Document:

FINANCIAL
      ADVISORY AND INVESTMENT BANKING AGREEMENT

    

    This
      Agreement is made and entered into as of the ______
      day of
__________,
      2006
      between Lane Capital Markets, LLC (the "Consultant")
      and
      ValueRich, Inc., a corporation organized under the laws of the State of Delaware
      (the "Company").
      All
      references to the Company shall include any and all subsidiaries thereof in
      existence on date hereof and to be formed within the term specified in Paragraph
      2 hereof.

    

    In
      consideration of the mutual promises made herein and for other good and valuable
      consideration, the receipt and sufficiency of which is hereby acknowledged,
      the
      parties hereto agree as follows:

    

    1.
      Purpose:
       The
      Company hereby engages the Consultant for the term specified in Paragraph 2
      hereof to render advice to the Company as an investment banker relating to
      financial and similar matters upon the terms and conditions set forth
      herein.

    

    2.
       Term:
       Except
      as
      otherwise specified in Paragraph 4 hereof, this Agreement shall be effective
      for
      a thirty-six (36) month period, commencing on the closing date (the
      "Closing
      Date")
      of the
      Company's initial public offering of securities pursuant to an effective
      Registration Statement on Form SB-2 (File No.: 333-135511) (the "Registration
      Statement").

    

    3.
       Duties
      of the Consultant:
       During
      the term of this Agreement, the Consultant shall, upon the request of the
      Company, provide the Company with corporate finance and related financial
      advisory services, advice with respect to potential acquisitions and other
      business transactions and advice with respect to stockholder relations matters.
      The Consultant shall devote such time and effort to the performance of its
      duties hereunder as the Consultant shall determine is reasonably necessary.
      The
      Consultant may look to such others for such factual information, investment
      recommendations, economic advice and/or research, upon which to base its advice
      to the Company hereunder, as it shall deem appropriate. The Company recognizes
      that the Consultant now renders and may continue to render financial and other
      advisory services to other companies which may or may not have policies and
      conduct activities similar to those of the Company, and acknowledges that the
      Consultant shall be free to render advice and to perform those services for
      such
      other companies.

    

    4.
       Compensation:
      In
      consideration for the services rendered by the Consultant to the Company
      pursuant to this Agreement (and in addition to the expenses provided for in
      Paragraph 5 hereof), the Company shall pay the Consultant a non-refundable
      fee
      of $36,000 per twelve-month period of the Term, payable in advance on the
      Closing Date. 

     

    5.
       Expenses
      of the Consultant:
      In
      addition to the fees payable hereunder and regardless of whether any Transaction
      is proposed or consummated, the Company shall reimburse the Consultant for
      the
      reasonable fees and disbursements of the Consultant's counsel and the
      Consultant's reasonable travel and out-of-pocket expenses incurred in connection
      with the services performed by the Consultant pursuant to this Agreement and
      at
      the request of the Company, including without limitation, hotels, food and
      associated expenses and long-distance telephone calls. Such expenses shall
      not
      exceed $10,000 without the prior written consent of the Company, which shall
      not
      be unreasonably withheld.

    

    
      
         

      

      
        
        

        
          

        

      

      
         

      

    

     

    6.
       Liability
      of the Consultant:
      In
      furnishing the Company with advice and other services as herein provided,
      neither the Consultant nor any officer, director or agent thereof shall be
      liable to the Company or its creditors for errors of judgment or for anything,
      except for the Consultant's gross negligence or intentional or willful
      misconduct in the performance of its duties under this Agreement.

    

    (a)
       It
      is
      further understood and agreed that the Consultant may rely upon information
      furnished to it reasonably believed to be accurate and reliable and that, except
      as herein provided, the Consultant shall not be accountable for any loss
      suffered by the Company by reason of the Company's action or inaction on the
      basis of any advice, recommendation or approval of the Consultant, its partners,
      employees or agents.

