Document:

EXHIBIT  10.30

                              LETTER OF APPOINTMENT
                              ---------------------

                                                                 August 24, 1999

Jack  Marshall
Lisa  Marshall
Suite  142
300  Orchard  City  Drive
Campbell,  California  95008

Dear  Jack:

     This  Letter  of  Appointment ("Agreement") confirms our conversations with
you.  This  Agreement  appoints Asher Investment Group, Inc.  ("Asher Group") as
financial advisor to provide financial management support to.  Photoloft.com, or
any  affiliated  or  successor  business  entities  ("Photoloft.com"  or  the
"Company").

BACKGROUND

     PhotoLoft.com  is  a  leading  digital  imaging,  sharing  and  e-commerce
community.  The  business  model  was  adopted in June of 1998, and the site was
officially  launched  in  February  of 1999.  At tile same time, the predecessor
company  entered  into  a  reorganization  with  Data  Growth,  Inc.,  which was
subsequently  renamed  PhototoLoft.com.

Today,  PhotoLoft.com  is  building its user base and developing its advertising
and  e-commerce  business  based  on  this  user  base.

SCOPE

     Asher  Group  is  being  engaged  by PhotoLoft.com to provide on a contract
outsource basis part-time financial management support.  This includes assisting
with financial statement preparation, reporting, analysis, strategy preparation,
presentation  and  strengthening  financial  controls.

     The  financial  management  support  to be performed by Asher Group will be
divided  into  the  following  stages:

     Stage  1:     Assessment.  Asher  Group  will  perform  a  review  of
Photoloft.com's  existing financial operations in light of the operational focus
and  long  term  goals  of  the  Company.  This  will include but not limited to
meeting  with  PhotoLoft.com.

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

management and reviewing relevant financial information, documents and materials
relating  to PhotoLoft.com and to the industry of which PhotoLoft.com is a part.

     Stage  II.     Implementing  Financial  Strategy.  Upon  completion  of the
Assessment,  Asher  Group,  working  with  PhotoLoft.com,  will work to strength
financial statement preparation, financial reporting and financial analysis.  It
will  work  with  PhotoLoft.com  to strength financial systems and controls.  In
addition,  Asher  Group  will  work with PhotoLoft.com management on preparing a
more  detailed  financial  strategy.  This will include strengthening the annual
financial budgeting process as well as the longer term financial strategy of the
Company.

     A  precise  timetable for the completion of Stages I and II is difficult to
forecast  because many elements necessary to make such a forecast are not within
the  control  of  Asher Group.  However, Asher Group estimates that Stage I will
take  approximately one to two months to complete, depending on the availability
of  information  and  resolution  of  various  issues.  In addition, Asher Group
estimates  that  Stage  II  should  take  approximately  one  to  two  months to
implement.  Stage II may begin prior to the completion of Stage I.  During Stage
I,  Asher Group shall not be obligated to devote more than 80 hours per month to
its  obligation  under  this  Agreement.  During  the  first month following the
completion of Stage I, Asher Group shall not be obligated to devote more than 60
hours per month to its obligations hereunder.  During the second month after the
completion of Stage I, Asher Group shall not be obligated to devote more than 40
hours per month to its obligations hereunder.  Thereafter, Asher Group shall not
be  obligated  to  devote  more  than  20  hours  per  month  to its obligations
hereunder.

     After  the  initial  six  months,  Asher  Group  will  continue  to provide
part-time  (not more than 20 hours per month) financial management support on an
ongoing  basis  to  support  the  growth  of  PhotoLoft.com  and  continue  the
development  of  a  stronger  and  more  effective  financial  infrastructure at
PhotoLoft.com  during  the  term  of  this  Assignment.

COMPENSATION  FOR  FINANCIAL,  MANAGEMENT  SUPPORT  FOR  PHOTOLOFT.COM

     As compensation for the services of Asher Group, PhotoLoft.com will pay, or
cause  to  be  paid,  the  following  fees  to  Asher  Group:

     1.     RETAINER:  PhotoLoft.com  will  pay Asher Group a retainer of $5,000
            per month.  In addition, the retainer to Asher Group each month will
            include  10,000  unrestricted  shares  of  PhotoLoft.com,  or  the
            equivalent  amount  adjusted for any stock  split, free and clear of
            any  liens or other claims.  The number of shares in any month, will
            further be increased by any amount necessary to adjust the value  of
            the  shares  should  the  average daily closing price per share fall
            below a $2.50 closing price during the preceding month.  The monthly
            Retainer  Fee  will  be  due at the beginning of each month and will
            continue until the completion of this  agreement.  The first payment
            will  be  due upon the signing of this Agreement.  Such Retainer Fee
            shall  be  deemed  earned  when  due.

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

     2.     EXPENSES:     Upon  execution of this Agreement, Asher Group will be
            reimbursed promptly upon submission for all documented out-of-pocket
            expenses  incurred  for  this  engagement.  Individual  expenses  in
            excess  of  $1,000  will  be  reviewed  with  you  in advance.  Fees
            required  by  financial  institutions  and  investors and charges by
            auditors,  legal  counsel or other advisers engaged by PhotoLoft.com
            are  not  included  in  the fees of Asher Group.  PhotoLoft.com will
            send Asher Group an initial deposit of $2,500 against expenses.  Any
            amount not required to meet reimbursement claims will be returned to
            PhotoLoft.com by Asher Group.

     PhotoLoft.com  will  pay 2:0% monthly interest on all monies which have not
     been  paid within 30 days of the date of bills from Asher Group and will be
     responsible  for  any  legal fees incurred by Asher Group in collecting any
     moneys  owed  to  it  under  this  Agreement.

     Asher  Group  will have the right, at its sole discretion, to advertise its
     role  under  this  Agreement.

EXCLUSIVITY  AND  TERMINATION

     Asher  Group  is  appointed  to  provide  financial  management support for
PhotoLoft.com  for  a  period of 6 months commencing from the date hereof.  Upon
completion  of  this  term,  this  Agreement  may  be  terminated  at  any  time
thereafter,  upon  the  expiration of thirty days written notice of termination.
Upon  termination,  Asher  Group  shall  be entitled to receive all compensation
accrued  to  the  date  of  termination.

INSURANCE

     PhotoLoft.com  agrees  to  obtain  and  maintain  during  the  term of this
Agreement  and  for  any period thereafter during which it retains any indemnity
obligation hereunder, insurance of the type and in the amount necessary to cover
any  and  all  indemnity  obligations  of  PhotoLoft.com  to  Asher  Group,  its
directors,  officer,  employees,  agents  and  counsel.

INDEMNITY

     The  attached indemnity is included herein by reference and is specifically
made  part  of  this  Agreement.

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

     To  acknowledge  acceptance  of the terms of this Agreement, please sign it
and return a copy to us.  We look forward to the opportunity of working with you
and  your  colleagues.

     With  best  wishes,  we  remain

                                            Sincerely  yours,

                                            ASHER  INVESTMENT  GROUP,  INC.

                                            Rick  Holman
                                            Principal

AGREED AND ACCEPTED BY PHOTOLOFT.COM:

-----------------------------------------
Name

-----------------------------------------
Date

Enclosure

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

Attachment

                                    INDEMNITY
                                    ---------

PHOTOLOFT.COM  HEREBY  AGREES:

(a)     to indemnify and hold harmless Asher Group and Asher Group shareholders,
        directors, officers, employees, agents and counsel (Asher Group and each
        such  other  person  being  hereinafter  referred  to as an "Indemnified
        Person") from and against  any loss, damage, liability, claim or expense
        (including  attorney's  fees)  suffered  or  incurred  by,  or  asserted
        against, an Indemnified Person (including any amounts paid in settlement
        of  any  action,  suit, proceeding or claim  brought or threatened to be
        brought  under the Federal or state securities laws,  at  common  law or
        otherwise)  which  arises in connection with or is based upon any actual
        or  proposed  step  or  element  of the engagement defined in the letter
        Agreement  to  which  this  is  attached  (the  "Transaction");  and

(b)     to  reimburse each Indemnified Person promptly for- any travel, legal or
        other  out-of-pocket  expenses  reasonably  incurred by such Indemnified
        Person  in  connection with investigating or defending any action, suit,
        proceeding or claim ("Litigation")  for  which indemnification under the
        preceding clause (a) may be sought (including the fees and disbursements
        of  counsel of such Indemnified Person's  choice  retained in connection
        with  investigation  or  defending  against  any  Litigation);

provided  however,  there  shall  be  excluded  from  such  indemnification  and
reimbursement  any  such  loss, damage, liability, claim or expense which arises
primarily  out  of  or  is based primarily upon any action or, failure to act by
Asher Group (other than an action or failure to act undertaken at the request or
with  the consent of the Company) which is held, by a final determination in the
Litigation  giving rise to any such loss, damage, liability or claim suffered or
incurred  by  an  Indemnified  Person, to constitute gross negligence or willful
misconduct  by  Asher  Group.

     The foregoing indemnity and reimbursement agreement shall be in addition to
any  other  rights  which  any  Indemnified  Person  may  have  at common law or
otherwise.

     The  rights  to  indemnification  and  reimbursement  provided  for in this
Section  shall apply whether or not an Indemnified Person is named or threatened
to  be  named  as  a  party  in any action, suit, proceeding or claim brought or
threatened  to  be  brought in respect of which such rights would apply had such
Indemnified  Person  been  so  named and/or shall survive any termination of the
engagement  of  Asher  Group hereunder or the consummation or abandonment of any
effort  associated  with  the  Transaction.

In  addition,  in  any legal action, arbitration, or other proceeding brought to
enforce  or interpret the terms of this Agreement, the prevailing party shall be
entitled  to

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

reasonable  attorney's  fees  and any other costs incurred in that proceeding in
addition  to  any  other  relief  to  which  it  is  entitled.

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

                       AMENDMENT TO LETTER OF APPOINTMENT
                       ----------------------------------

December  1,  1999

Jack  Marshall
PhotoLoft.com
Suite  142
300  Orchard  City  Drive
Campbell,  California  95008

Dear  Jack:

     This Letter ("Amendment") amends the November 29,1999 Letter of Appointment
("Agreement")  between  Asher  Investment  Group,  Inc.  ("Asher  Group")  and
PhotoLoft.com  or  any  affiliated  business  entities  ("PhotoLoft").  Unless
specifically  amended  by  this  Amendment,  the  terms of the November 29, 1999
Agreement  will  remain  unchanged.

The  Section  on  SCOPE  will  be  modified  as  follows:

In  addition  to  assisting  with  financial  statement  preparation, reporting,
analysis,  strategy  preparation,  presentation  and  strengthening  financial
controls,  during  the  period  from November 29, 1999 through December of 1999,
Asher  Group will provide bookkeeping services.  These bookkeeping services will
include  handling  payable processing, payroll processing as well as preparing a
cash  forecast.

The  Section on COMPENSATION FOR FINANCIAL MANAGEMENT SUPPORT FOR PHOTOLOFT.COM,
point  1,  Retainer,  will  be  amended  as  follows:

     1.     RETAINER:  The  following  terms:

            PhotoLoft.com  will  pay Asher Group a retainer of $5,000 per month.
            In  addition,  the  retainer  to Asher Group each month will include
            10,000  unrestricted  shares  of  PhotoLoft.com,  or  the equivalent
            amount  adjusted for any stock split, free and clear of any liens or
            other  claims.  The  number of shares in any month, will further  be
            increased  by any amount necessary to adjust the value of the shares
            should  the average daily closing price per share fall below a $2.50
            closing  price  during  the  preceding  month.

            Are  changed  to:

            PhotoLoft.com  will  pay  Asher  Group a cash retainer of $5,000 per
            month.  For  the first month, the cash retainer will be $15,000.  In
            addition,  Asher  Group is granted options as of November 1, 1999 to
            acquire  500,000

<PAGE>
PhotoLoft.com
Jack  Marshall  and  Lisa  Marshall
11/23/99

            shares  of  PhotoLoft  at  an  exercise  price of 85% of the $1.1875
            PhotoLoft stock price on November 1, 1999 ("Options"). These Options
            will be fully vested as of the date of the grant. These options will
            be  exercisable  for  a period of up to seven years from the date of
            issuance.  They shall be subject to no restrictions on  exercise. If
            during  the  period  of  the  Agreement,  an  investment  is made in
            PhotoLoft which would convert into a lower stock price (adjusted for
            any warrants  issued  to  these  investors  as consideration for the
            investment), PhotoLoft  will cancel and replace these Options with a
            grant of new options at an  exercise price of 85% of the lower stock
            price (reflecting the dilution by the warrants).  These options will
            also be fully vested as of the date of issuance.  These options will
            be  consistent  with  and  take account for any dilution as a result
            of  the  issuance  of the new stock.  If options are issued to other
            parties  at  a  lower exercise price, then PhotoLoft will cancel and
            replace  these Options with new options with the same exercise price
            as the other options issued to the other parties. These options will
            be  fully  vested  on  date  of  issuance.  These  options  will  be
            consistent with and take account for any dilution as a result of the
            issuance of the new options to the other parties.  There shall be no
            other restrictions on these options. These Options shall be provided
            to Asher Group within 15 days of the signing of this Amendment. Such
            Retainer  Fee  shall  be  deemed  earned  upon  the  signing of this
            Amendment.

     To  acknowledge acceptance of the terms of this Amendment to the Agreement,
please  sign  it and return a copy to us.  We look forward to the opportunity of
working  with  you  and your colleagues.  With best wishes, we remain, sincerely
yours,

                                            ASHER  INVESTMENT  GROUP,  INC.

                                            Rick  Holman
                                            Principal

AGREED  AND  ACCEPTED  BY  PHOTOLOFT.COM:

-----------------------------------------
Name

-----------------------------------------
Date

<PAGE>EXHIBIT 10.26
                           THE CORPORATE OFFICE CENTRE
                                  AT TYSONS II
                              1650 Tysons Boulevard
                             McLean, Virginia  22102
                                  DEED OF LEASE
                                 BY AND BETWEEN

                  TYSONS II DEVELOPMENT CO. LIMITED PARTNERSHIP

                                       and

                          APACHE MEDICAL SYSTEMS, INC.

                                   dated
                              August 16, 1999

<PAGE>
<TABLE>
<CAPTION>
                                TABLE OF CONTENTS

<C>  <S>                                                              <C>
 1.  Definition, Terms and Conditions. . . . . . . . . . . . . . . .   1
     a.     Special Definitions, Terms and Conditions. . . . . . . .   1
 2.  Term . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    7
     a.     Term and Commencement Date . . . . . . . . . . . . . . .   7
     b.     Delay in Possession. . . . . . . . . . . . . . . . . . .   7
     c.     Delays Caused by Tenant. . . . . . . . . . . . . . . . .   7
     d.     Tender of Possession . . . . . . . . . . . . . . . . . .   7
     e.     Early Possession . . . . . . . . . . . . . . . . . . . .   7
 3.  Rent and Additional Charges; Computation. . . . . . . . . . . .   8
     a.     Payment of Rent and Additional Charges . . . . . . . . .   8
     b.     Computation of Operating Expense . . . . . . . . . . . .   9
     c      Interest . . . . . . . . . . . . . . . . . . . . . . . .  10
     d.     Accord and Satisfaction. . . . . . . . . . . . . . . . .  10
     e.     Late Payment Charge. . . . . . . . . . . . . . . . . . .  10
     f.     Right to Audit . . . . . . . . . . . . . . . . . . . . .  10
 4.  Services and Utilities. . . . . . . . . . . . . . . . . . . .    10
     a.     Types. . . . . . . . . . . . . . . . . . . . . . . . . .  10
     b.     Access . . . . . . . . . . . . . . . . . . . . . . . . .  11
     c.     Interruption in Services . . . . . . . . . . . . . . . .  12
 5.  Maintenance and Repairs . . . . . . . . . . . . . . . . . . . .  12
 6.  Use of Leased Premises. . . . . . . . . . . . . . . . . . . . .  12
     a.     General Offices. . . . . . . . . . . . . . . . . . . . .  12
     b.     Covenants. . . . . . . . . . . . . . . . . . . . . . . .  12
     c.     Compliance . . . . . . . . . . . . . . . . . . . . . . .  13
     d.     Rules and Regulations. . . . . . . . . . . . . . . . . .  13
 7.  Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . .  14
     a.     Tenant . . . . . . . . . . . . . . . . . . . . . . . . .  14
     b.     Landlord . . . . . . . . . . . . . . . . . . . . . . . .  15
     c.     Waiver of Subrogation. . . . . . . . . . . . . . . . . .  15
 8.  Damage by Fire or Other Casualty. . . . . . . . . . . . . . . .  16
 9.  Condemnation. . . . . . . . . . . . . . . . . . . . . . . . . .  16
10.  Assignment and Subletting . . . . . . . . . . . . . . . . . . .  16
     a.     Landlord's Consent Required. . . . . . . . . . . . . . .  16
     b.     Leveraged Buy-Out. . . . . . . . . . . . . . . . . . . .  17
     c.     Standard for Approval. . . . . . . . . . . . . . . . . .  17
     d.     Additional Terms and Conditions. . . . . . . . . . . . .  18
     e.     Additional Terms and Conditions Applicable to Subletting  19
     f.     Transfer Premium from Assignment or Subletting . . . . .  20
     g.     Landlord's Option to Recapture . . . . . . . . . . . . .  20
     h.     Landlord's Expenses. . . . . . . . . . . . . . . . . . .  20
     i.     Permitted Transactions . . . . . . . . . . . . . . . . .  21
11.  Default Provisions. . . . . . . . . . . . . . . . . . . . . . .  21
     a.     Events of Default. . . . . . . . . . . . . . . . . . . .  21
     b.     Remedies . . . . . . . . . . . . . . . . . . . . . . . .  21
     c.     Damages. . . . . . . . . . . . . . . . . . . . . . . . .  22
     d.     Basic Rent and Additional Charges. . . . . . . . . . . .  22
12.  Bankruptcy Termination Provision. . . . . . . . . . . . . . . .  23
13.  Landlord May Perform Tenant's Obligations . . . . . . . . . . .  23
14.  Security Deposit. . . . . . . . . . . . . . . . . . . . . . . .  23
15.  Subordination; Attornment . . . . . . . . . . . . . . . . . . .  24
     a.     Subordination. . . . . . . . . . . . . . . . . . . . . .  24
     b.     Modification . . . . . . . . . . . . . . . . . . . . . .  24
     c.     Attornment . . . . . . . . . . . . . . . . . . . . . . .  25
     d.     Non-disturbance. . . . . . . . . . . . . . . . . . . . .  25
16.  Quiet Enjoyment . . . . . . . . . . . . . . . . . . . . . . . .  26

<PAGE>
17.  Landlord's Right of Access. . . . . . . . . . . . . . . . . . .  26
18.  Limitation on Landlord's Liability. . . . . . . . . . . . . . .  26
     a.     Limitation . . . . . . . . . . . . . . . . . . . . . . .  26
     b.     Force Majeure. . . . . . . . . . . . . . . . . . . . . .  26
19.  Hazardous Materials . . . . . . . . . . . . . . . . . . . . . .  27
     a.     Definition and Consent . . . . . . . . . . . . . . . . .  27
     b.     Duty to Inform Landlord. . . . . . . . . . . . . . . . .  27
     c.     Inspection; Compliance . . . . . . . . . . . . . . . . .  27
20.  Certificates. . . . . . . . . . . . . . . . . . . . . . . . . .  28
21.  Surrender of Leased Premises. . . . . . . . . . . . . . . . . .  28
22.  Alterations . . . . . . . . . . . . . . . . . . . . . . . . . .  28
23.  Holding Over. . . . . . . . . . . . . . . . . . . . . . . . . .  30
24.  Signs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  31
25.  Options . . . . . . . . . . . . . . . . . . . . . . . . . . . .  31
     a.     Definition . . . . . . . . . . . . . . . . . . . . . . .  31
     b.     Options Personal . . . . . . . . . . . . . . . . . . . .  31
     c.     Multiple Options . . . . . . . . . . . . . . . . . . . .  31
     d.     Effect of Default on Options . . . . . . . . . . . . . .  31
     e.     Limitations on Options . . . . . . . . . . . . . . . . .  31
     f.     Notice of Exercise of Option . . . . . . . . . . . . . .  31
26.  Leasing Commission. . . . . . . . . . . . . . . . . . . . . . .  32
27.  General Provisions. . . . . . . . . . . . . . . . . . . . . . .  32
     a.     Binding Effect . . . . . . . . . . . . . . . . . . . . .  32
     b.     Laws . . . . . . . . . . . . . . . . . . . . . . . . . .  32
     c.     Attorney's Fees. . . . . . . . . . . . . . . . . . . . .  32
     d.     Waiver . . . . . . . . . . . . . . . . . . . . . . . . .  32
     e.     Security Interest. . . . . . . . . . . . . . . . . . . .  32
     f.     Notices. . . . . . . . . . . . . . . . . . . . . . . . .  33
     g.     Entirety . . . . . . . . . . . . . . . . . . . . . . . .  33
     h.     Waiver of Jury . . . . . . . . . . . . . . . . . . . . .  33
     i.     Waiver of Venue. . . . . . . . . . . . . . . . . . . . .  33
     j.     Confidentiality. . . . . . . . . . . . . . . . . . . . .  33
     k.     Tenant Entity. . . . . . . . . . . . . . . . . . . . . .  33
     l.     Time of Essence. . . . . . . . . . . . . . . . . . . . .  34
     m.     Words and Phrases. . . . . . . . . . . . . . . . . . . .  34
     n.     Limit on Landlord's Liability. . . . . . . . . . . . . .  34
     o.     Counterparts . . . . . . . . . . . . . . . . . . . . . .  34
     p.     Exhibits and Addendum. . . . . . . . . . . . . . . . . .  34
</TABLE>

Addendum
Exhibit  A
Exhibit  A-1
Exhibit  C
Exhibit  D
Exhibit  E
Exhibit  F
EXHIBIT  G

<PAGE>

                     This page was intensionly left blank.

<PAGE>
                    THE CORPORATE OFFICE CENTRE AT TYSONS II
                                  DEED OF LEASE

     This  DEED  OF LEASE (hereinafter, this "Lease") dated as of the  16th  day
of  August,  1999,  is   by   and   between  TYSONS  II  DEVELOPMENT CO. LIMITED
PARTNERSHIP,  a  Maryland  limited  partnership  (hereinafter,  "Landlord"), and
APACHE   MEDICAL   SYSTEMS,   INC.,   a  Delaware   corporation   (hereinafter,
"Tenant").

     WITNESS,  subject  to  the  terms  of this Lease, Landlord hereby leases to
Tenant,  and Tenant hereby leases from Landlord, the Leased Premises (as defined
below),  for  the  Term  (as  defined  below).

     1.   Definitions, Terms, and Conditions.
          ----------------------------------

          (a) Special Definitions, Terms, and Conditions. Throughout this Lease,
              ------------------------------------------
the following  words and phrases shall have the meanings  indicated and obligate
the parties as stated:

               (1)  Advance  Deposit.  $54,221.38  [an  amount  equal to one (1)
                    ----------------
month's  Basic Rent].  Such Advance  Deposit shall be paid by Tenant to Landlord
upon Tenant's  execution  hereof and held by Landlord as temporary  security for
the performance of Tenant's obligations hereunder. Such Advance Deposit shall be
applied to Basic Rent for the first full month of the Term for which  Basic Rent
is actually payable.

               (2) Rent.
                   ----

                    (A) Basic Rent.
                        ----------

                         During the Initial Term hereof,  Tenant shall pay Basic
Rent for the Leased Premises (as defined in Section 1(a)(5) below) in accordance
with the following schedule:

            Initial  Term          Basic  Rent  Per  Rentable  Square  Foot
            -------------          ----------------------------------------
     (In  Full  Calendar  Months)
     ----------------------------

     Lease  Commencement  Date  -
     End  of  First  12  Full  Calendar  Months     $30.50
     13-24                                          $31.42
     25-36                                          $32.36
     37-48                                          $33.33
     49-60                                          $34.33
     61-72                                          $35.36
     73-84                                          $36.42

                    (B) Parking Rent.  $70.00  per  month,  per  permit for each
                        ------------
of the seventy-seven  (77) parking permits (the "Initial  Permits") (3.6 PERMITS
PER 1,000  SQUARE FEET OF THE LEASED  PREMISES)  during the first Lease Year (as
defined  in  Section  1(b)(6)  below).  At the  beginning  of  each  Lease  Year
thereafter  during the Term,  the Parking  Rent shall be an amount  equal to the
Parking Rent applicable during the immediately preceding Lease Year increased by
three percent (3%). Of the seventy-seven  (77) Initial Permits,  Tenant shall be
permitted  eight (8) of such Initial  Permits to be for  reserved  spaces in the
location designated on Exhibit A-1 attached hereto.  Tenant shall be entitled to
                       -----------
the use of and  shall  be  obligated  to  lease  and pay for all of the  Initial
Permits  throughout the entire Term of the Lease.  In the event Tenant  requests
additional spaces in addition to the Initial Permits,  such parking spaces shall
be made available to Tenant,  to the extent  available,  and on terms then being
made  available  to the  general  public for  off-street  parking in the parking
garage.

<PAGE>
               (3) Initial Term. The period commencing on the Lease Commencement
                   ------------
Date  and  ending  on the  last  day  of  the  calendar  month  which  completes
eighty-four (84) full calendar months  thereafter,  unless sooner  terminated in
accordance with the provisions hereof.

               (4)  Lease  Commencement  Date.  December  1,  1999,  subject  to
                    -------------------------
adjustment in accordance with Section 2 below.

               (5) Leased Premises. The entire third (3rd) floor of the Building
                   ---------------
designated  as Suite 300 and as  outlined on the floor plan  attached  hereto as
Exhibit A  (exclusive  of any  Building  mechanical,  electrical,  telephone  or
similar rooms, janitor closets,  elevator, pipe and other vertical shafts, ducts
and stairwells); the agreed upon rentable square footage of the Leased Premises,
including core space, is 21,333 square feet.

               (6)  (I)  Proportionate   Share  for  Operating   Expenses.   The
                         ------------------------------------------------
percentage  that the rentable square footage of the Leased Premises bears to the
total  rentable  square  footage of all office space in the Building,  except as
provided in Section 1(b)(8) hereof.

                    (ii)  Proportionate Share for Real Estate Taxes.  5.9% which
                          -----------------------------------------
is  the percentage that the rentable square footage of the Leased Premises bears
to  the  total  rentable  square  footage  of  the  Building.

               (7)  Operating  Expense  Increases.  Tenant  agrees  to  pay  the
                    -----------------------------
Proportionate  Share of Operating  Expenses (as defined below) for a given Lease
Year in excess of  Operating  Expenses  for the  calendar  year 2000 (the  "Base
Year"), as more fully provided in Section 3.

