Document:

<PAGE>

                                                                   Exhibit 10.46

                                (WATERFORD LOGO)
                                 AT BLUE LAGOON

                                 MIAMI, FLORIDA

                                LEASE AGREEMENT
                                       FOR
                               OFFICE FACILITIES

TENANT: ORAL HEALTH SERVICES OF FLORIDA, INC.
SUITE: 400 & 325
SQUARE FEET: 15,969
TERM: SIX (6) YEARS
LEASE EXECUTION DATE: April 6, 1995
LEASE COMMENCEMENT DATE: MAY 15, 1995
RENTAL COMMENCEMENT DATE: MAY 15, 1995

<PAGE>

                                   LEASE INDEX

<TABLE>
<CAPTION>
NUMBER                                 ITEM                                 PAGE
------                                 ----                                -----
<S>                                                                        <C>
   1     DEFINITIONS....................................................     1-2
   2     LEASE GRANT....................................................       2
   3     LEASE TERM.....................................................       2
   4     USE............................................................     2-3
   5     BASE RENTAL....................................................       3
   6     SERVICES TO BE FURNISHED BY LANDLORD...........................     3-4
   7     IMPROVEMENTS TO BE MADE BY LANDLORD............................       4
   8     GRAPHICS.......................................................       5
   9     CARE OF THE PREMISES BY TENANT.................................       5
  10     REPAIRS AND ALTERATIONS BY TENANT..............................       5
  11     USE OF ELECTRICAL SERVICES BY TENANT...........................       5
  12     PARKING........................................................     5-6
  13     LAWS, REGULATIONS AND RULES....................................       6
  14     ENTRY BY LANDLORD..............................................       6
  15     ASSIGNMENT AND SUBLETTING......................................     6-7
  16     MECHANIC'S LIEN................................................       7
  17     PROPERTY INSURANCE.............................................     7-8
  18     LIABILITY INSURANCE............................................       8
  19     ASSUMPTION OF RISK.............................................       8
  20     CASUALTY DAMAGE................................................     8-9
  21     CONDEMNATION...................................................    9-10
  22     DAMAGES FROM CERTAIN CAUSES....................................      10
  23     EVENTS OF DEFAULT/REMEDIES.....................................   10-11
  24     OPERATING EXPENSES.............................................   11-14
  25     PEACEFUL ENJOYMENT.............................................      14
  26     RELOCATION.....................................................      14
  27     HOLDING OVER...................................................      14
  28     SUBORDINATION TO MORTGAGE......................................      15
  29     LANDLORD'S LIEN................................................   15-16
  30     ATTORNEY'S FEES................................................      16
  31     NO IMPLIED WAIVER..............................................      16
  32     PERSONAL LIABILITY.............................................      16
  33     SECURITY DEPOSIT...............................................   16-17
  34     FORCE MAJEURE..................................................      17
  35     RELATIONSHIP OF PARTIES........................................      17
  36     HAZARDOUS MATERIAL.............................................      17
  37     RADON..........................................................      17
  38     LIGHT AND VIEW.................................................      17
  39     MISCELLANEOUS..................................................   17-19
  40     WAIVER BY TENANT...............................................   19-20
         SIGNATURE PAGE.................................................      21
</TABLE>

         LEGAL DESCRIPTION........................................   EXHIBIT "A"
         FLOOR PLAN...............................................   EXHIBIT "B"
         ANNUAL RENT ADJUSTMENT...................................   EXHIBIT "C"
         WORK LETTER AGREEMENT....................................   EXHIBIT "D"
         RULES AND REGULATIONS....................................   EXHIBIT "E"

                                       (i)

<PAGE>

                             OFFICE LEASE AGREEMENT

THIS LEASE AGREEMENT (the "Lease"), is made and entered into on the 6th day of
april, 1995, between WRC PROPERTIES, INC. ("Landlord") and Oral Health Services
of Florida, Inc. ("Tenant").

                                   WITNESSETH:

     1. DEFINITIONS.

          1.1 The "Building" means the office building and related parking areas
known as 5775 Waterford, located at 5775 Blue Lagoon Drive, Miami, Florida
33126. The legal description of the Building is attached as Exhibit "A".

          1.2 "Premises" means the suite of offices known as Suite 400 and 325
located within the Building. The Premises are depicted and outlined on the floor
plan attached as Exhibit "B". The Premises are stipulated for all purposes to
contain approximately 15,969 square feet of "Net Rentable Area" (as defined
below). In addition to said 15,969 square feet "Premises", Landlord will use
reasonable efforts to make available for Tenant's lease an additional 1,970
square feet on the third floor of the Building (Suite 330) ninety (90) days
after the present lease thereon expires (July 30, 1995) or sooner of possible.
When Suite 330 is made available for Tenant's occupancy the same shall become
part of the "Premises" as defined in the lease and subject to all terms,
conditions, and covenants of the Lease.

          1.3 "Base Rental" or "Base Rent" means the sum of two hundred ninety
two thousand eight hundred seventy-one and 46/100 dollars ($292,871.46) per
annum, as adjusted pursuant to Exhibit "C" attached hereto. Tenant shall be
entitled to a full abatement of Base Rent for Suite 400 (14,976 rentable square
feet) for the months of May, 2000, and the first fifteen (15) days of June,
2000, subject to Tenant not being in default under the Lease.

The Base Rental for Suite 330, when the same is available for Tenant's
occupancy, shall be at the rate of $18.34 per rentable square foot subject to
adjustement pursuant to Exhibit "C" of the Lease.

          1.4 "Additional Rental" or "Additional Rent" means Tenant's
Proportionate Share of the Operating Expenses that exceed $7.50, per net
rentable square foot for any calendar year during the Lease Term as further
defined and described in Paragraph 24 hereof. "Additional Rent" or "Additional
Rental" may also refer to other costs including those referred to in Paragraph.
7, Paragraph 10.2 and Paragraph 16.2, Paragraph 17 and Paragraph 18.

          1.5 "Commencement Date" means the earlier of (i) May 15, 1995, or (ii)
the date on which Tenant actually occupies the Premises, provided however the
Commencement Date shall not occur until the improvements to Suite 325 have been
substantially completed and there has been the inssuance of a Permanent
Certifiacte or Completion or final approval by the applicable agencies of Dade
County for the Premises.

          1.6 "Lease Term" means a term commencing on the Commencement Date and
continuing for a period of seventy-two (72) months thereafter. The term of the
Lease as to Suite 330 (if the same becomes available) shall commence on the
occupancy by the Tenant of such space and expire simultaneously with the term of
the Lease.

<PAGE>

          1.7 "Security Deposit" means the sum of $17,890.38, to be deposited
with Landlord at the time of execution hereof.

          1.8 "Common Areas" means those areas devoted to corridors, elevator
foyers, restrooms, mechanical rooms, lobbies, janitorial closets, electrical and
telephone closets, vending areas and other similar facilities provided for the
common use or benefit of tenants generally and/or the public.

          1.9 "Service Areas" means those areas within the outside walls used
for elevator mechanical rooms, building stairs, fire towers, elevator shafts,
flues, vents, stacks, pipe shafts and vertical ducts and other penetrations (but
shall not include any such areas for the exclusive use of a particular tenant).

          1.10 "Net Rentable Area" of the Premises shall mean the gross area
within the inside surface of the outer glass of the exterior walls, to the
mid-point of any walls separating portions of the Premises from those of
adjacent tenants and to the finished side of Common Area and Service Areas walls
separating the premises, subject to the following:

          Net Rentable Area shall not include any Service Areas. Net Rentable
          Area shall include Tenant's pro rata part of the Common Areas within
          the Building, based upon the ratio of the Net Rentable Area within the
          Premises to the total Net Rentable Area within the Building, both
          determined without regard to the Common Areas.

The Net Rentable Area in the Building is 58,535 square feet. The above set forth
estimate of Net Rentable Area within the Premises may be revised, at Landlord's
election, if an inspection reveals such estimate to be inaccurate in any
material degree.

          1.11 "Exterior Common Areas" means the portion of the property (and
other tracts of real property comprising the multi-building project in the event
the Building is located in such a project) which are not located within the
Building (or other Building in a multi-building project) and which are provided
and maintained for the common use and benefit of Landlord and tenants of the
Building (or multi-building project) generally and the employees, invitees and
licensees of Landlord and such tenants' including without limitation, all
parking areas, enclosed or otherwise, and all streets, sidewalks and landscaped
areas.

          1.12 "Building Standard" means the quality, amount, level of
performance or standards, as the case may be, as established in the Building
Rules and Regulations attached hereto as Exhibit "E".

          1.13 "Building Standard Improvements" as defined in Exhibit "D" means
those improvements (including the "Shell Improvements" and the "Allowance
Items") to the Premises which Landlord shall agree to provide.

          1.14 "Building Grade" means the type, brand and/or quality of
materials Landlord designates from time to time to be the minimum, quality to be
used in the Building or the exclusive type, grade or quality of material to be
used in the Building.

     2. LEASE GRANT. Subject to and upon the terms herein set forth, Landlord
leases to Tenant and Tenant leases from Landlord the Premises.

     3. LEASE TERM.

          3.1 This Lease shall continue in force during a period beginning on
the Commencement Date and continuing until the expiration of the Lease Term,
unless this Lease is sooner terminated or extended to a later date under any
other term or provision of this Lease.

                                       2

<PAGE>

          3.2 If by the date specified in Paragraph 1.5 the Premises have not
been substantially completed due to omission, delay or default by Tenant or
anyone acting under or for Tenant, or due to any cause other than Landlord's
default, Landlord shall have no liability, and the obligations of this Lease
(including without limitation, the obligation to pay rent) shall nonetheless
commence as of the Commencement Date as herein stated.

          3.3 Tenant agrees to accept possession of the Premises when the
Premises have been substantially completed, with all facilities in operating
order. If there are any finishing touches remaining to be done which will not
interfere with the conduct of Tenant's business on the Premises, Tenant will
nevertheless accept delivery of possession and allow Landlord to complete such
finishing touches. Landlord shall construct Tenant improvements and shall allow
Tenant an improvement allowance of up to but not exceeding $85,000.00. (which
shall be used to cover all hard and soft costs in any way relating to such
construction, including but not limited to all construction, permitting,
architectural and design fees) on all space that Tenant shall occupy at the
commencement Date of the Lease. Any unused portion of this improvement allowance
will be held by Landlord as a credit for future improvements that Tenant may
elect to make in the Premises.

     When the suite 330 is made available and has become part of the Premises as
described in Paragraph 1.2 above, Tenant shall be allowed an improvement
allowance of up to but not exceeding $17,730.00 which shall be used in the same
manner as set forth above.

          3.4 Substantial competition as used herein means completion of all
work required to be performed by Landlord according to the approved Plans and
Specifications, except for mutual agreed punchlist items which do not interfere
with the conduct of Tenant's business on the Premises, and the issuance of a
Certificate of Completion on final approval by the applicable agencies of Dade
County for the Premises.

     4.   USE.

          4.1 Tenant will use and occupy the Premises for the following use and
for no other use or purpose: General Office Use.

          4.2 Notwithstanding the provisions of Section 4.1, Tenant agrees not
to use or permit the use of the Premises for any purpose which is illegal,
dangerous to life, limb or property or which, in Landlord's sole opinion,
creates a nuisance or which would increase the cost of insurance coverage with
respect to the Building.

     5.   BASE RENTAL.

          5.1 Tenant promises to pay and shall pay to Landlord, during the Lease
Term, without any setoff or deduction whatsoever, the Base Rental and the
Additional Rental, all of which are sometimes herein collectively called "rent".

          5.2 The annual Base Rental for each calendar year or portion thereof
during the Lease Term, together with any adjustments thereto as set forth in
Exhibit "C", then in effect, shall be due and payable in twelve (12) equal
installments on the first day of each calendar month during the initial term of
this Lease and any extensions or renewals hereof. Tenant agrees to pay all such
sums in advance, and without demand.

          5.3 Tenant shall pay such Base Rental and any adjustments thereto to
Landlord at Landlord's address provided herein (or such other address as may be
designated by Landlord in writing from time to time). All rent shall be payable
in lawful money of the United States of America, drawn on a financial
institution with an office in the United States of America.

                                        3

<PAGE>

          5.4 If the term of this Lease commences on a day other than the first
day of a month, or terminates on a day other than the last day of a month, then
the installments of Base Rental and any adjustments thereto for such month or
months shall be prorated, based on the number of days in such month.

          5.5 All installments of rent not paid when due shall bear interest at
the maximum lawful contract rate in the State of Florida until paid.

          5.6 The Base Rental shall be adjusted upward from time to time in
accordance with the provisions of Exhibit "C".

          5.7 Tenant shall pay all sales and use taxes levied or assessed
against all rent payments due under this Lease simultaneously with each rent
payment required.

     6. SERVICES TO BE FURNISHED BY LANDLORD.

          6.1 Landlord agrees to furnish Tenant the following services (herein
called "defined services"):

          (a)  Hot and cold water at those points of supply provided for general
               use of tenants in the Building.

          (b)  Central heat and air conditioning at such temperatures and in
               such amounts are considered by Landlord to be standard or as
               required by governmental authority; provided, however, heating
               and air conditioning service at times other than for "Normal
               Business Hours" for the Building (as established by the Building
               Rules) shall be furnished only upon the written request of Tenant
               delivered to Landlord in accordance with the Building Rules.
               Tenant shall bear the entire cost of such additional service as
               such costs are determined by Landlord from time to time.

          (c)  Landlord shall maintain the public and common areas of the Office
               Building, including lobbies, stairs, elevators, corridors and
               restrooms, the windows in the Office Building, the mechanical,
               plumbing and electrical equipment serving the Office Building,
               and the structure itself in reasonably good order and condition
               except for damage occasioned by the act of Tenant, which damage
               shall be repaired by Landlord at Tenant's expense.

          (d)  Janitor service, Mondays through Fridays, exclusive of normal
               business holidays provided, however, if Tenant's floor covering
               or other improvements require special treatment, Tenant shall pay
               the additional cleaning cost attributable thereto as additional
               rent upon presentation of a statement therefore by Landlord.

          (e)  Subject to the provisions of Paragraph 11, provide all
               electrical current required by Tenant in its use and occupancy
               of the Premises.

          (f)  All Building Standard fluorescent bulb replacement in the
               Premises and fluorescent and incandescent bulb replacement in
               the Common Areas and Service Areas.

          (g)  Security in the form of limited access to the Building during
               other than Normal Business Hours shall be provided in such form
               as Landlord deems appropriate. Landlord, however, shall have no

                                        4

<PAGE>

               liability to Tenant, its employees, agents, invitees or licensees
               for losses due to theft or burglary, or for damages done by
               unauthorized persons on the Premises and neither shall Landlord
               be required to insure against any such losses. Tenant shall
               cooperate fully in Landlord's efforts to maintain security in the
               building and shall follow all regulations promulgated by Landlord
               with respect thereto.

          6.2 The failure by Landlord to any extent to furnish, or the
interruption or termination of, the defined services in whole or in part,
resulting from causes beyond the reasonable control of Landlord shall not render
Landlord liable in any respect nor be construed as an eviction (constructive or
otherwise) of Tenant, nor work an offset or abatement of rent, nor relieve
Tenant from the obligation to fulfill any covenant or agreement of this Lease.
Notwithstanding anything to the contrary above, should be defined services be
interrupted rendering the premises untentable for more than five(5) consecutive
business days and the resumption of such service or services is within
landlord's control, Base Rent shall abate from the commencement of such
untenantable condition until such services are restored.

          6.3 Should any of the equipment or machinery used in the provision of
defined services, for any cause, cease to function properly, Tenant shall have
no claim for offset or abatement of rent or damages on account of an
interruption in service occasioned thereby or resulting therefrom.

          6.4 Except as otherwise expressly provided herein, Landlord shall not
be required to perform any maintenance on or make any repairs to the Premises.

     7. IMPROVEMENTS TO BE MADE BY LANDLORD. All installations and improvements
now or hereafter placed on the Premises shall be for Tenant's account and at
Tenant's cost, which cost shall be payable by Tenant to Landlord as Additional
Rent. Tenant shall be required to pay ad valorem taxes and increased insurance
thereon or attributable thereto.

     8. GRAPHICS. Landlord shall provide and install, at Landlord's cost, one
sign adjacent to the entry door to the Premises. All letters and numerals shall
be in the standard graphics for the Building and no others shall be used or
permitted on the Premises without Landlord's prior written consent. Tenant will
also be listed on the lobby directory. Tenant shall have the right to install a
sign containing Tenant's name on the parapet wall on the north side of the
Building and on the granite monument at the entrance of the Building. All costs
associated with making, installing, maintaining, lighting, removing or otherwise
related to such signs shall be the sole responsibility of Tenant, including
restoring the Building to the condition that existed prior to the signage
installation. The design and placement of these signs must be approved by
Landlord prior to such installation.

