  exemptions  from  such
registration and qualification requirements are available. Purchaser understands
that only the Company may file a  registration  statement  with the SEC and that
the  Company  is  under  no  obligation  to do so with  respect  to the  Shares.
Purchaser  has  also  been  advised  that  exemptions  from   registration   and
qualification  may not be available or may not permit  Purchaser to transfer all
or any of the Shares in the amounts or at the times proposed by Purchaser.

         5.2.  SEC Rule 144. In  addition,  Purchaser  has been advised that SEC
Rule 144  promulgated  under the Securities  Act, which permits  certain limited
sales of unregistered securities, is not presently available with respect to the
Shares and, in any event,  requires that the Shares be held for a minimum of one
(1) year, and in certain cases two (2) years, after they have been purchased and
paid for (within the meaning of Rule 144).  Purchaser  understands that Rule 144
may indefinitely restrict transfer of the Shares so long as Purchaser remains an
"affiliate" of the Company or if "current public  information" about the Company
(as defined in Rule 144) is not publicly available.

         5.3.  SEC Rule 701.  If the Shares are issued  pursuant to SEC Rule 701
promulgated  under the Securities Act, the Shares may become freely tradeable by
non-affiliates  (under limited  conditions  regarding the method of sale) ninety
(90) days after the first  sale of Common  Stock of the  Company to the  general
public pursuant to a registration statement filed with and declared effective by
the SEC, subject to the lengthier market standoff agreement contained in Section
7 hereof or any other  agreement  entered  into by  Purchaser.  Affiliates  must
comply with the provisions (in addition to the holding period  requirements)  of
Rule 144.

                                       3
<PAGE>

     6. Restrictions on Transfers.

         6.1.  Disposition  of Shares.  Purchaser  hereby agrees that  Purchaser
shall  make no  disposition  of the  Shares  (other  than as  permitted  by this
Exercise Agreement) unless and until:

             (a)  Purchaser  shall have  notified  the  Company of the  proposed
disposition  and provided a written  summary of the terms and  conditions of the
proposed disposition;

             (b) Purchaser  shall have complied  with all  requirements  of this
Exercise Agreement applicable to the disposition of the Shares;

             (c)  Purchaser   shall  have  provided  the  Company  with  written
assurances,  in form and substance satisfactory to counsel for the Company, that
(i) the proposed  disposition does not require  registration of the Shares under
the Securities Act or (ii) all appropriate actions necessary for compliance with
the  registration  requirements  of the  Securities Act or of any exemption from
registration  available  under the Securities Act (including Rule 144) have been
taken; and

             (d)  Purchaser   shall  have  provided  the  Company  with  written
assurances, in form and substance satisfactory to the Company, that the proposed
disposition will not result in the  contravention  of any transfer  restrictions
applicable to the Shares pursuant to the provisions of Section 4 hereof.

         6.2.  Transferee  Obligations.  Each person (other than the Company) to
whom the  Shares  are  transferred  by means of one of the  permitted  transfers
specified  in this  Exercise  Agreement  must,  as a condition  precedent to the
validity  of such  transfer,  acknowledge  in writing to the  Company  that such
person  is bound  by the  provisions  of this  Exercise  Agreement  and that the
transferred  Shares are subject to (a) both the Company's  Repurchase Option, if
any, and (b) the market  stand-off  provisions of Section 7 hereof,  to the same
extent such Shares would be so subject if retained by the Purchaser.

                                       4
<PAGE>

     7.  Market  Standoff  Agreement.  In the case of the  initial  underwritten
public  offering by the Company of shares of Common  Stock,  if the officers and
directors  of the  Company  agree not to effect  any  disposition  of any equity
security of the Company or of any security  convertible  into or exchangeable or
exercisable for any equity security of the Company (in each case,  other than as
part of such underwritten public offering),  Purchaser agrees to the same during
the one  hundred  eighty  (180)  day  period  (or such  longer  period as may be
reasonably  requested  by the  underwriter  of such  offering)  beginning on the
effective  date  of  such  registration  statement  (except  as a part  of  such
registration),  provided  that  Purchaser  has received  written  notice of such
registration prior to such effective date; provided, however, that any waiver of
the foregoing  restriction  by the Company or the Company's  underwriters  shall
apply to all persons subject to such  restrictions  pro rata based on the number
of shares of Company capital stock owned.

     8. Rights as a  Stockholder.  Subject to the terms and  conditions  of this
Exercise  Agreement,  Purchaser  will have all of the rights of a stockholder of
the Company  with  respect to the Shares from and after the date that Shares are
issued to Purchaser until such time as Purchaser disposes of the Shares.