               (8)  Security  Deposit.  $122,540.31,  held subject to Section 14
                    -----------------
below.

               (9) Tenant's Notice Address.  To the Leased Premises,  ATTENTION:
                   -----------------------
PETER GLADKIN, PRESIDENT AND CEO.

               (10)  Leasing  Broker(s).   Landlord's  Leasing  Broker  (Diamond
                     ------------------
Property Company) and Tenant's Leasing Broker (GSHH/LBG, L.L.C. T/A ADVANTIS).

          (b) General Definitions, Terms, and Conditions. As used in this Lease,
              ------------------------------------------
the following  words and phrases shall have the meanings  indicated and obligate
the parties as stated:

               (1) Additional Charges. All amounts payable by Tenant to Landlord
                   ------------------
under this Lease  other than the Basic Rent.  All  Additional  Charges  shall be
deemed to be additional rent and all remedies applicable to non-payment of Basic
Rent shall be applicable thereto.  Herein, Basic Rent and Additional Charges may
be referred to in combination as "Rent."

               (2) Building. The existing office building located at 1650 Tysons
                   --------
Boulevard,  McLean,  Virginia 22102, consisting of 363,764 rentable square feet,
including the underlying  lot, the Common Areas (as defined  below),  along with
portions  of  the  adjacent  parking  structure  allocated  to the  Building  by
Landlord, except that Landlord reserves and Tenant shall have no right in and to
(i) the  ownership and use of the exterior  faces of all perimeter  walls of the
Building,  (ii) the ownership and use of the roof of the Building,  or (iii) the
ownership and use of the air space above the Building.

               (3) Common  Areas.  All areas and  facilities of the Building for
                   -------------
the common  use and/or  benefit of  tenants  of the  Building  as  allocated  by
Landlord, including the exterior of the Building and areas and facilities shared
with buildings adjacent to the Building, and including,  without limitation, the
public lobbies,  elevators,  corridors,  stairways, toilet rooms, parking areas,
motor court plaza, loading and unloading areas,  roadways and sidewalks.  Except
as provided  herein,  throughout  the Term,  Tenant,  its agents,  employees and
business invitees shall have the non-exclusive  right, in common with others, to
use the Common Areas of the Building. Provided reasonable access to and from the
Leased  Premises  is  maintained,  Landlord  shall  have the  right at any time,
without  Tenant's  consent,  to change the arrangement or location of entrances,
passageways, doors, doorways, corridors, stairs, toilet rooms or other elements

                                        2
<PAGE>
of  the  Common  Areas  of  the  Building,  or  to  change  the  name, number or
designation  by  which  the  Building  is  known;  provided  that Landlord shall
reimburse  Tenant  the  reasonable  third  party out-of-pocket costs incurred by
Tenant  in connection with such change in name, number or designation.  Landlord
may  also  designate  other  land and improvements outside the boundaries of the
Building  to  be  a  part of the Common Areas, provided that such other land and
improvements  have  a  reasonable,  direct  and  functional  relationship to the
Building.  Landlord  reserves unto itself the full and complete ownership of all
tangible  personal  property  installed  by  Landlord  in  the  Building.

               (4) Event of  Default.  Any of the events set forth in Section 11
                   -----------------
hereof,  or any default at law, the same sometimes herein being referred to as a
"default" by Tenant.

               (5) Landlord's Notice Address.
                   -------------------------

                   TYSONS  II  DEVELOPMENT  CO.  LIMITED  PARTNERSHIP
                   c/o  Lerner  Corporation
                   11501  Huff  Court
                   North  Bethesda,  Maryland  20895-1094
                   Attention:     Legal  Department

                   All  rental  payments  shall  be  forwarded  to:

                   TYSONS  II  DEVELOPMENT  CO.  LIMITED  PARTNERSHIP
                   c/o  Lerner  Corporation
                   11501  Huff  Court
                   North  Bethesda,  Maryland  20895-1094
                   Attention:     Accounts  Receivable
                                  1650  Tysons  Boulevard

               (6) Lease Year. The period  commencing on the Lease  Commencement
                   ----------
Date and  ending  on the  last day of the  calendar  year in  which  said  Lease
Commencement Date occurs shall constitute the first "Lease Year" as such term is
used herein. Each successive full calendar year during the Term thereafter shall
constitute a "Lease Year" and any portion of the Term  remaining  after the last
full  calendar year shall  constitute  the last "Lease Year" for the purposes of
this Lease.

               (7)  Mortgage.  Any  mortgage or deed of trust which  affects any
                    --------
interest in the Building or Landlord,  and the word  "mortgagee"  shall mean the
                                                      ---------
holder of any such mortgage or the beneficiary of any such deed of trust.

               (8)  Operating  Expenses.  All  COMMERCIALLY   REASONABLE  costs,
                    -------------------
expenses and fees, incurred or accrued each Lease Year, including the Base Year,
by Landlord in connection with the ownership,  management,  operation, servicing
and maintenance of the Building including,  but not limited to, any COMMERCIALLY
REASONABLE  costs  incurred in keeping the  Building  in  compliance  with code;
repairs, maintenance,  additions,  replacements and improvements to the Building
(excluding  capital  improvements  unless the same are  reasonably  intended  by
Landlord to reduce Operating Expenses), including all parking areas, loading and
unloading areas, trash areas, roadways, sidewalks,  stairways, landscaped areas,
motor court plaza and fountains, striping, bumpers, irrigation systems, lighting
facilities, building exteriors and roofs, fences and gates related solely to the
Building; building,  janitorial and cleaning supplies; uniforms and dry cleaning
services; window cleaning services,  plumbing,  mechanical,  electrical systems,
life  safety  systems and  equipment,  telecommunication  equipment,  elevators,
escalators,  tenant  directories,  fire detection systems,  including  sprinkler
system maintenance and repair; the cost of trash disposal,  janitorial  services
and security  services and systems;  service  contracts for the  maintenance and
operation  of  elevators,  boilers,  HVAC,  mechanical  equipment  and  exercise
equipment;  employees'  wages,  salaries  and fringe  benefits;  payroll  taxes;
business and  franchise  taxes;  Real Estate Taxes (as defined in  subsection 11
below); any expenses  reasonably  incurred by Landlord in attempting to protest,
reduce or minimize  Real Estate  Taxes;  electricity,  gas, oil and other fuels,
solid waste and utility charges; sewer and water charges;  premiums for fire and
casualty, liability,  workmen's compensation and other insurance,  including any
deductibles;  telephone and facsimile services and other  communications  costs;
common  transportation   services;  any  costs  in  connection  with  equipping,
maintaining and operating the health club in the Building; any property owners

                                        3
<PAGE>
association  dues including the Tysons II Property Owners Association, Inc.; any
parking  management  fee;  the cost of all business licenses, including Business
Professional  and  Occupational  License Tax and Business Improvements Districts
Tax,  any  gross receipt taxes based on rental income or other payments received
by  Landlord,  commercial rental taxes or any similar taxes or fees; the cost of
installing  intra-building  network  cabling ("INC") and maintaining, repairing,
securing and replacing existing INC; administrative costs and overhead expenses;
miscellaneous management-related expenses; and management fees.  For purposes of
determining  Tenant's  Proportionate  Share  of Operating Expenses which are not
fixed  and  which  vary  depending  upon  Building  occupancy  levels,  such  as
janitorial  services,  electricity,  and  management fees based upon rental, the
Proportionate  Share  of  such  expenses  shall  be  adjusted  utilizing  as the
numerator  the  rentable  square  footage  of  the  Leased  Premises  and as the
denominator  the  rentable  square footage of office tenants in occupancy of the
Building  each  Lease  Year.  For purposes of determining Tenant's Proportionate
Share  of Operating Expenses which in certain instances have been contracted for
separately  by other tenants of the Building, such as electricity and janitorial
services,  the  Proportionate Share of such expenses shall be adjusted utilizing
as  the  numerator the rentable square footage of the Leased Premises and as the
denominator  the  rentable square footage of all remaining office tenants of the
Building  which  do  not  contract  separately  for  such services.  If the cost
incurred  in  making  an  improvement  or  replacing  any equipment is not fully
deductible  as  an  expense  in  the  year incurred in accordance with generally
accepted  accounting principles or income tax rules, the cost shall be amortized
over  the  useful life of the improvement or equipment, as reasonably determined
by  Landlord,  together  with an interest factor on the unamortized cost of such
item  equal  to  the  lesser  of (i) twelve percent (12%) per annum, or (ii) the
maximum  rate  of  interest  permitted  by  applicable  law.

          In addition, notwithstanding anything to the contrary contained in the
definition of Operating  Expenses set forth in this Section  1(b)(8),  Operating
Expenses shall not include the following:

               (i)  Ground rent.

               (ii) Salaries,  benefits,  wages or fees for employees  above the
                    grade of  property  manager or for  officers  or partners of
                    Landlord.

               (iii)Costs and  expenses  which  would  otherwise  be included in
                    Operating   Expenses   but   which  are  in  excess  of  the
                    competitive   rates  for  similar   services  of  comparable
                    quality,  rendered by persons or entities of similar  skill,
                    competence   and   experience,   provided   however  that  a
                    management  fee of four percent (4%) of gross revenues shall
                    be deemed  not to exceed the  competitive  rate and shall be
                    included  in the  Base  Year  Operating  Expenses  and  each
                    comparative year. Management fees for the Base Year and each
                    comparative year shall be computed as if the vacant areas of
                    the Building were fully rented at ninety-five  percent (95%)
                    of the average  rents being  charged in the Building  during
                    the applicable Lease Year.

               (iv) To the extent that employees are not employed exclusively at
                    the  Building,  the costs and expenses  with respect to such
                    employees should be prorated.

               (v)  Federal,  state,  county  or  municipal  taxes,  RECORDATION
                    TAXES,  death  taxes,  GIFT  TAXES,   excess  profit  taxes,
                    franchise  or any taxes  imposed  or  measured  on or by the
                    income or  revenue of  Landlord  from the  operation  of the
                    Building.

               (vi) Any expense for which Landlord is reimbursed from any tenant
                    or other third  party,  or under the terms of any  insurance
                    policy, warranty or condemnation award.

               (vii)Leasing  commissions,   MARKETING  COSTS,  attorneys'  fees,
                    costs,   disbursements   and  other  expenses   incurred  in
                    connection  with  solicitation  of and negotiation of leases
                    with  tenants,  other  occupants or  prospective  tenants or
                    other occupants of the Building.

                                        4
<PAGE>
               (viii) All "tenant  allowances",  "tenant  concessions" and other
                    costs  or  expenses   incurred  in  completing,   fixturing,
                    furnishing, renovating or otherwise improving, decorating or
                    redecorating  space for tenants of the  Building,  or vacant
                    lease space in the Building including space planning fees.

               (ix) All items,  utilities  and  services for which Tenant or any
                    other  tenant  or  occupant  of  the  Building  specifically
                    reimburses  Landlord or for which Tenant or any other tenant
                    or occupant of the Building pays third parties.

               (x)  All costs or expenses (including fines, penalties,  interest
                    and legal fees)  incurred due to the  violation by Landlord,
                    its employees,  agents or contractors,  or any tenant (other
                    than Tenant) or other occupant of the Building, of the terms
                    and  conditions  of any lease or other  occupancy  agreement
                    pertaining to the Building.

               (xi) Payment of principal, finance charges or interest on debt or
                    amortization  on any mortgage or other debt or any penalties
                    assessed  as a result of  Landlord's  late  payments of such
                    amounts.

               (xii)Any costs of Landlord's general overhead,  including general
                    and  administrative  expenses,  which  costs  would  not  be
                    chargeable  to  Operating  Expenses  of  the  Building,   in
                    accordance with generally  accepted  accounting  principles,
                    consistently applied.

               (xiii) Any costs or expenses for the  acquisition  of  sculpture,
                    paintings, or other works of fine art.

               (xiv)Any otherwise  includible costs of correcting defects in the
                    Building  and/or any  associated  garage  facilities  and/or
                    equipment  or  replacing  defective  equipment to the extent
                    such  costs are  covered  by  warranties  of  manufacturers,
                    suppliers or contractors.

               (xv) All expenses directly resulting from the gross negligence or
                    willful misconduct of the Landlord, its agents or employees.

               (xvi)All costs and expenses  associated with the operation of the
                    business  of the entity  which  constitutes  Landlord as the
                    same are  distinguished  from the costs of  operation of the
                    Building,  including accounting and legal matters,  costs of
                    defending any lawsuits with any Landlord's Mortgagee,  costs
                    of   selling,   syndicating,    financing,   mortgaging   or
                    hypothecating   any  of  the  Landlord's   interest  in  the
                    Building,  or costs of any disputes between Landlord and its
                    employees (if any) not engaged in Building operation.

               (xvii) Rent for space which is not  actually  used by Landlord in
                    connection with the management or operation of the Building.

               (xviii) Costs of correcting  any  violations  under the Americans
                    with Disabilities Act existing as of the Lease  Commencement
                    Date.

               (XIX)All costs and expenses  associated with causing the Building
                    and Building systems to not be impacted by the problem which
                    is  commonly  known as the "year 2000  problem"  (i.e.,  the
                    inability  of certain  computer  applications  to  recognize
                    correctly  and perform date  sensitive  functions  involving
                    certain dates prior to and after December 31, 1999).

               (xx) OPERATING  EXPENSES   ATTRIBUTABLE  TO  THE  PARKING  GARAGE
                    ADJACENT TO THE  BUILDING  SHALL BE REDUCED BY THE AMOUNT OF
                    RECEIPTS DERIVED FROM THE PARKING GARAGE.

                                        5
<PAGE>
               (9) Person.  A natural  person,  partnership,  corporation or any
                   ------
other form of business or legal association or entity.

               (10) Prime Rate. The prime rate of interest  charged from time to
                    ----------
time by Bank of  America  or its  successor  to its most  favored  customers  on
commercial loans having a 90-day duration.

               (11) Real Estate Taxes. All taxes,  assessments,  water and sewer
                    -----------------
rents,  if any,  and other  charges,  if any,  general,  special  or  otherwise,
including all assessments for schools,  public  betterments and general or local
improvements, levied or assessed upon or with respect to the ownership of and/or
all  other  taxable   interests  in  the  Building  imposed  by  any  public  or
quasi-public authority having jurisdiction.  Except for taxes, fees, charges and
impositions  described in the next succeeding sentence,  Real Estate Taxes shall
not include any income inheritance,  estate, succession,  transfer, gift, profit
tax or capital  levy.  If at any time  during the Term the  methods of  taxation
shall be altered so that in addition to or in lieu of or as a substitute for the
whole or any part of any Real Estate  Taxes  levied,  assessed or imposed  there
shall be levied,  assessed or imposed  against the Building  (i) a tax,  license
fee, excise or other charge on the rents received by Landlord, or (ii) any other
type of tax or  other  imposition  in lieu of,  or as a  substitute  for,  or in
addition  to, the whole or any portion of any Real Estate  Taxes,  then the same
shall  be  included  as Real  Estate  Taxes.  A tax bill or true  copy  thereof,
together  with any  explanatory  or detailed  statement  of the area or property
covered  thereby,  submitted by Landlord to Tenant shall be prima facie evidence
                                                            ----- -----
of the amount of taxes assessed or levied, as well as of the items taxed. In the
event any  building or land  adjacent to the  Building in which  Landlord has an
interest  is not  separately  assessed  and  taxed,  Landlord  shall  allocate a
proportionate  share  to  each  such  building.  If  any  real  property  tax or
assessment levied against the land,  buildings or improvements covered hereby or
the rents reserved therefrom,  shall be evidenced by improvement or other bonds,
or in other form, which may be paid in annual installments, only the amount paid
or accrued in any Lease Year shall be  included as Real  Estates  Taxes for such
Lease Year as if Landlord paid in the maximum number of installments.

               (12) Requirements. All laws, statutes, ordinances, codes, orders,
                    ------------
rules,  regulations,  requirements  and safety  recommendations  of all federal,
state  and  municipal  governments,   and  the  appropriate  agencies,  offices,
departments, boards and commissions thereof, Landlord's insurer(s), the board of
fire  underwriters  and/or the fire  insurance  rating  organization  or similar
organization performing the same or similar functions,  whether now or hereafter
in force,  applicable  to the  Building  or any part  thereof  and/or the Leased
Premises,  and notices from Landlord's mortgagee with respect to compliance with
its loan documents  with  Landlord,  as to the manner of use or occupancy or the
maintenance, repair or condition of the Leased Premises and/or the Building, and
the  requirements of the carriers of all fire insurance  policies  maintained by
Landlord on or with regard to the Building.

               (13)  Tenant  Improvements.  TENANT  HEREBY  ACCEPTS  THE  LEASED
                     --------------------
PREMISES  IN ITS "AS-IS"  CONDITION  EXISTING  ON THE LEASE  COMMENCEMENT  DATE.
LANDLORD  SHALL HAVE NO OBLIGATION TO CONSTRUCT ANY TENANT  IMPROVEMENTS  TO THE
LEASED PREMISES ON BEHALF OF TENANT.

               (14) Term. The Initial Term and the extended term(s),  if any, as
                    ----
to which Tenant shall have effectively exercised any right to extend, but in any
event the Term  shall end on any date when this  Lease is sooner  terminated  in
accordance with the provisions hereof.

     2.   Term.
          ----

          (a) Term and Commencement  Date. The Initial Term, Lease  Commencement
              ---------------------------
Date and Term of this Lease are as  specified in Sections  1(a)(3),  1(a)(4) and
1(b)(14), respectively. Tenant shall, within thirty (30) days after Landlord's

                                        6
<PAGE>
request,  complete  and  execute  the  letter  attached  hereto as Exhibit C and
                                                                   ---------
deliver it to Landlord.  Tenant's  failure to execute the letter attached hereto
as Exhibit C within  said  thirty  (30) day period  shall be a material  default
hereunder  and shall  constitute  Tenant's  acknowledgement  of the truth of the
facts contained in the letter delivered by Landlord to Tenant.

                                        7
<PAGE>
     3.   Rent  and  Additional   Charges;   Computation  of  Operating  Expense
          ----------------------------------------------------------------------
          Increases.
          ---------

          (a) Payment of Basic Rent and Additional Charges. Tenant shall pay the
              --------------------------------------------
Basic Rent and  Parking  Rent in equal  monthly  installments  in advance on the
first day of each month  during the Term  commencing  on the Lease  Commencement
Date; provided,  however, if the Lease Commencement Date is not the first day of
a month,  Basic Rent and  Parking  Rent for the period  commencing  on the Lease
Commencement  Date and  ending  on the last day of the  month in which the Lease
Commencement  Date  occurs  shall  be  pro-rated  for  each  day at the  rate of
one-thirtieth (1/30) or one-thirty-first  (1/31) of the full monthly installment
of Basic Rent and Parking Rent and paid on the Lease  Commencement  Date. If any
due and owing Basic Rent or Parking  Rent is underpaid as a result of failure to
make any  required  adjustment  thereto  or other  cause,  after  such  required
adjustment  thereto or other  cause,  Tenant  shall pay such  deficiency  in its
entirety  along with the next  monthly  payment  of Basic Rent or Parking  Rent.
Tenant shall also pay the Proportionate  Share of Operating Expense Increases as
provided in Sections 1(a)(7) and 3(b) hereof.  The Basic Rent and all Additional
Charges shall be paid  promptly when due, in lawful money of the United  States,
without  notice  or  demand  and  without  deduction,   diminution,   abatement,
counterclaim  or set-off of any amount or for any reason  whatsoever,  EXCEPT AS
OTHERWISE  PROVIDED HEREIN,  to Landlord at Landlord's Notice Address or at such
other  address  or to such  other  person  as  Landlord  may  from  time to time
designate.  If Tenant makes any payment to Landlord by check,  the same shall be
by check of Tenant or an affiliated  entity of Tenant only,  and Landlord  shall
not be required to accept the check of any other person,  and any check received
by Landlord  shall be deemed  received  subject to  collection.  If any check is
mailed by Tenant, it should mailed to Landlord's Notice Address and Tenant shall
post such check in sufficient time prior to the date when payment is due so that
such check will be received  by  Landlord on or before the date when  payment is
due.  Tenant  shall  assume the risk of  lateness  or failure of delivery of the
mails.  If,  during the Term,  Landlord  receives two or more checks from Tenant
which are  returned by Tenant's  bank for  insufficient  funds or are  otherwise
returned unpaid,  Tenant agrees that all checks  thereafter shall be either bank
certified or bank cashier's checks.  All bank service charges resulting from any
bad checks shall be borne by Tenant.  Notwithstanding  the  foregoing,  UPON ONE
HUNDRED EIGHTY (180) DAYS PRIOR WRITTEN NOTICE TO TENANT,  AND TO THE EXTENT THE
USE OF AN ACH, AS HEREINAFTER  DEFINED,  IS FEASIBLE FOR TENANT,  Landlord shall
have the option of requiring Tenant to make all payments of Basic Rent by use of
an  Automated  Clearing  House  ("ACH")  debit or  credit,  at the option of the
Tenant.  The Rent reserved under this Lease shall be the total of all Basic Rent
and Additional  Charges,  increased and adjusted as elsewhere  herein  provided,
payable during the entire Term and, accordingly, the methods of payment provided
for herein, namely, annual and monthly rental payments, are for convenience only
and are made on account of the total Rent reserved hereunder, provided, however,
that unless this Lease has been  terminated  as a result of an Event of Default,
Landlord cannot demand payment of the Total Rent reserved  hereunder in anything
but monthly rental payments.

          (b) Computation of Operating Expenses.
              ---------------------------------

               (1) Following the  expiration of each Lease Year,  Landlord shall
submit to Tenant a statement  setting forth in  reasonable  detail the Operating
Expenses for the  preceding  Lease Year and the amount,  if any, due to Landlord
from Tenant  pursuant to Section  1(a)(7) for such Lease Year on account of such
Operating Expenses (the "Statement").  In addition,  following the expiration of
the Base Year,  Landlord  shall  submit to Tenant a Statement  setting  forth in
reasonable detail the Operating Expenses for the Base Year. Such Statement shall
constitute a final determination  between the parties for the period represented
thereby,  subject only to proper  adjustments  subsequently made by Landlord and
Tenant's right to dispute such  determination and any such adjustment.  Prior to
the rendition of any such  Statement,  Tenant shall continue to pay to Landlord,
on the first day of each month, the  installments of the Operating  Expenses due
from Tenant during the preceding Lease Year. If any such Statement shows any

                                        8
<PAGE>
Operating  Expenses  due  from Tenant with respect to such preceding Lease Year,
then  Tenant shall make payment of any unpaid portion thereof within THIRTY (30)
days  after  receipt  of  such  Statement.  Tenant shall also pay to Landlord as
Additional  Charges,  commencing  as  of  the first day of the month immediately
following  the  rendition  of  such Statement and on the first day of each month
thereafter  until  a new statement is rendered, 1/12th of the Operating Expenses
reasonably  estimated  by  Landlord  to be due from Tenant for the current Lease
Year  (WHICH  ESTIMATE  SHALL  NOT  EXCEED FIVE PERCENT (5%) MORE THAN THE PRIOR
LEASE  YEAR'S  OPERATING  EXPENSES);  and, Tenant shall also pay to Landlord, as
Additional Charges, within THIRTY (30)  days after receipt of such Statement, an
amount  equal  to the difference between (a) the product obtained by multiplying
the  estimated  Operating Expenses for the current Lease Year by a fraction, the
denominator  of  which  shall be twelve (12) and the numerator of which shall be
the number of months of the current Lease Year which shall have elapsed prior to
the  first  day  of  the  month  immediately  following  the  rendition  of such
Statement,  and  (b) the sum of all previous Operating Expense payments (if any)
made  by  Tenant  with  respect  to such prior months in the current Lease Year.
Payments  based  on  the estimated Operating Expenses for the current Lease Year
shall  be  credited toward the actual Operating Expenses due from Tenant for the
current  Lease  Year,  subject  to adjustment as and when the Statement for such
current  Lease  Year  is  rendered  by  Landlord.

               (2) Operating  Expenses are included in the Basic Rent payable by
Tenant  during the first  twelve (12) months of the Initial  Term.  Tenant shall
commence paying the  Proportionate  Share of Operating  Expense Increases on the
first anniversary of the Lease Commencement Date. Upon the date of expiration or
termination of this Lease,  whether the same be the date  hereinabove  set forth
for the  expiration  of the Term,  or any prior or  subsequent  date, a prorated
share of said Operating Expenses for the Lease Year during which such expiration
or termination  occurs shall become due and payable by Tenant to Landlord WITHIN
TEN (10) DAYS OF LANDLORD'S  NOTICE THEREOF TO TENANT, if it was not theretofore
already  billed and paid. The said prorated share shall be based upon the length
of time that the Term  shall have been in  existence  during  such  Lease  Year.
Landlord  shall,  as soon as  reasonably  practicable,  cause  statements of the
Operating  Expenses for that Lease Year to be prepared and  furnished to Tenant.
Landlord and Tenant shall thereupon make appropriate adjustments of amounts then
owing. Landlord's and Tenant's obligation to make the adjustments referred to in
subparagraphs  (1) and (2) of this Section 3(b) shall survive any  expiration or
termination  of this Lease AND ANY  OVERPAYMENT  OR  UNDERPAYMENT  OF  OPERATING
EXPENSES SHALL BE PROMPTLY REMITTED. Any delay or failure of Landlord in billing
any Operating Expenses  hereinabove provided shall not constitute a waiver of or
in any way  impair the  continuing  obligation  of Tenant to pay such  Operating
Expenses.

                    (i) The  Operating  Expenses  for the  Base  Year  shall  be
adjusted,  if  necessary,  to a  level  of  that  of a 95%  occupied  and  fully
operational  office building at cost levels  prevailing in the geographic market
in which the  Building is located for an entire Lease Year.  This  APPROPRIATELY
DOCUMENTED adjustment shall include (a) when Building systems are under warranty
during the Base Year, an adjustment for the cost of service  contracts and other
expenses that would have been incurred in the absence of such warranties; (b) an
adjustment  for all other  expenses that are not incurred if the Building is new
and  start-up  discounts  or  similar  savings  have  been  achieved;   and  (c)
adjustments  for all other  atypical costs that occur or do not occur during the
Base Year other  than  those  costs  which  would  occur in the Base Year in the
ordinary course of business.  The purpose of these  adjustments is to include in
the Building Operating Expenses for the Base Year all reasonable cost components
that occur or are likely to occur in later  years and would be  reasonable  cost
components in the Base Year but for the fact that it is the Base Year.