     9. CARE OF THE PREMISES BY TENANT. Tenant shall maintain the Premises in
good repair and in a clean, attractive, first-class condition. Tenant shall not
commit or allow any waste to be committed on any portion of the Premises, and at
the termination of this Lease, Tenant shall deliver the Premises to Landlord in
as good condition as at the date of the commencement of the term of this Lease,
ordinary wear and use excepted.

     10. REPAIRS AND ALTERATIONS BY TENANT.

          10.1 Tenant shall, at Tenant's own cost and expense, repair any damage
done to the Building, or any part thereof, including replacement of damaged
portions or items, caused by Tenant or Tenant's agents, employees, invitees, or
visitors, and

                                        5

<PAGE>

Tenant covenants and agrees to make all such repairs as may be required to
restore the Building to as good a condition as it was in prior to such damage,
except if such damage is caused by unauthorized solicitors.

          10.2 All such work or repairs by Tenant shall be effected in
compliance with all applicable laws; provided, however, if Tenant fails to make
such repairs or replacements promptly, Landlord may, at its option, make repairs
or replacements, and Tenant shall pay the cost thereof to the Landlord within
ten (10) days of Landlord's demand therefor, as Additional Rent.

          10.3 Tenant agrees with Landlord not to make or allow to be made any
alterations to the Premises, install any vending machines on the Premises, or
place signs on the Premises which are visible from outside the Premises, without
first obtaining the prior written consent of Landlord in each such instance,
which consent may be given on such conditions as Landlord may elect.

          10.4 Any and all alterations to the Premises shall become the property
of Landlord upon termination of this Lease (except for movable equipment or
furniture owned by Tenant). Landlord may, nonetheless, require Tenant to remove
any and all fixtures, equipment and other improvements installed on the Premises
and restore the Premises to Building Standard. If Landlord so requires and
Tenant fails to remove such improvements, Landlord may remove such improvements
at Tenant's cost, and Tenant shall pay Landlord on demand the cost of restoring
the Premises to Building Standard.

     11. USE OF ELECTRICAL SERVICES BY TENANT. Tenant's use of electrical
services furnished by Landlord shall not exceed, either in voltage, rated
capacity, or overall load that which Landlord deems to be Building Standard. The
electrical design parameters are two watts per square foot at 120 volts and 3.5
watts per square foot at 277 volts for lighting. If Tenant shall request that it
be allowed to consume electrical services in excess of that deemed by Landlord
to be Building Standard or the electrical service furnished to the Premises as
of the date of this Lease, whichever is greater, Landlord may refuse to consent
to usage or may consent upon such conditions as Landlord elects (including the
requirement that submeters be installed at Tenant's expense) and Tenant shall
pay all costs and expenses thereby incurred, including but not limited to the
cost of electricity and the cost of upgrading the HVAC system to handle the heat
caused by such additional usage. As of the date of this lease, a meter has been
installed and Tenant is being separately metered for electrical services in the
computer room and supplemental air conditioning associated with this room.

     12. PARKING.

          12.1 During the term of this Lease, Tenant shall have the
non-exclusive use in common with Landlord, other tenants of the Building (or the
project in which the Building is located, in a multi-building project), their
guests and invitees, of the non-reserved common automobile parking areas,
driveways and footways, subject to rules and regulations for the use thereof as
prescribed from time to time by Landlord. Tenant's allocated share of parking
shall be forty-eight (48) spaces. Tenant's employees will not be permitted to
park in the designated visitor parking area and Tenant will use all reasonable
efforts to adhere to this regulation.

          12.2 No specific designated parking spaces shall be assigned to Tenant
unless otherwise agreed by Landlord and Tenant in writing. Landlord shall have
the right to reserve such parking spaces as it elects and condition use thereof
on such terms as it elects.

                                        6

<PAGE>

     13. LAWS, REGULATIONS AND RULES.

          13.1 Tenant shall comply with all applicable laws, ordinances, rules
and regulations of any governmental entity, agency, or authority having
jurisdiction of the Premises or Tenant's use of the Premises.

          13.2 Tenant shall comply with the Building Rules and Regulations
amended by Landlord from time to time and will cause all of its agents,
employees, invitees and visitors to do so. All changes to such rules will be
furnished by Landlord to Tenant in writing.

     14. ENTRY BY LANDLORD. Tenant shall permit Landlord or its agents or
representatives to enter into and upon any part of the Premises at all
reasonable hours unless such entry deprives tenant of normal usage for any
amount of time which would cause tenant to suffer economic loss (and in
emergencies at all times) to inspect the condition, occupancy or use; to show
the Premises to prospective purchasers, mortgagees, tenant or insurers, or to
clean or make repairs, alterations or additions. Tenant shall not be entitled to
any abatement or reduction of rent by reason of this right of entry.

     15. ASSIGNMENT AND SUBLETTING.

          15.1 Tenant shall not assign, sublease, transfer, pledge, or encumber
this Lease or any interest therein without Landlord's prior written consent. Any
attempted assignment, sublease or other transfer or encumbrance by Tenant in
violation of the terms and covenants of this paragraph will be void. If Tenant
is a corporation or a partnership, the conveyance of the corporate stock or the
assignment of such partnership interest, as the case may be, shall be deemed an
assignment for the purposes hereof.

          15.2 If Tenant shall desire Landlord's consent in the subletting or
assignment, Tenant shall give Landlord ninety (90) days' prior written notice
thereof. Such notice shall be deemed to be an offer by Tenant to sublet the
premises to Landlord for the balance of the term upon all the same terms,
covenants and conditions as are contained in this Lease or to assign this Lease
to Landlord at Landlord's option.

          15.3 If Landlord does not accept such offer in writing within the
ninety (90) day notice period, then Landlord's right to sublease the Premises or
acquire this Lease by assignment shall be deemed to be waived, but nothing
herein contained shall be deemed to be a consent by Landlord to any subletting
or assignment unless Landlord delivers to Tenant its written consent.

          15.4 Notwithstanding Landlord's consent on any one occasion, the right
to recapture noted in Paragraph 15.2 shall apply to any further subletting or
assignment.

          15.5 The covenants in this paragraph concerning assignment shall bind
Tenant and Tenant's heirs, personal representatives, successors and assigns.

          15.6 Anything, contained in the foregoing provisions of this section
to the contrary notwithstanding, neither Tenant nor any other person having an
interest in the possession, use, occupancy or utilization of the Premises shall
enter into any lease, sublease, license, concession or other agreement for use,
occupancy or utilization of space in the Premises which provides for rental or
other payment for such use, occupancy or utilization based, in whole or in part,
on the net income or profits derived by any person from the Premises leased,
used, occupied or utilized (other than an amount based on a fixed percentage or
percentages of receipts of sales), and any such proposed lease, sublease,
license, concession or other agreement shall be absolutely void and

                                        7

<PAGE>

ineffective as a conveyance or any right or interest in the possession, use,
occupancy or utilization of any part of the Premises.

          15.7 All cash or other consideration received by Tenant as the
proceeds of any assignment, sale or sublease, of Tenant's interest in this
Lease, whether consented to by Landlord or not, shall be paid to Landlord,
notwithstanding the fact that such proceeds exceed the rentals called for
hereunder, and Tenant hereby assigns all rights it might have or ever acquire in
any such proceeds to Landlord.

          15.8 All reasonable legal costs incurred by Landlord in approving,
reviewing and processing any assignment or sublease shall be paid by Tenant
within thirty (30) days of presentation of an invoice for services rendered by
Landlord's attorney.

     16. MECHANIC'S LIENS.

          16.1 Tenants will not permit any mechanic's lien or liens to be
placed upon the Premises or the Building. Nothing in this Lease shall be deemed
or construed in any way as constituting the consent or request of Landlord,
express or implied, to any person for the performance of any labor or the
furnishing of any materials to all or part of the Premises, nor as giving Tenant
any right, power, or authority to contract for or permit the rendering of any
services or the furnishing thereof that would or might give rise to any
mechanic's or other liens against the Premises.

          16.2 If any such lien is claimed against the Premises, then Tenant
shall be required to discharge said lien within ten (10) days of filing, and in
addition to any other right or remedy of Landlord, Landlord may, but shall not
be obligated to, discharge the same. Any amount paid by Landlord for such
purposes shall be paid by Tenant to Landlord as additional rent within ten (10)
days of Landlord's demand therefor.

     17. PROPERTY INSURANCE.

          17.1 Landlord shall maintain and pay for fire and extended coverage
insurance on the Building and the Premises in such amounts as Landlord or
Landlord's mortgagees shall require. Landlord reserves the right to self-insure
the Building so long as it is a financial institution having a net worth of at
least $500 million. Payments for losses thereunder shall be made solely to
Landlord or the mortgagees of Landlord as their interests shall appear.

          17.2 Tenant shall maintain at its expense, in an amount equal to full
replacement cost, fire and extended coverage insurance on all of its personal
property, including removable trade fixtures, located in the Premises and in
such additional amounts as are required to meet Tenant's obligations pursuant to
Paragraph 20 hereof.

          17.3 Tenant shall, at Landlord's request from time to time, provide
Landlord with current certificates of insurance evidencing Tenant's compliance
with this Paragraph 17 and Paragraph 18.

          17.4 Tenant shall obtain the agreement of Tenant's insurers to notify
Landlord at least thirty (30) days prior to cancellation or expiration of any
such insurance coverage by Tenant.

          17.5 Notwithstanding anything in this Lease to the contrary and
provided the various policies of insurance required under Paragraph 17 contain a
waiver of subrogation clause, both Landlord and Tenant hereby waive any and all
rights of recovery, claim, action, or cause of action, against the other party,
its respective agents, officers and employees, for any loss or damage

                                        8

<PAGE>

that may occur to the Premises, or any improvements thereto, or personal
property located therein, or the Building of which the Premises are a part or
any improvements thereto, by reason of fire, the elements, or any other cause
which could be insured against under the terms of standard fire and extended
coverage insurance policies, regardless of cause or origin, including negligence
of the parties hereto, their agents, officers and employees.

     18. LIABILITY INSURANCE.

          18.1 Tenant and Landlord shall, each at its own expense, maintain a
policy or policies of comprehensive general liability insurance with respect to
the respective activities of each in the Building, and on the Property (or
within the project if the Building is located in a multi-building project) with
the premiums thereon fully paid on or before due date, issued by and binding
upon an insurance company approved by Landlord, such insurance to afford minimum
protection of not less than $1,000,000 combined single limit coverage of bodily
injury, property damage or combination thereof.

          18.2 Landlord shall not be required to maintain insurance against
thefts within the Premises, the Building or any project within which the
Building is located.

     19. ASSUMPTION OF RISK.

          19.1 Except for Landlord's gross negligence and/or willful misconduct,
Landlord shall not be liable to Tenant or Tenant's customers, licensees, agents,
guests or employees for any injury or damages to its, his of their persons or
property by any cause whatsoever, including, but not limited to acts or
omissions of any other tenant in the Building, construction defects, water,
rain, sleet, fire, storms, negligence and accidents, breakage, stoppage, or
leaks of gas, water heating, sewer pipes, boilers, wiring or plumbing or any
other defect in, on or about the Premises.

          19.2 Tenant expressly assumes all liability for or on account of any
such injury, loss or damage, and will at all times, indemnify and save Landlord
harmless from and against all liability, damage or expense caused by or arising
out of any such injury, loss or damage to persons or property upon the Premises
other than the result of landlord's gross negligence and/or willful misconduct.

     20. CASUALTY DAMAGE.

          20.1 If the Premises or any part thereof shall be damaged by fire or
other casualty, Tenant shall give prompt written notice thereof to Landlord.

          20.2 If the Building shall be so damaged that substantial alteration
or reconstruction of the Building shall, in Landlord's sole opinion, be required
(whether or not the Premises shall have been damaged by casualty) or in the
event any mortgagee of Landlord's should require that the insurance proceeds
payable as a result of a casualty be applied to the payment of the mortgage debt
or in the event of any material uninsured loss to the Building, Landlord may, at
its option, terminate this Lease by notifying Tenant in writing of such
termination within ninety (90) days after the date of such damage.

          20.3 If Landlord does not thus elect to terminate this Lease, Landlord
shall commence and proceed with reasonable diligence to restore the Building to
substantially the same condition in which it was immediately prior to the
happening of the casualty, except that Landlord's obligation to restore shall
not exceed the scope of the work required to be done by Landlord in originally
constructing the Building and installing Building

                                        9

<PAGE>

Standard Improvements in the Premises, nor shall Landlord be required to spend
for such work an amount in excess of the insurance proceeds actually received by
Landlord as a result of the casualty.

          20.4 When Landlord has restored the Premises to Landlord's Building
Standard Improvements, Tenant shall be obligated to pay for the completion of
restoration including the restoration of Tenant's furniture and equipment.

          20.5 Except for the reconstruction by Landlord to Landlord's Building
Standard Improvements all costs and expenses for reconstruction shall be borne
by Tenant.

          20.6 Landlord shall not be liable for any inconvenience or annoyance
to Tenant or injury to the business of Tenant resulting in any way from such
damage on the repair thereof, except that, subject to the provisions of
Paragraph 20.7, Landlord shall allow Tenant a fair diminution of rent during the
time and to the extent the Premises are unfit for occupancy.

          20.7 If the Premises or any portion of the Building be damaged by fire
or other casualty resulting from the fault or negligence of Tenant or any of
Tenant's agents, employees, or invitees, the rent hereunder shall not be
diminished, offsetted, or abated during the repair of such damage and Tenant
shall be liable to Landlord for the cost of the repair and restoration of the
Building caused thereby, as well as any other cost and expense thereby incurred
by Landlord.

     21. CONDEMNATION.

          21.1 If the whole or substantially the whole of the Building or the
Premises should be taken for any public or quasi-public use, by right of eminent
domain or otherwise, or if it should be sold in lieu of condemnation, then this
Lease shall terminate as of the date when physical possession of the Building or
the Premises is taken by the condemning authority.

          21.2 If less than the whole or substantially the whole of the Building
or the Premises is thus taken or sold, Landlord (whether or not the Premises are
affected thereby) may terminate this Lease by giving written notice thereof to
Tenant, in which event this Lease shall terminate as of the date when physical
possession of such portion of the Building or Premises is taken by the
condemning authority.

          21.3 If this Lease is not so terminated upon any such taking or sale,
and Landlord shall, to the extent Landlord deems feasible, restore the Building
and the Premises to substantially their former condition, but such work shall
not exceed the scope of the work done by Landlord in originally constructing the
Building and installing Building Standard Improvements in the Premises, nor
shall Landlord in any event be required to spend for such work an amount in
excess of the amount received by Landlord as compensation for such damage. If
the Premises are reduced by such condemnation the Base rent and Tenant's
proportionate share of the Operating Expenses will be proportionately reduced by
the percentage reduction of the Premises, In the event the Premises after
condemnation is insufficient to operate, then Tenant will be moved to comparable
space in the office park if available. If such space is not available, Tenant
will have the right to cancel the Lease by giving Landloard written notice
thereof.

          21.4 All amounts awarded upon a taking of any part or all of the
Building or the Premises shall belong to Landlord, and Tenant shall not be
entitled to and expressly waives all claim to any such compensation.

          21.5 Tenant shall be entitled to claim independently against
condemning authority any damages expressly referable to Tenant's business as the
same may be permitted by law provided that such claim shall not reduce any
award payable to Landlord.

                                       10

<PAGE>

     22. DAMAGES FROM CERTAIN CAUSES. Landlord shall not be liable to Tenant for
any loss or damage to any property or person occasioned by theft, fire, act of
God, public enemy, injunction, riot, strike, insurrection, war, court order,
requisition, or order of governmental body or authority or by any other cause
beyond the control of Landlord, including but not limited to delays from the
foregoing. Nor shall Landlord be liable for any damage or inconvenience which
may arise through repair or alterations of any part of the Building or Premises
except if such damage is caused by landlord's gross negligence or willful act.