     9. Escrow. If the Purchaser has provided a Note for exercise of the Shares,
as security for  Purchaser's  faithful  performance of this Exercise  Agreement,
Purchaser  agrees,   immediately  upon  receipt  of  the  stock   certificate(s)
evidencing the Shares, to deliver such  certificate(s),  together with the Stock
Powers  executed by Purchaser and by Purchaser's  spouse,  if any (with the date
and number of Shares  left  blank),  to the  Secretary  of the  Company or other
designee of the Company (the "Escrow  Holder"),  who is hereby appointed to hold
such  certificate(s) and Stock Powers in escrow and to take all such actions and
to  effectuate  all such  transfers  and/or  releases  of such  Shares as are in
accordance with the terms of this Exercise Agreement.  Purchaser and the Company
agree  that  Escrow  Holder  will not be liable  to any  party to this  Exercise
Agreement  (or to any other  party) for any actions or omissions  unless  Escrow
Holder is grossly  negligent  or  intentionally  fraudulent  in carrying out the
duties of Escrow  Holder under this Exercise  Agreement.  Escrow Holder may rely
upon any letter,  notice or other document executed with any signature purported
to be genuine  and may rely on the  advice of counsel  and obey any order of any
court with respect to the transactions  contemplated by this Exercise Agreement.
The  Shares  will  remain in escrow so long as they are  subject  to the  Pledge
Agreement.

     10. Restrictive Legends and Stop-Transfer Orders.

         10.1. Legends.  Purchaser  understands and agrees that the Company will
place the legends set forth below or similar legends on any stock certificate(s)
evidencing  the Shares,  together with any other legends that may be required by
state  or  U.S.   Federal   securities   laws,  the  Company's   Certificate  of
Incorporation or Bylaws,  any other agreement  between Purchaser and the Company
or any agreement between Purchaser and any third party:

         THE  SECURITIES  REPRESENTED  HEREBY  HAVE  NOT  BEEN
         REGISTERED  UNDER  THE  SECURITIES  ACT OF  1933,  AS
         AMENDED  (THE   "SECURITIES   ACT"),   OR  UNDER  THE
         SECURITIES LAWS OF CERTAIN STATES.  THESE  SECURITIES
         ARE SUBJECT TO  RESTRICTIONS ON  TRANSFERABILITY  AND
         RESALE AND MAY NOT BE TRANSFERRED OR RESOLD EXCEPT AS
         PERMITTED  UNDER THE  SECURITIES  ACT AND  APPLICABLE
         STATE  SECURITIES  LAWS,  PURSUANT TO REGISTRATION OR
         EXEMPTION  THEREFROM.  INVESTORS SHOULD BE AWARE THAT
         THEY MAY BE REQUIRED TO BEAR THE  FINANCIAL  RISKS OF
         THIS INVESTMENT FOR AN INDEFINITE PERIOD OF TIME. THE

                                       5
<PAGE>

         ISSUER OF THESE  SECURITIES MAY REQUIRE AN OPINION OF
         COUNSEL  IN FORM AND  SUBSTANCE  SATISFACTORY  TO THE
         ISSUER TO THE EFFECT  THAT ANY  PROPOSED  TRANSFER OR
         RESALE IS IN COMPLIANCE  WITH THE  SECURITIES ACT AND
         ANY APPLICABLE STATE SECURITIES LAWS.

         THE  SHARES   REPRESENTED  BY  THIS  CERTIFICATE  ARE
         SUBJECT TO CERTAIN  RESTRICTIONS ON PUBLIC RESALE AND
         TRANSFER, INCLUDING THE RIGHT OF FIRST REFUSAL OPTION
         HELD BY THE  ISSUER  AND/OR  ITS  ASSIGNEE(S)  AS SET
         FORTH IN A STOCK OPTION  EXERCISE  AGREEMENT  BETWEEN
         THE ISSUER AND THE ORIGINAL  HOLDER OF THESE  SHARES.
         SUCH PUBLIC SALE AND TRANSFER RESTRICTIONS  INCLUDING
         THE RIGHT OF FIRST REFUSAL ARE BINDING ON TRANSFEREES
         OF THESE SHARES.

         10.2.  Stop-Transfer  Instructions.  Purchaser  agrees that,  to ensure
compliance with the restrictions imposed by this Exercise Agreement, the Company
may issue  appropriate  "stop-transfer"  instructions  to its transfer agent, if
any, and if the Company  transfers its own securities,  it may make  appropriate
notations to the same effect in its own records.

         10.3.  Refusal to  Transfer.  The Company  will not be required  (a) to
transfer on its books any Shares that have been sold or otherwise transferred in
violation of any of the provisions of this Exercise Agreement or (b) to treat as
owner of such  Shares,  or to accord the right to vote or pay  dividends  to any
purchaser or other transferee to whom such Shares have been so transferred.

