Document:

<PAGE>
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[COMPANY     64 Princeton Hightstown Road    |
  VOICE                Suite 219             |
  LOGO]      Princeton Junction, NJ 08550    |         AFFILIATE ORDER
                  Tel: (609) 638-3101        |
                  Fax: (888) 828-4174        |          A.O. NO: 22
                                             |
          E-Mail: steve@thecompanyvoice.com  |
               www.thecompanyvoice.com       |          DATE: FEBRUARY 21, 20002
                                             |
             Contact: Stephen J. Schoepfer   |
--------------------------------------------------------------------------------

The following confirms your order for "The Company Voice," which makes available
to users on-demand streaming audio/video press releases and other corporate
information from small to mid-size public companies ("The Company Voice"). This
Affiliate Order ("AO" or "Agreement") grants to the party identified below
("Licensee") a non-exclusive license to carry The Company Voice only on the
website(s) identified below, subject to the terms and conditions herein,
including the terms and conditions on the reverse side of this AO. This AO shall
not be effective unless signed by JAG Company Voice LLC ("CV") and the Licensee.

<TABLE>
<S>                                                                  <C>
To:    ZACKS INVESTMENT RESEARCH ("Licensee")                        Special Terms and/or Instructions (if, any):
       155 NORTH WACKER DRIVE                                         1.  Zack's to retain 100% of Ad-revenue generated from the
       CHICAGO, IL 60606                                                  Co-branded player.
                                                                      2.  The player will have a Zacks branded environment
</TABLE>

Contact: STEPHEN REITMEISTER    Tel #: 312-630-9880 X 372    Fax #: 312-630-9617

E-Mail: STEPHENR@ZACKS.COM

<TABLE>
<CAPTION>
SITE(S) TO RECEIVE COMPANY VOICE        INITIAL TERM                  START DATE                            EXPIRATION DATE

<S>                                     <C>              <C>                                     <C>
www.ZACKS.com                            12 months                   MARCH 18, 2003                         MARCH 18, 2003
www.ZACKSADVISOR.com                 =                   *anticipated launch-subject to change   *tentative - based on launch date
</TABLE>

                                ORDER DESCRIPTION

Graphic link (s) to Company Voice Player, and related service, for display on
Licensee's website as per the attached Annex 1. Licensee shall provide graphic
links for companies which are part of the Company Voice network, which link
shall launch the Company Voice Player containing the company's related
video/audio segment. Licensee shall also provide links for non-Company Voice
Network companies, which links shall launch a window containing a promotional
announcement regarding The Company Voice, which announcement shall be provided
by The Company Voice.

                              AFFILIATE COMMISSION

For each company that becomes a paying member of The Company Voice Network
through a direct referral from Licensee's site, Licensee shall receive a
referral commission in the amount of $4000. Commission will be paid at the time
of posting the first segment to the site.

<TABLE>

<S>                                     <C>
   Agreed and Accepted:                 Agreed and Accepted:
   LICENSEE                             JAG COMPANY VOICE LLC

   NAME: STEPHEN REITMEISTER            NAME:   STEPHEN J. SCHOEPFER

   TITLE:VP INTERNET GROUP              TITLE:  PRESIDENT & CHIEF OPERATING OFFICER

   SIGNATURE: /S/ Stephen Reitmeister   SIGNATURE: /S/ Stephen J. Schoepfer
              -----------------------              ------------------------

   DATE:    2/21/02                     DATE:   FEBRUARY 21, 2002

   Rev: 2/12/02
</TABLE>

<PAGE>

1. License. CV hereby grants to Licensee a non-exclusive license to carry and
display The Company Voice, during the Term of this Agreement, on the Licensee's
website(s) identified on the front of this Agreement ("Licensee's Site") in
accordance with the terms and conditions of this Agreement. This license
specifically excludes the right of Licensee (or any of its affiliates) or any
user receiving The Company Voice to redistribute, reproduce, retransmit,
disseminate, create derivative works from, sell, publish, broadcast or circulate
The Company Voice to anyone without the express written consent of CV.

2. Delivery of Player by CV. At its sole cost and expense, CV shall make
available to Licensee a link to a streaming audio/ video player through which
The Company Voice can be accessed and displayed on Licensee's Site (the
"Player"). Licensee shall not alter, modify or obscure the Player or any content
on, or transmission of, The Company Voice.