     23. EVENTS OF DEFAULT/REMEDIES.

          23.1 Event of Default by Tenant. The happening of any one or more of
the following listed events (Events of Default) shall constitute a breach of
this Lease by Tenant:

          (a)  The failure of Tenant to pay any rent or any other sums of money
               due hereunder;

          (b)  The failure of Tenant to comply with the provisions of this Lease
               or any addendums between Landlord and Tenant, all of which terms,
               provisions, and covenants shall be deemed material;

          (c)  The taking of the leasehold on execution or other process of law
               in any action against Tenant;

          (d)  The failure of Tenant to accept the Premises, to move into, to
               take possession of, and to operate its business on the Premises
               when the Premises are substantially complete, or if Tenant ceases
               to do business in or abandons any substantial portion of the
               Premises and fails to pay rent as required hereunder;

          (e)  Tenant becoming insolvent or unable to pay its debts to Landlord
               as they become due, or Tenant's notification to Landlord that it
               anticipates either condition;

          (f)  Tenant taking any action to, or notifying Landlord that Tenant
               intends to, file a petition under the United States Bankruptcy
               Code, as amended, or any similar law or statute of the United
               States, or any state; or, the filing of a Petition against Tenant
               under any such statute or law, or, any other creditor of Tenant
               notifying Landlord that it knows such a petition will be filed;
               or the Tenant's notification to Landlord that it expects such a
               Petition to be filed;

          (g)  The appointment of a receiver or trustee for Tenant's leasehold
               interest in the Premises or for all or a substantial part of the
               assets of Tenant; or

          (h)  Tenant defaulting pursuant to subparagraphs (a) through (g)
               hereof three (3) or more times during any twelve-month period
               under the Lease.

          23.2 Landlord's Remedies for Tenant Default. Upon the occurrence of
any event or events of default by Tenant, whether enumerated in Paragraph 23.1
or not, if Tenant fails to cure any such default within ten (10) days of written
notice from Landlord, except with regard to a default pursuant to paragraph
23.1(a) as to which default Tenant expressly waives any right to notice from
the Landlord and paragraph 23.1(h) as to which default Tenant has no right to
cure, Landlord shall have the option, at Landlord's election, to pursue any one
or more of the following remedies:

          (a)  Landlord may cancel and terminate this Lease and dispossess
               Tenant;

                                       11

<PAGE>

          (b)  Landlord may without terminating or canceling this Lease declare
               all amounts and rents due under this Lease for the remainder of
               the existing lease term (or any applicable extension or renewal
               thereof) to be immediately due and payable, and thereupon all
               rents and other charges due hereunder to the end of the initial
               term or any renewal term, if applicable, shall be accelerated;

          (c)  Landlord may elect to enter and repossess the Premises and relet
               the Premises for Tenant's account, holding Tenant liable in
               damages for all expenses incurred in such reletting and for any
               difference between the amount of rent received from such
               reletting and the amount due and payable under the terms of this
               Lease;

          (d)  Landlord may enter upon the Premises and do whatever Tenant is
               obligated to do under the terms of this Lease (and Tenant shall
               reimburse Landlord on demand for any reasonable expenses which
               Landlord may incur in effecting compliance with Tenant's
               obligations under this Lease, and Landlord shall not be liable
               for any damages resulting to the Tenant from such action).

     23.3 Landlord's Remedies are Cumulative. All the remedies of Landlord in
the event of Tenant default shall be cumulative and in addition, Landlord may
pursue any other remedies permitted by law or in equity, forbearance by Landlord
to enforce one or more of the remedies upon an event of default, shall not
constitute a waiver of such default.

     24. OPERATING EXPENSES.

          24.1 For the purposes of this paragraph, the following definitions
apply:

          (a)  "Base Year" means the calendar year in which this lease
               commences.

          (b)  "Utilities" means water, sewer, electricity, fuel oil, gas and
               refuse removal.

          (c)  "Operating Expenses" means all expenses, costs and disbursements
               of every kind and nature which Landlord shall pay or become
               obligated to pay because of or in connection with the ownership
               and/or operation of the Building including common areas within
               the office park, but shall not include the replacement of capital
               investment items and new capital improvements. By way of
               explanation and clarification, but not by way of limitation,
               these Operating Expenses will include the following:

               1.   Wages and salaries of all employees engaged in operation and
                    maintenance of the Building and common areas of the office
                    park; employer's social security taxes, unemployment taxes
                    or insurance, and any other taxes which may be levied on
                    such wages and salaries; the cost of disability and
                    hospitalization insurance, pension or retirement benefits,
                    and any other fringe benefits for such employees.

               2.   All supplies and materials used in operation and maintenance
                    of the Building and common areas of the office park.

               3.   Cost of utilities including electricity, fuel oil, gas,
                    sewer and water used by the Building and not charged
                    directly to another tenant.

                                       12
<PAGE>

               4.   Cost of customary Building management and office park
                    management; janitorial services; trash and garbage removal;
                    service and maintenance of all systems and equipment,
                    including, but not limited to, elevators, plumbing, heating,
                    air-conditioning, ventilating, lighting, electrical,
                    security, fire alarms, fire pumps, fire extinguishers, hose
                    cabinets, mail chute, and lawn sprinklers; guard service;
                    painting; caulking; pressure or steam cleaning of Building
                    exterior; roof repairs; window cleaning; and landscaping and
                    gardening.

               5.   Cost of casualty and liability insurance applicable to the
                    Building and office park and Landlord's personal property
                    used in connection therewith.

               6.   All taxes and assessments and governmental charges whether
                    federal, state, county or municipal, and whether they be by
                    taxing districts or otherwise, and any other taxes and
                    assessments attributable to the Building or its operation
                    excluding, however, federal and state taxes on income.

               7.   All charges assessed against the Building or against the
                    underlying land by any property owners association common
                    to the area or subdivision.

               8.   Expenditures for capital improvements which, under generally
                    accepted accounting principles, are regarded as deferred
                    expenses and for capital expenditures required by law, in
                    either of which cases the cost thereof shall be included in
                    Operating Expenses for the calendar year in which the costs
                    are incurred or subsequent years, appropriately allocated to
                    such years on a straight-line basis to the extent that such
                    items are amortized over a useful life or over an
                    appropriate period, but in no event, more than ten years,
                    with the addition of a reasonable interest factor to
                    compensate Landlord for having initially incurred said
                    expenditure;

               9.   If Landlord shall purchase any item of capital equipment or
                    make any capital expenditure designed to result in savings
                    or reductions in any of the elements of Operating Expenses,
                    then the costs for such capital equipment or capital
                    expenditure are to be included within the definition of
                    "Operating Expenses" for the year in which the costs are
                    incurred or subsequent years, appropriately allocated to
                    such years on a straight-line basis to the extent that such
                    items are amortized over such period of time as reasonably
                    can be estimated as the time in which such savings or
                    reductions in Operating Expenses are expected to equal
                    Landlord's costs for such capital equipment or capital
                    expenditure, with the addition of a reasonable interest
                    factor to compensate Landlord for having initially incurred
                    said expenditure. If Landlord shall lease any such item of
                    capital equipment designed to result in savings or
                    reductions in Operating Expenses, then the rentals and other
                    costs paid pursuant to such leasing shall be included in
                    Operating Expenses for the year in which they are incurred.

                                       13

<PAGE>

          (d)  "Tenant's Proportionate Share" means the ratio that the Net
               Rentable Area of the Premises bears to the Net Rentable Area of
               the Building. For the purpose of this Lease, Tenant's
               proportionate share is 27.2 8.11%.

          (e)  "Expense Statement" means a statement from the Landlord setting
               forth the Operating Expenses.

          24.2 Tenant shall pay as Additional Rent Tenant's Proportionate Share
of the Operating Expenses that exceed $7.50 per net rentable square foot for any
calendar year during the Lease Term.

          24.3 For each calendar year after the Base Year, Landlord shall
furnish Tenant with an Expense Statement showing in reasonable detail the
Operating Expenses incurred by the Landlord for the prior calendar year.

          24.4 Within thirty (30) days following receipt by Tenant of the
Expense Statement for the prior calendar year, Tenant shall pay in full,
Tenant's Proportionate Share of the portion of Operating Expenses for the prior
calendar year for which Tenant is liable hereunder.

          24.5 As part of the Expense Statement, Landlord may include an amount
representing Tenant's Proportionate Share of the estimated Operating Expense to
be incurred for the then current calendar year. If the Building did not exist
for the full calendar year immediately preceding a prior calendar year, Landlord
may estimate the increase in Direct Expenses for the current calendar year.

          24.6 Upon receipt of the estimate showing Tenant's Proportionate
Share, the amount thereof shall be divided into twelve (12) equal monthly
installments, and Tenant shall pay Landlord, at the same time that the next
regular monthly rental payment is due, the number of installments necessary to
bring the Tenant current for the calendar year. Credit will be given for any
payment of estimated increases already paid for those months. Subsequent
installments shall be payable together with the regular rent payments for the
balance of the calendar year and shall continue until payments begin under the
following calendar year's Expense Statement.

          24.7 If Tenant's Proportionate Share of Operating Expenses for a prior
calendar year as shown on the Expense Statement is greater than the estimated
payments made by the Tenant for that year, then within thirty (30) days
following receipt by Tenant of the Expense Statement, Tenant shall pay in full
an amount equal to such excess. If Tenant's Proportionate Share of Operating
Expenses actually incurred for prior calendar year as shown on the Expense
Statement is less than the estimated payments made by the Tenant for that year,
then the amount of such overpayment shall be credited against the next Operating
Expense Payments falling due.

          24.8 If this Lease terminates before the end of a calendar year,
payment will be based on the percentage of the year in which Tenant occupied the
Premises.

          24.9 Tenant or its agent, at its expense, shall have the right no more
frequently than once in each calendar year, within sixty (60) days following its
receipt of the Expense Statement, following prior written notice to Landlord, to
audit Landlord's books and records relating to Operating Expenses; or at
Landlord's sole discretion, Landlord will provide an audit prepared by a
certified public accountant. Tenant or its agent shall have a right to observe
the preparation of audit provided Tenant does not interfere with such audit. Any
objections to the Expense Statement must be made, if at all, during such sixty
(60) day period.

          24.10 Notwithstanding any language in the Lease seemingly to the
contrary, if the Building is not fully occupied during any calendar year of the
Lease Term, actual "Operating Expenses" and

                                       14

<PAGE>

the excess for purposes of the referenced above shall be determined as if the
Building had been fully occupied during such year. For the purpose of the Lease
"fully occupied" shall mean occupancy of 95% of the Net Rentable Area in the
Building.

     25. PEACEFUL ENJOYMENT.

          25.1 Tenant shall, and may peacefully enjoy the Premises against all
persons claiming by, through or under Landlord, subject to the other terms
hereof, provided that Tenant pays the rent and other sums herein recited to be
paid by Tenant and performs all of Tenant's covenants and agreements in this
Lease.

          25.2 The foregoing covenant and any and all other covenants of the
Landlord shall be binding upon Landlord and its successors only with respect to
breaches occurring during its or their respective periods of ownership of the
Tenant's interest hereunder.

     27. HOLDING OVER.

          27.1 If Tenant holds over without Landlord's written consent after
expiration or other termination of this Lease, or if Tenant continues to occupy
the Premises after termination of Tenant's right of possession pursuant to the
provisions of Paragraph 23.2(c), Tenant shall throughout the entire holdover
period pay rent equal to one hundred fifty percent (150%) the Base Rental and
Additional Rent which would have been applicable had the term of this Lease
continued through the period of such holding over by Tenant. Landlord and Tenant
maintain the right to terminate this month to month tenancy with thirty (30)
days following written notification to the other party.

          27.2 No possession by Tenant after the expiration of the term of this
Lease shall be construed to extend the term of this Lease unless Landlord has
consented to such possession in writing.

     28. SUBORDINATION TO MORTGAGE.

          28.1 This Lease is and shall be subject and subordinate only to a
first mortgage, whether presently existing or hereafter arising upon the
Premises or upon the Building and to any renewals, modifications, refinancings
or extensions thereof, but Tenant agrees that any such first mortgagee shall
have the right to subordinate such first mortgage to this Lease on such terms
and subject to such conditions as such first mortgagee may deem appropriate in
its discretion.

          28.2 Landlord is hereby irrevocably vested with full power and
authority to subordinate this Lease to any first mortgage, now existing or
hereafter placed upon the Premises or the Building as a whole, and Tenant agrees
upon demand to execute such further instruments subordinating the Lease or
attorning to holder of any such first lien as Landlord may request. Landlord
represents that on the date of execution of this Lease there is no mortgage
encumbering the Building or the property. Any subordination by Tenant to any
first mortgage hereinafter placed upon the Premises or the Building shall be
contingent upon the holder thereof having first given Tenant a non-disturbance
agreement.

                                       15

<PAGE>

          28.3 The terms of this Lease are subject to approval by the Landlord's
permanent first lender, and such approval is a condition precedent to Landlord's
obligations hereunder. In addition, all leases of portions of the Building will
be subordinate to such permanent first lender's mortgage.

          28.4 If Tenant should fail to execute any subordination or other
agreement required by this paragraph, promptly as requested, Tenant hereby
irrevocably constitutes Landlord as its attorney-in-fact to execute such
instrument in Tenant's name, place and stead, it being agreed that such power is
one coupled with an interest.

          28.5 Tenant agrees that it will from time to time upon request by
Landlord execute and deliver to such persons as Landlord shall request a
statement in recordable form certifying that this Lease is unmodified and in
full force and effect (or if there have been modifications, that the same is in
full force and effect as so modified), stating the dates to which rent and other
charges payable under this Lease have been paid, stating that Landlord is not in
default hereunder (or if Tenant alleges a default stating the nature of such
alleged default) and further stating such other matters as Landlord or its
mortgagee(s) shall reasonably require.

          28.6 Tenant shall, in the event of the sale or assignment of
Landlord's interest in the Building or in the event of any proceedings brought
for the foreclosure of, or in the event of exercise of the power of sale under,
or taking by deed in lieu of foreclosure of, any first mortgage made by Landlord
covering the Premises, give full and complete attornment to the purchaser and
recognize the purchaser as Landlord under this Lease for the balance of the term
of this Lease, including any extensions or renewals thereof.

     29. LANDLORD'S LIEN.

          29.1 Tenant hereby grants to Landlord a lien and security interest on
all property of Tenant now or hereafter placed in or upon the Premises, and such
property shall be and remain subject to such lien and security interest of
Landlord for payment of all rent and other sums agreed to be paid by Tenant
herein. It is provided, however, the Landlord shall not have a lien which would
be superior to a lien from a lending institution, supplier or leasing company,
if such lending institution, supplier or leasing company has a security interest
in the equipment, furniture or other tangible personal property and which
security interest has its origin in a transaction whereby Tenant acquired such
equipment, furniture or other tangible personal property.

          29.2 The provisions of this paragraph relating to such lien and
security interest shall constitute a security agreement under and subject to the
Uniform Commercial Code of the State of Florida so that Landlord shall have and
may enforce a security interest on all property of Tenant now or hereafter
placed in or on the Premises, in addition to and cumulative of the Landlord's
liens and rights provided by law or by the other terms and provisions of this
Lease.

          29.3 Tenant agrees to execute as debtor such financing statement or
statements and such other documents as Landlord may now or hereafter request in
order to protect or further perfect Landlord's security interest.

     30. ATTORNEYS' FEES. If either party hereto brings any action to enforce
rights under this Lease, whether judicial, administrative, or otherwise, the
prevailing party in that action shall be entitled to recover from the losing
party all collection and court costs incurred, including reasonable attorneys'
fees, whether such costs and fees are incurred out of court, at trial, on
appeal, or in any bankruptcy proceeding.

                                       16

<PAGE>

     31. NO IMPLIED WAIVER.

          31.1 The failure of Landlord to insist at any time upon the strict
performance of any covenant or agreement or to exercise any option, right,
power or remedy contained in this Lease shall not be construed as a waiver or a
relinquishment thereof for the future.

          31.2 No payment by Tenant or receipt by Landlord of a lesser amount
than the monthly installment of rent due under this Lease shall be deemed to be
other than on account of the earliest rent due, nor shall any endorsement or
statement on any check or any letter accompanying any check or payment as rent
be deemed an accord and satisfaction, and Landlord may accept such check or
payment without prejudice to Landlord's right to recover the balance of such
rent or pursue any other remedy provided in this Lease.

     32. PERSONAL LIABILITY. The liability of Landlord to Tenant for any default
by Landlord under this Lease shall be limited to the interest of Landlord in the
Building and Property and Tenant agrees to look solely to Landlord's interest in
the Building and the Property for the recovery of any judgment from the
Landlord, it being intended that Landlord shall not be personally liable for any
judgment of deficiency.

     33. SECURITY DEPOSIT.

          33.1 The Security Deposit shall be held by Landlord without liability
for interest and as security for the performance by Tenant of Tenant's covenants
and obligations under this Lease, it being expressly understood that the
Security Deposit shall not be considered an advance payment of rental or a
measure of Tenant's damages in case of default by Tenant. Landlord may commingle
the Security Deposit with other security deposits, and shall not be required to
pay interest on the Security Deposit.