                    (ii) If a new category of expense is incurred after the Base
Year, the first full year's expense for such item shall be added to the Building
Operating  Expenses for the Base Year  commencing  with the first full  calendar
year that such expense is incurred, so that Tenant shall only be required to pay
subsequent  increases in such expense. The expense incurred for such item during
the first year shall be subject to the adjustments  described in the immediately
preceding paragraph.

                                        9
<PAGE>
          (c)  Interest.  If Tenant  fails to pay any Basic  Rent or  Additional
               --------
Charges  within five (5) days after the same becomes due and  payable,  interest
shall,  at  Landlord's  option,  accrue from the date due on the unpaid  portion
thereof at the rate of one percent (1%) per month or five (5) percentage  points
above the Prime Rate in effect on such due date,  whichever is higher, but in no
event at a rate higher than the maximum rate allowed by law. Such interest shall
be  deemed   additional  rent  hereunder  and  shall  be  collectible  as  such.
NOTWITHSTANDING  THE FOREGOING,  LANDLORD AGREES TO WAIVE THE IMPOSITION OF SUCH
INTEREST  ON THE  FIRST TWO (2)  OCCASIONS  IN ANY  TWELVE  (12)  MONTH  PERIOD,
PROVIDED THE OVERDUE  PAYMENT IS MADE WITHIN FIVE (5) DAYS AFTER  LANDLORD GIVES
TENANT WRITTEN NOTICE THAT PAYMENT WAS NOT MADE WHEN DUE.

          (d)  Accord  and  Satisfaction.  No  payment  by Tenant or  receipt by
               -------------------------
Landlord of any lesser amount than the amount  stipulated  to be paid  hereunder
shall be deemed other than on account of the earliest  stipulated  Basic Rent or
Additional  Charges;  nor shall any  endorsement  or  statement  on any check or
letter be deemed an accord and  satisfaction,  and Landlord may accept any check
or payment without  prejudice to Landlord's  right to recover the balance due or
to pursue any other remedy available to Landlord.

          (e) Late  Payment  Charge.  If Tenant  fails to pay any Basic  Rent or
              ---------------------
Additional  Charges  within ten (10) days after the same become due and payable,
Tenant  shall  also pay to  Landlord  a late  payment  service  charge (to cover
Landlord's  administrative  and overhead  expenses of processing  late payments)
equal to the greater of Five  Hundred  ($500.00)  or Five  Percent  (5%) of such
unpaid sum. Such payment shall be deemed  liquidated  damages and not a penalty,
but shall not excuse the timely payment of Rent.  Acceptance of such late charge
by  Landlord  shall in no event  constitute  a waiver of Tenant's  default  with
respect to such overdue amount,  nor prevent Landlord from exercising any of the
other rights and remedies granted hereunder including the assessment of interest
under Section 3(c). NOTWITHSTANDING THE FOREGOING,  LANDLORD AGREES TO WAIVE THE
IMPOSITION  OF SUCH LATE  CHARGES ON THE FIRST TWO (2)  OCCASIONS  IN ANY TWELVE
(12) MONTH  PERIOD,  PROVIDED  THE OVERDUE  PAYMENT IS MADE WITHIN FIVE (5) DAYS
AFTER LANDLORD GIVES TENANT WRITTEN NOTICE THAT PAYMENT WAS NOT MADE WHEN DUE.

          (f) Right to Audit.  Within  ninety  (90) days  after  receipt  of the
              --------------
Operating Expenses  Statement,  Tenant shall have the right, at its expense,  to
inspect Landlord's Operating Expenses records relating to the Lease Year covered
by the Statement,  including the Statement  covering the Base Year,  except that
any inspection  that discloses  that Tenant's  Proportionate  Share of Operating
Expenses  has been  overstated  by more  than  seven  percent  (7%)  shall be at
Landlord's expense.  The inspection must be completed within thirty (30) days of
commencement.  Before conducting any inspection, Tenant must pay the full amount
of  Operating  Expenses  billed and there must not be an Event of Default of any
other Lease  provisions.  Tenant may review only those  records of Landlord that
are specifically related to Operating Expenses.  The audit shall be conducted in
a location IN THE NORTHERN VIRGINIA, WASHINGTON, D.C. METROPOLITAN AREA and at a
time  reasonably  determined  by Landlord.  If Landlord  unreasonably  delays in
allowing Tenant access to its records, the time periods provided herein shall be
extended to account for such unreasonable  delay.  Upon receipt thereof,  Tenant
will  deliver  to  Landlord  a copy of any  report  procured  as a result of the
inspection and all accompanying data. Tenant's  Proportionate Share of Operating
Expense Increases shall be appropriately adjusted based upon the results of such
audit.  Tenant will keep  confidential  any  information  gained through and the
result of any  inspection.  Tenant may not conduct an inspection more often than
once each Lease Year.  Tenant may audit  records  only with respect to the Lease
Year in question;  PROVIDED, HOWEVER, THAT TENANT SHALL HAVE A ONE (1) TIME ONLY
RIGHT TO AUDIT THE BASE YEAR..

     4.   Services and Utilities.
          ----------------------

          (a)  Types.   Throughout  the  Term,  Landlord  agrees  that,  without
               -----
additional charge except as set forth (i) in the pass-through provisions of this
Lease,  (ii) the Parking Rent provisions,  and (iii) as otherwise  expressly set
forth below, it will furnish to Tenant the following services:

                                       10
<PAGE>
               (1) Electricity for normal lighting purposes and the operation of
ordinary office equipment, in accordance with Section 6(b) hereof;

               (2) Adequate supplies for toilet rooms;

               (3) Normal and usual  cleaning and char services  after  business
hours  each day as more  fully  described  in  Exhibit  D  attached  hereto  and
                                               ----------
incorporated herein by reference thereto except on Saturdays,  Sundays and legal
holidays recognized for government employees by the United States Government;

               (4) Hot and cold running water in the bathrooms;

               (5) Air cooling/heating, when required, between the hours of 7:00
A.M. and 7:00 P.M.  Mondays  through Fridays and between 8:00 A.M. and 1:00 P.M.
on Saturdays,  except on legal holidays  recognized for government  employees by
the United States  Government.  Landlord shall provide Tenant upon request,  and
reserves  the right to  establish  and collect a charge for air  cooling/heating
utilized by Tenant  during  hours  and/or days other than those set forth above,
but  Landlord's  failure to  establish  and/or  collect such charge shall not be
deemed a waiver of Landlord's  right to include all costs for air cooling in the
computation of Operating  Expenses for purposes of Section 1(b)(8)  hereof.  Air
cooling/heating  shall be available at all other times subject to the payment by
Tenant to Landlord of a charge for air cooling/heating utilized by Tenant during
hours  and/or  days other than those set forth above in the amount of $35.00 per
hour per floor (which amount shall be increased  annually by the same percentage
of the increase in  electrical  charges),  but  Landlord's  failure to establish
and/or  collect such charge shall not be deemed a waiver of Landlord's  right to
include all costs for air cooling in the  computation of Operating  Expenses for
purposes of Section 1(b)(8) hereof;

               (6)  Automatically   operated   passenger  and  freight  elevator
service;

               (7)  All  electric  bulbs,  ballasts  and  fluorescent  tubes  in
standard light fixtures in the Leased Premises and the Common Areas;

               (8) Facilities for parking as specified herein;

               (9)  Seventy-seven  (77) keys and  security  access  cards to the
Leased Premises at no cost to Tenant, all additional keys at the cost of Tenant,
WHICH SUCH COST SHALL BE COMMERCIALLY REASONABLE;

               (10) Lamping of all Building  standard ceiling lighting  fixtures
in the Leased Premises;

               (11) An  electronic  card-key  building  access system which will
provide  Tenant  with  twenty-four  (24) hours per day,  seven (7) days per week
access to the Leased Premises and parking garage, provided, however, that Tenant
acknowledges  and agrees that repairs,  hazardous  conditions and  circumstances
beyond Landlord's  reasonable  control may prevent access to the Leased Premises
or parking garage from time to time;

               (12) A health club will be located in the concourse  level of the
Building,  including locker and shower  facilities and will be available for use
by Tenant and its employees  free of charge through the Term of the Lease AS THE
SAME MAY BE EXTENDED; and

               (13) Subject to the  provisions  contained in Section 24, initial
Building  directory signage strips,  elevator lobby signage on each floor of the
Leased  Premises  and  suite  entry  signage.   Tenant  shall  receive  Tenant's
Proportionate Share of the Building directory signage strips. The design,  size,
location and materials of such signage shall be in  accordance  with  Landlord's
standard Building signage package.

          (b) Access. Landlord shall have reasonable access UPON TWENTY-FOUR
              ------
(24)  HOURS  PRIOR  NOTICE TO TENANT (EXCEPT IN EMERGENCIES) to and reserves the
right  to  inspect,  erect,  use,  connect to, maintain and repair pipes, ducts,
conduits,  cables,  plumbing,  vents  and wires, and other facilities in, to and
through  the  Leased  Premises  as  and  to  the extent that Landlord may now or
hereafter  deem  to  be  necessary  or  appropriate for the proper operation and

                                       11
<PAGE>
maintenance  of  the Building (including the servicing of other occupants of the
Building)  and  the right at all times to transmit water, heat, air conditioning
and  electric  current through such pipes, conduits, cables, plumbing, vents and
wires  and  the  right  to  interrupt  the same in suspected emergencies without
eviction  of  Tenant or abatement of Rent.  All repairs and maintenance required
by  Landlord  pursuant  to  this  Section  4(b) shall be performed in a good and
workmanlike  manner  and  with  due  diligence  to  minimize  any  unreasonable
disruption  to  Tenant's  business.  NO WORK PERFORMED BY LANDLORD IN ACCORDANCE
WITH THIS SECTION SHALL RESULT IN A PERMANENT REDUCTION OF TENANT'S USABLE AREA.

          (c) Interruption in Services. Tenant agrees that Landlord shall not be
              ------------------------
liable to Tenant for its failure to furnish gas, electricity, telephone service,
water, HVAC or any other utility services or building services when such failure
is occasioned, in whole or in part, by repairs,  replacements,  or improvements,
by  any  strike,  lockout  or  other  labor  trouble,  by  inability  to  secure
electricity,  gas, water, telephone service or other utility at the Building, by
any accident, casualty or event arising from any cause whatsoever, including the
negligence  of  Landlord,  its  employees,   agents  and  contractors,  by  act,
negligence  or default of Tenant or any other person or entity,  or by any other
cause  including  bomb  scares,  and such  failures  shall  never be  deemed  to
constitute  an eviction or  disturbance  of Tenant's use and  possession  of the
Leased  Premises  or  relieve  Tenant  from the  obligation  of  paying  rent or
performing any of its obligations under this Lease. Furthermore,  subject to the
provisions  contained in the last sentence of this Section 4(c)  Landlord  shall
not be liable under any  circumstances for loss of property or for injury to, or
interference with, Tenant's business,  including,  without  limitation,  loss of
profits,  however  occurring,  through or in connection  with or incidental to a
failure to furnish any such  services  or  utilities.  Landlord  may comply with
voluntary controls or guidelines promulgated by any governmental entity relating
to the use or  conservation of energy,  water,  gas, light or electricity or the
reduction of automobile  or other  emissions  without  creating any liability of
Landlord  to Tenant  under this Lease.  Notwithstanding  the  foregoing,  if any
interruption  of  service  shall  continue  for more than  five (5)  consecutive
business  days and  shall  render  all or any  portion  of the  Leased  Premises
unusable or  inaccessible  for the normal conduct of Tenant's  business,  and if
Tenant does not in fact use or occupy such portion of the Leased Premises,  then
all Basic Rent and  Additional  Charges  payable  hereunder with respect to such
portion of the Leased Premises which Tenant does not occupy shall be abated from
the date of such  interruption  until  full use of such  portion  of the  Leased
Premises is restored to Tenant.  Nothing in the Lease shall be deemed to release
Landlord from liability for damages arising from the gross negligence or willful
misconduct of Landlord, or its employees, agents and contractors.

     5.   Maintenance and Repairs.
          -----------------------

          Subject  to  the   provisions  of  Section  8  below  and  subject  to
reimbursement by Tenant, where applicable,  in accordance with the provisions of
Sections  1(b)(8)  and 3 herein,  Landlord  agrees to  maintain  the  structural
portions  of the  Building  and  central  Building  mechanical,  electrical  and
plumbing systems, FIRE AND LIFE SAFETY SYSTEMS IN THE COMMON AREAS, RESTROOMS IN
THE COMMON AREAS,  the Common Areas,  and Building  standard items in the Leased
Premises but only those behind walls or at or above finished  ceilings,  in good
order and repair throughout the Term AND LANDLORD SHALL OTHERWISE MANAGE,  LEASE
AND OPERATE THE BUILDING IN A "FIRST-CLASS"  MANNER THROUGHOUT THE TERM. Tenant,
and  not  Landlord,   shall  be  responsible   for  (i)  maintaining  all  other
improvements to the Leased Premises  including Building standard items which are
not behind walls or at or above  finished  ceilings and any Special Items in the
Leased Premises, and (ii) SUBJECT TO SECTION 7(C) AND TO THE EXTENT SUCH REPAIRS
ARE NOT COVERED BY INSURANCE REQUIRED UNDER THIS LEASE, reimbursing Landlord for
the  full  cost of any  repairs  to the  Leased  Premises  or to any part of the
Building caused by the unreasonable  wear and tear by or negligence of Tenant or
its agent or  employees,  such  reimbursement  to be  collectible  as Additional
Charges  hereunder  WITHIN  THIRTY (30) DAYS AFTER DEMAND FROM  LANDLORD,  WHICH
DEMAND SHALL BE APPROPRIATELY  DOCUMENTED . Any contractors  performing  repairs
which are the  responsibility of Tenant hereunder must receive the prior written
approval  of  Landlord,  which  approval  shall  not be  unreasonably  withheld,
conditioned or delayed.

                                       12
<PAGE>
     6.   Use of Leased Premises.
          ----------------------

          (a) General  Offices.  Tenant shall use and occupy the Leased Premises
              ----------------
solely for general  office  purposes,  and shall not use or permit or suffer the
use of the Leased Premises for any other purpose whatsoever. Notwithstanding the
foregoing, Tenant shall be prohibited from using the Leased Premises for (i) the
business  of  providing  retail  banking  services,  and (ii) the  conduct  of a
mortgage banking business. Also, in any public announcement or other advertising
of Tenant making  reference to entering into this Lease,  Tenant shall also make
reference to "The Corporate Office Centre at Tysons II".

          (b) Covenants.  Throughout the Term,  Tenant  covenants and agrees to:
              ---------
(i) keep the  Leased  Premises  in a neat and clean  condition;  (ii) pay before
delinquency any and all taxes,  assessments and public charges levied,  assessed
or imposed upon Tenant's  business,  upon the leasehold  estate  created by this
Lease  or  upon  Tenant's  fixtures,  furnishings  or  equipment  in the  Leased
Premises; (iii) not use or permit or suffer the use of any portion of the Leased
Premises for any immoral or unlawful purpose, for any purpose which would injure
the  reputation  of the  Building,  or in any manner which might be hazardous or
might jeopardize  Landlord's insurance coverage or increase Landlord's insurance
premium;  (iv) not use the plumbing  facilities  for any purpose other than that
for which they were constructed,  or dispose of any foreign substances  therein;
(v) not place a load on any floor exceeding the floor load per square foot which
such floor was designed to carry in accordance with the plans and specifications
of the Building, and not install, operate or maintain in the Leased Premises any
heavy  item  of  equipment  except  in  such  manner  as  to  achieve  a  proper
distribution of weight; (vi) not to strip, overload, damage or deface the Leased
Premises, the floors, or the hallways, stairways,  elevators, parking facilities
or  other  Common  Areas  of the  Building,  or the  fixtures  therein  or  used
therewith,  nor to permit  any hole to be made in any of the same;  (vii) not to
move any  furniture or equipment  into or out of the Leased  Premises  except at
such times and in such manner as Landlord may from time to time reasonably agree
to;  (viii) not to install or  operate in the Leased  Premises  any  electrical,
heating and cooling, or refrigeration equipment, computer equipment,  electronic
data processing equipment, punch card machines or other equipment using electric
current in excess of standard  voltage or  amperage,  or in excess of that to be
provided by Landlord  pursuant to this Section 6(b),  or requiring  non-standard
electrical  wiring  outlets,  circuits  or panels  (other than  ordinary  office
equipment  such as  electric  typewriters,  adding  machines,  MICROWAVE  OVENS,
REFRIGERATORS,  television  sets,  video and telephone  conferencing  equipment,
computers and peripheral equipment,  telecopiers,  photocopiers,  radios, clocks
and lamps),  without first  obtaining the written  consent of Landlord,  who may
condition  such consent upon  Tenant's  agreement to make direct  payment to the
local  utility  company  or the  payment  by Tenant of an  Additional  Charge to
Landlord,  for Tenant's excessive consumption of electricity and for the cost of
additional  wiring or metering  which may be required for the  operation of such
equipment and machinery;  (ix) not to install any other equipment of any kind or
nature which will or may overheat, exceed the capacity, or otherwise necessitate
any repairs, changes,  replacements or additions to, or in the use of, the water
system,  heating system,  plumbing system, air conditioning system or electrical
system of the Leased  Premises or the  Building,  without  first  obtaining  the
written  consent of Landlord  (provided  that Tenant,  at Tenant's sole cost and
expense,  may install such supplemental heating and cooling and other systems as
may be required to correct or avoid such  problems.  Any work  described  herein
shall be done in accordance with the provisions of Section 22 of the Lease;  and
(x) at all times to comply with the Requirements.  Throughout the Term, Landlord
agrees that it will make available to Tenant five (5) watts per rentable  square
foot connected load of the Leased  Premises of electric  current for convenience
outlets which such five (5) watts  connected load shall be exclusive of lighting
and Landlord's Building heating/air conditioning and ventilation services.

          (c)  Compliance.  Tenant will not use or occupy the Leased Premises in
               ----------
violation  of  any  Requirement.   If  any  governmental  authority,  after  the
commencement of the Term,  shall contend or declare that the Leased Premises are
being used for a purpose which is in violation of any  Requirement,  then Tenant
shall, immediately upon demand from Landlord, discontinue such use of the Leased
Premises.  If thereafter  the  governmental  authority  asserting such violation
threatens, commences or continues criminal or civil proceedings against Landlord
for Tenant's failure to discontinue such use, in addition to any and all rights,
privileges and remedies given to Landlord under this Lease for default  therein,
Landlord  shall have the right to terminate this Lease  forthwith.  Tenant shall
indemnify and hold  Landlord  harmless of and from any and all liability for any
such violation or violations.

                                       13
<PAGE>
          (d) Rules and  Regulations.  Tenant and its agents and employees shall
              ---------------------
comply  with  and  observe  all  rules  and  regulations   concerning  the  use,
management,  operation,  safety and good order of the  Leased  Premises  and the
Building  which may from time to time  hereafter  be  promulgated  by  Landlord.
Initial  rules and  regulations,  which  shall be  effective  until  amended  by
Landlord,  are  attached  hereto as  Exhibit E.  Tenant  shall be deemed to have
                                     ---------
received  notice of any  amendment to the rules and  regulations  when a copy of
such amendment has been  delivered to Tenant at the Leased  Premises or has been
mailed to Tenant in the  manner  prescribed  for the giving of  notices.  Tenant
shall comply with all fire protective  rules and regulations  promulgated by the
Landlord  for the safety of the  Building  and its  occupants,  including  rules
prescribing  certain types of materials and prohibiting other types of materials
in the Building.  Landlord  shall not be responsible to Tenant for any violation
of the rules and  regulations,  or the covenants or agreements  contained in any
other lease,  by any other tenant of the  Building,  or its agents or employees,
and Landlord may waive any or all of the rules or  regulations in respect of any
one or more  tenants  for good cause so long as such rules and  regulations  are
otherwise  non-discriminatorily  enforced,  and  such  waiver  does  not  change
Tenant's   obligations  or  rights  under  this  Lease.  IN  THE  EVENT  OF  ANY
INCONSISTENCY BETWEEN ANY PROVISION OF THIS LEASE AND THE RULES AND REGULATIONS,
THE APPLICABLE LEASE PROVISION SHALL CONTROL.

     7.   Insurance.
          ---------

          (a) Tenant

               (1) Types;  Limits.  Tenant,  at Tenant's  sole cost and expense,
                   --------------
shall  obtain and  maintain in effect at all times  during the Term, a policy of
commercial   general  liability   insurance  with  broad  form  property  damage
endorsement, naming Landlord, Tysons II Land Company, L.L.C., Lerner Enterprises
Limited  Partnership,  Lerner  Corporation,  and  (at  Landlord's  request)  any
mortgagee of the Building, any ground landlord and any other agent as additional
named  insured(s),  protecting  such parties  against any  liability  for bodily
injury,  death or  property  damage  caused  by  Tenant  or  Tenant's  agents or
employees  occurring  upon,  in or about any part of the  Building,  the  Leased
Premises or any Common Areas thereto, with such policies to afford protection to
the limit of not less than Two  Million  Dollars  ($2,000,000)  with  respect to
bodily  injury  or death to any one  person,  to the  limit of not less than Two
Million  Dollars  ($2,000,000)  with  respect  to bodily  injury or death to any
number or  persons  in any one  accident,  and to the limit of not less than Two
Million Dollars  ($2,000,000)  with respect to damage to the property of any one
owner,  and with a deductible no greater than One Thousand  Dollars  ($1,000.00)
for any single occurrence.

               (2)  Policies.  The insurance  policy  required to be obtained by
                    --------
Tenant  under  this  Lease  (i)  shall be  issued  by an  insurance  company  of
recognized  responsibility  licensed to do business in the jurisdiction in which
the Building is located,  and (ii) shall be written as primary  policy  coverage
and not contributing with or in excess of any coverage which Landlord may carry.
Neither the issuance of any insurance  policy required under this Lease, nor the
minimum limits  specified  herein with respect to Tenant's  insurance  coverage,
shall be deemed to limit or restrict in any way Tenant's liability arising under
or out of this  Lease.  With  respect to each  insurance  policy  required to be
obtained by Tenant under this Section, on or before the Lease Commencement Date,
and at least thirty (30) days before the  expiration  of any expiring  policy or
certificate previously furnished, Tenant shall deliver to Landlord a certificate
of  insurance  therefor,  together  with  evidence of payment of all  applicable
premiums. Each insurance policy required to be carried hereunder by or on behalf
of Tenant shall provide (and any  certificate  evidencing  the existence of each
such insurance  policy shall  certify) that such  insurance  policy shall not be
canceled  unless  Landlord  shall have received  thirty (30) days' prior written
notice of such cancellation.

                                       14
<PAGE>
               (3)  Prohibitions.  Tenant  shall not do,  permit or suffer to be
                    ------------
done any act, matter,  thing or failure to act in respect of the Leased Premises
and/or the  Building  that will  invalidate  or be in  conflict  with  insurance
policies covering the Building or any part thereof,  and shall not do, or permit
anything to be done,  in or upon the Leased  Premises  and/or the  Building,  or
bring or keep anything therein, which shall increase the rate of insurance on or
related to the Building or on any property located therein. If, by reason of the
failure  of  Tenant  to  comply  with the  provisions  of this  subsection,  the
insurance  rate shall at any time be higher  than it  otherwise  would be,  then
Tenant shall reimburse Landlord on demand, for that part of all premiums for any
insurance  coverage  that shall have been charged  because of such  violation by
Tenant and which  Landlord shall have paid on account of an increase in the rate
or rates in its own policies of insurance.

               (4) Hold Harmless; Indemnification; Waiver of Subrogation. Tenant
                   -----------------------------------------------------
hereby agrees to indemnify and hold harmless  Landlord,  Tysons II Land Company,
L.L.C., Lerner Enterprises Limited Partnership,  Lerner Corporation,  Landlord's
employees,  agents,  mortgagees  and ground lessors  (collectively,  "Landlord's
Indemnities")  from and against any and all claims,  losses,  actions,  damages,
liabilities and expenses (including  attorneys' fees)  (collectively,  "Claims")
that  (i)  arise  from  or are in  connection  with  Tenant's  possession,  use,
occupation, management, repair, maintenance or control of the Leased Premises or
the Building,  or any portion  thereof,  or (ii) arise from or are in connection
with any act or omission of Tenant or Tenant's  agents,  or employees,  or (iii)
result from any default,  breach,  violation or non-performance of this Lease or
any provision  herein by Tenant,  or (iv) result from injury or death to persons
or damage to  property  sustained  in or about the  Leased  Premises;  provided,
however, Tenant shall not be required to indemnify any of Landlord's Indemnities
from any Claims arising from the gross  negligence or willful  misconduct of any
of such  Landlord's  Indemnities.  Tenant  shall,  at its own cost and  expense,
defend any and all actions,  suits and proceedings  which may be brought against
the  aforesaid  parties with respect to the  foregoing or in which the aforesaid
parties may be  impleaded.  Tenant shall pay,  satisfy and discharge any and all
judgments,  orders and decrees  which may be  recovered  against  the  aforesaid
parties in connection  with the  foregoing.  The aforesaid  parties shall not be
liable or responsible for, and Tenant hereby releases the aforesaid parties from
all liability or  responsibility to Tenant or any person claiming by, through or
under Tenant, by way of subrogation or otherwise,  any injury, loss or damage to
any  property  in  or  around  the  Leased  Premises  or  to  Tenant's  business
irrespective of the cause of such injury,  loss or damage,  except to the extent
caused by the gross  negligence  or  intentional  wrongful  acts of  Landlord or
Landlord's employees,  agents, officers,  members, managers or contractors,  and
Tenant  shall  require its  insurer(s)  to include in all of Tenant's  insurance
policies which could give rise to a right of  subrogation  against the aforesaid
parties a clause or endorsement whereby the insurer(s) shall waive any rights of
subrogation  against the aforesaid parties as well as other tenants or occupants
of the Building. Tenant hereby makes such waiver on behalf of its insurer, which
insurer, by insuring Tenant as contemplated under this Lease, shall be deemed to
have  acknowledged  the  provisions  hereof.  UNLESS CAUSED BY THE NEGLIGENCE OR
WILLFUL  MISCONDUCT  OF TENANT OR ITS AGENTS,  EMPLOYEES OR  INVITEES,  LANDLORD
HEREBY AGREES TO INDEMNIFY AND HOLD  HARMLESS  TENANT AND ITS AGENTS,  OFFICERS,
EMPLOYEES  AND BUSINESS  INVITEES  FROM AND AGAINST ANY AND ALL CLAIMS,  LOSSES,
ACTIONS,  DAMAGES,  LIABILITIES  AND EXPENSES  (INCLUDING,  WITHOUT  LIMITATION,
ATTORNEYS'  FEES)  THAT (I)  ARISE  FROM OR ARE IN  CONNECTION  WITH  LANDLORD'S
POSSESSION, USE, OCCUPATION,  MANAGEMENT,  REPAIR, MAINTENANCE OR CONTROL OF THE
BUILDING,  THE COMMON AREAS, THE PARKING AREAS, OR ANY PORTION THEREOF,  OR (II)
ARISE  FROM  OR ARE IN  CONNECTION  WITH  ANY ACT OR  OMISSION  OF  LANDLORD  OR
LANDLORD'S AGENTS, CONTRACTORS,  EMPLOYEES OR INVITEES, OR (III) RESULT FROM ANY
DEFAULT,  BREACH,  VIOLATION OR  NON-PERFORMANCE  OF THIS LEASE OR ANY PROVISION
HEREIN BY LANDLORD, OR (IV) RESULT FROM ANY INJURY OR DEATH TO PERSONS OR DAMAGE
TO PROPERTY  SUSTAINED IN OR ABOUT THE COMMON  AREAS,  THE PARKING  AREAS OR THE
DEMISED  PREMISES OF OTHER TENANTS.  THE SCOPE OF THE FOREGOING  INDEMNIFICATION
OBLIGATION SHALL BE SUBJECT TO THE TERMS AND CONDITIONS  APPLICABLE TO TENANT IN
THE SECOND AND THIRD SENTENCES OF THIS SUBSECTION.