    

    (b)
       The
      Company acknowledges that all opinions and advice (written or oral) given by
      the
      Consultant to the Company in connection with the Consultant's engagement are
      intended solely for the benefit and use of the Company in considering the
      transaction to which they relate, and the Company agrees that no person or
      entity other than the Company shall be entitled to make use of or rely upon
      the
      advice of the Consultant to be given hereunder, and no such opinion or advice
      shall be used for any other purpose or reproduced, disseminated, quoted or
      referred to at any time, in any manner or for any purpose, nor may the Company
      make any public references to the Consultant, or use the Consultant's name
      in
      any annual reports or any other reports or releases of the Company without
      the
      Consultant's prior written consent.

    

    (c)
       The
      Company acknowledges that the Consultant makes no commitment whatsoever as
      to
      making a market in the Company's securities or to recommending or advising
      its
      clients to purchase the Company's securities, except as otherwise provided
      for
      in the 

    Underwriting
      Agreement between the Company and the Consultant in connection with the
      Company's Registration Statement. Research reports or corporate finance reports
      that may be prepared by the Consultant will, when and if prepared, be done
      solely on the merits based upon an analysis performed by the Consultant and
      its
      corporate finance personnel.

    

    7.
      Company
      Information:

    

    (a)
       The
      Company shall furnish to the Consultant all data, material and other information
      relevant to the performance by the Consultant of its obligations under this
      Agreement, or particular projects as to which the Consultant is acting as
      advisor, which will permit the Consultant to know all facts material to the
      advice to be rendered, and all material or information reasonably requested
      by
      the Consultant. The Company acknowledges and agrees that in performing its
      services under this engagement, the Consultant may rely upon the data, material
      and other information supplied by the Company without independently verifying
      the accuracy, completeness or veracity of same. In the event that the Company
      fails or refuses to furnish any such data, material or information reasonably
      requested by the Consultant, and thus prevents or impedes the Consultant's
      performance hereunder, any inability of the Consultant to perform shall not
      be a
      breach of its obligations hereunder.

     

    
      
         

      

      
        2

        
          

        

      

      
         

      

    

    

    (b)
       Except
      as
      contemplated by the terms hereof or as required by applicable law, the
      Consultant shall keep confidential all non-public information provided to it
      by
      the Company and shall not disclose such information to any third party without
      the Company's prior written consent, other than to such of its employees and
      advisors as the Consultant determines in its sole judgment need to have access
      thereto. Notwithstanding the foregoing, the Consultant shall not be required
      to
      maintain confidentiality with respect to information (i) which is or becomes
      part of the public domain; (ii) of which it had independent knowledge prior
      to
      disclosure; (iii) which comes into the possession of the Consultant or its
      employees or agents in the normal and routine course of its own business from
      and through independent non-confidential sources; or (iv) which is required
      to
      be disclosed by the Consultant pursuant to legal process or in accordance with
      governmental or regulatory requirements. If the Consultant is requested or
      required (by oral questions, interrogatories, requests for information or
      document subpoenas, civil investigative demands, or similar process) to disclose
      any confidential information supplied to it by the Company, or the existence
      of
      other negotiations in the course of its dealings with the Company or its
      representatives, the Consultant shall, unless prohibited by law, promptly notify
      the Company of such request(s) so that the Company may seek an appropriate
      protective order.

    

    8.
       Indemnification:
       The
      Company agrees to indemnify and hold harmless the Consultant, its partners,
      employees, agents, representatives and controlling persons (and the officers,
      directors, employees, agents, representatives and controlling persons of each
      of
      them) from and against any and all losses, claims, damages, liabilities, costs
      and expenses (and all actions, suits, proceedings or claims in respect thereof)
      and any legal or other expenses in giving testimony or furnishing documents
      in
      response to a subpoena or otherwise (including, without limitation, the costs
      of
      investigating, preparing or defending any such action, suit, proceeding or
      claim, whether or not in connection with any action, suit, proceeding or claim
      in which the Consultant is a party), as and when incurred, directly or
      indirectly, caused by, relating to, based upon or arising out of the
      Consultant's service pursuant to this Agreement. The Company further agrees
      that
      the Consultant shall incur no liability to the Company or any other party on
      account of this Agreement or any acts or omissions arising out of or related
      to
      the actions of the Consultant relating to this Agreement or the performance
      or
      failure to perform any services under this Agreement, except for the
      Consultant's gross negligence or intentional or willful misconduct.
      Notwithstanding anything contained herein to the contrary, the Company shall
      not
      indemnify the Consultant, and shall incur no liability to the Consultant, for
      any losses, claims, changes, liabilities, costs and expenses arising out of
      or
      related to the Consultant's violation of any rules or regulations promulgated
      by
      the Securities and Exchange Commission. The obligations of the Company under
      the
      Section shall survive the termination of this Agreement.