          33.2 Landlord may, from time to time without prejudice to any other
remedy, use the Security Deposit to the extent necessary to make good any
arrearages of rent or to satisfy any other covenant or obligation of Tenant
hereunder. Following any such application of the Security Deposit, Tenant shall
pay to Landlord on demand the amount so applied in order to restore the Security
Deposit to its original amount.

          33.3 If Tenant is not in default at the termination of this Lease, the
balance of the Security Deposit remaining after any such application shall be
returned by Landlord to Tenant.

          33.4 If Landlord transfers its interest in the Premises during the
term of this Lease, Landlord may assign the Security Deposit to the transferee
upon written notification to Tenant and thereafter Landlord shall have no
further liability for the return of such Security Deposit.

     34. FORCE MAJEURE. Whenever a period of time is herein prescribed for the
taking of any action by Landlord, Landlord shall not be liable or responsible
for, and there shall be excluded from the computation of such period of time,
any delays due to strikes, riots, acts of God, shortages of labor or materials,
war, governmental laws, regulations or restrictions, financing, or any other
cause whatsoever beyond the control of Landlord.

     35. RELATIONSHIP OF PARTIES. Nothing contained in this Lease shall be
deemed or construed by the parties hereto, nor by any third party, as creating
the relationship of principal and agent or of partnership or of joint venture
between the parties, hereto, it being understood and agreed that neither the
method of computation of rent, nor any other provision contained herein, nor any
acts of the parties herein, shall be deemed to create any relationship

                                       17

<PAGE>

between the parties hereto other than the relationship of Landlord and Tenant.

     36. HAZARDOUS MATERIAL.

          36.1 The Tenant agrees not to store in, on or outside of the Premises
any hazardous materials of any type, as defined by any local, state or federal
agency, or any other toxic, corrosive, reactive or ignitable material.

          36.2 The Tenant agrees to document all hazardous waste disposal, if
any, and to keep the same on file for five (5) years and to document the same by
one of the following types of documentation: A hazardous waste manifest; a bill
of lading from a bonded hazardous substance transporter showing shipment of a
licensed hazardous waste facility; or a confirmation of receipt of materials
from a recycler, a waste exchange operation, or other permitted hazardous waste
management facility.

          36.3 Tenant agrees not to generate hazardous effluents.

          36.4 Tenant agrees to allow reasonable access to facilities for
monitoring of the above by Landlord, Dade County, DERM and the Florida DER to
assure compliance with the above as well as any other conditions relating to the
use of the subject property.

          36.5 Violation of any of the above shall be deemed to be a default on
the part of Tenant of the terms of this Lease.

     37. RADON. In compliance with Florida law. Landlord is required to provide
the following notification: "Radon Gas: Radon is a naturally occurring
radioactive gas that, when it has accumulated in a building in sufficient
quantities, may present health risks to persons who are exposed to it over time.
Levels of radon that exceed federal and state guidelines have been found in
buildings in Florida. Additional information regarding radon and radon testing
may be obtained from your county public health unit."

     38. LIGHT AND VIEW. If the view from the demised premises or the light
entering the demised premises are interfered with for any reason whatsoever
including, but not limited to Landlord's own acts, Landlord shall not be liable
for any damage Tenant may sustain thereby and Tenant shall not be entitled to
any compensation therefore nor abatement or diminution of rent nor shall the
same release Tenant from its obligations hereunder nor constitute an eviction.

     39. MISCELLANEOUS.

          39.1 Severability. If any term or provision of this Lease, or the
application thereof to any person or circumstance, shall, to any extent, be
invalid or unenforceable, the remainder of the Lease, or the application of such
term or provision to persons or circumstances other than those as to which it is
held invalid or unenforceable shall not be affected thereby, and each term and
provision of this Lease shall be valid and enforceable to the fullest extent
permitted by applicable law.

          39.2 Recordation. Tenant agrees not to record this Lease or any
memorandum hereof but Landlord may record this Lease or a memorandum thereof, at
its sole election. Tenant shall join in the execution of any such memorandum of
lease requested by Landlord.

          39.3 Governing Law. This Lease and the rights and obligations of the
parties hereto are governed by the laws of the State of Florida.

          39.4 Time of Performance. Except as expressly otherwise herein
provided, with respect to all required acts of Tenant, time is of the essence
of this Lease.

                                       18

<PAGE>

          39.5 Transfers by Landlord. Landlord shall have the right to transfer
and assign, in whole or in part, all its rights and obligations hereunder and in
the Building, and the Premises referred to herein, and in such event and upon
such transfer Landlord shall be released from any further obligations hereunder,
and Tenant agrees to look solely to such successor in interest of Landlord for
the performance of such obligations accruing after such transfer.

          39.6 Floor Load Limit. Tenant shall not place a load upon any floor of
the Premises exceeding the floor load per square foot area which such floor was
designed to carry and which may be allowed by law. Landlord reserves the right
to prescribe the weight limitations and position of all heavy equipment and
similar items, and to prescribe the reinforcing necessary, if any, which in the
opinion of Landlord may be required under the circumstances, such reinforcing to
be at Tenant's expense.

          39.7 Brokers. Tenant warrants that it has had no dealings with any
real estate broker or agents in connection with the negotiation of this Lease
excepting only The Hogan Group, Inc., who will be compensated by Landlord in
accordance with a separate agreement. Tenant further warrants that it knows of
no other real estate broker or agent, other than those who are named above, who
is entitled to a real estate commission in connection with this Lease and Tenant
agrees to indemnify Landlord against any claims for commission and expenses
created by such claim by any other real estate broker or agent with whom the
Tenant may have dealt or communicated.

          39.8 Real Estate Broker's Commissions. Landlord and Tenant recognize
it is possible either party may hereafter make additional agreements regarding
extension or renewal of this Lease, or a new lease or leases for all or one or
more parts of the Premises or other space in the 5775 Waterford Building for a
term or terms commencing after expiration of this Lease. Landlord and Tenant
recognize it is also possible either party may hereafter modify this Lease to
add additional space or to substitute space as part of the Premises. If any such
additional agreements, new leases or modifications to this Lease are made,
Landlord shall not have any obligation to pay any compensation to any real
estate broker or any other third party engaged by Tenant to render services to
Tenant in connection with negotiating such matters, regardless of whether under
the circumstances such party is or is not regarded by the law as an agent of
Landlord, and regardless of whether such third party was previously compensated
by Landlord under this lease or any previous lease with Tenant.

          39.9 Effect of Delivery of This Lease. Landlord has delivered a copy
of this Lease to Tenant for Tenant's review only and the delivery hereof does
not constitute an offer to Tenant or and option to Lease. This Lease shall not
be effective until a copy executed by both Landlord and Tenant is delivered to
and accepted by Landlord.

          39.10 Paragraph Headings. The paragraph or subparagraph headings are
used for convenience of reference only and do not define limit or extend the
scope or intent of the paragraphs.

          39.11 Definitions. The definitions set forth in paragraph 1 are hereby
made part of this Lease.

          39.12 Exhibits. "A", "B", "C", "D", "E" and the following exhibits are
attached hereto and incorporated herein and made a part of this Lease for all
purposes:

                                       19

<PAGE>

<TABLE>
<CAPTION>
  Exhibits             Description
  --------             -----------
<S>           <C>
Exhibit "A"   Legal Description
Exhibit "B"   Floor Plan
Exhibit "C"   Annual Rent Adjustment
Exhibit "D"   Workletter Agreement
Exhibit "E"   Building Rules & Regulations
</TABLE>

          39.13 NOTICES.

          (a)  The Tenant shall pay the rent and shall forward all notices to
               Landlord at the following address (or at such other place as
               Landlord may hereafter designate in writing):

               THE HOGAN GROUP, INC.
               5775 Blue Lagoon Drive
               Suite 102
               Miami, Florida 33126

          (b)  The Landlord shall forward all notices to Tenant at the following
               address (or at such other places as Tenant may hereafter
               designate in writing):

               Oral Health Services of Florida, Inc.
               5775 Blue Lagoon Drive
               Suite 400
               Miami, Florida 33126

          (c)  Any notice provided for in this Lease must, unless otherwise
               expressly provided herein, be in writing, and may, unless
               otherwise expressly provided, be given or be served by depositing
               the same in the United States mail, postage pre-paid and
               certified and addressed to the party to be notified with return
               receipt requested, or by delivering the same in person to an
               officer of such party.

          (d)  Notice deposited in the mail in the manner herein above shall be
               effective upon receipt, unless such mail is unclaimed, in which
               event notice shall be effective five (5) days after the date of
               mailing.

          39.14 Tenant Obligation; The obligation of Tenant to pay any sums due
under this Lease shall survive the expiration or termination of this Lease.

          39.15 Confidentiality: Lessee will maintain the confidentiality of
this Lease and will not divulge the economic or other terms of this Lease, in
writing, to any persons, other than Lessee's officers, directors, partners or
shareholders; Lessee's attorneys, accountants and other professional
consultants; any governmental agencies; and pursuant to subpoena or other legal
process.

          39.16 Existing Lease Obligation: As of the Commencement Date of this
Lease, Tenant's leases for the premises located at 5775 Blue Lagoon Drive dated
October 21, 1987 ("1987 Lease") and May 31, 1989 ("1989 Lease") shall be
cancelled and Tenant shall have no further obligations thereunder.
Notwithstanding the foregoing, Tenant shall remain liable for any obligations of
Tenant which accrued under the 1987 Lease or the 1989 Lease on or before the
Commencement Date of this Lease.

          39.17 Restoration of Fourth Floor Lobby: Prior to the end of the Lease
Term, or upon such date that this Lease is terminated. Tenant shall pay to
Landlord and amount equal to Landlord's estimated cost to restore the fourth
floor janitorial closet and the elevator lobby wall of the Building to its
original condition normal wear and tear excepted.

                                       20

<PAGE>

     40. Waiver by Tenant: Tenant expressly waives all of the following: (A) The
requirement under Chapter 83.12 of the Florida Statutes that the plaintiff in
his distress for rent action file a bond payable to the Tenant in at least
double the sum demanded by the plaintiff, it being understood that no bond shall
be required in any such action; (B) The right of Tenant under Chapter 83.14 of
the Florida Statutes to replevy distrained property; (C) In the event of suit by
or against Landlord, then the venue of such suit shall be in Dade County,
Florida, and the Tenant hereby waives, for itself whatever rights it may have in
the selection of venue; (D) Trial by jury in connection with the proceedings or
claims brought by either of the parties against the other; (E) the right of
counterclaim in any action brought by Landlord against Tenant for damages or for
possession of the Premises due to nonpayment of Base Rental of other sums
required of Tenant under this Lease; and (F) The notice requirement set forth in
section 83.20 of the Florida Statutes.

IN WITNESS WHEREOF, Landlord and Tenant have executed this Lease in multiple
original counterparts as of the day and year first above written.

Executed in the Presence of:            "LANDLORD"

                                        WRC PROPERTIES, INC.

/s/ Daniel Donoghue                     /s/ Alan E. Lang
-------------------------------------   ----------------------------------------
Witness                                 Name: Alan E. Lang
                                        Title: Assistant Secretary
                                        Date: 4/6/95
/s/ N.S. Tucker
-------------------------------------
Witness

Executed in the Presence of:            "TENANT"
                                        ORAL HEALTH SERVICES OF FLORIDA, INC.

/s/ illegible                           /s/ Henry C. Tie Shue
-------------------------------------   ----------------------------------------
Witness                                 Name: Henry C. Tie Shue
                                        Title: CEO
                                        Date: 3/27/95
/s/ illegible
-------------------------------------   Federal I.D. Number or S.S.
Witness                                 Number: 59-1958717

                                        If Corporation Affix
                                        Corporate Seal.

                                        3/27/95
                                        Date

                                       21

<PAGE>

                                   EXHIBIT "A"

                             5775 WATERFORD BUILDING

                                LEGAL DESCRIPTION

Lot 4, Block 1, BLUE LAGOON WEST SECTION ONE, according to the Plat thereof, as
recorded in Plat Book 118, at Page 76, of the Public Records of Dade County,
Florida, being more particularly described by metes and bounds as follows:

Begin at the Southwest corner of said Lot 4; thence run N2 20'22"W for 329.12
feet to a point of intersection with the South Right-of-Way line of EAST-WEST
EXPRESSWAY, according to the Plat thereof, as recorded in Plat Book 81, at Page
14, of the Public Records of Dade County, Florida; thence run S78 26'54"E, along
said South Right-of-Way line, for 288.44 feet; thence run S2 20'22"E for 376.13
feet to a point of intersection with a circular curve; thence run Northwesterly
and Southwesterly along said circular curve, being a circular curve to the left
having for its elements a central angle, of 16 45'44", a radius of 1,040 feet
and a chord bearing of N69 47'28" feet for an arc distance of 304.26 feet to the
Point of Beginning; containing 96,490 Square Feet, more or less.

<PAGE>

                                   EXHIBIT "B"

                                   FLOOR PLAN

                      ORAL HEALTH SERVICES OF FLORIDA, INC.
                             5775 WATERFORD BUILDING
                           15,969 RENTABLE SQUARE FEET
                                 SUITE 400 & 325

                                  (FLOOR PLAN)

                                  (FLOOR PLAN)

<PAGE>

                                   EXHIBIT "C"

                             5775 WATERFORD BUILDING

                             ANNUAL RENT ADJUSTMENT

I.   INDEX ADJUSTMENT OF BASE RENTAL

     (A) Tenant shall pay the monthly installments of the Base Rental as same
comes due through the end of the first Lease Year, and thereafter the Base
Rental shall be increased annually at the commencement of each successive Lease
Year in an amount equal to the Base Rental in effect during the first Lease Year
less $7.50, multiplied by a fraction, the numerator of which shall be the
"Index" (as defined below) published for the tenth (10th) calendar month of the
immediately preceding Lease Year, and the denominator of which shall be the
Index published for the calendar month of the Commencement date.

          The Base Rental, as increased, shall then be payable during the
ensuing Lease Year in the same manner as otherwise provided for the payment of
the Base Rental.

     (B) The "Index" shall be defined as the "Consumer Price Index for all Urban
Consumers-All Cities" (the national index). (Such index being that published by
the Bureau of Labor Statistics of the United States Department of Labor). If for
any reason the Index is not published for any particular month during the Lease
Term as may be required for the foregoing computation of the increased Base
Rental, then the Index next published shall be used in its stead; and in the
event that the Index shall no longer be published, or if the method of computing
the Index shall be substantially altered, then another index generally
recognized as authoritative and reflecting data substantially similar to the
information used to compute the Index shall be substitute for the index by
agreement of Landlord and Tenant as to such index and the manner in which it is
to be used hereunder. If Landlord and Tenant are unable to agree as to a
substitute index, such dispute shall be submitted to arbitration pursuant to the
rules of the American Arbitration Association and the laws of the State of
Florida, and the decision of such arbitration may be confirmed by final
judgement of a court having appropriate jurisdiction.

     (C) In the event that for any reason whatsoever (whether due to the lack of
an index or dispute or otherwise), Landlord is unable to notify Tenant of the
increased Base Rental payable during any Lease Year, Tenant shall continue to
pay the monthly installments of the Base Rental payable during the immediately
preceding Lease Year, until such time as notice of the appropriate Base Rental
amount is given, at which time Tenant shall promptly pay the full amount of any
deficiency resulting from the underpayment of Base Rental.

<PAGE>

                                   EXHIBIT "D"

                             5775 WATERFORD BUILDING

                              WORK LETTER AGREEMENT

This Work Letter agreement (this "Work Letter") is attached to and made part of
that certain 5775 Waterford Office Lease Agreement (the "Lease") dated the
______ day of ___________________, 19__ by and between WRC Properties, Inc.
("Landlord") and Oral Health Services of Florida, Inc., ("Tenant"). The terms,
definitions and other provisions of the Lease are hereby incorporated into this
Work Letter by reference.

In consideration of the execution of the Lease and the mutual covenants and
conditions hereinafter set forth, Landlord and Tenant agree as follows:

1.   Building Standard Improvements:

     (a)  This Work Letter sets forth the agreement with respect to the
          construction of the "Building Standard Improvements", which is
          understood to mean (i) the "Shell Improvements" (as hereinafter
          defined) and (ii) any additional improvements constructed or installed
          on the Premises for Tenant's use using "Building Grade" (as
          hereinafter defined) construction and materials. Any other
          improvements to the Premises that require construction methods or
          materials other than Building Grade shall be deemed to be
          "Non-Standard Improvements". All improvements to the Shell
          Improvements, whether constructed or installed by Landlord or Tenant,
          shall be hereinafter referred to as the "Tenant Improvements", which
          term shall include both Building Grade and any Non-Standard
          Improvements.