               (5) Coverage. Landlord makes no representation to Tenant that the
                   --------
limits or forms of coverage specified above or approved by Landlord are adequate
to insure Tenant's  property or Tenant's  obligations  under this Lease, and the
limits of any insurance  carried by Tenant shall not limit Tenant's  obligations
or liability under any indemnity  provision  included in this Lease or under any
other provision of this Lease.

          (b)  Landlord.  Landlord  shall  obtain  and keep in force a policy of
               --------
comprehensive  general liability  insurance with coverage against such risks and
in such amounts as Landlord deems reasonably advisable insuring Landlord against
liability arising out of the ownership, operation and management of the

                                       15
<PAGE>
Building.  Landlord  shall also obtain and keep in force during the Term of this
Lease  a  policy  or policies of "all risk" insurance covering loss or damage to
the  Building in the amount of not less than  the full replacement cost thereof,
as  determined  by Landlord from time to time.  The terms and conditions of said
policies  and  the  perils  and  risks  covered  thereby  shall be determined by
Landlord,  from  time to time, in Landlord's sole but reasonable discretion.  In
addition,  at Landlord's option, Landlord shall obtain and keep in force, during
the  Term  of  this  Lease, a policy of rental interruption insurance, with loss
payable to Landlord, which insurance shall, at Landlord's option, also cover all
Operating  Expenses.  Tenant  will  not be named as an additional insured in any
insurance  policies  carried by Landlord and shall have no right to any proceeds
therefrom.  At Landlord's option, Landlord may obtain insurance coverages and/or
bonds  related  to  the  operation  of the parking areas.  In addition, Landlord
shall  have  the  right  to  obtain  such additional insurance as is customarily
carried  by  owners  or  operators  of  other comparable office buildings in the
geographical area of the Building.  The policies purchased by the Landlord shall
contain  such  deductibles  as  Landlord  may determine.  In addition to amounts
payable  by  Tenant  in  accordance  with  Section 1(b)(9), Tenant shall pay any
increase  in  the  property  insurance  premiums  for the Building over what was
payable  immediately  prior  to  the  increase  to  the  extent  the increase is
specified  by  Landlord's  insurance  carrier  as being  caused by the nature of
Tenant's  occupancy of the Leased Premises, or any act or omission of Tenant, or
Tenant  shall  cease  the  activity  giving  rise  to  such  increase.

          (c)  Waiver of  Subrogation.  Landlord  waives  any and all  rights or
               ----------------------
recovery  against Tenant for or arising out of damage to, or destruction of, the
Building.  Landlord shall require its insurer(s) to include in all of Landlord's
insurance  policies which could give rise to a right of subrogation  against the
aforesaid parties a clause or endorsement whereby the insurer(s) shall waive any
rights  of  subrogation  against  the  aforesaid  as well as  other  tenants  or
occupants of the  Building.  Landlord  hereby makes such waiver on behalf of its
insurer,  which insurer,  by insuring Landlord as contemplated under this Lease,
shall be deemed to have acknowledged the provisions  hereof.  Neither Landlord's
nor Tenant's  waiver shall  relieve the other from  liability  under  Section 18
below  except to the extent such  waiving  party's  insurance  company  actually
satisfies the other party's  obligations under Section 18 in accordance with the
requirements of Section 18.

     8.   Damage by Fire or Other Casualty.
          --------------------------------

          Tenant  shall give  prompt  notice to  Landlord in case of any fire or
other damage to the Leased Premises.  If the Leased Premises or the Building are
damaged by fire or other  casualty,  Landlord  shall  diligently  and as soon as
practicable  after such damage occurs (taking into account the time necessary to
effectuate a satisfactory  settlement with Landlord's  insurance company) repair
such damage at its own expense,  and until such repairs have been  completed the
Basic Rent and  Additional  Charges shall be abated in proportion to the part of
the Leased  Premises which is rendered  untenantable or unusable in the ordinary
course of Tenant's  business (in no event shall  damage to any parking  areas be
deemed to render  the  Leased  Premises  untenantable).  However,  if  available
insurance  proceeds are  insufficient  or if the Leased Premises or the Building
are damaged by fire or other  casualty  to such an extent  that the  damage,  in
Landlord's  reasonable  opinion,  cannot be fully  repaired  within one  hundred
eighty  (180) days from the date such  damage  occurs,  Landlord  shall have the
right, in its sole and absolute  discretion,  to terminate this Lease.  Landlord
shall use reasonable  efforts within sixty (60) days (but in no event later than
ninety  (90)  days)  after the  occurrence  of such  damage to notify  Tenant in
writing  of the  estimated  length of time to repair or to rebuild  and  whether
Landlord shall terminate this Lease.  Notwithstanding the foregoing, if Landlord
shall  elect or be  obligated  to rebuild or repair the Leased  Premises  or the
Building,  but in good faith determines that the Leased Premises or the Building
cannot be rebuilt or  repaired  within two hundred ten (210) days after the date
of the occurrence of the damage,  without payment of overtime or other premiums,
and the  damage to the  Building  has  rendered  the Leased  Premises  wholly or
partially  unusable or  inaccessible,  Landlord  shall notify Tenant  thereof in
writing at the time of Landlord's election to rebuild or repair and Tenant shall
thereafter  have a period of fifteen (15)  business days within which Tenant may
elect to  terminate  this Lease,  upon written  notice to  Landlord.  Failure of
Tenant to exercise  said  election  within said fifteen (15) business day period
shall  constitute  Tenant's  agreement to accept delivery of the Leased Premises
under this Lease whenever tendered by Landlord, provided Landlord thereafter

                                       16
<PAGE>
pursues  reconstruction  or  restoration  diligently  to  completion, subject to
delays  beyond Landlord's reasonable control.  Notwithstanding the foregoing, if
the  fire  or other casualty shall be caused by the  GROSS negligence or WILLFUL
MISCONDUCT  of Tenant or its agents or employees, Tenant shall remain liable for
the  full  amount  of the Basic Rent and Additional Charges during the period of
restoration  or  until termination of this Lease, and all required repairs shall
be  made  at  Tenant's  expense  to  the  extent  not  covered  by  insurance.

     9.   Condemnation.
          ------------

          If  a  substantial   portion  of  the  Leased  Premises,   or  all  or
substantially all of the Building (or the use or possession  thereof),  shall be
taken in condemnation proceedings or by exercise of any right of eminent domain,
or by a private  purchase in lieu thereof,  then this Lease shall  terminate and
expire on the date of such taking or  purchase  and Tenant  shall,  in all other
respects,  keep,  observe  and  perform  all  the  other  terms,  covenants  and
conditions of this Lease up to the date of such taking.  The net proceeds of any
award or other  compensation  payable in connection with such taking or purchase
shall be paid to  Landlord,  and Tenant  hereby  assigns to Landlord  all of its
right, title and interest in and to such award or other  compensation  except to
the extent it is related to Tenant's personal property,  to improvements made to
the Leased Premises or to Tenant's moving  expenses or other  relocation  costs.
Tenant shall have no claim  against  Landlord for the value (if any) of personal
property in the Leased Premises or the unexpired Term.  Tenant shall be entitled
to any  separate  award  for loss of or damage to  Tenant's  removable  personal
property and for moving expenses.

     10.  Assignment and Subletting.
          -------------------------

          (a) Landlord's  Consent  Required.  Tenant shall not voluntarily or by
              -----------------------------
operation of law assign, transfer,  hypothecate,  mortgage, sublet, or otherwise
transfer  or encumber  all or any part of Tenant's  interest in this Lease or in
the Leased Premises (hereinafter collectively a "Transfer"),  without Landlord's
prior written consent,  which shall not be unreasonably delayed,  conditioned or
withheld.  Landlord  shall  respond to  Tenant's  written  request  for  consent
hereunder  within  twenty  (20) days after  Landlord's  receipt  of the  written
request from Tenant.  Any attempted  Transfer without such consent shall be void
and shall  constitute  a material  default  and breach of this  Lease.  Tenant's
written request for Landlord's consent shall include, and Landlord's twenty (20)
day  response  period  referred  to above shall not  commence,  unless and until
Landlord  has  received  from  Tenant,  all of the  following  information:  (i)
financial  statements for the proposed  assignee or subtenant for the past three
(3) years, if available,  (ii) federal tax returns for the proposed  assignee or
subtenant for the past three (3) years, if available,  (iii) a TRW credit report
or  similar  report on the  proposed  assignee  or  subtenant,  (iv) a  detailed
description of the business the assignee or subtenant  intends to operate at the
Leased Premises,  (v) the proposed effective date of the assignment or sublease,
(vi) a copy of the proposed sublease or assignment  agreement which includes all
of the terms and  conditions  of the proposed  assignment  or sublease,  (vii) a
detailed description of any ownership or commercial  relationship between Tenant
and the proposed assignee or subtenant, and (viii) a detailed description of any
Alterations the proposed  assignee or subtenant desires to initially make to the
Leased Premises.  If the obligations of the proposed  assignee or subtenant will
be guaranteed  by any person or entity,  Tenant's  written  request shall not be
considered  complete until the  information  described in (i), (ii) and (iii) of
the previous sentence has been provided with respect to each proposed guarantor.
"Transfer" shall also include the transfer (i) if Tenant is a corporation, other
than a professional corporation,  and Tenant's stock is not publicly traded over
a recognized securities exchange, of more than fifty percent (50%) of the voting
stock of such  corporation  during the Term of this Lease (whether or not in one
or more transfers) or the dissolution, merger or liquidation of the corporation,
or (ii) if Tenant is a  partnership  or other entity of more than fifty  percent
(50%) of the profit and loss  participation in such partnership or entity during
the  Term  of  this  Lease  (whether  or not in one or  more  transfers)  or the
dissolution,  merger or liquidation of the partnership or entity. If Tenant is a
limited  or  general  partnership  (or is  comprised  of two  or  more  persons,
individually  or as  co-partners),  Tenant  shall not be  entitled  to change or
convert to (i) a limited liability company, (ii) a limited liability partnership
or (iii) any  other  entity  which  possesses  the  characteristics  of  limited
liability without the prior written consent of Landlord, which consent shall not
be unreasonably withheld, it being deemed reasonable for Landlord to withhold

                                       17
<PAGE>
its  consent to any such conversion if in Landlord's determination the financial
condition  of  the  new  entity is such that it will not reasonably be likely to
fulfill  the  Tenant's  remaining  obligations  under  the Lease.  Tenant's sole
remedy  in  the  event  that  Landlord  shall  wrongfully withhold consent to or
disapprove any assignment or sublease shall be (i) to obtain an order by a court
of  competent  jurisdiction  that Landlord grant such consent, or (ii) to submit
such  dispute  to  arbitration  as provided below; in no event shall Landlord be
liable  for  damages  with respect to its granting or withholding consent to any
proposed  assignment  or  sublease.  Tenant  shall  have  the  right to submit a
dispute  relating to whether Landlord shall have been reasonable in withholding,
conditioning or delaying its consent to any proposed assignment or subleasing by
Tenant  (an  "Assignment/Subletting  Dispute")  to binding expedited arbitration
              ------------------------------
under  the  Commercial  Arbitration  Rules  (the "AAA Rules") of the AAA, and in
particular,  the  Expedited  Procedures  provisions  (Rules 53 through 57 in the
January  1,  1993  edition)  of  such Commercial Arbitration Rules.  If Landlord
shall  exercise  any  option  to  recapture the Leased Premises, or shall deny a
request  for  consent  to  a  proposed  assignment  or  sublease,  Tenant  shall
indemnify,  defend  and  hold  Landlord  harmless  from  and against any and all
losses, liabilities, damages, costs and claims that may be made against Landlord
by  the  proposed  assignee  or  subtenant,  or  by any brokers or other persons
claiming  a  commission  or similar compensation in connection with the proposed
assignment  or  sublease.

          (b) Leveraged Buy-Out.  The involvement by Tenant or its assets in any
              -----------------
transaction,  or series of transactions  (by way of merger,  sale,  acquisition,
financing, refinancing, transfer, leveraged buy-out or otherwise) whether or not
a formal  assignment or  hypothecation  of this Lease or Tenant's assets occurs,
which  results or will  result in a  reduction  of the "Net  Worth" of Tenant as
hereinafter  defined,  by an amount equal to or greater than twenty-five percent
(25%) of such Net Worth of Tenant as it is  represented  to Landlord at the time
of the execution by Landlord of this Lease, or as it exists immediately prior to
said transaction or transactions  constituting such reduction, at whichever time
said Net  Worth of  Tenant  was or is  greater,  shall  be  considered  to be an
assignment of this Lease by Tenant to which Landlord may reasonably withhold its
consent.  "Net Worth" of Tenant for  purposes of this  Section 9(b) shall be the
net worth of Tenant  (excluding  any  guarantors)  established  under  generally
accepted accounting principles consistently applied.

          (c) Standard For Approval.  Landlord shall not  unreasonably  withhold
              ---------------------
its consent to a Transfer  provided that Tenant has complied with each and every
requirement,  term and  condition of this Section 10.  Tenant  acknowledges  and
agrees  that  each  requirement,  term and  condition  in this  Section  10 is a
reasonable  requirement,  term or condition.  It shall be deemed  reasonable for
Landlord to  withhold  its  consent to a Transfer  if any  requirement,  term or
condition  of this Section 10 is not  complied  with or: (i) the Transfer  would
cause  Landlord to be in violation of its  obligations  under  another  lease or
agreement to which Landlord is a party; (ii) in Landlord's  reasonable judgment,
a proposed  assignee  has a smaller  net worth than  Tenant had on the date this
Lease was entered into with Tenant or is less able  financially to pay the rents
due under  this  Lease as and when they are due and  payable;  (iii) a  proposed
assignee's or  subtenant's  business will impose an  unreasonable  burden on the
Building's  parking  facilities,  elevators,  Common Areas or utilities  that is
greater than the burden imposed by Tenant,  in Landlord's  reasonable  judgment;
(iv) the terms of a proposed  assignment or  subletting  will allow the proposed
assignee or subtenant to exercise a right of renewal, right of expansion,  right
of first offer,  right of first refusal or similar  right held by Tenant;  (v) a
proposed  assignee  or  subtenant  refuses  to enter  into a written  assignment
agreement or sublease,  reasonably satisfactory to Landlord, which provides that
it will abide by and assume all of the  applicable  terms and conditions of this
Lease for the term of any assignment or sublease and containing such other terms
and  conditions  as Landlord  reasonably  deems  necessary;  (vi) the use of the
Leased  Premises by the proposed  assignee or subtenant  will not be for the use
permitted by this Lease; (vii) any guarantor of this Lease refuses to consent to
the Transfer or to execute a written agreement reaffirming the guaranty;  (viii)
Tenant is in default as defined in Section 11 at the time of the  request;  (ix)
if  requested  by  Landlord,  the  assignee  or  subtenant  refuses  to  sign  a
non-disturbance  and attornment  agreement in favor of Landlord's lender in form
and substance  substantially  similar to that signed by Tenant; (x) Landlord has
sued or been sued by the proposed  assignee or subtenant or has  otherwise  been
involved in a legal dispute with the proposed assignee or subtenant; (xi) the

                                       18
<PAGE>
assignee or subtenant is involved in a business which is not in keeping with the
then current standards of the Building; (xii) the proposed assignee or subtenant
is  an  existing  tenant of the Building which Landlord has the capacity to, and
desires  to,  expand  or  relocate in the Building or is a person or entity then
negotiating  with  Landlord  for  the lease of space in the Building; (xiii) the
assignment  or  sublease  will  result  in  the Leased Premises being used as an
executive  suite;  or  (xiv)  the  assignee  or  subtenant  is a governmental or
quasi-governmental  entity  or  an  agency,  department  or instrumentality of a
governmental  or  quasi-governmental  agency.

          (d)  Additional   Terms  and  Conditions.   The  following  terms  and
               -----------------------------------
conditions shall be applicable to any Transfer:

               (1) Regardless of Landlord's  consent,  no Transfer shall release
Tenant from  Tenant's  obligations  hereunder or alter the primary  liability of
Tenant to pay the rent and other sums due Landlord  hereunder and to perform all
other  obligations to be performed by Tenant  hereunder or release any guarantor
from its obligations under its guaranty.

               (2)  Landlord  may accept rent from any person  other than Tenant
pending approval or disapproval of an assignment or subletting.

               (3) Neither a delay in the approval or disapproval of a Transfer,
nor the acceptance of rent,  shall constitute a waiver or estoppel of Landlord's
right to exercise  its rights and remedies for the breach of any of the terms or
conditions of this Section 10.

               (4) The consent by Landlord to any Transfer  shall not constitute
a  consent  to  any  subsequent  Transfer  by  Tenant  or to any  subsequent  or
successive Transfer by an assignee or subtenant.  However,  Landlord may consent
to subsequent  Transfers or any  amendments  or  modifications  thereto  without
notifying Tenant or anyone else liable on the Lease and without  obtaining their
consent,  and such action shall not relieve such  persons from  liability  under
this Lease.

               (5) In the event of any default  under this Lease,  Landlord  may
proceed directly  against Tenant,  any guarantors or anyone else responsible for
the  performance  of this Lease,  including any  subtenant or assignee,  without
first  exhausting  Landlord's  remedies  against  any  other  person  or  entity
responsible therefor to Landlord, or any security held by Landlord.

               (6)  Landlord's  written  consent to any Transfer by Tenant shall
not  constitute an  acknowledgment  that no default then exists under this Lease
nor shall such consent be deemed a waiver of any then existing default.

               (7) The discovery of the fact that any financial statement relied
upon by Landlord in giving its consent to an assignment  or  subletting  was, to
Tenant's  actual  knowledge,  materially  false shall,  at Landlord's  election,
render Landlord's consent null and void.

               (8)  Landlord  shall not be liable to any  subtenant  under  this
Lease or under any sublease.

               (9) No assignment or sublease may be modified or amended  without
Landlord's prior written consent, such consent not to be unreasonably  withheld,
conditioned or delayed.

               (10) The  occurrence of a transaction  described in Section 10(b)
shall give  Landlord the right (but not the  obligation)  to require that Tenant
immediately  provide  Landlord with an additional  Security Deposit in an amount
reasonably determined by Landlord to protect Landlord's interests hereunder, and
Landlord may make its receipt of such amount a condition to  Landlord's  consent
to such transaction.

               (11) Any assignee of, or subtenant  under,  this Lease shall,  by
reason of accepting such assignment or entering into such sublease (with respect
to the sublet space),  be deemed,  for the benefit of Landlord,  to have assumed
and

                                       19
<PAGE>
agreed  to  conform and comply with each and every term, covenant, condition and
obligation  herein to be observed or performed by Tenant during the term of said
assignment  or  sublease,  other  than  such  obligations  as  are  contrary  or
inconsistent  with provisions of an assignment or sublease to which Landlord has
specifically  consented  in  writing.

          (e)  Additional  Terms and Conditions  Applicable to  Subletting.  The
               -----------------------------------------------------------
following terms and conditions shall apply to any subletting by Tenant of all or
any part of the Leased  Premises and shall be deemed  included in all  subleases
under this Lease whether or not expressly incorporated therein:

               (1) Tenant  hereby  absolutely  and  unconditionally  assigns and
transfers to Landlord all of Tenant's interest in all rentals and income arising
from any sublease entered into by Tenant, and Landlord may collect such rent and
income and apply same toward Tenant's  obligations  under this Lease;  provided,
however, that until an Event of Default shall occur under this Lease, Tenant may
receive,  collect and enjoy the rents  accruing  under such  sublease.  Landlord
shall not, by reason of this or any other  assignment  of such rents to Landlord
nor by reason of the collection of the rents from a subtenant, be deemed to have
assumed or  recognized  any  sublease or to be liable to the  subtenant  for any
failure of Tenant to perform and comply with any of Tenant's obligations to such
subtenant  under  such  sublease,   including,  but  not  limited  to,  Tenant's
obligation to return any Security Deposit.  Tenant hereby irrevocably authorizes
and directs any such  subtenant,  upon receipt of a written notice from Landlord
stating that an Event of Default exists under this Lease, to pay to Landlord the
rents due as they  become  due  under  the  sublease.  Tenant  agrees  that such
subtenant  shall have the right to rely upon any such statement and request from
Landlord,  and that such subtenant shall pay such rents to Landlord  without any
obligation  or  right  to  inquire  as  to  whether  such  default   exists  and
notwithstanding any notice from or claim from Tenant to the contrary.

               (2) In the event  Tenant  shall  default  beyond  any  applicable
notice and cure periods in the performance of its obligations  under this Lease,
Landlord  at its option and  without  any  obligation  to do so, may require any
subtenant to attorn to Landlord,  in which event  Landlord  shall  undertake the
obligations  of Tenant under such sublease from the time of the exercise of said
option to the termination of such sublease;  provided,  however,  Landlord shall
not be liable for any prepaid rents or Security  Deposit paid by such  subtenant
to Tenant not  delivered  to Landlord or for any other prior  defaults of Tenant
under such sublease.

     (f)     Transfer  Premium from Assignment or Subletting.  Landlord shall be
             -----------------------------------------------
entitled  to  receive from Tenant (as and when received by Tenant) as an item of
additional  rent  fifty percent (50%) of all amounts received by Tenant from any
subtenant  or  assignee  in  excess of the amounts payable by Tenant to Landlord
hereunder  (hereinafter  the  "Transfer  Premium").  Landlord shall not have the
right  to  receive the Transfer Premium in the event of a sublease or assignment
to  a  Permitted  Transferee,  as defined in Section 10(i) AND PROVIDED FURTHER,
THAT  LANDLORD  SHALL  NOT HAVE THE RIGHT TO RECEIVE THE TRANSFER PREMIUM IN THE
EVENT  OF  A  SUBLEASE  OF  LESS  THAN  TWENTY-FIVE  PERCENT (25%) OF THE LEASED
PREMISES  FOR  FURNISHED  OFFICE  SPACE TO A SUBTENANT THAT RECEIVES SECRETARIAL
SUPPORT  SERVICES  FROM  TENANT  AS  PART OF THE SUBLEASE AGREEMENT (HEREINAFTER
REFERRED  TO  AS A "PERMITTED SUBLEASE").  The Transfer Premium shall be reduced
by  the  reasonable  and  customary  costs  incurred  by  Tenant  to effect such
assignment  or  subletting,  to  include  brokerage fees and commissions, tenant
improvement  costs,  marketing  costs, tenant allowances and legal fees actually
paid by Tenant in order to assign the Lease or to sublet a portion of the Leased
Premises.  For  purposes  of calculating the Transfer Premium, all expenses will
be  amortized  over the life of such sublease. "Transfer Premium" shall mean all
Basic  Rent,  Additional  Charges  or other consideration of any type whatsoever
payable  by the assignee or subtenant in excess of the Basic Rent and Additional
Charges  payable  by  Tenant  under  this Lease.  If less than all of the Leased
Premises  is  transferred,  the  Basic  Rent and the Additional Charges shall be
determined  on  a  per  rentable square foot basis.  Transfer Premium shall also
include,  but  not be limited to, key money and bonus money paid by the assignee
or  subtenant  to  Tenant  in  connection with such Transfer, and any payment in
excess  of  fair market value for services rendered by Tenant to the assignee or

                                       20
<PAGE>
subtenant  or  for  assets,  fixtures,  inventory,  equipment,  or  furniture
transferred  by  Tenant  to  the  assignee  or subtenant in connection with such
Transfer.  For  purposes  of  calculating the Transfer Premium, expenses will be
amortized  over  the  life  of  the  sublease.

          (g) Landlord's Option to Recapture Space.  Notwithstanding anything to
              ------------------------------------
the contrary  contained in this Section 10,  Landlord shall have the option,  by
giving  written  notice to Tenant  within  twenty (20) days after receipt of any
request by Tenant to either (i) assign this Lease to any person or entity  other
than a Permitted  Transferee,  or (ii) sublease space in the Leased  Premises to
any person or entity other than a Permitted Transferee,  to terminate this Lease
with  respect  to all but not less than all of said  space  effective  as of the
proposed  transfer  date but in no event  earlier  than  thirty  (30) days after
Landlord's  election;  PROVIDED,  HOWEVER,  THAT  TENANT  SHALL  HAVE  THREE (3)
BUSINESS  DAYS  FOLLOWING  NOTICE BY LANDLORD OF ITS ELECTION TO RECAPTURE  SAID
SPACE TO RESCIND ITS REQUEST TO ASSIGN OR SUBLEASE.  In the event of a recapture
by  Landlord,  if this Lease  shall be  canceled  with  respect to less than the
entire  Leased  Premises,  the  Tenant  shall be  released  from this Lease with
respect  to the space  recaptured  by  Landlord  (except  to the extent any such
obligations by their terms survive  termination of this Lease),  the Basic Rent,
Tenant's  Proportionate  Share of Operating  Expense increases and the number of
parking  spaces  Tenant may use shall be  adjusted on the basis of the number of
rentable  square feet retained by Tenant in proportion to the number of rentable
square feet  contained in the  original  Leased  Premises,  and this Lease as so
amended shall continue  thereafter in full force and effect with respect to that
portion of the Leased  Premises  retained by Tenant,  and upon request of either
party,  the parties  shall  execute  written  confirmation  of same. If Landlord
recaptures only a portion of the Leased  Premises,  it shall construct and erect
at its sole cost such  partitions  as may be  required  to demise  and sever the
space to be retained by Tenant from the space  recaptured by Landlord.  Landlord
may, at its option,  lease any recaptured  portion of the Leased Premises to the
proposed  subtenant  or  assignee  or to any  other  person  or  entity  without
liability to Tenant.  Tenant shall not be entitled to any portion of the profit,
if any,  Landlord  may  realize on account of such  termination  and  reletting.
Tenant acknowledges that the purpose of this Section 10(g) is to enable Landlord
to  receive  profit  in the form of  higher  rent or other  consideration  to be
received  from an assignee or  sublessee,  to give  Landlord the ability to meet
additional  space  requirements  of other  tenants of the Building and to permit
Landlord to control the leasing of space in the  Building.  Tenant  acknowledges
and  agrees  that  the  requirements  of this  Section  10(g)  are  commercially
reasonable  and are  consistent  with the  intentions  of  Landlord  and Tenant.
NOTWITHSTANDING THE FOREGOING,  LANDLORD'S RIGHT TO RECAPTURE SHALL NOT APPLY TO
ANY PERMITTED SUBLEASE AS THAT TERM IS DEFINED IN SECTION 10(F) HEREINABOVE.