    

    9.
       Independent
      Contractor:
       the
      Consultant shall perform its services hereunder as an independent contractor
      and
      not as an employee of the Company or an affiliate thereof. It is expressly
      understood and agreed to by the parties hereto that the Consultant shall have
      no
      authority to act for, represent or bind the Company or any affiliate thereof
      in
      any manner, except as may be agreed to expressly by the Company in writing
      from
      time to time.

    

    
      
         

      

      
        3

        
          

        

      

      
         

      

    

     

    10.
      Miscellaneous:

    

    (a)
       This
      Agreement between the Company and the Consultant constitutes the entire
      agreement and understanding of the parties hereto and supersedes any and all
      previous agreements and understandings, whether oral or written, between the
      parties with respect to the matters set forth herein.

    

    (b)
       Any
      notice or communication permitted or required hereunder shall be in writing
      and
      shall be deemed sufficiently given if hand-delivered or sent (i) postage prepaid
      by registered mail. Return receipt requested, or (ii) by facsimile, to the
      respective parties as set forth below, or to such other address as either party
      may notify the other in writing:

    

    

    
      	
              To
                the Company:

            	 	
              ValueRich,
                Inc.

              1804
                N. Dixie Highway, Ste. A

              West
                Palm Beach, FL 33497

              Tel:
                (561) 832-8878

              Fax
                (561) 841-1524

              Attn:
                Joseph Visconti, CEO

            
	 	 	 
	
              With
                a copy to:

            	 	
              Lehman
                & Eilen, LP

              Mission
                Bay Office Plaza

              20283
                State Road 7, Ste 300

              Boca
                Raton, FL 33498

              Tel:
                (561) 237-0804

              Fax:
                (561) 237-0803

              Attn:
                Hank Gracin, Esq.

            

    

     

    
      	
              To
                the Consultant:

            	 	
              Lane
                Capital Markets, LLC. 

              263
                Queens Grant Road

              Fairfield,
                CT 06824

              Tel:
                (203) 255-0341

              Fax:
                (203) 254-1184

              Attn:
                John Lane, CEO

            
	 	 	 
	
              With
                a copy to:

            	 	
              The
                Sourlis Law Firm

              The
                Galleria

              2
                Bridge Avenue

              Building
                5, 1st
                Floor

              Red
                Bank, NJ 07701

              Tel:
                (732) 530-9007

              Fax:
                (732) 530-9008

              Attn:
                Virginia K. Sourlis, Esq.

            

    

    

    
      
         

      

      
        4

        
          

        

      

      
         

      

    

    

    (c)
       This
      Agreement shall be binding upon and inure to the benefit of each of the parties
      hereto and their respective successors, legal representatives and
      assigns.

    

    (d)
       This
      Agreement may be executed in any number of counterparts, each of which together
      shall constitute one and the same original document.

    

    (e)
       No
      provision of this Agreement maybe amended, modified or waived, except in a
      writing signed by all of the parties hereto.

    

    (f)
       This
      Agreement shall be construed in accordance with and governed by the laws of
      the
State
      of New York,
      without
      giving effect to conflict of law principles. The parties hereby agree that
      any
      dispute which may arise between them arising out of or in connection with this
      Agreement, shall be adjudicated before a court located in New York City, and
      they hereby submit to the exclusive jurisdiction of the courts of the State
      of
      New York located in New York, New York and of the Federal District Court for
      the
      Southern District of New York with respect to any action or legal proceeding
      commenced by any party, and they irrevocably waive any objection they now or
      hereafter may have respecting the venue of any such action or proceeding brought
      in such a court or respecting the fact that such court is an inconvenient forum,
      relating to or arising out of this Agreement, and consent to the service of
      process in any such action or legal proceeding by means of registered or
      certified mail, return receipt requested, in care of the address set forth
      in
      Section 10(b) hereof.