     (b)  "Shell Improvements" shall mean the following improvements which have
          been or will be provided by Landlord, at its expense, in connection
          with the construction of the Building:

          (1)  Exterior Building windows, walls and roof structure and
               unfinished concrete block finished in sheetrock with walls
               surrounding Common Areas and Service Areas.

          (2)  Unfinished concrete floors and ceilings.

          (3)  Fully equipped and finished Common Areas and Service Areas,
               including elevators, elevator lobbies, restrooms, mechanical and
               electrical rooms.

          (4)  Heating, ventilation and air-conditioning system with main high
               pressure ductwork distribution to all floor areas.

          (5)  Base Building electrical meter rooms equipped with panels and
               breakers to code.

          (6)  Public corridor areas as needed to serve the Premises (except
               those Building Floors to be occupied by a single tenant), with
               floors, interior walls and ceilings finished with Building Grade
               Materials.

                                        1

<PAGE>

     (c)  In accordance with and subject to the provisions of this Work Letter,
          Landlord shall, at Tenant's expense, construct and install the Tenant
          Improvements, including the Non-Standard Improvements, if any. Unless
          otherwise agreed in writing, Landlord shall use the following Building
          Grade construction methods and materials where appropriate or some
          other substantially comparable construction method or material deemed
          by Landlord (in its sole discretion) to the Building Grade:

          (1)  Interior Partitions: Taped, finished and painted (two coats of
               flat latex, MAB or approved equal) partitioning to be constructed
               with one layer of 1/2" drywall mounted on each side of 3 1/2"
               metal studs, extending above the finished ceiling height and
               having 2 1/2" vinyl base throughout.

          (2)  Interior Demising Walls: Tenant separation and corridor walls
               consisting of one layer of 5/8" of fire-rated drywall mounted on
               each side of 3 5/8" metal studs, running from floor slab to
               ceiling slab, with 3 5/8" layer of insulation in the wall cavity;
               Tenant to be responsible only for one-half of the cost of such
               tenant separation and corridor walls. Any other unfinished
               concrete surfaces (walls to columns) to be wrapped with drywall;
               Tenant to bear full cost of such wrapped concrete walls. All
               demising walls to be taped, finished and painted (two coats) and
               vinyl base installed in the same manner prescribed for the
               interior partitions.

          (3)  Building Exterior Wall: All window openings will have Landlord
               specified horizontal mini-blinds.

          (4)  Entry Doors: Solid core mahogany wood veneer (8' 6" height, 3'
               width) metal frames. Maximum of two (2) entry doors per Tenant.
               Hardware to be lever handle.

          (5)  Interior Doors: Solid core wood veneer set in metal frames.
               Hardware to match Entry Doors, with closers only as required by
               building code.

          (6)  Carpeting: Commercial grade, glue down, throughout Premises.

          (7)  Heating, ventilation and air conditioning: Low pressure ductwork
               and flex duct air distribution system throughout the Premises
               with air diffusers, VAV boxes (Trane or approved equal) and
               thermostats (controls compatible with the Building Shell
               Improvements) as required.

          (8)  Electrical: Wiring and conduit per code, as required for
               standard wall-mounted duplex power outlets, switches and 2' x 4'
               lighting fixtures with complete circuitry to electrical panels.

          (9)  Lighting: 2' x 4' lay-in fixtures with three fluorescent tubes
               each, with wiring, conduit and circuitry.

          (10) Telephone Outlets: Wall-mounted box with pull string to top of
               partition for tenant telephone system.

          (11) Ceiling: 2' x 2' lay-in acoustical ceiling tile and 1" wide metal
               grid.

                                        2

<PAGE>

          (12) Fire Protection and Security Equipment: Exit lights, fire
               extinguishers and fire dampers as required per code. In addition
               to door locks entry and interior doors, as needed, Tenant shall
               provide a security lock as designed by Landlord on each stairwell
               door that is an integral part of the Premises.

     (d)  Landlord's obligation to construct any Non-Standard Improvements
          requested by Tenant shall be subject to the provisions of this Work
          Letter pertaining to (i) Landlord's review of the "Plans and
          Specifications" (as hereinafter defined) and (ii) any delay in
          "Substantial Completion" (as hereinafter defined) due to Tenant's
          specification of construction or materials other than Building Grade.

2.   Tenant Improvement Allowance; Tenant's Costs:

     (a)  Landlord shall provide Tenant with an allowance (the "Tenant
          Improvement Allowance") as a credit against the cost of the Tenant
          Improvements, including the Non-Standard Improvements. The Tenant
          Improvement Allowance shall be equal to (see Paragraph 3.3 of Lease)
          and 00/100 Dollars ($0.00) per square foot of Usable Area of the
          Premises, which equates to the total amount of $0.00 and 00/l00
          Dollars ($0.00), subject to adjustment based on verification of the
          Usable Area of the Premises pursuant to the Lease. To the extent that
          the total cost of the Tenant Improvements (including the cost of the
          Non-Standard Improvements) exceeds the Tenant Improvement Allowance,
          Tenant shall pay the full amount of such excess ("Tenant Costs") as
          follows:

          (1)  Prior to commencement of construction of the Tenant Improvements,
               Tenant shall pay Landlord an amount equal to fifty percent (50%)
               of the Tenant's Costs, as such amount is then determined by
               reference to the "Construction Budget" (as hereinafter defined).

          (2)  Prior to taking occupancy of the Premises, Tenant shall pay
               Landlord an amount equal to the remaining unpaid balance of
               Tenant's Costs, and such amount can then be reasonably determined
               by Landlord based on available information.

          (3)  Within ten (10) days following Landlord' s submittal to Tenant of
               a final accounting of Tenant's Costs, Tenant shall pay Landlord
               the then remaining balance of Tenant's Costs, or Landlord shall
               reimburse Tenant as to any excess amounts previously paid, as the
               case may be.

     (b)  Tenant's Costs represent a reimbursement of monies expended by
          Landlord on Tenant's behalf. Payment when due shall be a condition to
          Landlord's continued performance under this Work Letter. Any delay in
          construction of the Tenant's Improvements or in Tenant taking
          occupancy of this Premises, resulting from Tenant's failure to make
          any Tenant's Cost payment when due shall be Tenant's responsibility.
          Tenant's failure to pay any portion of Tenant's Costs when due shall
          constitute a default under the Lease (subject to any applicable notice
          requirements or grace periods), entitling Landlord to all of its
          remedies thereunder.

     (c)  Tenant shall not receive any credit or payment for any unused portion
          of the Tenant Improvement Allowance.

                                        3

<PAGE>

3.   Plans and Specifications; Construction Budget:

     (a)  The Tenant Improvements shall be completed in accordance with detailed
          architectural and engineering working drawings and material
          specifications (the "Plans and Specifications") which shall be
          prepared at Tenant's expense and shall be in a form and content as
          necessary to allow Landlord's contractor(s) to obtain all required
          building permits and approvals. The Plans and Specifications shall
          include the following:

          (1)  fully dimensioned architectural plan;

          (2)  electric/telephone outlet diagram;

          (3)  reflective ceiling plan with light switches;

          (4)  mechanical plan;

          (5)  electric power circuitry diagram;

          (6)  schematic plumbing riser diagram (if any);

          (7)  all color and finish selections; and

          (8)  all special equipment and fixture specifications.

     (b)  Tenant may utilize either the space planner architect designated by
          Landlord ("Landlord's architect"), or some other licensed architect or
          space planner in preparation of items (1) through (3), (7) and (8) as
          provided in subparagraph (a) of this Section; provided that if Tenant
          elects to use some other licensed architect or space planner, that
          portion of the Plans and Specifications must be prepared and sealed as
          may be required for issuance of a building permit. In any event, items
          (4), (5) and, if necessary, item (6) must be prepared by the
          engineer(s) designated by Landlord ("Landlord's engineers"). For
          preparation of the full Plans and Specifications, the total fees
          imposed by Landlord's architect and engineers shall not exceed 0.00
          and 00/100 Dollars ($0.00) per square foot of Usable Area of the
          Premises, plus reimbursable expenses. Should Tenant elect to utilize
          some other licensed architect, the total charge for (i) preparation of
          the engineering drawings and specifications by Landlord's engineers
          and (ii) coordination of Tenant's architectural drawings and
          specifications by Landlord's architect shall not exceed 0.00 and 00
          /100 Dollars ($0.00) per square foot of Usable Area of the Premises,
          plus reimbursable expenses. Any charges to be paid to Landlord's
          architect and engineers by Tenant in connection with the preparation
          of the Plans and Specifications shall be deemed to be part of Tenant's
          costs. Notwithstanding the foregoing limitations on Landlord's charges
          for the Plans and Specifications, Tenant shall pay the full cost, as
          reasonably determined by Landlord, of the Plans and Specifications
          prepared in connection with any Non-standard Improvements.

     (c)  Tenant shall cause the Plans and Specifications to be prepared, at
          Tenant's expense, and submitted to Landlord not later than N/A.
          Landlord shall then have a period of not more than ten (10) days
          following such submittal in which to review and approve the Plans and
          Specifications or state any objections to same in writing. Landlord's
          approval shall not be unreasonably withheld, and any objections shall
          be reasonable in nature and stated in sufficient detail so as to allow
          necessary modification by Tenant. Tenant shall have a period of not
          more than twenty (20) days following receipt of Landlord's
          objection(s), if any, to make necessary modifications to the Plans and
          Specifications and resubmit same to Landlord in final form. Once
          accepted by Landlord in final form, the Plans and Specifications may
          be modified only with Landlord's written approval, and Tenant shall be
          liable for any additional costs incurred as a result of any such
          change.

                                        4

<PAGE>

     (d)  Should Tenant fail to either (i) submit the Plans and Specifications
          to Landlord by the date specified in subsection (c) of this Section or
          (ii) make any reasonable modifications to same and resubmit to
          Landlord as so specified, then such failure shall be construed as a
          material event of default under the Lease, entitling Landlord to the
          remedies provided thereunder.

     (e)  Within fifteen (15) days following receipt of the final approved Plans
          and Specifications, Landlord shall have its contractor(s) prepare an
          estimated budget (the "Construction Budget") of the cost of the Tenant
          Improvements, including the Non-standard Improvements, and shall
          submit same to Tenant. The Construction Budget shall be in reasonable
          detail and shall reflect a unit cost for all improvements which is
          reasonable in amount, given the then current market conditions
          pertinent to labor and material costs for such construction. The cost
          of the Tenant Improvements, as set forth in the Construction Budget,
          shall also include (i) the cost of all utilities, air conditioning,
          elevators, and security services provided during construction and (ii)
          the cost of any Building Standard Improvements to the Premises
          previously constructed by Landlord in excess of the Shell
          Improvements. The Construction Budget shall be used as a basis for
          calculating Tenant's Costs, if any. Following final completion of the
          Tenant Improvements, Landlord shall provide Tenant with a statement of
          actual costs thereof, including the cost of any approved change
          orders.

4.   Contractor(s); Permits; Performance Bond:

     (a)  Landlord shall use its own contractor(s) and shall obtain all building
          permits necessary to complete all Building Standard Improvements and
          any Non-Standard Improvements, with the exception of any item(s),
          (whether or not shown in the Plans and Specifications) which may be
          agreed in writing to be constructed or installed by Tenant or Tenant's
          contractor(s). Tenant shall bear the cost of all building permits.

     (b)  In the event that the parties hereto have agreed that Tenant will
          undertake to provide some portion of the Tenant Improvements, Tenant
          shall use licensed contractors, approved by Landlord, and shall be
          responsible for obtaining all necessary permits and approvals at
          Tenant's sole expense. Tenant shall advise its contractor(s),
          subcontractor(s) and material supplier(s) that no interest of Landlord
          in the Premises, the Building or the Property shall be subject to
          liens to secure payment of any amount due for work performed or
          materials installed in the Premises and that Landlord has recorded a
          notice to that effect in the public records of Dade County, Florida.
          Landlord shall permit Tenant and Tenant's contractor(s) to enter the
          Premises prior to the Commencement Date to accomplish any work as
          agreed, however, Tenant agrees to insure that its contractor(s) does
          (do) not impede Landlord's contractor(s) in performance of their
          respective tasks. Landlord shall not be liable in any way for any
          injury, loss, damage or delay which may be caused by or arise from
          such entry by Tenant, its employees or contractor(s). Should Tenant
          undertake a portion of the Tenant Improvements or employ any
          contractor(s) other than Landlord's contractor(s), Tenant shall pay
          Landlord a fee equal to ten percent (10%) of the cost of the work
          undertaken by Tenant or Tenant's contractor(s), such fee to compensate
          Landlord for coordination and supervision of the integration of the
          work to be done by Tenant or Tenant's contractor(s) into the overall
          job.

                                        5

<PAGE>

     (c)  Landlord shall have the right to disapprove any of Tenant's
          contractors or subcontractors if Landlord has reason to believe that
          such contractors or subcontractors are: (i) not licensed as required
          by any governmental agency; (ii) not technically qualified or
          sufficiently staffed to do the work; (iii) not financially capable of
          undertaking the work; and/or (iv) incompatible with any of Landlord's
          contractors or subcontractors working on the Building (such
          incompatibility to include possible conflicts with any union
          contractors employed by Landlord).

     (d)  In the event that the total cost of the Tenant Improvements (including
          the Non-Standard Improvements) to be constructed and installed by
          Landlord exceeds $100,000.00, Landlord may require its contractor(s)
          to provide a performance and payment bond(s) covering such
          construction. Should Tenant undertake construction of a portion of the
          Tenant Improvements costing in excess of $100,000.00, then Tenant
          shall require its contractor(s) to provide performance and payment
          bond(s) covering the total value of such work. In any case, the cost
          of the performance and payment bond premiums shall be borne by tenant.

5.   Construction of the Improvements:

     (a)  Landlord shall substantially complete the Building Standard
          Improvements, and the Non-Standard Improvements, if any, in accordance
          with the Plans and Specifications, not later than the Commencement
          Date as specified in the Lease. "Substantial Completion" shall mean
          that the Building Standard Improvements and the Non-Standard
          Improvements are sufficiently complete so as to allow Tenant to occupy
          the Premises for the use and purposes intended without unreasonable
          disturbance or interruption; provided that Landlord, its employees,
          agents and contractors, shall be allowed to enter upon the Premises at
          any reasonable time(s) following the Commencement Date as necessary to
          complete any unfinished details, and such entry shall not constitute
          an actual or constructive eviction of Tenant, in whole or in part, nor
          shall it entitle Tenant to any abatement or diminution of rent or
          relieve Tenant from any obligation under the Lease.

     (b)  Tenant shall be responsible for any delay in Substantial Completion
          past the scheduled Commencement Date resulting from any of the
          following causes:

          (1)  Tenant's failure to submit the Plans and Specifications (or any
               necessary modifications or additions thereto) within the time
               periods specified in this Work Letter; or

          (2)  Tenant's failure to pay any portion of Tenant's Costs when
               due; or

          (3)  Tenant's specification of special materials or finishes, or
               special installations other than as may be specified by Landlord
               as Building Grade, which special items cannot be delivered or
               completed within Landlord's construction schedule (subject to
               Landlord's obligation to give Tenant notice of same as
               hereinafter provided); or

          (4)  any change in the Plans and Specifications caused by Tenant once
               finally approved and accepted by Landlord, even though Landlord
               may approve such change; or

                                        6

<PAGE>

          (5)  the performance of or failure to perform any special work or
               installation by any person or firm employed by Tenant to do any
               work on the Premises; or

          (6)  any work stoppage or delay due to Tenant's failure to use union
               contractors or labor as required by Landlord; or

          (7)  any other delay in Substantial Completion directly attributable
               to the negligent or willful acts or omissions of Tenant, its
               employees, agents or contractor(s).

     (c)  In the event that any delay caused by Tenant results in or contributes
          to a delay in Substantial Completion past the scheduled Commencement
          Date as provided in the Lease, then the Commencement Date shall be
          deemed to have occurred and Tenant's rental obligations shall commence
          as of the date Landlord would have otherwise achieved Substantial
          Completion but for Tenant's delay.

     (d)  As part of this contract Landlord will be responsible for the initial
          electrical base feed. All electrical permits and installations
          required as part of the systems furniture final installation are the
          responsibility of the Tenant and/or the system furniture installer.

     (e)  In conjunction with Landlord's review of the Plans and Specifications
          and preparation of the Construction Budget, Landlord shall advise
          Tenant of any special material, finish or fixture (other than Building
          Grade) requested by Tenant that will result in a delay in Landlord's
          construction schedule beyond the scheduled Commencement Date. In such
          event, Tenant shall either modify its specifications so as not to
          delay construction or be deemed to have accepted responsibility for
          any resulting delay.