          (h) Landlord's  Expenses.  In the event Tenant shall assign this Lease
              --------------------
or sublet the  Leased  Premises  or  request  the  consent  of  Landlord  to any
Transfer,  then  Tenant  shall pay  Landlord's  reasonable  costs  and  expenses
incurred in connection  therewith,  including,  but not limited to,  attorneys',
architects',  accountants', engineers' or other consultants' fees. SUCH EXPENSES
SHALL NOT EXCEED ONE THOUSAND FIVE HUNDRED AND NO/100  DOLLARS  ($1,500.00)  PER
TRANSFER OR REQUEST TO TRANSFER.

          (i) Permitted Transactions.  NOTWITHSTANDING  ANYTHING TO THE CONTRARY
              ----------------------
CONTAINED IN THIS SECTION 10,  TENANT SHALL HAVE THE RIGHT,  WITHOUT  LANDLORD'S
CONSENT, UPON THIRTY (30) DAYS ADVANCE WRITTEN NOTICE TO LANDLORD, TO ASSIGN THE
LEASE OR SUBLET THE WHOLE OR ANY PART OF THE LEASED  PREMISES TO ANY ENTITY THAT
CONTROLS,  IS  CONTROLLED  BY OR IS  UNDER  COMMON  CONTROL  WITH  TENANT  OR IN
CONNECTION WITH ANY  CONSOLIDATION OR  REORGANIZATION OF TENANT OR THE MERGER OF
TENANT WITH ANY OTHER ENTITY OR THE SALE OF ALL OR SUBSTANTIALLY ALL OF TENANT'S
ASSETS OR OF ALL OR SUBSTANTIALLY ALL OF THE INTERESTS  (PARTNERSHIP,  STOCK, OR
OTHERWISE)  IN  TENANT  (EACH  OF THE  TRANSACTIONS  REFERENCED  ABOVE  IN  THIS
SUBPARAGRAPH (I) ARE HEREINAFTER  REFERRED TO AS A "PERMITTED TRANSFER" AND EACH
SURVIVING ENTITY SHALL HEREINAFTER BE REFERRED TO AS A "PERMITTED  TRANSFEREE");
PROVIDED THAT SUCH PERMITTED TRANSFER IS SUBJECT TO THE FOLLOWING CONDITIONS:

               (i) TENANT, TO THE EXTENT TENANT SURVIVES SUCH TRANSACTION, SHALL
REMAIN FULLY LIABLE UNDER THE TERMS AND CONDITIONS OF THE LEASE;

                                       21
<PAGE>
               (ii) ANY SUCH PERMITTED TRANSFEREE SHALL BE SUBJECT TO ALL OF THE
TERMS,  COVENANTS,  AND CONDITIONS OF THE LEASE EXCEPT AS OTHERWISE SPECIFICALLY
PROVIDED IN THIS LEASE;

               (iii)  ANY  SUCH  PERMITTED   TRANSFEREE  EXPRESSLY  ASSUMES  THE
OBLIGATIONS OF TENANT UNDER THE LEASE;

               (iv) SUCH PERMITTED  TRANSFEREE HAS A NET WORTH AT LEAST EQUAL TO
THE NET WORTH OF TENANT AS OF THE DATE OF THIS LEASE.

     11.  Default Provisions.
          ------------------

          (a) Events of Default. Each of the following events shall be deemed to
              -----------------
be a default under this Lease,  and is referred to in this Lease as an "Event of
Default":

               (1) A default  by Tenant in the due and  punctual  payment of any
Basic Rent or Additional  Charges (other than those Additional Charges for which
Landlord  must give  Tenant  notice in which case  subparagraph  (2) below shall
apply)  which  continues  for more than five (5)  business  days after  LANDLORD
DELIVERS  WRITTEN NOTICE THAT such Basic Rent or Additional  Charges IS PAST due
and  payable;  PROVIDED,  HOWEVER,  IT SHALL BE AN  EVENT OF  DEFAULT  HEREUNDER
WITHOUT ANY  OBLIGATION OF LANDLORD TO GIVE ANY NOTICE TO TENANT IF LANDLORD HAS
PREVIOUSLY GIVEN TENANT TWO (2) NOTICES PURSUANT TO THIS SECTION 11(A)(1) DURING
THE EIGHTEEN (18) MONTH PERIOD PRECEDING SUCH DEFAULT; or

               (2) A  default  by  Tenant  in the due and  punctual  payment  of
Additional  Charges  which  continues for more than five (5) business days after
the payment date set forth in the notice of payment, where required, by Landlord
to Tenant; or

               (3) The neglect or failure of Tenant to perform or observe any of
the terms,  covenants or conditions  contained in this Lease on Tenant's part to
be performed or observed  other than those  referred to above in subsection  (1)
which is not remedied by Tenant  within  twenty (20) days after  Landlord  shall
have given to Tenant  written  notice  specifying  such  neglect or failure or a
reasonable time after written notice if such failure is incapable of cure within
twenty (20) days, so long as Tenant pursues the cure with due diligence; or

               (4) The assignment,  transfer,  mortgaging or encumbering of this
Lease or the  subletting  of the Leased  Premises in a manner not  permitted  by
Section 10 hereof; or

               (5) The taking of this Lease or the Leased Premises,  or any part
thereof,  upon execution or by other process of law directed against Tenant,  or
upon or

                                       22
<PAGE>
subject  to  any  attachment  at  the  insistence of any creditor of or claimant
against  Tenant,  which  execution  or  attachment  shall  not  be discharged or
disposed of within thirty (30) days after the levy thereof, or the occurrence of
any  of  the  events  listed  in  Section  12  hereof;  or

               (6) ANY abandonment of the Leased Premises by Tenant.

          (b)  Remedies.  Upon five (5)  calendar  days notice from  Landlord to
               --------
Tenant of an Event of Default under Section 11(a)(1) above, or the occurrence of
any other Event of Default, Landlord shall have the right, at its election, then
or at any time thereafter while such Event of Default shall continue, either:

               (1) To give Tenant  written notice that this Lease will terminate
on a date to be  specified  in such  notice,  which  date shall not be less than
three (3) days after  such  notice,  and on the date  specified  in such  notice
Tenant's  right to possession of the Leased  Premises shall cease and this Lease
shall thereupon be terminated,  but Tenant shall remain liable as provided below
in subsection (c); or,

               (2) Without demand or notice,  to re-enter and take possession of
the  Leased  Premises,  or any  part  thereof,  and  repossess  the  same  as of
Landlord's  former estate and expel Tenant and those  claiming  through or under
Tenant and  remove its or their  effects,  either by summary  proceedings  or by
action at law or in equity or by self-help (if necessary) or otherwise,  without
being  deemed  guilty of any manner of  trespass  and without  prejudice  to any
remedies for arrears of rent or preceding breach of covenant. If Landlord elects
to re-enter under this  subsection (2),  Landlord may terminate this Lease,  or,
from time to time, without terminating this Lease but terminating Tenant's right
to occupy  the  Leased  Premises,  may relet the  Leased  Premises,  or any part
thereof,  as agent  for  Tenant  for such  term or terms  and at such  rental or
rentals and upon such other terms and conditions as Landlord may deem advisable,
with  the  right  to make  reasonable  alterations  and  repairs  to the  Leased
Premises.  No such re-entry or taking of  possession  of the Leased  Premises by
Landlord shall be construed as an election on Landlord's  part to terminate this
Lease unless a written  notice of such  intention is given to Tenant under above
subsection  (1) or unless  the  termination  thereof  be  decreed  by a court of
competent jurisdiction.  Tenant waives any right to the service of any notice of
Landlord's intention to re-enter provided for by any present or future law.

          (c) Damages.  If Landlord  terminates  this Lease or Tenant's right to
              -------
occupy  the  Leased  Premises  pursuant  to above  subsection  (b),  subject  to
Landlord's  obligation to expend  commercially  reasonable  efforts to relet the
Leased  Premises  and  mitigate its  damages,  (however  Landlord  shall have no
obligation  to relet the Leased  Premises if other  vacant space is available in
the Building) Tenant shall remain liable (in addition to accrued liabilities) to
the extent legally permissible for (i) (A) all Basic Rent and Additional Charges
provided for in this Lease until the date this Lease would have expired had such
termination  not  occurred,  discounted to present value at the discount rate of
the Federal Reserve Bank of Baltimore at the time of such  termination  plus one
percent (1%), all accelerated to the date of any such termination  ("NPV"),  and
(B) any and all  reasonable  expenses  incurred by Landlord in  re-entering  the
Leased  Premises,  repossessing  the same,  making  good any  default of Tenant,
remodeling,  altering or dividing the Leased  Premises for relet,  combining the
same with any  adjacent  space for any new  tenants,  putting the same in proper
repair,  establishing  signage for,  reletting the same  (including  any and all
reasonable  attorneys  fees and  disbursements  and  reasonable  brokerage  fees
incurred in so doing),  and any and all  expenses  which  Landlord  may incur in
reletting  the Leased  Premises;  less (ii) the net proceeds of any reletting of
the Leased  Premises  discounted  to NPV.  Tenant  agrees to pay to Landlord the
difference between items (i) and (ii) above,  within ten (10) days after notice,
upon any  termination  or  subletting,  in full or, at Landlord's  option,  with
respect  to each  month  during  the Term,  at the end of such  month.  Any suit
brought by Landlord to enforce  collection of such  difference for any one month
shall not prejudice Landlord's right to enforce the collection of any difference
for any other month. In addition to the foregoing,  Tenant shall pay to Landlord
such sums as the court which has jurisdiction  thereover may adjudge  reasonable
as attorneys fees with respect to any  successful law suit or action  instituted
by Landlord to enforce the  provisions  of this Lease.  Landlord  shall have the
right, at its sole option, to relet the whole or any part of the Leased Premises

                                       23
<PAGE>
for the whole of the unexpired Term, or longer, or from time to time for shorter
periods,  for  any  rental  then obtainable, giving such concessions of rent and
making  such  special repairs, alterations, decorations and painting for any new
tenant  as  Landlord,  in  its sole and absolute discretion, may deem advisable.
Landlord  shall  be  under no obligation to relet the Leased Premises.  Tenant's
liability  as aforesaid shall survive the institution of summary proceedings and
the  issuance  of  any  warrant  thereunder  unless  waived.

          (d) Basic Rent and  Additional  Charges.  If Tenant fails to pay Basic
              -----------------------------------
Rent or any  Additional  Charges due hereunder on the date it is due, then after
Tenant's  second  failure to pay any such monetary  obligation on the date it is
due (after  expiration of any applicable  notice and grace period) in any twelve
(12) month period, and at Landlord's option,  Landlord may require Tenant to pay
six (6) months of Basic Rent and Additional Charges in advance.

     12.  Bankruptcy Termination Provision.
          --------------------------------

     This  Lease  shall, at Landlord's option, terminate and expire, without the
performance  of  any  act  or  the  giving  of  any notice by Landlord, upon the
occurrence  of  any  of the following events:  (1) Tenant's inability to pay its
debts  generally  as  they  become  due,  or (2) the commencement by Tenant of a
voluntary  case  under  the  federal  bankruptcy  laws,  as  now  constituted or
hereafter  amended,  or  any  other  applicable  federal  or  state  bankruptcy,
insolvency  or  other  similar  law,  or  (3) the entry of a decree or order for
relief by a court having jurisdiction in the premises in respect of Tenant in an
involuntary  case  under  the  federal  bankruptcy  laws,  as now constituted or
hereafter  amended,  or  any  other  applicable  federal  or  state  bankruptcy,
insolvency or other similar law, and the continuance of any such decree or order
unstayed  and  in  effect  for  a  period of sixty (60) consecutive days, or (4)
Tenant's  making  an assignment of all or a substantial part of its property for
the  benefit  of  its  creditors,  or  (5)  Tenant's seeking or consenting to or
acquiescing  in  the appointment of, or the taking of possession by, a receiver,
trustee  or  custodian for all or a substantial part of its property, or (6) the
entry  of  a  court  order  without  Tenant's  consent, which order shall not be
vacated,  set  aside  or  stayed  within sixty (60) days from the date of entry,
appointing a receiver, trustee or custodian for all or a substantial part of its
property, (7) the sale of all or substantially all of Tenant's assets OTHER THAN
PURSUANT  TO  A  PERMITTED TRANSFER, or (8) any of the foregoing events by or as
against  any Guarantor.  In the event of termination of the Lease as a result of
any  of the foregoing events, Landlord shall be entitled to damages as set forth
in  Section  11(c) hereof.  The provisions of this Section 12 shall be construed
with  due  recognition  for the provisions of the federal bankruptcy laws, where
applicable,  but shall be interpreted in a manner which results in a termination
of  this  Lease in each and every instance, and to the fullest extent and at the
earliest moment, that such termination is permitted under the federal bankruptcy
laws, it being of prime importance to the Landlord to deal only with Tenants who
have,  and continue to have, a strong degree of financial strength and financial
stability.

     13.  Landlord May Perform Tenant's Obligations.
          -----------------------------------------

     If  Tenant shall fail to keep or perform any of its obligations as provided
in  this  Lease  in  respect  to  (a)  maintenance of insurance, (b) repairs and
maintenance of the Leased Premises, (c) compliance with the Requirements, or (d)
the  making  of  any  other payment or performance of any other obligation, then
Landlord  may (but shall not be obligated to do so) upon the continuance of such
failure on Tenant's part for twenty (20) days after written notice to Tenant (or
after  such  additional period, if any, as Tenant may reasonably require to cure
such  failure  if  of a nature which cannot be cured within said twenty (20) day
period)  and  without waiving or releasing Tenant from any obligation, and as an
additional  but  not exclusive remedy, make any such payment or perform any such
obligation,  and all sums so paid by Landlord and all necessary incidental costs
and  expenses,  including  attorneys  fees,  incurred by Landlord in making such
payment  or  performing  such  obligation, together with interest thereon at the
rate  specified in Section 3(c) hereof from the date of payment, shall be deemed
an  Additional  Charge and shall be paid to Landlord on demand, or at Landlord's
option  may  be  added to any installment of rent thereafter falling due, and if
not  so  paid  by Tenant, Landlord shall have the same rights and remedies as in
the  case  of  a  default  by  Tenant  in  the  payment  of  Rent.

                                       24
<PAGE>
     14.  Security Deposit.
          ----------------

          (a) Tenant shall  deposit  with  Landlord  the  Security  Deposit,  as
security  for the prompt,  full and faithful  performance  by Tenant of each and
every  provision of this Lease and of all obligations of Tenant  hereunder.  The
Security  Deposit  shall be in the  form of cash  or,  at  Tenant's  option,  an
irrevocable  letter of credit (the  "Security  Deposit  L/C").  If the  Security
Deposit is in the form of a letter of credit,  the Security Deposit L/C shall be
delivered to Landlord at Tenant's  sole cost and expense.  The Security  Deposit
L/C shall be issued by and drawn on a bank reasonably acceptable to Landlord, in
Landlord's  sole  but  reasonable   discretion,   and  shall  name  Landlord  as
Beneficiary.  If the maturity  date of the Security  Deposit L/C is prior to the
end of the Term of the Lease,  Tenant  shall renew the  Security  Deposit L/C as
often as is necessary with the same bank or financial  institution (or a similar
bank or financial  institution  reasonably  acceptable to Landlord) and upon the
same terms and conditions, not less than thirty (30) days prior to the purported
expiration  date of the Security  Deposit L/C. In the event that Tenant fails to
timely renew the Security  Deposit L/C as aforesaid,  Landlord shall be entitled
to draw  against the entire  amount of the  Security  Deposit  L/C. The Security
Deposit L/C shall be  assignable  by Landlord  and upon such  assignment  to any
party  assuming in writing the  landlord  interest  and  obligations  under this
Lease,  and  this  Landlord  shall be  relieved  from all  liability  to  Tenant
therefor.  If an Event of Default occurs,  Landlord may use, apply or retain the
whole or any part of the Security  Deposit for the payment of (i) any Basic Rent
or  Additional  Charges which Tenant shall not have paid or which may become due
after the occurrence of such Event of Default, (ii) any sum expended by Landlord
on Tenant's  behalf in accordance with the provisions of this Lease or (iii) any
other sum  which  Landlord  may  expend  or be  required  to expend by reason of
Tenant's default, including damages or deficiency in the reletting of the Leased
Premises as provided in Section 11 hereof. The use,  application or retention of
the Security  Deposit,  or any portion  thereof,  by Landlord  shall not prevent
Landlord from  exercising any other right or remedy provided by this Lease or by
law and shall not operate as a limitation on any recovery to which  Landlord may
otherwise be entitled.  If any portion of the Security Deposit is used,  applied
or retained by Landlord for the purposes set forth above, Tenant agrees,  within
ten (10) days after a written  demand  therefor is made by Landlord,  to deposit
cash or a new  Security  Deposit  L/C meeting the  criteria  referenced  in this
Section  14,  with  Landlord in an amount  sufficient  to restore  the  Security
Deposit to its original amount. If Tenant shall fully and faithfully comply with
all of the  provisions  of this  Lease,  the  Security  Deposit,  or any balance
thereof,  shall be returned to Tenant  within ten (10)  business  days after the
expiration of the Term, with interest.  In the absence of evidence  satisfactory
to Landlord of any  permitted  assignment  of the right to receive the  Security
Deposit,  or the  remaining  balance  thereof,  Landlord  may return the same to
Tenant, regardless of one or more assignments of Tenant's interest in this Lease
or the Security Deposit.  In such event, upon the return of the Security Deposit
(or  balance  thereof)  to Tenant,  Landlord  shall be  completely  relieved  of
liability  under  this  Section  14. In the event of a  transfer  of  Landlord's
interest in the Leased  Premises,  Landlord shall have the right to transfer the
Security Deposit to the transferee  thereof. In such event, upon the delivery by
Landlord to Tenant of such transferee's written acknowledgment of its receipt of
such Security  Deposit and its  agreement to comply with the  provisions of this
Lease,  Landlord  shall be  deemed  to have been  released  by  Tenant  from all
liability or  obligation  for the return of such  Security  Deposit,  and Tenant
agrees to look solely to such transferee for the return of the Security  Deposit
and the  transferee  shall be bound by all  provisions of this Lease relating to
the return of the Security Deposit. The Security Deposit shall not be mortgaged,
assigned or  encumbered  in any manner  whatsoever  by Tenant  without the prior
written consent of Landlord.

          (b)  Notwithstanding  anything to the contrary in this Section 14, and
provided that Tenant is not in monetary default beyond any applicable notice and
cure periods  under the Lease at the time of each  reduction,  the amount of the
Security  Deposit L/C OR THE CASH  SECURITY  DEPOSIT,  AS  APPLICABLE,  shall be
reduced by Seventeen Thousand Five Hundred Five and 76/100 Dollars ($17,505.76))
on each anniversary of the Lease Commencement Date.

     15.  Subordination; Attornment.
          --------------------------

          (a)  Subordination.  Subject to the  provisions  contained  in Section
               -------------
15(d),  this  Lease  and  Tenant's  interest  hereunder  shall  be  subject  and
subordinate  to each and  every  ground or  underlying  lease  now  existing  or
hereafter made of the entire Building and/or underlying land and to all

                                       25
<PAGE>
renewals, modifications, replacements and extensions thereof, and to the lien of
any  mortgage  now  or  hereafter placed upon the Building, and to all renewals,
modifications,  replacements,  consolidations  and extensions thereof and to any
and  all  advances made thereunder and the interest thereon.  Tenant agrees that
within  fifteen (15) days after written request therefor from Landlord, it will,
from time to time, execute and deliver any instrument or other document required
by  any such landlord or mortgagee to subordinate this Lease and its interest in
the Leased Premises to such lease or the lien of any such mortgage.  Tenant will
also  upon  request submit current financial statements and financial statements
covering  the two (2) immediately preceding years, and Tenant will upon request,
at  Landlord's  cost,  record  this Lease or a short form thereof if required by
Landlord's  mortgagee  or other lending institution but, otherwise, Tenant shall
not  record  this  Lease  or  a  short  form  thereof.

          (b)  Modifications.  In the event  that any bank,  insurance  company,
               -------------
university,  pension or welfare fund, savings and loan association,  real estate
investment  trust,  business  trust, or other  financial  institution  providing
financing  for the Building  requires,  as a condition of such  financing,  that
modifications  to this Lease be obtained,  and provided that such  modifications
(i) are reasonable,  (ii) do not materially adversely affect Tenant's use of the
Leased Premises as herein  permitted,  (iii) do not materially  adversely change
Tenant's  rights or obligations  under this Lease,  and (iv) do not increase the
rentals and other sums required to be paid by Tenant  hereunder,  Landlord shall
submit such required  modifications  to Tenant,  and Tenant shall enter into and
execute a written  amendment hereto  incorporating  such required  modifications
within  twenty  (20)  days  after  the same  have  been  submitted  to Tenant by
Landlord.  If Tenant  shall  fail to so enter  into and  execute  such a written
amendment, then Landlord shall thereafter have the right, at its sole option, to
submit  such  matter to  binding  expedited  arbitration  under  the  Commercial
Arbitration Rules of the AAA by giving Tenant written notice thereof.

          (c)  Attornment.  Subject to the provisions  contained in this Section
               ----------
15,  in the  event  of (a) a  transfer  of  Landlord's  interest  in the  Leased
Premises,  (b) the  termination of any ground or underlying  lease of the entire
Building  and/or  underlying  land,  or (c)  the  purchase  of the  Building  or
Landlord's  interest  therein  at a  foreclosure  sale  or by  deed  in  lieu of
foreclosure  under any mortgage or pursuant to a power of sale  contained in any
mortgage,  then in any of such events,  Tenant  shall,  at  Landlord's  request,
attorn to and  recognize the  transferee or purchaser of Landlord's  interest or
the landlord under the terminated  ground or underlying  lease,  as the case may
be, as landlord under this Lease for the balance then remaining of the Term, and
thereafter  this Lease shall continue as a direct lease between such person,  as
"Landlord", and Tenant, as "Tenant", but such landlord, transferee or purchaser,
unless an express assumption of this Lease is made by such landlord,  transferee
or purchaser, in which case Landlord shall be released from liability, shall not
be liable for any act or omission of Landlord prior to such lease termination or
prior to such  person's  succession  to title,  nor be  subject  to any  offset,
defense or  counterclaim  accruing  prior to such lease  termination or prior to
such person's  succession to title, nor be bound by any payment of Basic Rent or
Additional  Charges  prior to such lease  termination  or prior to such person's
succession  to title for more than one month in  advance.  Tenant  agrees  that,
within twenty (20) days after written request  therefor from Landlord,  it will,
from time to time, execute and deliver any instrument or other document required
by any mortgagee,  transferee,  purchaser or other interested  person to confirm
such attornment and/or such obligation to attorn.

          (d) Nondisturbance.  Notwithstanding  anything contained in Section 15
              --------------
of this Lease to the contrary:

                    a) If this  Lease  is  subordinate  to any  existing  fee or
leasehold  mortgages or ground or air space leases covering the underlying land,
Building or Common Areas, Landlord,  prior to the Lease Commencement Date, shall
obtain,   have   executed  and  shall  deliver  to  Tenant,   a   Subordination,
Nondisturbance and Attornment Agreement by and between the Tenant and such prior
party, in the form of Exhibit F attached to this Lease.
                      ---------

                    b) Subject to the  provision of subsection  (i) below,  this
Lease shall be subordinate and subject to any future fee or leasehold  Mortgages
and ground or air space leases covering the underlying land,  Building or Common
Areas.

                                       26
<PAGE>
                    (i) If any  Mortgage is  foreclosed  or ground  lease or air
                    space lease is terminated, then:

                         (1) This Lease shall continue in full force and effect,
                             and

                         (2) Tenant's  quiet  enjoyment  shall  not be disturbed
                             if Tenant  is not in  default  of this Lease beyond
                             any applicable  grace and notice period provided
                             herein for the cure thereof, and

                         (3) Tenant  shall  attorn to  and  recognize  the
                             mortgagee,  purchaser  at  a  foreclosure  sale  or
                             ground  or other lessor ("Successor  Landlord")  as
                             Tenant's landlord for the remaining Lease Term; and

                    (ii)  This  subsection  shall  be  self-operative;  however,
                    Landlord shall use commercially  reasonable efforts to cause
                    a future lender to enter into an agreement  confirming  such
                    subordination,  attornment  and  non-disturbance  if  either
                    party so requests.

     16.  Quiet Enjoyment.
          ---------------

          Landlord  covenants  that  Tenant,  upon paying the Basic Rent and the
Additional Charges provided for in this Lease, and upon performing and observing
all of the terms, covenants, conditions and provisions of this Lease on Tenant's
part to be kept,  observed and performed,  shall quietly hold,  occupy and enjoy
the Leased Premises during the Term without  hindrance,  ejection or molestation
by Landlord or any party lawfully claiming through or under Landlord, subject to
the terms of this Lease.