    
      
         

      

      
        5

        
          

        

      

      
         

      

    

    IN
      WITNESS WHEREOF,
      the
      parties hereto have caused this Agreement to be duly executed, as of the day
      and
      year first above written.

     

    
      	 	 	 
	 	VALUERICH, INC.
	 
 	 
 	 
 
	
            	By:  	
            
	 	
              

              Joseph
                Visconti

              Chief
                Executive Officer

            
	 	 

      	 	 	 
	 	LANE
              CAPITAL MARKETS, LLC
	 
 	 
 	 
 
	
            	By:  	 
	 	
              

              John
                D. Lane

              Chief
                Executive Officer

            
	 	 

     

    
      
         

      

      
        6EXHIBIT 10.1

                                                       October 9, 2006

Mark Settle
1674 Alexander Way
Los Altos, CA  94024

         Re:      Modifications to January 1, 2003 Employment Agreement
                  -----------------------------------------------------
                  and Release
                  -----------

Dear Mark:

         The purpose of this letter agreement (this "Agreement") is to document
certain changes we have agreed to make to your employment agreement with Arrow
Electronics, Inc. ("Arrow") dated January 1, 2003 ("2003 Agreement") for the
purpose of amending and/or clarifying certain provisions of the 2003 Agreement
and making certain changes necessary to bring the 2003 Agreement into compliance
with section 409A of the Internal Revenue Code. Accordingly, notwithstanding any
provision of the 2003 Agreement to the contrary:

     1.   August 31, 2006 will be treated as your last day of active work for
          Arrow (you will not be required to be present in the Arrow offices
          after August 29, 2006), and commencing on September 1, 2006 and ending
          on the earlier of (a) March 15, 2007 and (b) the day you begin
          employment (including self-employment) for a person or entity other
          than Arrow, you will be on inactive or "RA" status. You may provide
          paid consulting services to a third party or parties without the same
          being deemed employment hereunder provided that the total number of
          days on which such services are provided during the term hereof do not
          exceed ninety, and further provided that you reimburse Arrow (and
          Arrow may deduct from any sums then owing you) one half of any
          consulting fees (not counting expense reimbursement which you receive
          for providing such services) for more than a total of ten days up to a
          total of thirty days and the entirety of any consulting fees earned
          for providing such services thereafter. You will immediately notify
          Arrow's Vice-President, Global Human Resources, in writing, upon
          securing employment or consulting engagements. The period during which
          you are on RA status described in this paragraph 1 will be referred to
          herein as your "RA Period."

          Your active participation in the Arrow 401(k) Plan, the Arrow ESOP
          and the Arrow SERP will end on August 31, 2006, and you will earn no
          vesting service and no additional benefits under those plans after
          August 31, 2006. For purposes of receiving a distribution of your
          vested account balance under the 401(k) Plan or ESOP, August 31, 2006
          will be the date of your severance from service with Arrow. Under the
          terms of the SERP, you will not be vested in your SERP benefit by
          August 31, 2006 (and would not have been vested in your SERP benefit
          even had you remained employed during the whole of the term of the
          2003 Agreement). However, in consideration of the terms of this
          Agreement, Arrow will make a lump-sum payment to you on the date
          which is eight days after the execution of this agreement in the
          amount of $250,000.

<PAGE>

     2.   You will remain covered by the Arrow medical plan during your RA
          Period under the same terms and conditions as an active employee. At
          the end of the RA Period you will be entitled to continuation of
          medical coverage for you and your eligible dependents under the plan's
          COBRA provisions at your own expense except that Arrow will pay to
          you, as part of the lump-sum payment to be made to you on March 15,
          2007 as described below, the amount of $25,515 in respect of the cost
          that would have been incurred by Arrow in maintaining your current
          family medical coverage during the period March 16, 2007 to January
          31, 2008. Your participation in all other welfare benefit and fringe
          benefit plans, programs and arrangements of Arrow will end on August
          31, 2006, subject to any right you may have under the terms of a plan
          to convert to individual coverage. You will be entitled to your rights
          under paragraph 4 of the 2003 Agreement should you become "disabled"
          as defined therein prior to January 31, 2008 on the same terms and
          conditions as an active employee, subject, in respect of any benefits
          payable for any period prior to February 1, 2008, to an offset of the
          payments made to you hereunder in respect of salary and bonus.