                                        7

<PAGE>

                                   EXHIBIT "E"

                             5775 WATERFORD BUILDING

                         BUILDING RULES AND REGULATIONS

Landlord has adopted the following Building Rules and Regulations for the care,
protection and benefit of the Premises and the Building and for the general
comfort and welfare of all Tenants. These Rules and Regulations are subject to
amendment by the Landlord from time to time.

1.   Building Hours and Access:

     1.1  Normal Building Hours are from 8:00 a.m. to 5:45 p.m., Monday through
          Friday. On Saturday from 8:30 a.m. to 2:30 p.m.

     1.2  HVAC service at times other than for Normal Building Hours shall be
          furnished only upon written request of Tenant delivered to the
          Landlord by 4:00 p.m. the day such usage is requested. Tenant shall
          bear the entire cost of such additional service as such costs are
          determined by Landlord from time to time.

     1.3  Building entry at times other than for Normal Building Hours shall be
          limited to the entrance designated and provided by Landlord.

     1.4  Landlord reserves the right to designate the time when freight,
          furniture, goods, merchandise and other articles may be brought into,
          moved or taken from Premises or the Building. Tenants must make
          arrangements with the management office when the elevator is required
          for the purpose of carrying any kind of freight. All deliveries must
          be through the service entrance and must utilize the service elevator.

     1.5  Landlord reserves the right at all times to exclude loiterers,
          vendors, solicitors, and peddlers from the Building and to require
          registration of satisfactory identification or credentials from all
          persons seeking access to any part of the Building outside ordinary
          business hours. The Landlord will exercise its best judgment in the
          execution of such control but shall not be liable for the granting or
          refusal of such access.

2.   Building:

     2.1  The sidewalks, entry passages, corridors, halls, elevators, and
          stairways shall not be obstructed by the Tenant or used by it for
          other than those of ingress and egress.

     2.2  The floors, skylights and windows that reflect or admit light into any
          place in the Building shall not be covered or obstructed by the
          Tenant.

     2.3  Restroom facilities, water fountains, and other water apparatus shall
          not be used for any other purpose other than for which they were
          constructed, and no rubbish, or other obstructing substances shall be
          thrown therein, and the expense of any breakage, stoppage, or damage
          resulting from a violation of this provision shall be borne by
          Tenant, who shall, or whose officers, employees, agents, patrons,
          customers, licensees, visitors, or invitees, shall have caused it.

                                        1

<PAGE>

     2.4  Tenant shall not injure, or overload or deface the Building, the
          woodwork, or the walls of the Premises, nor carry on the Premises any
          noxious, noisy or offensive business, nor store in the Building or the
          Premises any flammable or odorous materials.

     2.5  Tenant, its officers, agents, employees, patrons, customers,
          licensees, invitees and visitors shall not solicit in the buildings,
          parking facilities or common areas, nor shall Tenant distribute any
          handling or other advertising matter in automobiles parked in the
          Building's parking facilities.

     2.6  Landlord will not be responsible for lost or stolen property,
          equipment, money, or any article taken from the Premises, Building or
          parking facilities, regardless of how and when loss occurs.

     2.7  Tenant agrees with Landlord not to make or allow to be made any
          alterations to the Premises, install any vending machines on the
          Premises, or place signs on the Premises which are visible from
          outside the Premises, without first obtaining the prior written
          consent of Landlord in each such instance, which consent may be given
          on such conditions as Landlord may elect.

     2.8  Tenant shall not post any signage and/or advertisements in common
          areas unless approved by Management.

     2.9  Pursuant to Florida's "CLEAN INDOOR AIR ACT", all areas in enclosed
          buildings are considered non-smoking areas unless designated
          otherwise. This includes rest rooms, elevators, hallways, and the
          lobby. The Landlord will appreciate your total cooperation in
          enforcing this policy with all tenant employees and guests.

3.   Doors and Windows:

     3.1  Tenant entrance doors will be kept closed at all times.

     3.2  The Tenant shall not put additional locks or latches upon any door
          without the written consent of the Landlord.

     3.3  Landlord will provide and install one sign at Landlord's cost at entry
          to the Premises. All such letters and numbers shall be in the standard
          graphics for the Building, and no other shall be used or permitted on
          the Premises without Landlord's prior written consent.

     3.4  All glass, locks and trimmings in or upon the doors and windows of the
          Building shall be kept whole and when any part thereof shall be broken
          the same shall be immediately replaced or repaired and put in good
          repair.

     3.5  Window blinds of a uniform Building Standard color and pattern only
          shall be used throughout the Building to give uniform color exposure
          through interior windows. These blinds shall remain in the lower
          position at all times to provide uniform exposure for the outside.

4.   Premises Use:

     4.1  The Tenant shall not install in the Premises any heavy weight
          equipment or fixtures or permit any concentration of excessive weight
          in any portion thereof without first having obtained Landlord's
          written consent.

                                        2

<PAGE>

     4.2  Tenant shall not (without Landlord's written consent) install or
          operate any computer, duplicating or other large business machine,
          equipment, or any other machinery upon the Premises or carry on any
          mechanical business thereon. Tenant shall not operate any device which
          may emanate electrical waves which will impair radio or television
          broadcasting or reception from or in the Building.

     4.3  No wires of any kind or type (including but not limited to television
          or radio antennas) shall be attached to the outside of the Building
          and no wires shall be run or installed in any part of the Building
          without the Landlord's prior written consent. Such wiring shall be
          done by the electrician of the Building only, and no outside
          electrician shall be allowed to do work of this kind unless by the
          written permission of Landlord or its representatives.

     4.4  If Tenant desires any signal, communication, alarm or other utility or
          service connection installed or changed, such work will be done at
          expense of Tenant, with the approval and under the direction of
          Landlord.

     4.5  No painting shall be done, nor shall any alterations be made, to any
          part of the Building by putting up or changing any partition, doors or
          windows, nor shall there be any nailing, boring, or screwing into the
          woodwork or plastering, nor shall any connection be made to the
          electric wires or electric fixtures without the consent in writing on
          each occasion of Landlord or its Agents.

     4.6  All contractors or technicians performing work for Tenant within
          Premises, Building or parking facilities shall be referred to Landlord
          for approval before performing such work. This shall apply to all work
          including, but not limited to, installation of telephones, telegraph
          equipment, electrical devices and attachments, and all installations
          affecting floors, walls, windows, doors, ceiling, equipment or any
          other physical feature of the Building, leased Premises or parking
          facilities. None of this work shall be done by Tenant without
          Landlord's prior written approval.

                                        3

<PAGE>

                    FIRST AMENDMENT TO OFFICE LEASE AGREEMENT

                                 5775 WATERFORD

     THIS FIRST AMENDMENT TO OFFICE LEASE AGREEMENT is made as of the 6th day of
September, 1995, between WRC PROPERTIES, INC., ("Landlord"), as lessor, and ORAL
HEALTH SERVICES OF FLORIDA, INC. ("Tenant"), as lessee.

                              PRELIMINARY STATEMENT

     A. Landlord and Tenant are parties to the Office Lease Agreement dated
April 6, 1995 (the "Lease"). Pursuant to the Lease, Tenant rents Suites 400 and
325, containing a total of approximately 15,969 rentable square feet
(collectively, herein called the "Existing Premises"), in the building known as
5775 Waterford, located at 5775 Blue Lagoon Drive, Miami, Florida (the
"Building").

     B. Landlord and Tenant desire to enter into this Amendment for the purpose
of expanding the size of the Premises to include Suites 320, 330 and 137 in the
Building.

                                      TERMS

     NOW, THEREFORE, for Ten Dollars ($10.00) and for other good and valuable
considerations, the receipt and sufficiency of which are hereby conclusively
acknowledged, Landlord and Tenant agree as follows:

     1. Recitals. The above recitals are true and correct and are agreed to by
Landlord and Tenant as if such recitals were fully set forth herein.

     2. Terms. All undefined capitalized terms herein shall have the same
meanings as defined in the Lease.

     3. Expansion Space. The Existing Premises is hereby expanded to include:
(i) Suite 320 in the Building, which contains approximately 2,079 square feet of
Net Rentable Area ("Suite 320"); (ii) Suite 330 in the Building, which contains
approximately 1,970 square feet of Net Rentable Area ("Suite 330"); and (iii)
Suite 137 in the Building, which contains approximately 292 square feet of Net
Rentable Area ("Suite 137", and together with Suite 320 and Suite 330, herein
called the "Expansion Space"). A floor plan of each of Suite 320, Suite 330 and
Suite 137 is set forth in Exhibit "A" attached hereto.

     4. Premises. From and after the Commencement Date for the Expansion Space
(as hereinafter defined), (i) the term "Premises", as defined in paragraph 1.2
of the Lease, shall mean the Existing Premises and the Expansion Space,
collectively, and (ii) the Premises shall be stipulated for all purposes to
contain approximately 20,310 square feet of Net Rentable Area.

<PAGE>

     5. Lease Term for Expansion Space. The lease term for the Expansion Space
shall commence on October 1,1995 (the "Commencement Date for the Expansion
Space") and shall end upon the expiration of the Lease term for the Existing
Premises.

     6. Base Rental. From and after the Commencement Date for the Expansion
Space, the first sentence of Paragraph 1.3 of the Lease shall be amended and
restated in its entirety to read as follows:

          1.3 "Base Rental" or "Base Rent" means the sum of $372,402.66 per
          annum (which is based upon a Base Rental rate of $18.37 per square
          foot of Net Rentable Area per annum for Suites 400, 325, 320 and 330
          and a Base Rental rate of $16.00 per square foot of Net Rentable Area
          per annum for Suite 137), as adjusted pursuant to Exhibit "C" of this
          Lease.

     7. Parking. From and after the Commencement Date for the Expansion Space,
Tenant's allocated share of parking spaces as provided in Paragraph 12.1 of the
Lease shall be sixty-one (61) parking spaces in the parking structure or surface
lot of the Building, which allocation is based upon an increase of six (6)
parking spaces for Suite 320, six (6) parking spaces for Suite 330 and one (1)
parking space for Suite 137.

     8. Proportionate Share. From and after the Commencement Date for the
Expansion Space, the last sentence of Paragraph 24.1(d) of the Lease shall be
amended and restated in its entirety to read as follows:

          24.1(d) For the purpose of this Lease, Tenant's proportionate share
               for the Premises is 34.6972%, which shall consist of 27.2811% for
               the Existing Premises, 3.5517% for Suite 320, 3.3656% for Suite
               330, and 4988% for Suite 137.

     9. Construction of Expansion Space. Subject to the terms contained in
paragraph 10 of this Amendment, Landlord shall construct improvements to the
Expansion Space in accordance with the terms set forth in Exhibit "D" of the
Lease ("Landlord's Work") and shall pay any architectural and engineering fees
associated therewith. The cost to Landlord of such work and fees shall in no
event exceed the Tenant Improvement Allowance (as hereinafter defined).

     10. Tenant Improvement Allowance. Landlord shall provide to Tenant a tenant
improvement allowance in an amount not to exceed the sum of $39,069.00 ("Tenant
Improvement Allowance"), which shall consist of an allowance of $18,711.00 for
the build-out of Suite 320, an allowance of $17,730.00 for the build-out of
Suite 330 and an allowance of 2,628.00 for the build-out of Suite 137. Landlord
shall use this Tenant Improvement Allowance to offset costs incurred for
Landlord's Work and any architectural or engineering fees relating thereto. In
the event the cost of Landlord's Work and related fees exceeds the Tenant
Improvement Allowance, Tenant shall pay such excess upon demand of Landlord. Any
unused portion of the Tenant Improvement Allowance shall be held by Landlord as
a credit for future improvements that Tenant may elect to make in the Premises.

     11. Security Deposit. From and after the Commencement Date for the
Expansion Space, Paragraph 1.7 of the Lease shall be amended and restated in its
entirety to read as follows:

                                       -2-

<PAGE>

          1.7 "Security Deposit" means the sum of Twenty Eight Thousand Two
          Hundred Seventy Nine and 41/100 Dollars ($28,279.41), the full amount
          of which shall be deposited with Landlord at the time of execution of
          this First Amendment to Office Lease Agreement.

     12. Insurance. On or before the Commencement Date for the Expansion Space,
Tenant shall furnish to Landlord evidence of insurance on the Expansion Space as
is required to be maintained pursuant to Paragraphs 17 and 18 of the Lease.

     13. Ratification of Lease. Unless expressly modified herein, all terms and
conditions of the Lease are hereby ratified and reaffirmed in their entirety.

     IN WITNESS WHEREOF, the parties have executed this First Amendment to
Office Lease Agreement as of the day and year first written above.

Signed, sealed and delivered            Tenant:
in the presence of:                     ORAL HEALTH SERVICES OF FLORIDA, INC.

/s/ CLAUDIA BLOOMSTON                   By: /s/ Henry Tie Shue
-------------------------------------       ------------------------------------
Print Name: CLAUDIA BLOOMSTON           Name: Henry Tie Shue
                                        Title: CEO

/s/ BARRY KORNREICH
-------------------------------------
Print Name: BARRY KORNREICH

                                        Landlord:

                                        WRC PROPERTIES, INC.

/s/ Daniel Donoghue                     By: /s/ ALAN E. LANG
-------------------------------------       ------------------------------------
Print Name:  Daniel Donoghue                ALAN E. LANG
            -------------------------       Assistant Secretary
                                        Date: 9/6/95

/s/ Carmen Loumark
-------------------------------------
Print Name: Carmen Loumark

                                       -3-

<PAGE>

                                   EXHIBIT "A"

                           TO FIRST AMENDMENT TO LEASE
                                     BETWEEN
                       WRC PROPERTIES, INC., AS LANDLORD,
                                       AND
                ORAL HEALTH SERVICES OF FLORIDA, INC., AS TENANT

                      Floor Plan of Suite 320, 330 and 137

                                  (FLOOR PLAN)

                                  (FLOOR PLAN)

<PAGE>

            SECOND AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES

                                 5775 WATERFORD

     THIS SECOND AMENDMENT TO LEASE AGREEMENT ("Second Amendment") is made as of
the 11th day of February, 1997, between WRC PROPERTIES, INC. ("Landlord"), as
lessor, and ORAL HEALTH SERVICES, INC. ("Tenant"), as lessee.

                              PRELIMINARY STATEMENT

     A. Landlord and Tenant, formerly known as Oral Health Services of Florida,
Inc., entered into to that certain Lease Agreement for Office Facilities dated
April 6, 1995 ("Lease"), pursuant to which Tenant leased the Premises known as
Suites 400 and 325, containing approximately 15,969 square feet of Net Rentable
Area ("Original Premises"), in the building known as 5775 Waterford, located at
5775 Blue Lagoon Drive, Miami, Florida (the "Building").

     B. Landlord and Tenant entered into that certain First Amendment to Office
Lease Agreement dated as of September 6, 1995 ("First Amendment") for the
purpose of expanding the Original Premises to include Suites 320, 330 and 137 in
the Building, which contain approximately 4,341 square feet of Net Rentable Area
(and which collectively with the Original Premises shall hereinafter be referred
to as the "Existing Premises").

     C. Landlord and Tenant desire to enter into this Second Amendment for the
purpose of expanding the size of the Existing Premises by an additional 1,056
square feet of Net Rentable Area located on the third floor of the Building.

                                      TERMS

     NOW, THEREFORE, for Ten Dollars ($10.00) and for other good and valuable
considerations, the receipt and sufficiency of which are hereby conclusively
acknowledged, Landlord and Tenant agree as follows:

     1. Recitals. The above recitals are true and correct and are agreed to by
Landlord and Tenant as if such recitals were fully set forth herein.

     2. Terms. All undefined capitalized terms herein shall have the same
meanings as defined in the Lease.

     3. Expansion Space. The Existing Premises are hereby expanded to include
Suite 310 of the Building, which contains approximately 1,056 square feet of Net
Rentable Area (the "Expansion Space") pursuant to the terms and conditions set
forth in this Second Amendment.

<PAGE>

     4. Premises. From and after the Commencement Date for the Expansion Space
(as hereinafter defined), the term "Premises" as defined in paragraph 1.2 of the
Lease shall mean the Existing Premises and Expansion Space, collectively, and
shall be stipulated for all purposes to contain approximately 21,366 square feet
of Net Rentable Area. A floor plan of the Expansion Space is attached hereto as
Exhibit "A".

     5. Lease Term for the Expansion Space. The lease term for the Expansion
Space, and Tenant's obligation to pay rent therefore, shall commence on February
15, 1997, subject to adjustment in accordance with Paragraph 3.4 and Exhibit "D"
of the Lease (the "Commencement Date for the Expansion Space") and shall end
upon the expiration date of the Lease for the Existing Premises. The parties
agree, at Landlord's request, to execute a written memorandum confirming the
Commencement Date for the Expansion Space.