                                       6
<PAGE>

     11. Tax  Consequences.  PURCHASER  UNDERSTANDS  THAT  PURCHASER  MAY SUFFER
ADVERSE TAX  CONSEQUENCES AS A RESULT OF PURCHASER'S  PURCHASE OR DISPOSITION OF
THE SHARES. PURCHASER REPRESENTS: (a) THAT PURCHASER. HAS CONSULTED WITH ANY TAX
ADVISOR  THAT  PURCHASER  DEEMS  ADVISABLE  IN  CONNECTION  WITH THE PURCHASE OR
DISPOSITION  OF THE SHARES AND (b) THAT  PURCHASER IS NOT RELYING ON THE COMPANY
FOR ANY TAX ADVICE.

     12. Compliance with Laws and Regulations.  The issuance and transfer of the
Shares will be subject to and  conditioned  upon  compliance  by the Company and
Purchaser with all applicable state, local and U.S. Federal laws and regulations
and  with  all  applicable  requirements  of any  stock  exchange  or  automated
quotation  system on which the Company's Common Stock may be listed or quoted at
the time of such issuance or transfer.

     13. Successors and Assigns.  The Company may assign any of its rights under
this Exercise Agreement. This Exercise Agreement shall be binding upon and inure
to the  benefit of the  successors  and assigns of the  Company.  Subject to the
restrictions  on transfer  herein set forth,  this  Exercise  Agreement  will be
binding upon Purchaser and Purchaser's heirs, executors,  administrators,  legal
representatives, successors and assigns.

     14. Governing Law; Severability.  This Exercise Agreement shall be governed
by and construed in accordance with the laws of the State of California  without
giving  effect to its  conflict  of law  principles.  If any  provision  of this
Exercise   Agreement  is  determined  by  a  court  of  law  to  be  illegal  or
unenforceable,  then such  provision  will be  enforced  to the  maximum  extent
possible and the other provisions will remain fully effective and enforceable.

     15.  Notices.  Any notice  required to he given or delivered to the Company
shall be in writing and addressed to the  Corporate  Secretary of the Company at
its principal corporate offices. Any notice required to be given or delivered to
Purchaser  shall  be in  writing  and  addressed  to  Purchaser  at the  address
indicated  above or to such other  address as Purchaser may designate in writing
from time to time to the Company.  All notices shall be deemed effectively given
upon  personal  delivery,  (a) five (5) days after  deposit in the United States
mail by certified or registered  mail (return  receipt  requested),  (b) two (2)
business  day  after  its  deposit  with  any  return  receipt  express  courier
(prepaid), or (c) one (1) business day after transmission by facsimile.

     16.  Further  Instruments.  The  parties  agree  to  execute  such  further
instruments  and to take such further  action as may be reasonably  necessary to
carry out the purposes and intent of this Exercise Agreement.

     17.  Headings.  The captions and headings of this  Exercise  Agreement  are
included for ease of reference only and will be disregarded in  interpreting  or
construing this Exercise Agreement.

     18.  Entire  Agreement.  The Plan,  the  Stock  Option  Agreement  and this
Exercise  Agreement,  together with all Exhibits thereto,  constitute the entire
agreement and understanding of the parties with respect to the subject matter of
this Exercise Agreement,  and supersede all prior understandings and agreements,
whether oral or written, between the parties hereto with respect to the specific
subject matter hereof. If there is any  inconsistency  between the terms of this
Exercise  Agreement  and the terms of the Plan and Stock Option  Agreement,  the
terms of the Plan and Stock Option Agreement shall govern and control.

                                       7
<PAGE>

     In witness  whereof,  the Company has caused this Exercise  Agreement to be
executed in triplicate by its duly authorized  representative  and Purchaser has
executed  this  Exercise  Agreement  in  triplicate  as of the  Effective  Date,
indicated above.

                                            LANDBANK GROUP, INC.

                                            By:
                                                --------------------------------

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

                                            Title:
                                                   -----------------------------

                                            PARTICIPANT

                                            (Signature)

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

                                       8
<PAGE>

                                    EXHIBIT A

                                 Spouse Consent

<PAGE>

                                 SPOUSE CONSENT

     The undersigned  spouse of (the  "Purchaser")  has read,  understands,  and
hereby approves the Stock Option Exercise  Agreement (the  "Agreement")  between
Purchaser and Landbank Group, Inc., a Delaware  corporation (the "Company").  In
consideration  of the  Company's  granting my spouse the right to  purchase  the
Shares  as set  forth in the  Agreement,  the  undersigned  hereby  agrees to be
irrevocably  bound by the  Agreement  and  further  agrees  that  any  community
property  interest  I may have in the  Shares  shall  similarly  be bound by the
Agreement. The undersigned hereby appoints Purchaser as my attorney-in-fact with
respect to any amendment or exercise of any rights under the Agreement.

                                            Dated:
                                                   -----------------------------

                                            SPOUSE

                                            (Signature)

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

                                            Address:
                                                     ---------------------------

                                       2

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