     3.   In accordance with the terms of the 2003 Agreement, any unvested Arrow
          nonqualified stock options, restricted stock and performance shares
          granted to you prior to August 31, 2006 which would have vested prior
          to January 31, 2008 will vest at August 31, 2006. In addition, while
          not legally obliged to do so, Arrow will vest you in your 2005-2007
          Performance Shares. The vesting of the restricted stock and
          performance shares is subject to the payment by you of all applicable
          taxes. For the avoidance of doubt, Schedule A attached hereto shows
          the nonqualified stock options, restricted stock and performance
          shares that will vest on August 31, 2006. Arrow hereby waives its
          right of first refusal with respect to any vested restricted stock.
          Any stock options, restricted stock and performance shares that remain
          unvested as of September 1, 2006 will be forfeited as of that date.
          For purposes of the exerciseability of any Arrow vested nonqualified
          stock options held by you at August 31, 2006, you will not be
          considered to have terminated employment with Arrow until January 31,
          2008 or such earlier date as you request in writing in advance of such
          date if you determine that such a shortened exerciseability period
          would be advantageous to you under Internal Revenue Code section 409A
          final regulations or other guidance. Accordingly, until such date, you
          will continue to be able to exercise, any such vested nonqualified
          stock options you hold. After such date any such options still
          outstanding and unexercised will be forfeited. Vested Arrow
          performance shares will be paid out in accordance with their terms. No
          new option, restricted stock or performance awards will be made to you
          after August 31, 2006.

     4.   Subject to paragraph 9 below, a lump sum of $194,424.93, covering the
          salary continuation amounts, equal to your monthly salary in effect
          immediately before the RA Period commenced, otherwise payable to you
          during the six-month period beginning on September 1, 2006 and ending
          on February 28, 2007, along with interest at 5.5 per annum (included
          in the above amount) to compensate you for the delays in payment, will
          be paid to you on March 15, 2007. The balance of your salary for the
          period March 1, 2007 through January 31, 2008 discounted at a rate of
          5.5% per annum will be paid to you in a lump sum of $350,180 on March
          15, 2007. All payments of compensation, benefits and any other amounts
          payable by the Company hereunder, including for the avoidance of doubt
          the vesting of restricted shares, the exercise of options and the
          payout of the performance shares, shall be subject to all legally
          required and customary withholding. You will not be paid any car
          allowance after August 31, 2006.

<PAGE>

     5.   Subject to paragraph 9 below, you will receive the following bonus
          amounts: (a) an amount equal to 88.88% of the bonus payable to you
          under Arrow's MICP for 2006, being comprised of 66.66% in respect of
          the period January 1 - August 31, 2006 based on Arrow's 2006 results
          and 22.22% (being 2/3 of 33.33%) in respect of the period September 1
          - December 31, 2006 based on your target bonus for 2006 (the "Target
          Bonus"); (b) an amount equal to 66.66% of the Target Bonus in respect
          of 2007; and (c) an amount equal to 5.55% of the Target Bonus in
          respect of 2008. Such amounts will be paid to you in a lump sum on
          March 15, 2007, provided you are still on RA status on December 31,
          2006. The amounts referred to in (b) and (c) above will be discounted
          from the dates such bonuses would otherwise have been payable to you,
          being March 31, 2008 in respect of the 2007 bonus and March 31, 2009
          in respect of the 2008 bonus, at a rate of 5.5% per annum, resulting
          in an aggregate payment on March 15, 2007 in respect of the bonus
          periods referred to in (b) and (c) of $133,198. The amount payable in
          respect of 2006 will depend on Arrow's 2006 financial results. (Were
          the 2006 corporate MICP to pay out at 100% of target, the 2006 payment
          would be $173,329.)

     6.   You will receive on September 1 a cash amount equal to your accrued
          vacation through August 31, 2006 and your vacation accrual will cease
          as of August 31, 2006.