     6. Base Rental. The Base Rent (per square foot of Net Rentable Area) for
the Expansion Space shall be the same as the Base Rent (per square foot of Net
Rentable Area) for the Existing Premises.

     7. Security Deposit. From and after the Commencement Date for the Expansion
Space, Paragraph 1.7 of the Lease shall be amended and restated in its entirety
to read as follows:

          1.7. "Security Deposit" means the sum of Thirty-One Thousand Seven
          Hundred Seventy Seven and 04/100 Dollars ($31,777.04), the full amount
          of which shall be deposited with Landlord at the time of execution of
          this Second Amendment.

     8. Construction of Expansion Space. Landlord shall build out the Expansion
Space in accordance with Plans and Specifications to be prepared and approved in
accordance with the terms set forth in Exhibit "D" of the Lease. Paragraph 2(a)
of Exhibit "D" of the Lease is hereby amended to provide that Tenant shall
receive a Tenant Improvement Allowance as a credit against the cost of Tenant
Improvements for the Expansion Space in an amount not to exceed Eight Dollars
($8.00) per usable square foot of the Expansion Space, which amount shall equal
Seven Thousand Six Hundred Eighty Dollars ($7680.00). Tenant shall pay all costs
for design and construction of the Expansion Space which exceed said allowance.
Tenant shall not receive any cash or credit against rent for any unused portion
of said allowance.

     9. Insurance. On or before the Commencement Date for the Expansion Space,
Tenant shall furnish to Landlord evidence of insurance on the Expansion Space as
is required to be maintained pursuant to Paragraphs 17 and 18 of the Lease.

     10. Proportionate Share. From and after the Commencement Date for the
Expansion Space, the last sentence of Paragraph 24.1(d) of the Lease shall be
amended and restated in its entirety to read as follows:

                                       -2-

<PAGE>

               24.1(d) For the purpose of this Lease, Tenant's proportionate
          share is 36.5012%.

     11. Parking. The second sentence of Paragraph 12.1 of the Lease is hereby
amended in its entirety to provide as follows:

          "Tenant's allocated share of parking shall be Sixty-four (64) spaces."

     12. Brokers. Tenant hereby warrants that it has had no dealings with any
real estate broker or agent in connection with the negotiation of this Second
Amendment other than The Hogan Group, Inc., who will be compensated by Landlord
in accordance with a separate agreement. Tenant agrees to indemnify Landlord
from any claims for commission or expenses relating to any claim by any other
real estate broker or agent in connection with this Second Amendment or
otherwise relating to the Lease.

     13. Effect of Delivery. Landlord has delivered a copy of this Second
Amendment to Tenant for Tenant's review only and the delivery hereof does not
constitute an offer to Tenant or an option to lease. This Second Amendment shall
not be effective until a copy executed by both Landlord and Tenant is returned
to Tenant.

     14. Ratification of Lease. Unless expressly modified herein, all terms and
conditions of the Lease are hereby ratified and reaffirmed in their entirety.

     15. Ratification of Letter Agreement. Landlord hereby ratifies and
reaffirms the terms and conditions of that certain Letter Agreement dated August
19, 1996, between WRC Properties, Inc., and Oral Health Services, Inc. ("OHS")
regarding OHS's Recapitalization (as defined therein) and Landlord's approval of
and consent to any resulting assignment of the Lease.

     16. Lease in Full Force and Effect. Tenant represents, warrants and
acknowledges that the Lease is unmodified, other than pursuant to the terms of
this Second Amendment, and is in full force and effect as modified herein; that
all rent has been paid through the date hereof; that Landlord is not in default
in the performance of any covenant, agreement or condition contained in the
Lease, as modified; and that Tenant has no defense to the payment of any amounts
due under the Lease, as modified.

                                       -3-

<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Second Amendment to
Lease Agreement as of the day and year first written above.

Signed, sealed and delivered            Tenant:
in the presence of:                     ORAL HEALTH SERVICES, INC.

/s/ CLAUDIA BLOOMSTON                   By: /s/ Henry C. Tie Shue
-------------------------------------       ------------------------------------
Print Name: CLAUDIA BLOOMSTON           Name: Henry C. Tie Shue
                                        Title: CEO

/s/ illegible
-------------------------------------
Print Name:
            -------------------------

                                        Landlord:

                                        WRC PROPERTIES, INC., A DELAWARE
                                        CORPORATION

/s/ Daniel Donoghue                     By: /s/ ALAN E. LANG
-------------------------------------       ------------------------------------
Print Name: DANIEL DONOGHUE                 ALAN E. LANG
            -------------------------       Assistant Secretary

/s/ N.S. TUCKER
-------------------------------------
Print Name: N.S. TUCKER

                                       -4-

<PAGE>

                                   EXHIBIT "A"
                          TO SECOND AMENDMENT TO LEASE
                                     BETWEEN
                       WRC PROPERTIES, INC., AS LANDLORD,
                                       AND
                      ORAL HEALTH SERVICES, INC., AS TENANT

                         [Floor Plan of Expansion Space]

                                       -5-

<PAGE>

                                 (Exhibit H-1)

                                  (FLOOR PLAN)

<PAGE>

            THIRD AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES

                                 5775 WATERFORD

     THIS THIRD AMENDMENT TO LEASE AGREEMENT ("Third Amendment") is made as of
the llth day of June, 1997, between WRC PROPERTIES, INC. ("Landlord"), as
lessor, and ORAL HEALTH SERVICES, INC., a Florida corporation ("Tenant"), as
lessee.

                             PRELIMINARY STATEMENTS

     A. Landlord and Tenant, formerly known as Oral Health Services of Florida,
Inc., entered into to that certain Lease Agreement for Office Facilities dated
April 6, 1995 ("Lease"), pursuant to which Tenant leases the Premises known as
Suites 400 and 325, containing approximately 15,969 square feet of Net Rental
Area ("Original Premises"), in the building known as 5775 Waterford, located at
5775 Blue Lagoon Drive, Miami, Florida (the "Building").

     B. Landlord and Tenant entered into that certain First Amendment to Office
Lease Agreement dated as of September 6, 1995 ("First Amendment") for the
purpose of expanding the Original Premises to include Suites 320, 330 and 137 in
the Building which contain approximately 4,341 square feet of Net Rentable Area
(and which collectively with the Original Premises shall hereinafter be
referred to as the "Existing Premises").

     C. Landlord and Tenant entered into that certain Second Amendment to Lease
Agreement for Office Facilities dated February 11, 1997, for the purpose of
expanding the size of the Existing Premises to include Suite 310, which contains
approximately 1,056 square feet of Net Rentable Area located on the third floor
of the Building (hereinafter "Existing Premises" shall be defined to include and
incorporate Suite 310).

     D. Landlord and Tenant desire to enter into this Third Amendment for the
purpose of expanding the size of the Existing Premises by an additional 1,155
square feet of Net Rentable Area known as Suite 340 in the Building.

                                      TERMS

     NOW, THEREFORE, for Ten Dollars ($10.00) and for other good and valuable
considerations, the receipt and sufficiency of which are hereby conclusively
acknowledged, Landlord and Tenant agree as follows:

     1. Recitals. The above recitals are true and correct and are agreed to by
Landlord and Tenant as if such recitals were fully set forth herein.

     2. Terms. All undefined capitalized terms herein shall have the same
meanings as defined in the Lease.

                                        1

<PAGE>

     3. Expansion Space. The Existing Premises are hereby expanded to include
Suite 340 in the Building, which contains approximately 1,155 square feet of Net
Rentable Area (the "Expansion Space"), pursuant to the terms and conditions set
forth in this Third Amendment.

     4. Premises. From and after the Commencement Date for the Expansion Space
(as hereinafter defined), the term "Premises" as defined in Paragraph 1.2 of the
Lease shall mean the Existing Premises and the Expansion Space, collectively,
and shall be stipulated for all purposes to contain approximately 22,521 square
feet of Net Rentable Area. A floor plan of the Expansion Space is attached
hereto as Exhibit "A".

     5. Lease Term for the Expansion Space. The lease term for the Expansion
Space, and Tenant's obligation to pay rent therefore, shall commence on June 1,
1997 subject to adjustment in accordance with Paragraph 3.4 and Exhibit "D" of
the Lease (the "Commencement Date for the Expansion Space"), and shall end upon
the expiration date of the Lease for the Existing Premises. The parties agree at
the Landlord's request to execute a written memorandum confirming the
Commencement Date for the Expansion Space.

     6. Base Rental. The Base Rent per square foot of Net Rentable Area for the
Expansion Space shall be $18.66 per square foot of Net Rentable Area, as
adjusted pursuant to Exhibit "C" of the Lease.

     7. Security Deposit. From and after the Commencement Date for the Expansion
Space, Paragraph 1.7 of the Lease shall be amended and reinstated in its
entirety to reads follows:

          *1.7 "Security Deposit" means the sum of Thirty Five Thousand Six
     Hundred Two and 57/100 Dollars ($35,602.57), the full amount of which shall
     be deposited with Landlord at the time of execution of this Third
     Amendment.

     8. Construction of Expansion Space. Landlord shall build out the Expansion
Space in accordance with Plans and Specifications to be prepared and approved in
accordance with the terms set forth in Exhibit "D" of the Lease. Paragraph 2(a)
of Exhibit "D" of the Lease is hereby amended to provide that Tenant shall
receive a Tenant Improvement Allowance as a credit against the cost of Tenant
Improvement for the Expansion Space in an amount not to exceed Six Dollars and
50/100 ($6.50) per usable square foot of the Expansion Space, which amount shall
equal Six Thousand Eight Hundred Twenty-Five Dollars ($6,825.00). Tenant shall
pay all costs for design and construction of the Expansion Space which exceeds
said allowance. Tenant shall not receive any cash or credit against rent for any
unused portion of said allowance.

     9. Insurance. On or before the Commencement Date for the Expansion Space,
Tenant shall furnish to Landlord evidence of insurance on the Expansion Space as
is required to be maintained pursuant to Paragraphs 17 and 18 of the Lease.

     10. Proportionate Share. From and after the Commencement Date for the
Expansion Space, the last sentence of Paragraph 24.1(d) of the Lease shall be
amended and restated to read as follows:

                                        2

<PAGE>

          24.1(d) For the purpose of this Lease, Tenant's proportionate share is
     38.4744%.

     11. Parking. From and after the Commencement Date for the Expansion Space,
the second sentence of paragraph 12.1 of the Lease is hereby amended to provide
as follows:

          "Tenant's allocated share of parking shall be Sixty-seven(67) spaces".

     12. Brokers. Tenant hereby warrants that it has had no dealings with any
real estate broker or agent in connection with the negotiation of this Third
Amendment other than The Hogan Group. Inc., who will be compensated by Landlord
in accordance with a separate agreement. Tenant agrees to indemnify Landlord
from any claims for commission or expenses relating to any claim by other real
estate broker or agent in connection with this Third Amendment or otherwise
relating to the Lease.

     13. Effect of Delivery. Landlord has delivered a copy of this Third
Amendment to Tenant for Tenant's review only and the delivery hereof does not
constitute an offer to Tenant or an option to lease. This Third Amendment shall
not be effective until a copy executed by both Landlord and Tenant is returned
to Tenant.

     14. Ratification of Lease. Unless expressly modified herein, all terms and
conditions of the Lease are hereby ratified and reaffirmed in their entirety.

     15. Ratification of Letter of Agreement. Landlord hereby ratifies the terms
and conditions of that certain Letter of Agreement dated August 19, 1996,
between WRC Properties, Inc. and Oral Health Services, Inc. ("OHS") regarding
OHS' Recapitalization (as defined therein) and Landlord's approval of and
consent to any resulting assignment of the Lease.

     16. Lease in Full Force and Effect. Tenant represents, warrants and
acknowledges that the Lease is unmodified, other that pursuant to the terms of
this Third Amendment, and is in full force and effect as modified herein; that
all rent has been paid through the date hereof, that the Landlord is not in
default in the performance of any covenant, agreement or condition contained in
the Lease, as modified; and that Tenant has no defense to the payment of any
amounts due under the Lease, as modified.

                                        3

<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Third Amendment to Lease
Agreement as of the day and year first written above.

Signed, sealed and delivered            Tenant:
in the presence of:
                                        ORAL HEALTH SERVICES, INC., A
                                        FLORIDA CORPORATION

/s/ Marla I. Berman                     By: /s/ Stanley I. Shapiro
-------------------------------------       ------------------------------------
Print Name: Marla I Berman              Name: Stanley I. Shapiro
                                        Title: President / CDO

/s/ MARIA J. PEREZ
-------------------------------------
Print Name: MARIA J. PEREZ

                                        Landlord:

                                        WRC PROPERTIES, INC., A DELAWARE
                                        CORPORATION

/s/ Daniel Donoghue                     By: /s/ Alan E. Lang
-------------------------------------       ------------------------------------
Print Name: Daniel Donoghue                 Alan E. Lang
            -------------------------       Assistant Secretary

/s/ Elisa C. Rivera
-------------------------------------
Print Name: Elisa C. Rivera
            -------------------------

                                        4

<PAGE>

                                   EXHIBIT "A"
                           TO THIRD AMENDMENT TO LEASE
                                     BETWEEN
                       WRC PROPERTIES, INC., AS LANDLORD,
                                       AND
                      ORAL HEALTH SERVICES, INC., AS TENANT

                         [Floor Plan of Expansion Space]

                            Suite 340, 5775 Waterford

                                  (FLOOR PLAN)

<PAGE>

            FOURTH AMENDMENT TO LEASE AGREEMENT FOR OFFICE FACILITIES

                                 5775 WATERFORD

     THIS FOURTH AMENDMENT TO LEASE AGREEMENT ("Fourth Amendment") is made as
of the 5th day of November, 1997, between WRC PROPERTIES, INC. ("Landlord"), as
lessor, and ORAL HEALTH SERVICES, INC., a Florida corporation ("Tenant"), as
lessee.

                             PRELIMINARY STATEMENTS

     A. Landlord and Tenant, formerly known as Oral Health Services of Florida,
Inc., entered into that certain Lease Agreement for Office Facilities dated
April 6, 1995 (the "Lease"), pursuant to which Tenant leased the Premises known
as Suites 400 and 325, containing approximately 15,969 square feet of Net
Rentable Area, in the building known as 5775 Waterford, located at 5775 Blue
Lagoon Drive, Miami, Florida (the "Building").

     B. Landlord and Tenant entered into that certain First Amendment to Office
Lease Agreement dated as of September 6, 1995 ("First Amendment") for the
purpose of expanding the Premises to include Suite 320 containing approximately
2,079 square feet of Net Rentable Area, Suite 330 containing approximately 1,970
square feet of Net Rentable Area, and Suite 137 containing approximately 292
square feet of Net Rentable Area in the Building.

     C. Landlord and Tenant entered into that certain Second Amendment to Lease
Agreement for Office Facilities dated February 11, 1997, for the purpose of
expanding the size of the Premises by an additional 1,056 square feet of Net
Rentable Area, located on the third floor of the Building.

     D. Landlord and Tenant entered into that certain Third Amendment to Lease
Agreement for Office Facilities dated June 11, 1997, for the purpose of further
expanding the size of the Premises by an additional 1,155 square feet of Net
Rentable Area located on the third floor of the Building.

     E. Landlord and Tenant desire to enter into this Fourth Amendment for the
purpose of expanding the Premises to include Suite 200 in the Building,
containing approximately 7,394 square feet of Net Rentable Area.

                                      TERMS

     NOW, THEREFORE, for Ten Dollars ($10.00) and for other good and valuable
considerations, the receipt and sufficiency of which are hereby conclusively
acknowledged, Landlord and Tenant agree as follows:

<PAGE>

     1. Recitals. The above recitals are true and correct and are agreed to by
Landlord and Tenant as if such recitals were fully set forth herein.

     2. Terms. All undefined capitalized terms herein shall have the same
meanings as defined in the Lease.

     3. Expansion Space. The Premises are hereby expanded to include Suite 200
of the Building containing approximately 7,394 square feet of Net Rentable Area
(the "Expansion Space"), pursuant to the terms and conditions set forth in this
Fourth Amendment. A floor plan of the Expansion Space is attached hereto as
Exhibit "A".

     4. Premises. From and after the Commencement Date for the Expansion Space
(as hereinafter defined), the term "Premises" as defined in Paragraph 1.2 of the
Lease shall include the Expansion Space, and shall be stipulated for all
purposes to contain approximately 29,915 square feet of Net Rentable Area.