     17.  Landlord's Right of Access.
          --------------------------

          Landlord  may,  SUBJECT  TO  GOVERNMENTAL   AND  TENANT'S   REASONABLE
REQUIREMENTS WITH RESPECT TO CONFIDENTIALITY AND SECURITY, during any reasonable
time or times AND UPON  TWENTY-FOUR  (24) HOURS PRIOR NOTICE TO TENANT (unless a
suspected  emergency),  before and after the Lease Commencement Date, enter upon
the Leased  Premises,  any portion  thereof and any  appurtenance  thereto (with
laborers and  materials,  if required)  for the purpose of: (i)  inspecting  the
same;  (ii) making such repairs,  replacements  or  alterations  which it may be
required  to  perform  under the  provisions  of this Lease or which it may deem
desirable for the Leased Premises or the Building,  including but not limited to
repairs and  improvements to space above,  below and/or on the same floor as the
Leased  Premises;  and (iii) DURING THE LAST NINE (9) MONTHS OF THE TERM OF THIS
LEASE,  showing  the Leased  Premises  to  prospective  purchasers  or  tenants.
Landlord  agrees to give  reasonable  notice prior to any such entry except that
Landlord  may enter  without  notice in the case of a  suspected  emergency.  In
making  such an  entry,  Landlord  agrees  to use  reasonable  efforts  to avoid
interfering  with the regular and usual  conduct of the  Tenant's  business.  If
Tenant shall carpet over the floor of the Leased  Premises,  Landlord shall have
the  right to cut such  carpeting  in order  to make or  install  any  necessary
electrical  or  telephone  equipment  or wiring to  service  other  parts of the
Building,  without being held liable therefor,  provided Landlord shall have the
carpeting  restored  in  a  workmanlike   manner  and  to  Tenant's   reasonable
satisfaction.

     18.  Limitation on Landlord's Liability.
          ----------------------------------

          (a)  Limitation.   Landlord,  its  affiliates  and  their  agents  and
               ----------
employees  shall  not be liable  to  Tenant,  its  employees,  agents,  business
invitees, licensees,  customers, guests or trespassers for any damage or loss to
the  property  of Tenant or others  located  on the Leased  Premises  or for any
accident or injury to persons in the Leased  Premises or the Building  resulting
from:  the  necessity  of  repairing  any  portion of the  Building;  the use or
operation  (by  Tenant  or  any  other  person  or  persons  whatsoever)  of any
elevators, or heating,  cooling,  electrical or plumbing equipment or apparatus;
the  termination  of this Lease by reason of the  destruction of the Building or
the Leased Premises; any fire, robbery, theft and/or any other casualty; any

                                       27
<PAGE>
leaking  in  any  part  or  portion  of the Leased Premises or the Building; any
water,  wind,  rain  or  snow  that may leak into, or flow from, any part of the
Leased  Premises  or  the Building; any acts or omissions of any occupant of any
space  adjacent  to  or  adjoining  all  or any part of the Leased Premises; any
water,  gas,  steam,  fire,  explosion,  electricity  or  falling  plaster;  the
bursting,  stoppage  or  leakage  of  any  pipes, sewer pipes, drains, conduits,
ducts,  appliances  or  plumbing works; the functioning or malfunctioning of the
fire  sprinkler system; the functioning or malfunctioning of any security system
installed  in  the  Building or any part thereof; or any other cause whatsoever;
provided,  however,  that  Landlord  shall be liable for any such damage or loss
resulting  from  the  gross  negligence  or  willful misconduct of Landlord, its
affiliates  and their agents and employees.  NOTHING IN THIS SECTION 18(A) SHALL
BE  DEEMED  TO BE A WAIVER OF TENANT'S RIGHT TO A CLAIM OF CONSTRUCTIVE EVICTION
OR  SPECIFIC  PERFORMANCE.

          (b) Force  Majeure.  LANDLORD'S  AND  TENANT'S  TIME TO PERFORM  THEIR
              --------------
RESPECTIVE OBLIGATIONS UNDER THIS LEASE BECAUSE OF, FROM OR THROUGH ACTS OF GOD,
STRIKES, LOCKOUTS, LABOR DIFFICULTIES,  EXPLOSIONS,  SABOTAGE, ACCIDENTS, RIOTS,
CIVIL COMMOTIONS,  ACTS OF WAR, RESULTS OF ANY WARFARE OR WARLIKE  CONDITIONS IN
THIS OR ANY FOREIGN  COUNTRY,  FIRE AND CASUALTY,  REQUIREMENTS OR OTHER SIMILAR
CAUSES BEYOND THE REASONABLE  CONTROL OF LANDLORD OR TENANT,  AS THE CASE MAY BE
(HEREINAFTER A "FORCE MAJEURE EVENT"), SHALL EXTEND SUCH PARTY'S TIME TO PERFORM
BY THE PERIOD OF SUCH DELAY OR SUCH  PREVENTION  WHICH SHALL BE DEEMED  ADDED TO
THE TIME HEREIN PROVIDED FOR THE  PERFORMANCE OF ANY SUCH  OBLIGATION  PROVIDED,
HOWEVER,  NOTHING HEREIN SHALL REDUCE LANDLORD'S OBLIGATIONS TO PROVIDE SERVICES
OR REPAIRS.  NOTWITHSTANDING  THE FOREGOING,  TENANT'S FAILURE TO PAY RENT SHALL
NOT BE EXCUSED BY ANY FORCE MAJEURE EVENT.

     19.  Hazardous Material.
          ------------------

          For purposes of this Lease,  the term  "Hazardous  Material" means any
hazardous  substance,  hazardous  waste,  infectious  waste, or toxic substance,
material,  or waste which becomes  regulated or is defined as such by any local,
state or federal governmental authority.  Landlord covenants that, to its actual
knowledge,  there is no Hazardous  Material located in, on or under the Building
as of the date of this Lease in violation of any federal or state law.  Landlord
hereby agrees to indemnify Tenant from and against any claims,  damages,  losses
or liabilities  (including  reasonable  attorney's  fees) incurred by Tenant and
arising from (i) any breach of the foregoing  representation  and warranty,  and
(ii) any Hazardous  Material brought into the Leased Premises or the Building by
Landlord or another  tenant.  Except for small  quantities  of  ordinary  office
supplies such as copier toners,  liquid paper,  glue,  ink and common  household
cleaning  materials,  Tenant shall not cause or permit any Hazardous Material to
be  brought,  kept or used in or about the Leased  Premises  or the  Building by
Tenant, its agents, employees, contractors, or invitees. Tenant hereby agrees to
indemnify  Landlord  from and  against  any breach by Tenant of the  obligations
stated  in the  preceding  sentence,  and  agrees to  defend  and hold  Landlord
harmless  from and against any and all claims,  judgments,  damages,  penalties,
fines, costs, liabilities, or losses (including, without limitation,  diminution
in value of the Building, damages for the loss or restriction or use of rentable
space or of any amenity of the Building, damages arising from any adverse impact
on  marketing  of space in the  Building,  sums paid in  settlement  of  claims,
attorneys'  fees,  consultant  fees and expert fees) which arise during or after
the Term of this Lease as result of such breach. This indemnification of

                                       28
<PAGE>
Landlord  by  Tenant  includes, without limitation, costs incurred in connection
with  any investigation of site conditions and any cleanup, remedial removal, or
restoration  work  required  due  to the presence of Hazardous Material.  Tenant
shall  promptly  notify  Landlord  of any release of a Hazardous Material in the
Leased Premises or at the Building of which Tenant becomes aware, whether caused
by  Tenant  or  any  other  person or entity.  The provisions of this Section 19
shall  survive  the  termination  of  the  Lease.

          (a) Definition and Consent. The term "Hazardous  Substance" as used in
              ----------------------
this Lease shall mean any product, substance,  chemical, material or waste whose
presence,  nature,  quantity and/or  intensity of existence,  use,  manufacture,
disposal,  transportation,  spill,  release  or  affect,  either by itself or in
combination  with other  materials  expected  to be on the Leased  Premises,  is
either: (a) potentially  injurious to the public health,  safety or welfare, the
environment  or  the  Leased  Premises,   (b)  regulated  or  monitored  by  any
governmental  entity,  (c) a basis for liability of Landlord to any governmental
entity or third party under any  federal,  state or local  statute or common law
theory or (d) defined as a hazardous material or substance by any federal, state
or local law or  regulation.  Except for small  quantities  of  ordinary  office
supplies such as copier  toner,  liquid paper,  glue,  ink and common  household
cleaning materials,  Tenant shall not cause or permit any Hazardous Substance to
be brought,  kept,  or used in or about the Leased  Premises or the  Building by
Tenant, its agents, employees, contractors or invitees.

          (b) Duty to Inform Landlord.  If Tenant knows, or has reasonable cause
              -----------------------
to believe,  that a Hazardous  Substance,  or a condition involving or resulting
from same,  has come to be located in, on or under or about the Leased  Premises
or the Building,  Tenant shall  immediately  give written notice of such fact to
Landlord.  Tenant  shall  also  immediately  give  Landlord  (without  demand by
Landlord) a copy of any statement,  report, notice,  registration,  application,
permit,  license,  given to or received  from,  any  governmental  authority  or
private party, or persons entering or occupying the Leased Premises,  concerning
the  presence,  spill,  release,  discharge  of or  exposure  to, any  Hazardous
Substance or contamination in, on or about the Leased Premises or the Building.

          (c) Inspection; Compliance. Landlord and Landlord's employees, agents,
              ----------------------
contractors and lenders shall have the right to enter the Leased Premises at any
time in the  case of an  emergency,  and  otherwise  at  reasonable  times  upon
reasonable  advance  notice,  for the purpose of inspecting the condition of the
Leased  Premises and for  verifying  compliance  by Tenant with this Section 19.
Landlord shall have the right to employ experts and/or consultants in connection
with  its   examination  of  the  Leased   Premises  and  with  respect  to  the
installation,  operation,  use,  monitoring,  maintenance,  or  removal  of  any
Hazardous  Substance on or from the Leased  Premises.  The costs and expenses of
any  such  inspections  shall be paid by the  party  requesting  same,  unless a
contamination,  caused or materially contributed to by Tenant, is found to exist
or be imminent, or unless the inspection is requested or ordered by governmental
authority  as  the  result  of  any  such  existing  or  imminent  violation  or
contamination.  In any such  case,  Tenant  shall  upon  THIRTY  (30) DAYS PRIOR
WRITTEN NOTICE, WHICH NOTICE SHALL INCLUDE SUPPORTING DOCUMENTATION FOR THE COST
OF  SUCH  REPAIRS,  reimburse  Landlord  for  the  cost  and  expenses  of  such
inspection.

     20.  Certificates.
          ------------

          Tenant shall,  without charge  therefor,  at any time and from time to
time,  within  twenty (20) days after  request  therefor by  Landlord,  execute,
acknowledge and deliver to Landlord a written estoppel certificate certifying to
Landlord,  any  mortgagee,  assignee of a  mortgagee,  or any  purchaser  of the
Building,  or any other person  designated  by Landlord,  as of the date of such
estoppel  certificate,  (i) that Tenant is in possession of the Leased  Premises
(if  accurate),  (ii) that this Lease is unmodified and in full force and effect
(or if there have been modifications, that the Lease is in full force and effect
as modified and setting forth such  modification);  (iii) whether or not, to the
best of Tenant's  knowledge,  there are then  existing  any set-offs or defenses
against  the  enforcement  of any right or remedy  of  Landlord,  or any duty or
obligation of Tenant hereunder (and, if so, specifying the same in detail); (iv)
the dates through which Basic Rent and  Additional  Charges have been paid;  (v)
that  Tenant  has no  knowledge  of any  then  uncured  defaults  on the part of
Landlord under this

                                       29
<PAGE>
Lease  (or  if Tenant has knowledge of any such uncured defaults, specifying the
same in detail); (vi) that Tenant  has no knowledge of any event having occurred
that  authorizes  the termination of this Lease by Tenant (or if Tenant has such
knowledge,  specifying  the  same  in  detail); (vii) the amount of any Security
Deposit  held by Landlord; (viii) other matters reasonably requested by Landlord
and  (ix)  such  other matters as to material facts as Tenant deems necessary to
make  the  certificate  accurate.  Tenant  shall  be in material default of this
Lease  if  Tenant  shall  fail to so execute and deliver such a written estoppel
certificate.

     21.  Surrender of Leased Premises.
          ----------------------------

          Tenant  shall,  on or before the last day of the Term, or upon earlier
termination  hereof  or of  Tenant's  right to occupy  the  Leased  Premises  in
accordance with the terms hereof, (i) peaceably and quietly leave, surrender and
yield up to Landlord the Leased Premises, free of subtenancies, broom clean and,
subject to the  provisions  of Section  13 hereof,  in good order and  condition
except for  reasonable  wear and tear AND DAMAGE  DUE TO  CASUALTY  OR THE GROSS
NEGLIGENCE  OR  WILLFUL   MISCONDUCT  OF  LANDLORD  (OR  LANDLORD'S   EMPLOYEES,
CONTRACTORS,  OR  AGENTS),  and (ii) at its  expense,  remove  from  the  Leased
Premises all movable trade fixtures,  furniture,  equipment,  and other personal
property,  provided that Tenant shall promptly  repair any damage caused by such
removal.  Any of such  property not so removed may, at  Landlord's  election and
without limiting Landlord's right to compel removal thereof, be deemed abandoned
and either may be  retained by  Landlord  as its  property  or be  disposed  of,
without  accountability,  in such  manner  as  Landlord  may see fit.  EXCEPT AS
OTHERWISE  LISTED ON  EXHIBIT G  ATTACHED  HERETO,  ALL  affixed  installations,
alterations, additions, betterments and improvements to the Leased Premises made
by either  Landlord  or  Tenant,  whether at  Landlord's  or  Tenant's  expense,
including,   without  limitation,  all  wiring,  paneling,   partitions,   floor
coverings,  lighting fixtures, built-in cabinets,  bookshelves affixed to walls,
and the like,  unless  designated  in writing by  agreement  of the parties upon
installation,  shall become the property of Landlord  when  installed  and shall
remain with the Leased  Premises at the expiration or sooner  termination of the
Term, except that Landlord shall have the right, by notice to Tenant at the time
of approving  Tenant's plans for such  improvements,  to require Tenant,  at its
expense,  to remove any of such property  installed by or at the sole expense of
Tenant or other remaining  property  objectionable to Landlord and to repair any
damage caused by such removal. In the event Tenant fails to perform such removal
and repair,  as  aforesaid,  Landlord may remove any property of Tenant from the
Leased  Premises and store the same elsewhere at the expense and risk of Tenant.
The  provisions of this Section shall survive any  expiration or  termination of
this Lease.

     22.  Alterations and Additions.
          -------------------------

          (a)  Tenant  will not make or permit  anyone to make any  alterations,
additions or improvements, structural or otherwise ("Alterations"), in or to the
Leased Premises or the Building,  without first obtaining the written consent of
Landlord which consent may be granted or withheld by Landlord as provided below.
Alterations  shall  include,  but shall not be limited to, the  installation  or
alteration  of  security  or fire  protection  systems,  communication  systems,
millwork,  shelving, file retrieval or storage systems, carpeting or other floor
covering,  window and wall coverings,  electrical distribution systems, lighting
fixtures,  telephone  or  computer  system  wiring,  HVAC and  plumbing.  At the
expiration  of the Term,  Landlord  may require  the removal of any  Alterations
installed by Tenant which Landlord has identified at the time Landlord  approves
the plans  therefore and the restoration of the Leased Premises and the Building
to their prior condition, at Tenant's expense. If, as a result of any Alteration
made by  Tenant,  Landlord  is  obligated  to  comply  with the  Americans  With
Disabilities  Act or any other law or regulation  and such  compliance  requires
Landlord to make any  improvement  or Alteration to any portion of the Building,
as a condition to Landlord's  consent,  Landlord shall have the right to require
Tenant to pay to Landlord prior to the construction of any Alteration by Tenant,
the entire  cost of any  improvement  or  Alteration  Landlord is  obligated  to
complete by such law or regulation.  Should  Landlord  permit Tenant to make its
own  Alterations,  Tenant shall use only such  contractor as has been  expressly
approved by Landlord, and Landlord may require Tenant to provide to Landlord, at
Tenant's sole cost and expense, a lien and completion bond in an amount equal to
ONE HUNDRED  TWENTY-FIVE  PERCENT (125%) the estimated cost of such Alterations,
to insure Landlord against any liability for mechanic's and materialmen's  liens
and to insure  completion of the work.  Landlord may withhold its consent in its
sole and absolute discretion with respect to any Alterations which are visible

                                       30
<PAGE>
from  the  outside  of  the  Leased  Premises or adversely effect the structural
integrity  of  the  Building or any of the Main Building Systems, as hereinafter
defined.  Landlord  will  not  unreasonably  withhold,  condition  or  delay its
consent  to  any  Alterations  provided  that Tenant otherwise complies with the
provisions  of  this  Section  22 and that the same (i) are not visible from the
outside of the Leased Premises,  and (ii) do not adversely effect the structural
integrity  of  the Building or any of the Building systems which are not located
within  the Leased Premises and which provide services to other occupants of the
Building  in  addition to Tenant, including the structural, electrical, plumbing
and  HVAC  systems ("Main Building Systems").  In the event Landlord consents to
any  such  Alterations, the same shall be performed in accordance with plans and
specifications  reasonably approved in writing by Landlord, which approval shall
not  be  deemed to assure compliance with Laws.  WITH RESPECT TO ALTERATIONS FOR
WHICH  LANDLORD'S CONSENT IS REQUIRED , Tenant shall pay to Landlord a fee equal
to  ten  percent (10%) of the cost of the Alterations to compensate Landlord for
the  overhead  and  other  costs  it  incurs  in  reviewing  the  plans  for the
Alterations  and  in  monitoring  the  construction  of the Alterations and five
percent  (5%) for profit.  In the event Landlord grants such consent and permits
Tenant  to  contract  out  such  work,  which  permission  Landlord  will  not
unreasonably withhold condition or delay, such Alterations shall be performed by
adequately  insured  contractors reasonably approved by Landlord (or in the case
of  an  Alteration  to  the  Main  Building  Systems  approved  by Landlord, the
contractor  designated  by  Landlord (provided such contractor agrees to perform
such  Alterations  at  a  commercially  competitive  cost))  and  in  a good and
workmanlike  manner  in accordance with all applicable Laws with which Tenant is
required to comply pursuant to the terms of this Lease and Requirements of which
Tenant  has  prior  written  knowledge.  Landlord  may  inspect  such  work,  in
progress.  In  any event, Tenant shall indemnify and hold harmless Landlord from
and against any and all reasonable costs, expenses, claims, liens and damages to
person  or  property  resulting from the making of any such Alterations in or to
the  Leased  Premises  or  the Building by Tenant. In the event Tenant makes any
Alterations, Tenant agrees to obtain or cause its contractor to obtain, prior to
the  commencement  of  any  work,  "builders  all  risk"  insurance in an amount
approved  by  Landlord  and  workers compensation insurance.  Except as provided
below,  if  any  Alterations  are  made  without  the  prior  written consent of
Landlord,  Landlord  may  correct  or remove the same UPON NOTICE TO TENANT, WHO
SHALL HAVE A REASONABLE OPPORTUNITY TO MITIGATE ANY DAMAGES, and Tenant shall be
liable  for any and all costs and expenses incurred by Landlord in such removal.
Tenant  shall have the right to make cosmetic, non-structural Alterations to the
Leased  Premises  without  obtaining  Landlord's  prior  written  consent,  but
otherwise  in  accordance  with the provisions of this Section 22, provided that
Tenant  provides  Landlord  with  written  notice  of its intention to make such
Alterations  together  with  the  plans  and  specifications  for the same.  For
purposes  of  this  Section  22  "cosmetic, non-structural Alterations" shall be
deemed  to  mean paint, carpet and wallcovering.  For purposes of the Lease, its
shall  be  deemed  reasonable  for  Landlord  to  require  Tenant to perform any
Alterations  during  non-business  hours  if  such  Alterations  will  create
unreasonable  noise,  noxious  fumes  or  otherwise  interfere  with  the  quiet
enjoyment  of  the  other  tenants in the Building.  In addition, Landlord shall
have  the  right  to  reasonably  approve  the  vendor  who  shall  perform said
Alterations.  To  the extent the Landlord's consent is required pursuant to this
Section  22,  at the written request of Tenant, Landlord agrees to notify Tenant
concurrently  with  Landlord's  consent of any such Alterations whether Landlord
will  require  Tenant to remove such Alterations at the end of the Lease Term if
such  Alterations  are  required  to  be  removed  in accordance with Section 21
hereof.

          (b) Any  Alterations in or about the Leased Premises that Tenant shall
desire to make shall be  presented to Landlord in written  form,  with plans and
specifications  which are sufficiently  detailed to obtain a building permit, if
required.  If Landlord  consents to an  Alteration,  the consent shall be deemed
conditioned  upon Tenant  acquiring  a building  permit (if  required)  from the
applicable governmental agencies, furnishing a copy thereof to Landlord prior to
the  commencement  of the work,  and compliance by Tenant with all conditions of
said permit in a prompt and expeditious  manner.  Tenant shall provide  Landlord
with as-built plans and  specifications  for any Alterations  made to the Leased
Premises.

          (c) Tenant  shall  pay,  when due,  all claims for labor or  materials
furnished  or alleged to have been  furnished  to or for Tenant at or for use in
the Leased  Premises,  which claims are or may be secured by any  mechanic's  or
materialmen's lien against the Leased Premises or the Building,  or any interest
therein. If

                                       31
<PAGE>
Tenant shall, in good faith, contest the validity of any such lien, Tenant shall
furnish to Landlord a surety bond satisfactory to Landlord in an amount equal to
not  less  than  ONE  HUNDRED  TWENTY-FIVE PERCENT (125%) OF  the amount of such
contested  lien  or claim indemnifying Landlord against liability arising out of
such  lien  or  claim.  Such bond shall be sufficient in form and amount to free
the  Building  from  the effect of such lien.  In addition, Landlord may require
Tenant to pay Landlord's reasonable attorneys' fees and costs in connection with
defending  any  such  claims.

          (d) Tenant shall give  Landlord  not less than ten (10) days'  advance
written notice prior to the  commencement  of any work in the Leased Premises by
Tenant, and Landlord shall have the right to post notices of  non-responsibility
in or on the Leased Premises or the Building.

          (e) All Alterations (whether or not such Alterations  constitute trade
fixtures of Tenant) which may be made to the Leased  Premises by Tenant shall be
paid for by Tenant,  at Tenant's sole  expense,  and shall be made and done in a
good and workmanlike manner and with new materials  satisfactory to Landlord and
such  Alterations  shall be the  property  of  Landlord  and remain  upon and be
surrendered with the Leased Premises at the expiration of the Term of the Lease.
Provided no Event of Default exists,  Tenant's  personal property and equipment,
other than that which is  affixed  to the Leased  Premises  so that it cannot be
removed without  material  damage to the Leased Premises or the Building,  shall
remain  the  property  of Tenant  and may be  removed  by Tenant  subject to the
provisions of Section 21 above.

     23.  Holding Over.
          ------------

          If Tenant  remains in  possession  of the Leased  Premises or any part
thereof  after the  expiration  or earlier  termination  of the term hereof with
Landlord's  consent,  such occupancy shall be a tenancy from month to month upon
all the terms and  conditions  of this Lease  pertaining to the  obligations  of
Tenant,  except  that the Basic  Rent  payable  shall be the  greater of (a) one
hundred fifty percent (150%) of the Basic Rent payable immediately preceding the
termination date of this Lease or (b) one hundred  twenty-five percent (125%) of
the fair  market base rent for the Leased  Premises as of the date Tenant  holds
over, and all Options,  if any, shall be deemed  terminated and be of no further
effect.  If Tenant  remains in  possession  of the Leased  Premises  or any part
thereof after the  expiration  of the Term hereof  without  Landlord's  consent,
Tenant shall,  at Landlord's  option,  be treated as a tenant at sufferance or a
trespasser. Nothing contained herein shall be construed to constitute Landlord's
consent to Tenant holding over at the  expiration or earlier  termination of the
Term. Tenant hereby agrees to indemnify,  hold harmless and defend Landlord from
any cost,  loss,  claim or  liability  (including  reasonable  attorneys'  fees)
Landlord may incur as a result of Tenant's  failure to surrender  possession  of
the Leased Premises to Landlord upon the termination of this Lease.

     24.  Signs.
          -----

          Tenant shall not  inscribe,  paint,  affix,  or otherwise  display any
sign,  advertisement  or  notice  on any part of the  outside  or  inside of the
Building without Landlord's consent. Landlord shall provide at no cost to Tenant
a standard suite  identification  sign to be affixed by Landlord at the exterior
entrance to the Leased  Premises in the standard size,  color and style selected
by Landlord for the Building. Landlord shall also prepare and install at no cost
to Tenant a reasonable  quantity of standard name plates as designated by Tenant
on written notice to Landlord for the lobby  directory of the Building,  but not
more than one (1) plate per Two Thousand Five Hundred (2,500) square feet of the
Leased  Premises.  If any other signs  advertisements  or notices  are  painted,
affixed, or otherwise displayed without the prior approval of Landlord, Landlord
shall have the right to remove the same UPON TWENTY-FOUR (24) HOURS PRIOR NOTICE
TO TENANT WHO SHALL HAVE A REASONABLE  OPPORTUNITY TO MITIGATE ANY DAMAGES,  and
Tenant shall be liable for any and all costs and  expenses  incurred by Landlord
in such removal.

     25.  Options.
          -------

          (a)  Definition.  As used in this  Lease,  the word  "Option"  has the
               ----------
following  meaning:  (1) the right or option to extend the Term of this Lease or
to renew this Lease, and (2) the option or right of first refusal to lease the

                                       32
<PAGE>
Leased  Premises or the right of first offer to lease the Leased Premises or the
right  of first refusal to lease other space within the Building or the right of
first  offer  to  lease  other  space  within the Building, and (3) the right or
option  to  terminate  this  Lease prior to its expiration date or to reduce the
size  of  the Leased Premises.  Any Option granted to Tenant by Landlord must be
evidenced  by  a  written  option agreement attached to this Lease as a rider or
addendum  or  said  option  shall  be  of  no  force  or  effect.

          (b) Options Personal.  Each Option granted to Tenant in this Lease, if
              ----------------
any, is personal  to the  original  Tenant and any  Permitted  Transferee  under
Section  10(i) above and may be exercised  only by the  original  Tenant and any
Permitted Transferee while occupying not less than seventy-five percent (75%) of
the entire Leased Premises and may not be exercised or be assigned,  voluntarily
or  involuntarily,  by or to any  person or  entity  other  than  Tenant or such
Permitted  Transferee.  The Options,  if any,  herein  granted to Tenant are not
assignable  separate and apart from this Lease,  nor may any Option be separated
from this Lease in any manner,  either by  reservation  or otherwise.  If at any
time an Option is  exercisable  by  Tenant,  the Lease has been  assigned,  or a
sublease  exists as to any portion of the Leased  Premises,  the Option shall be
deemed null and void and neither Tenant nor any assignee or subtenant shall have
the right to exercise the Option.