     7.   Your salary deferral for October - December 2004 under the Arrow
          Deferred Compensation Plan (as adjusted for deemed investment
          experience, less any amounts previously paid out at a scheduled
          withdrawal date) will be paid to you at March 15, 2007. Any other
          amounts deferred by you under the Arrow Deferred Compensation Plan,
          including amounts deferred in respect of your 2004 bonus, (as adjusted
          for deemed investment experience, less any amounts previously paid out
          at a scheduled withdrawal date) will be paid to you at March 1, 2007.

     8.   Arrow agrees to pay (i) the cost of outplacement consulting services
          reasonably incurred by you in seeking to find another comparable
          position of employment, (ii) legal fees incurred in ascertaining the
          application of IRC 409A, and (iii) relocation expenses, up to an
          aggregate amount of $50,000. Such payment will be made against the
          receipt of appropriate invoices . All legal fees described above will
          be incurred and paid no later than March 15, 2007, and all other costs
          described in this paragraph will be incurred and paid no later than
          January 31, 2008.

     9.   You will not be required to attend to Arrow's business from and after
          August 29, 2006, but you agree to be available to advise, consult and
          perform specific tasks from time to time until the earlier of (a)
          January 31,2008 and (b) the day you begin employment (including
          self-employment) for a person or entity other than Arrow, at Arrow's
          expense and reasonable request. The indemnification provided under
          paragraph 2(g) of the 2003 Agreement will apply in respect of any
          services rendered by you pursuant to this paragraph 9. You and Arrow
          agree to reasonably cooperate with each other as part of either
          party's response to any inquiry, investigation, audit, charge, demand
          or litigation against you or Arrow arising out of any act or omission
          or alleged act or omission by you or Arrow during your employment with
          Arrow.

<PAGE>

     10.  The change of control agreement dated November 5, 2001 between you and
          Arrow shall terminate on August 31, 2006.

     11.  You hereby resign from all offices you hold at Arrow effective August
          31, 2006.

     12.  You agree that, not later than September 30, you will return all
          equipment, files, documents, and any other property belonging to
          Arrow. You should contact Melanie Young to make all necessary
          arrangements.

     13.  You and Arrow agree that neither of you will disclose or cause to be
          disclosed any negative, adverse or derogatory comments or information
          about Arrow or you, about any product or service provided by Arrow, or
          about Arrow's prospects for the future. Furthermore, you and Arrow
          represent that you have made no such communication to any public
          official, to any person associated with the media, or to any other
          person or entity. You and Arrow each acknowledge that each of you
          relies upon this representation in agreeing to enter into this
          Agreement.

     14.  Release. In consideration for all the foregoing provisions, each of
          you and Arrow and its affiliates hereby releases the other and its
          agents, directors and employees from and against any and all claims
          (statutory, contractual or otherwise) arising out of your employment
          or the termination thereof or any discrimination in connection
          therewith and for any further additional payments of any kind or
          nature whatsoever except as expressly set forth herein. Without
          limiting the foregoing, you hereby release Arrow from any claim under
          the Age Discrimination in Employment Act and any other similar law.
          Nothing contained herein will be construed as impacting your right to
          claim unemployment benefits following the termination hereof, if any,
          or preventing you or Arrow from providing information to or making a
          claim with any governmental agency to the extent permitted or required
          by law. This release will, however, constitute an absolute bar to the
          recovery of any damages or additional compensation, consideration or
          relief of any kind or nature whatsoever arising out of or in
          connection with such claim.

     15.   Except as modified hereby, the 2003 Agreement, including the
           restrictions on your activities contained in Paragraph 7 thereof and
           your obligations contained in Paragraphs 8(b) and 8(c) thereof, shall
           continue in full force and effect and for purposes of Paragraph 7
           thereof, it is hereby agreed that the words "for a period of two
           years after the termination of the Employment Period" shall mean two
           years after termination of "RA" status i.e., March 15, 2009.

     16.   This Agreement is made in the State of New York and will be governed
           by the laws of the State of New York. If any portion hereof will be
           deemed void or unenforceable by a court of competent jurisdiction,
           the same will reform such portion as nearly as possible to effectuate
           its intent or sever said portion and give enforcement to the
           remainder of the Agreement and Release.