     5. Lease Term for the Expansion Space. The lease term for the Expansion
Space, and Tenant's obligation to pay rent therefor, shall commence on October
15, 1997 (the "Commencement Date for the Expansion Space"), and shall end upon
the expiration date of the Lease, which is April 14, 2001.

     6. Base Rental. The Base Rent per square foot of Net Rentable Area for the
Expansion Space shall be the same as that paid for Suite 400 of the Existing
Premises, which is currently $19.36 per square foot of Net Rentable Area, as
adjusted pursuant to Exhibit "C" of the Lease.

     7. Security Deposit. Simultaneously with the execution by Tenant of this
Fourth Amendment, Tenant shall furnish its check increasing the Security Deposit
held by Landlord by an additional sum of Eleven Thousand Four Hundred
Ninety-Four and 76/100 Dollars ($11,494.76). From and after the Commencement
Date for the Expansion Space, Paragraph 1.7 of the Lease shall be amended as
follows:

          "Security Deposit" means the sum of FORTY SEVEN THOUSAND NINETY SEVEN
          AND 33/100 DOLLARS ($47,097.33).

     8. Construction of Expansion Space. Landlord shall build out the Expansion
Space in accordance with Plans and Specifications to be prepared and approved in
accordance with the terms set forth in Exhibit "D" of the Lease. Paragraph 2(a)
of Exhibit "D" of the Lease is hereby amended to provide that Tenant shall
receive a Tenant Improvement Allowance as a credit against the cost of Tenant
Improvements for the Expansion Space in an amount not to exceed Eight and 50/100
Dollars ($8.50) per usable square foot of the Expansion Space, which amount
shall equal Fifty seven thousand one Hundred thirty-seven ($57,137.00). Tenant
shall pay all costs for design and construction of the Expansion Space which
exceed said allowance. Tenant shall not receive any cash or credit against rent
for any unused portion of said allowance.

                                       -2-

<PAGE>

     9. Insurance. On or before the Commencement Date for the Expansion Space,
Tenant shall furnish to Landlord evidence of insurance on the Expansion Space as
is required to be maintained pursuant to Paragraphs 17 and 18 of the Lease.

     10. Proportionate Share. (a) From and after the Commencement Date for the
Expansion Space, the last sentence of Paragraph 24.1(d) of the Lease shall be
amended to read as follows:

               24.1(d) For the purpose of this Lease, Tenant's proportionate
          share is 51.1062%.

     11. Parking. From and after the Commencement Date for the Expansion Space,
the second sentence of Paragraph 12.1 of the Lease is hereby amended to provide
as follows:

          "Tenant's allocated share of parking shall be one hundred six (106)
          spaces."

     12. Brokers. Tenant hereby warrants that it has had no dealings with any
real estate broker or agent in connection with the negotiation of this Fourth
Amendment other than The Hogan Group, Inc., who will be compensated by Landlord
in accordance with a separate agreement. Tenant agrees to indemnify Landlord
from any claims for commission or expenses relating to any claim by any other
real estate broker or agent in connection with this Fourth Amendment or
otherwise relating to the Lease.

     13. Effect of Delivery. Landlord has delivered a copy of this Fourth
Amendment to Tenant for Tenant's review only and the delivery hereof does not
constitute an offer to Tenant or an option to lease. This Fourth Amendment shall
not be effective until a copy executed by both Landlord and Tenant is returned
to Tenant.

     14. Ratification of Lease. Unless expressly modified herein, all terms and
conditions of the Lease are hereby ratified and reaffirmed in their entirety.

     15. Lease in Full Force and Effect. Tenant represents, warrants and
acknowledges that the Lease is unmodified, other than pursuant to the terms of
this Fourth Amendment, and is in full force and effect as modified herein; that
all rent has been paid through the date hereof; that Landlord is not in default
in the performance of any covenant, agreement or condition contained in the
Lease, as modified; and that Tenant has no defense to the payment of any amounts
due under the Lease, as modified.

     IN WITNESS WHEREOF, the parties have executed this Fourth Amendment to
Lease Agreement as of the day and year first written above.

                                       -3-

<PAGE>

Signed, sealed and delivered            Tenant:
in the presence of:
                                        ORAL HEALTH SERVICES, INC., A
                                        FLORIDA CORPORATION

/s/ Marla I Berman                      By: /s/ Henry C. Tie Shue
-------------------------------------       ------------------------------------
Print Name: Marla I Berman              Name: Henry C. Tie Shue
                                        Title: Chairman of the Board

/s/ MARIA J. PEREZ
-------------------------------------
Print Name: MARIA J. PEREZ

                                        Landlord:

                                        WRC PROPERTIES, INC., A DELAWARE
                                        CORPORATION

/s/ FRANCES L. CAIRO                     By: /s/ ALAN E. LANG
-------------------------------------       ------------------------------------
Print Name: FRANCES L. CAIRO                ALAN E. LANG
                                            Assistant Secretary

/s/ Carmen Loumark
-------------------------------------
Print Name: Carmen Loumark

                                       -4-

<PAGE>

                                   EXHIBIT "A"
                          TO FOURTH AMENDMENT TO LEASE
                                     BETWEEN
                       WRC PROPERTIES, INC., AS LANDLORD,
                                       AND
                      ORAL HEALTH SERVICES, INC., AS TENANT

                         [Floor Plan of Expansion Space]

                                  (FLOOR PLAN)<PAGE>

                                                                   Exhibit 10.47

                              CONSENT TO ASSIGNMENT

     This Consent to Assignment ("Consent") is made this 11TH day of July, 2000
by WRC PROPERTIES, INC., a Delaware corporation ("Landlord"), ORAL HEALTH
SERVICES, INC. ("Assignor"), OHS, INC. (which, together with Assignor, is
referred to as "Assignor Parties"), and AMERICAN PREPAID PROFESSIONAL SERVICES,
INC., a Florida corporation and COMPDENT CORPORATION, a Delaware corporation
(jointly and severally "Assignee").

     A. Landlord and Assignor, formerly known as Oral Health Services of
Florida, Inc., entered into that certain Lease Agreement for Office Facilities
dated April 6, 1995 (the "Original Lease"), pursuant to which Assignor leased
the Premises known as Suites 400 and 325, containing approximately 15,969 square
feet of Net Rentable Area (the "Original Premises"), in the building known as
5775 Waterford, located at 5775 Blue Lagoon Drive, Miami, Florida (the
"Building").

     B. Landlord and Assignor entered into that certain First Amendment to
Office Lease Agreement dated as of September 6, 1995 (the "First Amendment") for
the purpose of expanding the Original Premises to include Suite 320 containing
approximately 2,079 square feet of Net Rentable Area, Suite 330 containing
approximately 1,970 square feet of Net Rentable Area, and Suite 137, containing
approximately 292 square feet of Net Rentable Area (together the "First
Amendment Expansion Space"), located in the Building, and for the other purposes
stated therein.

     C. Landlord and Assignor entered into that certain Second Amendment to
Lease Agreement for Office Facilities dated February 11, 1997 (the "Second
Amendment") for the purpose of further expanding the Premises demised under the
Original Lease and the First Amendment to include an additional 1,056 square
feet of Net Rentable Area located on the third floor of the Building (the
"Second Amendment Expansion Space"), and for the other purposes stated therein.

     D. Landlord and Assignor entered into that certain Third Amendment to Lease
Agreement for Office Facilities dated June 11, 1997 (the "Third Amendment") for
the purpose of further expanding the Premises demised under the Original Lease,
the First Amendment and the Second Amendment to include an additional 1,155
square feet of Net Rentable Area located on the third floor of the Building (the
"Third Amendment Expansion Space"), and for the other purposes stated therein.

     E. Landlord and Assignor entered into that certain Fourth Amendment to
Lease Agreement for Office Facilities dated November 5, 1997 (the "Fourth
Amendment") for the purpose of further expanding the size of the Premises
demised under the Original Lease, the First Amendment, the Second Amendment and
the Third Amendment to include Suite 200 in the Building, containing
approximately 7,394 square feet of Net Rentable Area (the "Fourth Amendment
Expansion Space").

<PAGE>

     F. The Original Lease, the First Amendment, the Second Amendment, the Third
Amendment, and the Fourth Amendment are referred to herein as the "Lease". The
Original Premises, the First Amendment Expansion Space, the Second Amendment
Expansion Space, the Third Amendment Expansion Space and the Fourth Amendment
Expansion Space are referred to herein as the "Premises".

     G. Assignor has entered into a Stock Purchase Agreement dated as of April
11, 2000 (the "Purchase Agreement") with Assignees under which Assignor and its
parent, OHS, Inc. (heretofore defined as "Assignor Parties") would become
subsidiaries of Assignees. This transaction is referred to herein as the
"Assignment".

     H. Paragraph 15.1 of the Original Lease provides that the conveyance of the
corporate stock of Assignor is an assignment for purposes of the Lease, and the
Lease therefore conditions the effectiveness of such assignment upon Landlord's
tender of its prior written consent in each instance.

     NOW, THEREFORE, in consideration of the covenants and conditions of this
Consent, the sufficiency of which is hereby conclusively acknowledged, Landlord,
Assignor and Assignee agree as follows:

     1. Consent. Landlord does hereby consent to the Assignment without waiver
of any restriction in the Lease concerning further assignment or subletting;
provided that:

          (i) The Assignor Parties shall be and shall remain primarily liable on
the Lease for the entire Lease term and is in no way released from the full and
complete performance of all the terms, conditions, covenants and agreements
contained therein and, if the Lease is renewed so that its expiration date is
extended beyond its present term, or otherwise amended, Assignor shall remain
liable to Landlord for any default by Assignee under the Lease, even if Assignor
has not consented to the extension, renewal, or amendment.

          (ii) Landlord is not bound by any of the terms, covenants and
provisions of the Assignment, and, except for approval of the entering into of
the Assignment itself and of the recognition of Assignee as assignee thereunder,
does not hereby consent to or approve any matters which are contemplated by the
Assignment and which are subject to Landlord's further consent or approval under
the provisions of the Lease.

          (iii) In the event of any inconsistencies between the Lease and the
Assignment, the provisions of the Lease shall be controlling.

          (iv) Prior to any occupancy of the Premises by Assignee, Assignee
shall provide notice to Landlord, together with a certificate of insurance
adding Landlord as an additional insured to Assignee's general liability and
excess liability insurance policies, disclosing a minimum limit of liability of
$1 million in Assignee's primary liability policy and $5 million in Assignee's
excess liability policy.

                                        2

<PAGE>

          (v) Assignee, by its signature hereto, agrees to and does hereby
unconditionally assume the obligations of the Lease as of July 11, 2000 (the
"Effective Date"), including without limitation the obligation to pay all sums
due to Landlord thereunder, and Assignee agrees to be bound by all of the
covenants, agreements, terms provisions and conditions applicable to Assignor
Parties under the Lease.

          (vi) In accordance with Paragraph 15.8 of the Original Lease, Assignor
Parties shall reimburse Landlord within thirty (30) days of Landlord's tender of
an invoice, for Landlord's costs, including attorney's fees, in investigating
and considering the assignment and in preparing this Consent.

     2. Representations and Warranties. Assignor Parties and Assignee represent
and warrant to Landlord as follows:

          (i) The Lease is in full force and effect and has not been modified.

          (ii) Assignor Parties have paid through the end of the month in which
the Effective Date occurs all sums due and payable and Fixed Annual Rent and
Additional Rent under the Lease.

          (iii) No default exists by Landlord in any of its obligations under
the Lease nor has any event occurred which, with the giving of notice and
passage of time will constitute a default by Landlord under the Lease.

          (iv) Assignor Parties are the Tenant under the Lease and has the full
right and authority to assign the Lease to Assignee, subject only to obtaining
Landlord's consent.

          (v) Assignee accepts Assignor's Assignment of the Lease
unconditionally and without any claims, offsets or defenses under the Lease.

     3. Indemnification of Landlord. Assignor Parties and Assignee, jointly and
severally, indemnify and hold harmless Landlord from and against any and all
claims, actions, proceedings, costs, damages and expenses (including but not
limited to reasonable attorney's fees and disbursements, court costs, the costs
and expenses of such attorneys' professional staff, incurred or arising from the
Assignment or this Consent.

     4. Brokers. Assignor Parties and Assignee hereby indemnify and hold
Landlord harmless from the claims of any brokers in connection with this
Consent.

     5. Notices. All notices, demands or other writings provided to be given,
made or sent by any party hereto under this Consent or under the Lease shall be
deemed to have been fully given, if made in writing and delivered in person or
by public courier or deposited in the United States mail certified or
registered, return receipt requested and postage prepaid and addressed to the
parties at the following addresses, or with respect to Assignee, at the
Premises. The address to which any notice, demand or other writing may be given,
made or sent to either party may be changed by written notice given by such
party as above provided.

                                        3

<PAGE>

          All notices to be sent to Assignee shall be directed to:

          If to American Prepaid Professional Services, Inc.
          120 Mansell Court East, Suite 400
          Roswell, Georgia 30076
          Attention: President

          If to Compdent Corporation
          120 Mansell Court East, Suite 400
          Roswell, Georgia 30076
          Attention: President

          All notices to be sent to Assignor Parties shall be directed to:

          If to Oral Health Services, Inc.
          5775 Blue Lagoon Drive, Suite 400
          Miami, FL 33126
          Attention: Stanley Shapiro

          If to OHS, Inc.
          5775 Blue Lagoon Drive, Suite 400
          Miami, FL 33126
          Attention: Stanley Shapiro

          All notices to be sent to Landlord shall be directed to:

          The Hogan Group
          701 Waterford Way (NW 62nd Avenue) Suite 400
          Miami, Florida 33126

          WRC PROPERTIES, INC.
          730 Third Avenue
          New York, N.Y. 10017-3206
          Attention: Frances L. Cairo

     6. Effectiveness. This Consent shall become effective on the later of (i)
the Effective Date or (ii) the date of Landlord's execution hereof.

     7. Effect of Delivery. This Consent shall not be effective, and shall not
be relied upon by any party, until such time as it has been executed by a duly
authorized officer of Landlord and a copy of this Consent, which has been fully
executed by Landlord, Assignor and Assignee, is delivered to Assignor.

                            (execution page follows)

                                        4

<PAGE>

     IN WITNESS WHEREOF, Landlord, Assignor Parties and Assignee have executed
this Consent to Assignment on this __________ day of _____________, 2000.

                                        ASSIGNOR PARTIES:

Witness as to ORAL HEALTH               ORAL HEALTH SERVICES, INC.
SERVICES, INC.:

/s/ Marla I Berman                      By: /s/ STANLEY SHAPIRO
-------------------------------------       ------------------------------------
Signature                               Name: STANLEY SHAPIRO
                                        Title: PRES
Marla I Berman
Print Name

/s/ Cori Franco
-------------------------------------
Signature

Cori Franco
Print Name

Witness as to OHS, INC.:                OHS, INC.

/s/ Marla I Berman                      By: /s/ STANLEY SHAPIRO
-------------------------------------       ------------------------------------
Signature                               Name: STANLEY SHAPIRO
                                        Title: PRES
Marla I Berman
Print Name

/s/ Cori Franco
-------------------------------------
Signature

Cori Franco
Print Name

                                        ASSIGNEE:

Witness as to AMERICAN PREPAID          AMERICAN PREPAID PROFESSIONAL SERVICES,
PROFESSIONAL SERVICES, INC.:            INC.

/s/ Marla I Berman                      By: /s/ BRUCE A. MITCHELL
-------------------------------------       ------------------------------------
Signature                               Name: BRUCE A. MITCHELL
                                        Title: EX. V.P.
Marla I Berman
Print Name

/s/ Cori Franco
-------------------------------------
Signature

Cori Franco
Print Name

                           (execution page continues)

                                        5

<PAGE>

Witness as to COMPDENT CORPORATION:     COMPDENT CORPORATION:

/s/ Marla I Berman                      By: /s/ BRUCE A. MITCHELL
-------------------------------------       ------------------------------------
Signature                               Name: BRUCE A. MITCHELL
                                        Title: EX. V.P.
Marla I Berman
Print Name

/s/ Cori Franco
-------------------------------------
Signature

Cori Franco
Print Name

Witness as to LANDLORD:                 LANDLORD:

                                        WRC PROPERTIES, INC.

/s/ Frances L. Cairo                    By: /s/ HARRY ST. CLAIR
-------------------------------------       ------------------------------------
Signature                               Name: HARRY ST. CLAIR
                                        Title: ASSISTANT SECRETARY
Frances L. Cairo
Print Name

/s/ Bernita Williams
-------------------------------------
Signature

Bernita Williams
Print Name

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00114-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00114-of-00352.parquet"}]]