          (c) Multiple Options. In the event that Tenant has multiple Options to
              ----------------
extend or renew this Lease a later Option  cannot be exercised  unless the prior
Option to extend or renew this Lease has been so exercised.

          (d)  Effect of  Default  on  Options.  Tenant  shall  have no right to
               -------------------------------
exercise an Option during the time that an Event of Default  exists.  The period
of time  within  which an  Option  may be  exercised  shall not be  extended  or
enlarged by reason of Tenant's  inability  to exercise an Option  because of the
provisions of this Section 25(d).

          (e) Notice of  Exercise  of Option.  Notwithstanding  anything  to the
              ------------------------------
contrary  contained  in Section  27(f),  Tenant may only  exercise  an option by
delivering its written notice of exercise to Landlord by certified mail,  return
receipt and date of delivery requested. It shall be Tenant's obligation to prove
that such notice was so sent in a timely manner and was delivered to Landlord by
the U.S. Postal Service.

     26.  Leasing Commission.
          ------------------

          Tenant  represents  and warrants  that,  except for  Tenant's  Leasing
Broker it has not  employed  or had  contact  with any broker  relative  to this
Lease.  Tenant shall  indemnify and hold harmless  Landlord from and against any
other claim or claims for brokerage or other fees or commissions arising from or
out of any breach of the foregoing  representation and warranty.  LANDLORD SHALL
BE RESPONSIBLE  FOR PAYMENT OF THE BROKERS' FEES TO TENANT'S  LEASING BROKER AND
LANDLORD'S  LEASING BROKER PURSUANT TO SEPARATE  AGREEMENTS BETWEEN LANDLORD AND
SUCH PARTIES.

     27.  General Provisions.
          ------------------

          (a) Binding Effect. The covenants,  conditions,  agreements, terms and
              --------------
provisions of this Lease shall be binding upon and shall inure to the benefit of
the parties hereof and, subject to the provisions of Section 10 hereof,  each of
their respective personal representatives, successors and assigns.

          (b) Laws.  It is the  intention of the parties  hereto that this Lease
              ----
(and the terms  and  provisions  hereof)  shall be  construed  and  enforced  in
accordance with the laws of the jurisdiction in which the Building is located.

          (c) Attorneys' Fees. If Landlord or Tenant brings an action to enforce
              ---------------
the terms hereof or declare rights  hereunder,  the prevailing party in any such
action, or appeal thereon,  shall be entitled to its reasonable  attorneys' fees
and court costs to be paid by the losing party as fixed by the court in the same
or  separate  suit,  and  whether or not such  action is pursued to  decision or
judgment.  The attorneys' fee award shall not be computed in accordance with any
court fee schedule,  but shall be such as to fully reimburse all attorneys' fees
and court costs reasonably incurred in good faith. Landlord shall be entitled to

                                       33
<PAGE>
reasonable  attorneys'  fees  and  all  other costs and expenses incurred in the
preparation  and  service  of notices of default and consultations in connection
therewith, whether or not a legal action is subsequently commenced in connection
with such default.  Landlord and Tenant agree that attorneys' fees incurred with
respect  to  defaults  and  bankruptcy  are  actual  pecuniary losses within the
meaning of Section 365(b)(1)(B) of the Bankruptcy Code or any successor statute.

          (d) Waiver. No failure by Landlord OR TENANT to insist upon the strict
              ------
performance of any term, covenant, agreement, provision, condition or limitation
of this  Lease or to  exercise  any  right or  remedy  consequent  upon a breach
thereof,  and no  acceptance  by the Landlord of full or partial rent during the
continuance of any such breach,  shall constitute a waiver of any such breach or
of any such term, covenant,  agreement,  provision,  condition or limitation. No
term, covenant, agreement,  provision,  condition or limitation of this Lease to
be kept,  observed or performed by Landlord or by Tenant, and no breach thereof,
shall be waived,  altered or modified except by a written instrument executed by
Landlord or by Tenant,  as the case may be. No waiver of any breach shall affect
or alter this Lease, but each and every term,  covenant,  agreement,  provision,
condition and  limitation of this Lease shall  continue in full force and effect
with respect to any other existing or subsequent  breach thereof.  No failure by
Landlord to insist upon the strict performance of any term, covenant, agreement,
provision,  condition  or  limitation  of a lease  with any  other  tenant or to
exercise any right or remedy consequent thereof shall constitute a waiver of any
similar term, covenant, agreement,  provision, condition or limitation contained
in this Lease unless the same be incorporated in a written  instrument signed by
Landlord  and  making  specific  reference  to this  Lease  and to the  Tenant's
obligations hereunder.

          (e)  Security   Interest.   In  consideration  of  the  covenants  and
               -------------------
agreements  contained  herein,  and as a material  consideration to Landlord for
entering  into this Lease,  Tenant hereby  unconditionally  grants to Landlord a
continuing  security interest in and to all personal property owned (not leased)
by Tenant and located or left at the Leased  Premises and the Security  Deposit,
if any,  and any advance  rent  payment or other  deposit,  now in or  hereafter
delivered to or coming into the possession,  custody or control of Landlord,  by
or for the account of Tenant,  together with any increase in profits or proceeds
from such property.  The security interest granted to Landlord hereunder secures
payment and  performance  of all  obligations  of Tenant under this Lease now or
hereafter  arising  or  existing,  whether  direct  or  indirect,   absolute  or
contingent,  or due or to become due. In the event of a default under this Lease
which is not cured within the applicable grace period,  if any,  Landlord is and
shall be entitled to all the rights, powers and remedies granted a secured party
under  the  Commonwealth  of  Virginia  Uniform  Commercial  Code and  otherwise
available  at law or in  equity,  including,  but not  limited  to, the right to
retain as damages the personal  property,  Security Deposit and other funds held
by  Landlord,  without  additional  notice or  demand  regarding  this  security
interest. Tenant agrees that it will execute such other documents or instruments
as may be reasonably necessary to carry out and effectuate the purpose and terms
of this Section,  or as otherwise  reasonably  requested by Landlord,  including
without limitation,  execution of a UCC-1 financing statement.  Tenant's failure
to execute such  documents  within ten (10) business  days after written  demand
shall  constitute a material default by Tenant  hereunder.  Tenant hereby waives
any rights it may have under the  Commonwealth  of Virginia  Uniform  Commercial
Code  which  are  inconsistent   with  Landlord's  rights  under  this  Section.
Landlord's  rights under this Section are in addition to Landlord's rights under
Sections 11 and 14.  NOTWITHSTANDING  ANYTHING TO THE CONTRARY CONTAINED IN THIS
SECTION  27(E),  THE SECURITY  INTEREST  GRANTED BY TENANT TO LANDLORD  SHALL BE
SUBORDINATE TO THE SECURITY INTEREST, IF ANY, GRANTED TO TENANT'S LENDERS IN THE
ORDINARY  COURSE OF TENANT'S  BUSINESS.  AT TENANT'S  REQUEST,  LANDLORD  SHALL,
WITHIN TEN (10) DAYS OF RECEIPT OF ANY SUCH LIEN WAIVER FROM  TENANT,  EXECUTE A
LIEN WAIVER,  THE FORM OF WHICH SHALL BE  REASONABLY  SATISFACTORY  TO LANDLORD,
WAIVING  LANDLORD'S  SECURITY  INTEREST IN THE COLLATERAL  DESCRIBED IN ANY SUCH
LIEN WAIVER.

          (f) Notices. No notice, request,  consent,  approval,  waiver or other
              -------
communication  which may be or is required or  permitted  to be given under this
Lease  shall be  effective  unless the same is in writing  and is  delivered  in
person or sent by  registered  or  certified  mail,  return  receipt  requested,
first-class postage prepaid,  (1) if to Landlord,  at Landlord's Notice Address,
or (2) if to Tenant, at Tenant's Notice Address,  or at any new address that may
be given by one party to the other by notice pursuant to this  subsection.  Such
notices,  if sent by registered or certified mail,  shall be deemed to have been
given ON THE DATE  RECEIVED OR REFUSED AT THE  APPROPRIATE  PARTY'S  ADDRESS FOR
NOTICE PURPOSES.

                                       34
<PAGE>
          (g) Entirety.  It is understood  and agreed by and between the parties
              --------
hereto that this Lease  contains  the final and entire  agreement  between  said
parties relative to the subject matter hereof,  and that they shall not be bound
by any terms, statements,  conditions or representations relative to the subject
matter hereof, oral or written,  express or implied, not herein contained. It is
understood  and agreed,  however,  that,  subject to the terms of Section  15(b)
hereof, the terms hereof shall be modified,  if so required,  for the purpose of
complying  with or fulfilling  the  requirements  of any mortgagee  secured by a
mortgage that may now be or hereafter  become a lien on the Building,  provided,
however,  that such  modification  shall  not be in  substantial  derogation  or
diminution  of any of the rights of the parties  hereunder,  nor increase any of
the obligations or liabilities of the parties hereunder.

          (h) Waiver of Jury.  Landlord and Tenant each hereby  waives all right
              --------------
to trial by jury in any claim,  action,  proceeding  or  counterclaim  by either
Landlord or Tenant  relating to this Lease  and/or  Tenant's use or occupancy of
the Leased Premises.

          (i) Waiver of Venue.  Tenant  hereby waives any objection to the venue
              ---------------
of any action filed by Landlord  against Tenant in any state or federal court of
the jurisdiction in which the Building is located, and Tenant further waives any
right,  claim or power, under the doctrine of forum non conveniens or otherwise,
                                              ----- --- ----------
to transfer any such action filed by Landlord to any other court.

          (j) Confidentiality.  Tenant acknowledges and agrees that the terms of
              ---------------
this Lease are  confidential and constitute  propriety  information of Landlord.
Disclosure of the terms hereof could adversely affect the ability of Landlord to
negotiate  other leases with  respect to the Building and may impair  Landlord's
relationship  with other tenants of the Building.  Tenant agrees that it and its
partners, officers, directors,  employees, brokers, and attorneys, if any, shall
not  disclose  the terms and  conditions  of this  Lease to any other  person or
entity  except  its  attorneys,   accountants,   auditors,   insurance   agents,
contractors and  consultants,  and as required by legal process or requirements,
without the prior written  consent of Landlord which may be given or withheld by
Landlord, in Landlord's sole, but reasonable,  discretion.  It is understood and
agreed that damages alone would be an  inadequate  remedy for the breach of this
provision  by Tenant,  and Landlord  shall also have the right to seek  specific
performance  of this  provision  and to seek  injunctive  relief to prevent  its
breach or continued breach.

          (k) Tenant Entity. If Tenant is a corporation,  it shall, concurrently
              -------------
with the signing of this  Lease,  furnish to  Landlord  certified  copies of the
resolutions  of its Board of  Directors  (or of the  executive  committee of its
Board of Directors)  authorizing  Tenant to enter into this Lease; and it shall,
if applicable,  furnish to Landlord  certified  copies of the resolutions of the
Board of Directors (or of the executive committee of such Board of Directors) of
any  corporate   guarantor,   authorizing  such  corporation  to  guarantee  the
obligations  of Tenant  under  this  Lease;  and it shall  furnish  to  Landlord
evidence (reasonably  satisfactory to Landlord and its counsel) that Tenant is a
duly organized corporation under the laws of the state of its incorporation,  is
qualified to do business in the  jurisdiction  in which the Building is located,
is in good standing under the laws of the state of its incorporation and has the
power and  authority  to enter into this Lease,  and that all  corporate  action
requisite to authorize  Tenant to enter into this Lease has been duly taken.  If
Tenant is a  partnership,  the  person  executing  this  Lease on behalf of such
partnership  hereby  represents  and  warrants  on behalf of such person and the
partners of Tenant that such person is  authorized  by Tenant to enter into this
Lease.

          (l) Time of Essence.  Time is of the essence in the performance of all
              ---------------
of Tenant's obligations under this Lease.

          (m) Words and  Phrases.  Wherever  appropriate  herein,  the  singular
              ------------------
includes  the plural and the plural  includes  the  singular  and neuter  gender
references shall refer to the gender of the particular party.

                                       35
<PAGE>
          (n) Limit on Landlord's  Liability.  Notwithstanding  any provision to
              ------------------------------
the contrary, Tenant shall look solely to the estate and property of Landlord in
and to the Building (or the proceeds received by Landlord FROM INSURANCE OR on a
sale of such  estate and  property  but not the  proceeds  of any  financing  or
refinancing  thereof)  AND TO ANY  INSURANCE  in the event of any claim  against
Landlord  arising out of or in connection with this Lease,  the  relationship of
Landlord and Tenant,  or Tenant's use of the Leased Premises,  and Tenant agrees
that the liability of Landlord and the other parties  referenced in Section 7(d)
hereof  arising out of or in connection  with this Lease,  the  relationship  of
Landlord and Tenant, or Tenant's use of the Leased Premises, shall be limited to
such estate and property of Landlord (or sale OR INSURANCE  proceeds).  No other
properties  or assets of Landlord  shall be subject to levy,  execution or other
enforcement  procedures for the  satisfaction of any judgment (or other judicial
process) or for the satisfaction of any other remedy of Tenant arising out of or
in  connection  with this Lease,  the  relationship  of  Landlord  and Tenant or
Tenant's use of the Leased  Premises,  and if Tenant shall  acquire a lien on or
interest in any other  properties  or assets by judgment  or  otherwise,  Tenant
shall  promptly  release such lien on or interest in such other  properties  and
assets by executing,  acknowledging  and delivering to Landlord an instrument to
that effect  prepared by Tenant's  attorneys.  No partnership  relation shall be
deemed created hereunder between Landlord and Tenant.  The foregoing  provisions
of this  subsection  shall  run to the  benefit  of  Landlord,  its  successors,
assigns, mortgagees and ground lessors.

          (o) Counterparts.  This Lease maybe executed in several  counterparts,
              ------------
but all such counterparts shall constitute one and the same instrument.

          (p) Exhibits and Addendum. Exhibits A (Floor Plan of Leased Premises),
              ---------------------
A-1   (Designation  of  Reserved   Parking),   B  (Intentionally   Omitted),   C
(Verification  Letter), D (Janitorial  Services),  E (Rules and Regulations),  F
(Subordination,  Non-Disturbance and Attornment Agreement), G (TENANT'S PERSONAL
PROPERTY),  and  Addendum,  if any,  attached  hereto,  are hereby  incorporated
herein.

                         [SIGNATURES ON FOLLOWING PAGE]

                                       36
<PAGE>
     IN  WITNESS  WHEREOF,  Tenant has caused this Lease, including the attached
Addendum,  if any, to be signed and attested in its corporate name by its proper
corporate  officers  and its corporate seal to be affixed as of the day and year
first  above  written  or  in  its  partnership  name,  as  the  case  may  be.

                                   LANDLORD:

                                   TYSONS II DEVELOPMENT CO. LIMITED PARTNERSHIP

                                   By: Its managing agent:

                                       Lerner Corporation

____________________________       By: /s/ Mark D. Lerner
                                      -----------------------------------
                                           Mark  D.  Lerner
                                           Executive Vice President

                                           TENANT:
                                           APACHE  MEDICAL  SYSTEMS,  INC.
ATTEST:

____________________________               By:     /s/ Peter Gladkin
Secretary  [corporate  seal]               -------------------------------------
                                           Name:   Peter Gladkin
                                           Title:  President and CEO

                                       37
<PAGE>
                                    EXHIBIT A

                                 LEASED PREMISES
                                 ---------------

                                      A-1
<PAGE>
                                   EXHIBIT A-1
                                   ===========

                                RESERVED PARKING
                                ================

                                [TO BE ATTACHED]

                        RESERVED PARKING SHALL CONSIST OF
                     PARKING SPACES CURRENTLY USED BY TENANT

                                     A-1-1
<PAGE>
                                    EXHIBIT B
                                    =========

                             (INTENTIONALLY OMITTED)
                             =======================

                                      B-1
<PAGE>
                                    EXHIBIT C
                                    =========
                               verification letter

APACHE  MEDICAL  SYSTEMS,  INC.,  a  ____________  corporation ("Tenant") hereby
certifies  that  it  has  entered  into  a  lease with TYSONS II DEVELOPMENT CO.
LIMITED  PARTNERSHIP,  a  Maryland limited partnership ("Landlord") and verifies
the  following  information  as  of  the  _____  day  of  ___________,  19__:

     Number  of  Rentable  Square  Feet  in  Leased  Premises:_________________
     Lease  Commencement  Date:          ______________________________________
     Lease  Termination  Date:           ______________________________________
     Tenant's  Proportionate  Share:     ______________________________________
     Initial  Basic  Rent:               ______________________________________
     Billing  Address  for  Tenant:      ______________________________________
                                         ______________________________________

     Attention:                          ______________________________________
     Telephone  Number:                  ______________________________________
     Federal  Tax  I.D.  No.:            ______________________________________

     Tenant  acknowledges  and  agrees  that all tenant improvements Landlord is
obligated  to  make to the Leased Premises, if any, have been completed and that
Tenant  has  accepted  possession of the Leased Premises and that as of the date
hereof,  there  exist  no offsets or defenses to the obligations of Tenant under
the  Lease.  Tenant  acknowledges  that it has inspected the Leased Premises and
found  them  suitable  for  Tenant's  intended  commercial  purposes.

                                         TENANT
                                         APACHE  MEDICAL  SYSTEMS,  INC.
                                         By:  _____________________________

                                         Its:  _____________________________

                       [SIGNATURES CONTINUED ON NEXT PAGE]

<PAGE>
ACKNOWLEDGED  AND  AGREED  TO:

LANDLORD
TYSONS  II  DEVELOPMENT  CO.  LIMITED  PARTNERSHIP
By:     Lerner  Enterprises  Limited  Partnership,
     its  general  partner

     By:  _________________________

          Theodore  N.  Lerner
          General  Partner

     By: _     _________________________
          Mark  D.  Lerner
          General  Partner

                                      C-1
<PAGE>
                                    EXHIBIT D
                                    =========

                               JANITORIAL SERVICES
                               ===================

SCOPE  -  The  Owner  intends  to  maintain the Building as a first-class office
-----
building  and  all  personnel  shall  be  of  the highest quality possible.  All
personnel  shall  be uniformed and identifiable with a security-type badge.  The
cleaning  contractor  shall  furnish  all labor, supplies, materials, equipment,
supervision  and  perform  satisfactorily  the  services  at the frequencies and
during  the  times specified.  The services shall include all functions normally
considered  a  part of workmanlike janitorial services.  The Building Management
reserves the right to modify these specifications at any time.  The contract for
this  assignment  shall  include  a  thirty  (30)  day  cancellation  clause.

I.   LOBBY:
     -----

     A.   DAILY SERVICES (Including Loading Dock and Service Area)
          --------------

          1.  Clean  and  polish  all  floors,  door  frames,  thresholds,  door
     hardware, glass, walls and direct6ory board.

          2. Empty all waste receptacles and cigarette urns (in  non-combustible
     containers).

          3. Sweep exterior entrances.

          4. Vacuum and/or sweep walkoff mats.

          5. Dust window ledges.

          6. High dust all ledges as necessary.

          7. Clean and dust balconies.

II.  OFFICE AREAS:
     -------------

     A.   DAILY SERVICES
          --------------

          1, Empty all waste receptacles, clean, if necessary.

          2. Empty all ashtrays (in non-combustible containers) and clean.

          3. Waste paper and trash shall be removed to the main  disposal  area.
     (Only the freight elevator shall be used for this task).

          4. Dust or damp mop all non-carpeted floors.

          5. All non-carpeted floors shall be maintained in a clean and polished
     condition  at all times and will be stripped  waxed and buffed as necessary
     to maintain a high-standard of appearance.

          6. Vacuum carpets and spot clean  including  under the desks,  tables,
     etc.  Special  attention  shall be given to removing  paper clips,  stapes,
     pencil shavings, rubberbands, cigarette butts, etc.

          7. Dust all  furniture,  files,  coat racks and ledges - including the
     base of chairs and other hidden areas.

          8. Damp wipe desk tops,  phones and tables to remove spillage,  finger
     marks, etc.

          9. Spot clean walls.

          10. Sanitize and polish all drinking fountains.

          11.  Remove finger marks and smudges from doors,  door frames,  walls,
     and light switches.

          12.  Dust a portion of  venetian  blinds so that all are dusted once a
     week.

          13.  Clean  tenant  kitchenettes  including  maintaining  floors  in a
     polished condition and high dust.

                                      D-1
<PAGE>
          14. Clean interior glass partitions.

     B.   WEEKLY SERVICES
          ---------------

          1. Dust all vertical  surfaces - door  frames,  desks,  files,  window
     mullions, etc.

          2. Dust horizontal surfaces above 70".

          3. Dust window sills.

          4. Whisk or vacuum furniture.

     C.   SEMI-ANNUALLY
          -------------

          1. Clean light lenses.

          2. Vacuum air vents in walls and ceilings.

          3. Dust all highhat light fixtures.

III. CORRIDORS/STAIRWELLS:
     --------------------

     A.   DAILY SERVICES
          --------------

          1. Vacuum and spot clean all carpeted areas.

          2. Spot clean corridor walls.

          3. Police and sweep all stairwell floors.

          4. Spot clean all doors, light switches, push plates, handles, etc.

          5. Clean and polish,  including  stripping,  waxing and  buffing,  all
     non-carpeted  corridor floors as necessary to maintain a  high-standard  of
     appearance.

     B.   WEEKLY SERVICES
          ---------------

          1. Mop all stairs and landings.

          2. Wipe down stairwell railing, piping, mechanical boxes, etc.

          3. Dust.

     C.   SEMI-ANNUALLY SERVICES
          ----------------------

          1. Clean light lenses.

          2. Vacuum air vents in walls and ceilings.

          3. Dust all pipes, fire connections, exit signs, etc.

IV.  TOILET ROOMS:
     ------------

     A.   DAILY SERVICES
          --------------

          1. Floors to be swept and wet mopped with germicide solution.

          2.  Sanitize  commodes,  urinals and wash basins - commode seats to be
     left in up position.

          3. Clean and polish all glass,  mirrors,  shelving,  dispensers chrome
     fixtures (above and below the counters, pipes, sink bowels, etc.

          4. Spot clean all walls and partitions.

          5. Traps shall be maintained free from odor at all times.

          6.  Wall  surfaces,  tile,  doors,  window  frames,  sills  and  waste
     receptacles shall be kept clean at all times.

                                      D-2
<PAGE>
          7. Replenish all paper towels,  toilet tissues,  sanitary  napkins and
     soap dispensers.

     B.   QUARTERLY
          ---------

          1. Wash and sanitize tile walls and booth partitions.

          2. Dust vents.

          3. Clean light lenses.

          4. Acid wash tile floors as necessary to clean grout.

V.   ELEVATORS:
     ---------

     A.   DAILY SERVICES
          --------------

          1. Clean and polish railings,  buttons, emergency telephone,  ceiling,
     and elevator track.

          2. Vacuum carpets and spot clean.

          3. Spot clean walls as necessary.

VI.  DAY PORTER AND MAIDS:
     --------------------

     A.   DAILY SERVICES
          --------------

          Contractor will provide day porters or maids as requested to be billed
separately  from  the  night  cleaning.  Duties  will  include  the  following:

          1. Keep lobby area clean.

          2. Police and restock restrooms.

          3. Police tenant kitchen.

          4. Police exterior grounds.

          5. All special assignments from the Manager of the Building.

                                      D-3
<PAGE>
                                    EXHIBIT E
                                    =========

                              RULES AND REGULATIONS
                              =====================

     The following rules and regulations have been formulated for the safety and
well-being  of  all  tenants  of the Building and are incorporated into and made
part of the attached Lease (hereinafter, the "Lease").  Adherence to these rules
and  regulations  insures  that  each  and  every  tenant  will enjoy a safe and
undisturbed  occupancy  in  the  Building.  Any  violation  of  these  rules and
regulations  by  any  tenant which continues after notice from Landlord shall be
sufficient  cause  for  termination,  at the option of Landlord, of any tenant's
Lease.

     Landlord shall have the continuing right to amend or eliminate any of these
rules  and  regulations,  and  also  to  adopt  additional  REASONABLE rules and
regulations of like force and effect.  Any such change shall be effective at the
earlier  of  actual  notice  or  five  (5) days after delivery of written notice
thereof  to  the  Leased  Premises  by  Landlord.

     Landlord  may,  upon  request  by  any  tenant,  for  good cause, waive the
compliance  by  such  tenant  of  any  of  the  following rules and regulations,
provided  that  (a)  no  waiver  shall be effective unless signed by Landlord or
Landlord's  authorized  agent,  (b) any such waiver shall not relieve the tenant
from  the obligation to comply with such rule or regulation in the future unless
expressly  consented  to  by Landlord, and (c) no waiver of a rule or regulation
granted  to  any  tenant  shall  relieve any other tenant from the obligation of
complying  with  the  rule or regulation unless such other tenant has received a
similar  waiver  in  writing  from  Landlord.  LANDLORD  SHALL  USE COMMERCIALLY
REASONABLE  EFFORTS  TO  ENFORCE  SUCH  RULES  AND  REGULATIONS IN A REASONABLE,
UNIFORM  AND  NON-DISCRIMINATORY  MANNER.

     1. The  sidewalks,  entrances,  passages,  and the  parking,  loading,  and
service areas,  Common Areas, or other parts of the Building not occupied by any
tenant  shall not be  obstructed  or  encumbered  by any  tenant or used for any
purpose  other  than  ingress  and  egress  to and from the  tenant's  premises.
Landlord shall have the exclusive right to control and operate the Common Areas,
and the facilities  furnished for the common use of the tenants of the Building,
in such manner as Landlord deems best for the benefit of the tenants  generally.
No tenant  shall  permit the visit to its premises of persons in such numbers or
under  such  conditions  as to  interfere  with the use and  enjoyment  by other
tenants of the Common  Areas.  Landlord  shall in any cases  retain the right to
control or prevent access by any person whose presence,  in Landlord's judgment,
would be prejudicial or harmful to the safety, peace, character or reputation of
the Building or of any tenant of the Building.

     2. No awnings or other  projections  shall be attached to the outside walls
of the  Building  without  the prior  written  consent of  Landlord.  No drapes,
blinds,  shades,  or  screens  shall  be  attached  to or  hung  in,  or used in
connection  with, any window or door of a tenant's  premises,  without the prior
written  consent of  Landlord,  except the blinds  CURRENTLY IN USE ON THE LEASE
COMMENCEMENT  DATE. If Landlord has  installed or hereafter  installs any shade,
blind or curtain  in any  premises,  no tenant  shall  remove it  without  first
obtaining  Landlord's  written consent thereto.  Approved blinds must be kept in
the down  position  at all times but may be pivoted  open or closed as chosen by
each tenant. Any other awnings, projections,  curtains, blinds, screens or other
fixtures  must be of a quality,  type,  design and color,  and  attached  in the
manner approved by Landlord.