     17.   Rescission/Advice of Counsel. You acknowledge that Arrow advised you
           to consult with an attorney prior to signing this release; advised
           you that you had twenty-one (21) days in which to consider whether
           you should sign this release; and advised you that if you signed this
           release, you would be given seven (7) days following the date on
           which you signed the release to revoke it and that the release would
           not be effective until after this seven-day period had lapsed.
           Therefore, notwithstanding the above provisions, no payments called
           for by Arrow herein shall be made until the expiration of such
           revocation period.

<PAGE>

         Please indicate your agreement to the foregoing modifications to the
2003 Agreement by signing and dating both copies of this letter on the lines
provided below, and returning one of the fully executed copies to the
undersigned.

                                                     Very truly yours,

                                                     Arrow Electronics, Inc.

                                                      By:
                                                              ------------------
                                                              Peter S. Brown

Agreed, acknowledged and accepted:

------------------------            -------------------
Mark Settle                         Date

<PAGE>

SCHEDULE A
Equity Awards Vesting Schedule
Mark Settle

<TABLE>
<CAPTION>

---------------------------------------------------------------------------------------------------------
VESTED SHARES
---------------------------------------------------------------------------------------------------------

                                Grant        Vesting                                              Grant
Type of Equity                  Date         Date         Amount      Vested      Exercisable     Price
---------------------------------------------------------------------------------------------------------
<S>                           <C>  <C>     <C>  <C>        <C>         <C>             <C>        <C>
NQ                            11/5/2001    11/5/2002       7,500       7,500           7,500      $25.50
NQ                            11/5/2001    11/5/2003       7,500       7,500           7,500      $25.50
NQ                            11/5/2001    11/5/2004       7,500       7,500           7,500      $25.50
NQ                            11/5/2001    11/5/2005       7,500       7,500           7,500      $25.50
NQ                            2/27/2003    2/27/2004       2,500       2,500           2,500      $13.85
NQ                            2/27/2003    2/27/2005       2,500       2,500           2,500      $13.85
NQ                            2/27/2003    2/27/2006       2,500       2,500           2,500      $13.85
NQ                            2/27/2004    2/27/2005       2,500       2,500           2,500      $24.60
NQ                            2/27/2004    2/27/2006       2,500       2,500           2,500      $24.60
NQ                            2/28/2005    2/28/2006       1,500       1,500           1,500      $26.90

                                                    -----------------------------------------
Sub Total                                                 44,000      44,000          44,000

---------------------------------------------------------------------------------------------------------
UNVESTED SHARES THAT WILL VEST DURING NOTICE PERIOD
---------------------------------------------------------------------------------------------------------

                                Grant        Vesting                                              Grant
Type of Equity                  Date         Date         Amount      Vested      Exercisable     Price
---------------------------------------------------------------------------------------------------------
NQ                            2/27/2003    2/27/2007       2,500           0               0      $13.85
NQ                            2/27/2004    2/27/2007       2,500           0               0      $24.60
NQ                            2/28/2005    2/28/2007       1,500           0               0      $26.90
Restricted Stock              2/27/2003    2/27/2007       1,800           0               0       $0.00
Performance Shares            2/27/2004    2/27/2007       7,800           0               0       $0.00
Performance Shares            2/28/2005    2/29/2008       5,000           0               0       $0.00

                                                    -----------------------------------------
Sub Total                                                 21,100           0               0

---------------------------------------------------------------------------------------------------------
UNVESTED SHARES
---------------------------------------------------------------------------------------------------------

                                Grant        Vesting                                              Grant
Type of Equity                   Date         Date         Amount      Vested      Exercisable     Price
---------------------------------------------------------------------------------------------------------
NQ                            2/27/2004    2/27/2008       2,500           0               0      $24.60
NQ                            2/28/2005    2/29/2008       1,500           0               0      $26.90
NQ                            2/28/2005    2/28/2009       1,500           0               0      $26.90

                                                    -----------------------------------------
Sub Total                                                  5,500           0               0

                                                    -------------
Total                                                     70,600
</TABLE>

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00111-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00111-of-00352.parquet"}]]