     3. No sign,  advertisement,  notice or other  lettering shall be exhibited,
installed,  inscribed,  painted  or  affixed  by any  tenant  on any part of the
outside or inside of the tenant's premises or any window thereof, or any part of
the Building,  including the rear entrance and loading areas,  without the prior
written  consent of Landlord.  In the event of the violation of the foregoing by
any tenant, Landlord may remove same without any liability, and may

                                      E-1
<PAGE>
charge  the  expense incurred by such removal to the tenant or tenants violating
this  rule.  All  signs,  including  interior  signs  on the doors and directory
tablet shall be designed and installed by Landlord, and shall only identify each
tenant  and  be  of  a  size,  color and style acceptable to Landlord.  Approved
vending  machines  must  be  placed  so as to not be visible from outside of the
Building.

     4. No fixtures,  plumbing,  electrical equipment, show cases or other items
not shown on  approved  plans shall be  installed  or affixed to any part of any
tenant premises or the exterior of the Building, nor placed in the Common Areas,
without the prior written consent of Landlord.

     5. The toilet rooms,  water and wash closets,  and other plumbing  fixtures
shall  not be used for any  purposes  other  than  those  for  which  they  were
constructed,  and no  sweepings,  rubbish,  rags, or other  substances  shall be
thrown therein.  All damages  resulting from any misuse of the fixtures shall be
borne by the tenant  who, or whose  employees,  agents,  visitors or  licensees,
shall have caused the same.

     6.  EXCEPT  FOR THOSE  ALTERATIONS  FOR  WHICH  LANDLORD'S  CONSENT  IS NOT
REQUIRED  PURSUANT  TO SECTION  22(A) OF THE LEASE,  THERE  shall be no marking,
painting,  drilling  into or other form of  defacing  or damage of any part of a
tenant's  premises or the  Building.  No boring,  cutting or  stringing of wires
shall be done without the consent of Landlord.  If any tenant desires to install
signaling,  telegraphic,  telephonic, protective alarm or other wires, apparatus
or devices within its premises,  Landlord shall direct where and how they are to
be installed  and,  except as so directed,  no  installation,  boring or cutting
shall be  permitted.  Landlord  shall have the right (a) to prevent or interrupt
the  transmission of excessive,  dangerous or annoying current of electricity or
otherwise  into or through  the  Building  or the  premises,  (b) to require the
changing of wiring connections or layout at such tenant's expense, to the extent
that Landlord may deem necessary, (c) to require compliance with such reasonable
rules as  Landlord  may  establish  relating  thereto,  and (d) in the  event of
noncompliance  with such requirements or rules,  immediately to cut wiring or do
whatever  else it  considers  necessary  to  remove  the  danger,  annoyance  or
electrical  interference  with apparatus in any part of the Building.  Each wire
installed by any tenant must be clearly  tagged at each  distributing  board and
junction box and elsewhere  where  required by Landlord,  with the number of the
office to which such wire leads and the purpose  for which it is used,  together
with the name of such tenant or other concern, if any, operating or using it. No
tenant  shall  construct,  maintain,  use or  operate  within  its  premises  or
elsewhere  within or on the  outside of the  Building,  any  electrical  device,
wiring or apparatus  in  connection  with a loud  speaker  system or other sound
system.

     7. No tenant shall make,  or permit to be made,  any  disturbing  noises or
disturb or interfere with occupants of the Building or neighboring  buildings or
premises or those having  business with them,  whether by the use of any musical
instrument,  radio,  tape  recorder,  whistling,  singing,  or any other way. No
tenant shall throw anything out of the doors or windows or down the corridors or
stairs.

     8. No  bicycles,  vehicles or animals,  birds or pets of any kinds shall be
brought  into or kept in or about a  tenant's  premises.  Except in the  kitchen
and/or lounge facility shown on approved plans, AND EXCEPT FOR CATERED, IN-HOUSE
EVENTS,  no cooking shall be done or permitted by any tenant on its premises and
no tenant may install  and/or  operate any  additional  lounge or coffee room or
stove, sink and  refrigerator,  or the like. No tenant shall cause or permit any
unusual or  objectionable  odors to originate  from its  premises.  All approved
kitchen facilities must be adequately exhausted by Tenant.

     9. No  space  in or  about  the  Building  shall  be used  for the  sale of
merchandise, goods or property of any kind or for sleeping purposes.

                                      E-2
<PAGE>
     10. EXCEPT AS OTHERWISE PROVIDED IN THE LEASE, NO flammable, combustible or
explosive  fluid,  chemical  or  substance  shall be  brought  or kept  upon any
tenant's   premises,   unless  approved  by  the  appropriate  local  government
authority.  In any event,  each tenant  shall hold  harmless  Landlord  from any
damage caused by the same.

     11. No  additional  locks or bolts of any kind shall be placed  upon any of
the doors or windows by any  tenant,  nor shall any  changes be made in existing
locks or the mechanism  thereof  WITHOUT  LANDLORD'S  PRIOR  CONSENT.  The doors
leading to the  corridors  or main halls  shall be kept closed  during  business
hours except as they may be used for ingress and egress. Each tenant shall, upon
the  termination of its tenancy,  return to Landlord all keys used in connection
with its  premises,  including  any keys to the  premises,  to rooms and offices
within the  premises,  to  storage  rooms and  closets,  to  cabinets  and other
built-in furniture, and to toilet rooms, whether or not such keys were furnished
by  Landlord  or  procured  by tenant,  and in the event of the loss of any such
keys,  such tenant  shall pay to Landlord the cost of  replacing  the locks.  On
termination  of a tenant's  lease,  the tenant  shall  disclose to Landlord  the
combination  of all locks for safes,  safe  cabinets,  and vault doors,  if any,
remaining in the premises.

     12.  All  removals,  or the  carrying  in or out  of  any  safes,  freight,
furniture or bulky matter of any description, must take place in such manner and
during  such hours as  Landlord  may  require.  Landlord  reserves  the right to
inspect  all freight to be brought  into the  Building  and to exclude  from the
Building all freight which  violates any of these rules and  regulations  or the
Lease.

     13. Any person  employed  by any tenant to do  janitorial  work  within the
tenant's premises must obtain Landlord's  consent prior to commencing such work,
and such person  shall,  while in the  Building  and  outside of said  premises,
comply with all instructions  issued by the  superintendent  of the Building and
must be properly identified.  No tenant shall engage or pay any employees on the
tenant's  premises,  except  those  actually  working  for such  tenant  on said
premises.

     14. No tenant  shall  purchase  spring  water,  ice,  coffee,  soft drinks,
towels,  or other like  merchandise  or service from any company or person whose
repeated violations of Building  regulations have caused, in Landlord's opinion,
a hazard or nuisance to the Building and/or its occupants.

     15. Landlord shall have the right to prohibit any advertising by any tenant
which, in Landlord's opinion,  tends to impair the reputation of the Building or
its desirability as a place for offices,  and upon written notice from Landlord,
such tenant shall refrain from or discontinue such advertising.

     16.  Landlord  reserves the right to exclude from the Building at all times
any  person  who is not  known  or does not  properly  identify  himself  to the
Building  management  or its agents.  Landlord  may, at its option,  require all
persons  admitted to or leaving the Building to  register.  Each tenant shall be
responsible for all persons for whom it authorizes entry into the Building,  and
shall be liable to Landlord for all acts of such  persons.  Landlord  shall also
have the right to install an electronic  access  control system for the Building
requiring the use of pass cards, identifications cards, passwords,  confidential
codes  or the  like as a  prerequisite  to  admission  of any  person  into  the
Building, and tenant agrees to faithfully abide by the rules of any such system.
If cards or the like are used in any such  system,  each tenant  shall be issued
two (2) without charge,  but each additional or replacement card requested shall
be issued only upon payment of a standard service fee per card.

     17. Each tenant,  before closing and leaving its premises at any time, even
though the Lease may be net of  utilities,  should  use its best  efforts to see
that all lights, electrical appliances and mechanical equipment are turned off.

                                      E-3
<PAGE>
     18. The  requirements of tenants will be attended to only upon  application
at the management office for the Building.  Building employees shall not perform
any work or do anything  outside of their regular  duties,  unless under special
instructions from the management of the Building.

     19.  Canvassing,   soliciting  and  peddling  in  the  public  Building  is
prohibited  and each  tenant  shall  cooperate  to prevent  the same,  including
notifying Landlord when and if such activity occurs.

     20.  There  shall not be used in any space,  or in any public  halls of the
Building, either by a tenant or by jobbers or others, in the delivery or receipt
of  merchandise,  any hand trucks,  except those  equipped with rubber tires and
side guards.

     21.  Access plates to  under-floor  conduits  shall be left exposed.  Where
carpet is installed, carpet shall be cut around access plates.

     22.  Mats,  trash  or other  objects  shall  not be  placed  in the  public
corridors.

     23.  Drapes which are visible  from the  exterior of the  Building  must be
cleaned by each tenant at least once a year,  without  notice,  at such tenant's
own expense.

     24. All office  equipment of any  electrical of mechanical  nature shall be
placed by any tenant in its  premises in approved  settings to absorb or prevent
any vibration, noise or annoyance.

     25.  Tenant shall not permit or cause to be used in any premises any device
or  instrument  such as a sound  reproduction  system,  or  excessively  bright,
changing, flashing, flickering, moving lights or lighting devices or any similar
devices,  the effect of which shall be audible or visible beyond the confines of
the demised premises,  nor shall tenant permit any act or thing upon the demised
premises distributing to normal sensibilities of other tenants.

     26.  All  moving  of  safes,  freight,  furniture  or bulky  matter  of any
description,  to or from any  premises  shall only take  place  during the hours
designated  by the  Landlord.  Hand trucks may be used only if they are equipped
with  rubber  tires and side  guards,  and only in  designated  delivery  areas.
Damages caused thereby shall be borne by Tenant.

     27.  Tenant  shall not use the  premises  as  headquarters  for large scale
employment of workers for other locations.

     28. The premises shall never at any time be used for any immoral or illegal
purposes.

     29. Landlord shall have the right, from time to time, to designate specific
parking  spaces in the  parking  areas for the  Building as being  reserved  for
specific tenants or for members of the general public,  or designated for trucks
only,  and each tenant agrees to honor such  reservations  and to permit parking
for officers and  employees  only in those  parking  spaces  available  for such
purposes.  Violators can be towed at their own expense.  Landlord shall have the
further right,  during holiday seasons or at other times when parking spaces may
be in short supply, to temporarily change or restrict  established parking areas
in order to provide  additional public parking,  and tenant agrees to honor such
temporary changes and restrictions. Trucks of any tenant's vendors are not to be
left at the  Building.  Landlord  makes no  warranty as to the  availability  of
parking spaces for any tenant unless  specific  spaces have been reserved as set
forth above.

                                      E-4
<PAGE>
     30. Any utilities  meters  approved by Landlord shall be placed in the name
of such tenant  immediately  upon occupancy and, at that time, each tenant shall
provide verification of the meters being in its name to Landlord.

     31. Landlord does not maintain suite finishes which are  non-standard  such
as kitchens, bathrooms, wallpaper, special lights, etc. However, should the need
for repairs  arise,  Landlord  will  arrange for the work to be done at tenant's
expense.

     32. Nothing in these rules and regulations  shall give any tenant any right
or claim  against  Landlord or any other person if Landlord does not enforce any
of them  against any other  tenant or person  (whether or not  Landlord  has the
right  to  enforce   them   against   such  tenant  or  person),   and  no  such
non-enforcement  with  respect to any tenant  shall  constitute  a waiver of the
right to enforce them as to such tenant or any other tenant person thereafter.

     33. Each tenant and its employees,  agents and invitees,  shall observe and
comply  with  the  driving  and  parking  signs  and  markers  on  the  premises
surrounding the Building. And, Landlord shall have the right to rescind, suspend
or modify  the rules and  regulations  and to  promulgate  such  other  rules or
regulations as, in Landlord's reasonable judgment,  are from time to time needed
for the safety, care, maintenance, operation and cleanliness of the Building, or
for the preservation of good order therein.  Upon any tenant's having been given
notice of the  taking of any such  action,  the  rules  and  regulations,  as so
rescinded,  suspended,  modified or  promulgated,  shall have the same force and
effect as if in effect at the time at which such tenant's Lease was entered into
(except that nothing in these rules and  regulations  shall be deemed in any way
to alter or impair any provision of such Lease)

                                      E-5
<PAGE>
                                    EXHIBIT F
                                    =========

                         SUBORDINATION, NON-DISTURBANCE
                         ==============================
                            AND ATTORNMENT AGREEMENT
                            ========================

THIS  SUBORDINATION,  NON-DISTURBANCE  AND ATTORNMENT AGREEMENT ("Agreement") is
made  by and between APACHE MEDICAL SYSTEMS, INC., a                corporation,
("Tenant") (as defined below), and TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF
AMERICA,  a  New  York  corporation  ("Lender").

DEFINITIONS:
-----------

1.     Borrower     Tysons  II  Development  Co.  Limited  Partnership

2.     Tenant:      APACHE  MEDICAL  SYSTEMS,  INC.

3.     Property:    The  real property  located at 1650 Tysons  Boulevard in the
                         County  of  Fairfax,   Commonwealth  of  Virginia,   as
                         described on Exhibit "A" and all fixtures thereon.

4.     Landlord:    The  landlord under the Lease and its successors and assigns
                         from  time  to  time  except  a  "Successor   Landlord"
                         (defined in Appendix I).
                                     ----------

5.     Lease:

                    The  lease,  dated  ____________  ___,  1999, by and between
                         Borrower,  as landlord,  and Tenant, as tenant, and any
                         amendments that may occur from time to time: for a term
                         of  approximately  7 years that  commences  on or about
                         December 1, 1999.

6.     Leased Space:Suite No. 300 leased to Tenant pursuant to the Lease.

7.     Loan:        The  loan from Lender to  Borrower,  including  any advances
                         and increases,  secured by, among other things,  a lien
                         on the Property.

8.     Mortgage:    The  Deed of  Trust,  Assignment  of  Leases  and  Rents and
                         Security  Agreement by Borrower in favor of Lender,  as
                         amended  or  consolidated  from  time  to  time,  to be
                         recorded  in the  Official  Records  of the  County  of
                         Fairfax,  Commonwealth of Virginia (the "Land Records")
                         to secure the loan.

9.     Assignment:  The  Assignment of Leases and Rents, by Borrower in favor of
                         Lender,  as amended or consolidated  from time to time,
                         to be recorded in the Land Records to secure the Loan.

10.     Rent:       Annual Office Base Rent:  $650,656.50;  Monthly Parking Rent
                         (per space): $70.00.

                                      F-1
<PAGE>
                                    EXHIBIT F
                                   (CONTINUED)

     IN  WITNESS  WHEREOF,  Lender  and  Tenant have executed and delivered this
Agreement  as  of  ___________  ___,  1999.

                              APACHE  MEDICAL  SYSTEMS,  INC.
                              A______________corporation

                              By:___________________________
                                   Name:____________________
                                   Title____________________

                              TEACHERS  INSURANCE  AND  ANNUITY
                              ASSOCIATION  OF  AMERICA,
                              a  New  York  corporation

                              By:_______________________________
                                   Name:________________________
                                   Title________________________

                                      F-2
<PAGE>
                                    EXHIBIT F
                                   (CONTINUED)

COUNTY  OF    ________________________

STATE  OF     ________________________

     I  hereby  certify that on this _____ day of ____________, 1999, before me,
the  subscriber,  a  Notary  Public,  in and for the State and County aforesaid,
personally  appeared  _____________________________________________  (title)  of
APACHE  MEDICAL  SYSTEMS,  INC.,  a           corporation, and on behalf of said
corporation  did  acknowledge  the  foregoing Subordination, Non-Disturbance and
Attornment  Agreement  to  be  act  and  deed  of  said  body  corporate.

     Witness  my  hand  and  notarial  seal.

                               _____________________________
                               Notary  Public

My  commission  expires:_______________________________

COUNTY  OF    ________________________

STATE  OF     ________________________

     I hereby certify that on this _____ day of __________, 1999, before me, the
subscriber,  a  Notary  Public,  in  and  for  the  State  and County aforesaid,
personally  appeared  _____________________________________________  (title)  of
TEACHERS  INSURANCE  AND ANNUITY ASSOCIATION OF AMERICA, a New York corporation,
and  on  behalf of said corporation did acknowledge the foregoing Subordination,
Non-Disturbance  and  Attornment  Agreement  to  be  act  and  deed of said body
corporate.

     Witness  my  hand  and  notarial  seal.

                              _____________________________
                              Notary  Public

My  commission  expires:_____________________________

                                      F-3
<PAGE>
                                    EXHIBIT F
                                   (CONTINUED)

                               A P P E N D I X "I"
                               -------------------

RECITALS:
--------

     A.     Borrower  and  Tenant  have  executed  the  Lease  pursuant to which
Borrower  leased  to  Tenant  the  Leased  Space.

     B.     Tenant  and  Lender  desire  to  agree on the relative priorities of
their  interests  in  the  Property  and their rights and obligations if certain
events  occur.

     NOW, THEREFORE, for good and sufficient consideration, the parties agree as
set  forth  below.

     1.     Tenant  and  Lender  agree  that  until the Mortgage is satisfied of
record:

          (a)     The  Lease  and all of Tenant's rights under the Lease are and
will  remain  subject and subordinate to the Mortgage and to all future advances
made  under  the Mortgage and to any other mortgage or other security instrument
on  the  Property  now  or  in  the  future  held  by Lender and Tenant will not
subordinate  the  Lease  to any other lien against the Property without Lender's
prior  consent;

          (b)     Except for any security deposit, Tenant will not pay Rent more
than  one  month  in  advance  and  will  not  offset  against  Rent;

          (c)     Upon  receipt  of notice from Lender, Tenant will pay the rent
as  and  when  due  under  the Lease to Lender and the payments will be credited
against  the  Rent  due  under  the  Lease;  and

          (d)     Tenant  does not have and will not acquire any right or option
to  purchase  any  portion  of  or  interest  in  the  Property.

     2.     Tenant may enter into amendments of the Lease without Lender's prior
consent,  except  as  follows:

          (a)     Except as permitted in the Mortgage or Assignment, Tenant will
not  enter  into any amendment that reduces the Rent due under the Lease without
Lender's  prior  consent  which will not be unreasonably withheld, except Tenant
may  agree to a rent reduction without Lender's prior consent in connection with
an  extension  or renewal of the Lease but only if the rent for the extension or
renewal  period  is consistent with then prevailing market terms for like space;

          (b)     Except as permitted in the Mortgage or Assignment, Tenant will
not  amend the Lease to reduce the initial term of the Lease or any renewal term
of  the Lease after the renewal has been exercised, will not terminate or cancel
the Lease and will not surrender the Leased Space without Lender's prior consent
which  will  not  be  unreasonably  withheld,  provided that during the last six
                                               --------
months  of the initial or any renewal term of the Lease, Tenant may terminate or
cancel  the  Lease or surrender the Leased Space without Lender's prior consent;
and

          (c)     If  Tenant  is  a major department store or anchor tenant in a
shopping  center  or if the Leased Space is 50% or more of the net rentable area
of  the  building(s) located on the Property, Tenant will not amend the Lease in
any  way  without  Lender's  prior  consent.

                                      F-4
<PAGE>
     3.     If  Tenant  is  not  in  default  under this Agreement and is not in
default beyond any applicable grace and cure periods under the Lease, Tenant and
Lender  agree  as  follows:

          (a)     If  Lender commences a judicial or non-judicial foreclosure or
other  proceeding  to  enforce  the  Mortgage or exercises any power of sale (an
"Action"),  Lender  will not name Tenant as a party to the Action unless joinder
 ------
is  required  under  applicable  law  and  in  such  case  Lender  will not seek
affirmative  relief  from  Tenant, the Lease will not be terminated and Tenant's
possession  will  not  be  disturbed;

          (b)     If  Lender  or  any  other  entity  (a  "Successor  Landlord")
acquires  the  Property  through an Action or by deed-in-lieu of foreclosure (an
"Acquisition"),  Successor  Landlord will not disturb Tenant's possession of the
 -----------
Leased  Space,  the  Lease will continue in full force and effect with Successor
Landlord  and  Tenant  bound  by  the  Lease;  and

          (c)     If,  notwithstanding the foregoing, the Lease is terminated as
a  result  of  an  Action, a lease between Successor Landlord and Tenant will be
deeded  created  on  the  same  terms  as  the Lease except that the term of the
replacement  lease  will  be  the  then  unexpired term of the Lease.  Successor
Landlord  and  Tenant  will  execute  a  replacement  lease on such terms as the
request  of  either.

     4.     Upon  an  Acquisition  Tenant will recognize and attorn to Successor
Landlord  as the landlord under the Lease for the balance of the term.  Tenant's
attornment  will  be  self-operative  with  no  further  instrument  required to
effectuate  the  attornment  except that at Successor Landlord's request, Tenant
will  execute  instruments  reasonably  satisfactory  to  Successor  Landlord
confirming  the  attornment.

     5.     Successor  Landlord  will  not  be:

          (i)  liable for any act or omission of Landlord occurring prior to the
               date of Acquisition except for repair and maintenance obligations
               of a continuing nature imposed on the landlord under the Lease:

          (ii) required  to credit  Tenant  with any Rent for any rental  period
               beyond the then current rental period or for any security deposit
               unless it has been received by Successor Landlord;

          (iii)bound by any  amendment,  renewal or  extension of the Lease that
               is not in writing  signed by both  Tenant and  Landlord,  that is
               inconsistent  with the terms of this  Agreement  or that was made
               without  Lender's  prior  consent,  if Lender's prior consent was
               required under the terms of this Agreement;

          (iv) subject  to  any  credits,  offsets,  claims,   counterclaims  or
               defenses that Tenant may have against  Landlord  arising prior to
               the date of Acquisitions;

          (v)  liable  for any  damages  Tenant  may  suffer  as a result of any
               misrepresentation, breach of warranty or any act of or failure to
               act by any party other than Successor Landlord;

          (vi) obligated  to make any payment or to give any credit or allowance
               to Tenant including,  without  limitation,  for any improvements,
               demolition  or other  work in the  Leased  Space or the  Property
               (other than to reconstruct  after a casualty or  condemnation  if
               the  insurance  or  condemnation  proceeds  are paid to Successor
               Landlord)   or  to   undertake   or  complete   construction   of
               improvements  in the Leased  Space or the  Property or to pay any
               leasing commissions arising out of the Lease; or

                                      F-5
<PAGE>
          (vii)liable for any  obligations  of Landlord with respect to off-site
               property or  facilities  for the use of Tenant  (such as off-site
               leased  space or  parking)  unless  Successor  Landlord  succeeds
               through Acquisition to Landlord's right, title or interest in the
               off-site property.

     6.     Lender  will  have  the  right,  but not the obligation, to cure any
default  by  Borrower under the Lease.  Tenant will notify Lender of any default
by  Borrower  that would entitle Tenant to terminate the Lease or abate the Rent
and  any  notice of termination or abatement will not be effective unless Tenant
has  so notified Lender of the default and Lender has had a thirty (30) day cure
period  (or  such  longer  period  as  may  be  necessary  if the default is not
susceptible to cure within thirty (30) days commencing on the latest to occur of
the  date  on  which  (i)  the  cure period under the Lease expires; (ii) Lender
receives  the  notice  required  by this paragraph; and (iii) Successor Landlord
obtains  possession  of  the  Property if the default is not susceptible to cure
without  possession.

     7.     Tenant  certifies  that the Lease represents the entire agreement
between  Borrower and Tenant  regarding the Leased  Space;  the Lease is in full
force and  effect;  neither  party is in  default  under the  Lease  beyond  any
applicable  grace and cure  periods  and not event has  occurred  which with the
giving of notice or passage of time would  constitute a default under the Lease;
Tenant has entered into  occupancy  and is open and  conducting  business in the
Leased Space and all  conditions  to be performed to date by Landlord  have been
satisfied.

     8.     Upon  not  less  than  twenty  (20)  days prior request from Lender,
Tenant  will  execute, acknowledge and deliver to Lender an estoppel certificate
containing  the  information  required  by  the  Lease and any other information
reasonably  requested  by  Lender.

     9.     All  notices, requests or consents required or permitted to be given
under  this  Agreement  must  be  in  writing and sent by certified mail, return
receipt  requested  or  by  nationally  recognized  overnight  delivery  service
providing  evidence of the date of delivery, with all charges prepaid, addressed
to  the  appropriate  party  at  its  Notice  Address.

     10.     Tenant  acknowledges  and  agrees  that  this Agreement constitutes
notice  to  Tenant  of  the existence of the Mortgage and that the Lease and the
Rent  have  been  assigned  to  Lender  as  security  for  the  Loan.

     11.     Any  claim by Tenant against Successor Landlord under this Lease or
this  Agreement will be satisfied solely out of Successor Landlord's interest in
the  Property  and  Tenant  will  not  seek recovery against or out of any other
assets  of  Successor  Landlord.  Successor  Landlord  will have no liability or
responsibility  for any obligations under the Lease that arise subsequent to any
transfer  of  the  Property  by  Successor  Landlord.

     12.     This  Agreement  is governed by and will be construed in accordance
with  the  laws  of  the state or commonwealth in which the Property is located.

     13.     Lender and Tenant waive trial by jury in any proceeding brought by,
or  counterclaim  asserted  by,  Lender  or  Tenant  relating to this Agreement.

                                      F-6
<PAGE>
     14.     If  there  is  a  conflict  between the terms of the Lease and this
Agreement,  the  terms  of  this Agreement will prevail.  If there is a conflict
between  the terms of the Lease and the Mortgage, the terms of the Mortgage will
prevail.

     15.     This Agreement binds and inures to the benefit of Lender and Tenant
and  their  respective  successors,  assigns,  heirs, administrators, executors,
agents  and  representatives.

                                      F-7
<PAGE>
                                    EXHIBIT G
                                    =========

                           TENANT'S PERSONAL PROPERTY
                           ==========================

Tenant's  personal  property  shall  include:

-    Reception  desks

-    Shelves,  credenzas  and  cabinets

-    Chalkboards,  whiteboards,  screens,  partitions  and  presentation  cases

-    Artwork

-    Furniture,  systems  furniture  and  furnishings

-    Telephone  systems  and  computer  equipment

<PAGE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00006-of-00352.parquet"}]]