3. Access to The Company Voice. Access to The Company Voice from the Licensee's
Site shall be provided via links on the Licensee's Site. Licensee shall be
responsible for creating and placing the links on the Licensee's Site and CV
shall furnish Licensee with such technical information and assistance as is
reasonably necessary in order for Licensee to properly establish the links to
The Company Voice. The links shall be prominently displayed on the Licensee's
Site in a location mutually agreed upon by Licensee and CV.

4. Traffic and Demographic Reports. Licensee shall make available to CV such
demographic and statistical information regarding Licensee's Site as Licensee
may keep in the ordinary course of it's business; provided, however, that
nothing in this Agreement shall require Licensee to disclose to CV any
information which would enable CV to ascertain the identity of any of Licensee's
registered users or accountholders or violate any confidentiality agreement
which Licensee may have with such users or accountholders. Such information
shall be provided to CV within ten (10) days after the commencement of the
Initial Term and shall be updated, upon CV's request, but no more frequently
than twice during any one (1) year period during the Term.

5. Use of Intellectual Property. Except as expressly permitted under this
Agreement, Licensee shall not use any Intellectual Property owned or licensed by
CV or any of its affiliates, except as expressly set forth in this Agreement.

6. Ownership of The Company Voice and Related Intellectual Property. As between
CV and Licensee, CV shall own The Company Voice and each party shall own all
right, title and interest in and to their respective websites, products and
services ("Operations") and any and all Intellectual Property related to their
respective Operations. For purposes of this Agreement, "Intellectual Property"
shall mean any and all content and materials, including, but not limited to,
URL's, software (and any modifications, upgrades or new versions thereof),
designs, icons, menus, logos, trademarks, service marks, trade and business
secrets, text, graphics, photographs, illustrations, audio, video and data.

7. Term. The initial term of this Agreement (and the license granted hereunder)
shall commence and expire on the dates set forth on the front of this Agreement
("Initial Term"). This Agreement shall automatically renew for subsequent and
consecutive 6-month terms ("Renewal Term(s)") unless CV or Licensee provides the
other party with a written notice of non-renewal at least 30 days prior to the
expiration of the Initial Term or the current Renewal Term. The Initial Term and
any Renewal Terms are referred to, collectively, as the "Term."

8. Termination. This Agreement may be terminated by either party immediately
upon written notice to the other party if the other party (a) becomes insolvent;
(b) files a petition in bankruptcy; (c) makes an assignment for the benefit of
creditors; or (d) breaches any of its obligations under this Agreement in any
material respect and such breach is not remedied within thirty (30) days
following written notice of such breach to such party. In addition, and
notwithstanding anything to the contrary in this Agreement, CV shall have the
right to terminate this Agreement for its convenience (i.e., without cause) at
any time, without incurring liability of any kind to Licensee, by providing
Licensee with not less than ten (10) days' written notice of such termination.
In the event of any such termination for convenience, Licensee shall promptly
remove from Licensee's Site any graphics, links or other references to The
Company Voice and the Affiliate Content.

9. Force Majeure/Interruption. Neither party shall be liable for any failure to
perform any of its obligations under this Agreement due to unforeseen
circumstances or causes beyond the party's reasonable control, including,
without limitation, acts of god, riot, embargoes, acts of governmental
authorities, fire, earthquake, flood, accident, strikes, unauthorized access to
computer systems (hacking), telecommunications interruptions, or disruption in
transmission facilities ("Force Majeure"). Time for performance will be extended
by such Force Majeure; provided, however, that either party may terminate this
Agreement upon written notice to the other party in the event that such other
party has suspended performance of its obligations pursuant to this paragraph
for more than sixty (60) days.

10. Confidentiality. Licensee and CV acknowledge that each of them may have
access to confidential and proprietary information which relates to the other
party's business ("Confidential Information"). Such Confidential Information
shall be identified as confidential at the time of disclosure. Each party agrees
to preserve and protect the confidentiality of the Confidential Information to
at least the same degree as they protect their own confidential information and
not to disclose or use any applicable Confidential Information without the prior
written consent of the other party. Confidential Information shall not, however,
include information (i) which prior to any disclosure by either party or its
representatives is in the public domain other than as a result of disclosure by
such party or its representatives or (ii) becomes available or is disclosed to
either party through or by a third party that is under no obligation to keep
such information confidential. In addition, in the event that either party
becomes legally compelled to disclose any Confidential Information, such party
shall be permitted to do so provided it has given the other party prompt notice
thereof so that such party may seek a protective order or other appropriate
remedy.

11. Public Announcements. The parties shall cooperate in creating appropriate
press releases relating to the relationship set forth in this Agreement.
Licensee shall not make any press releases regarding this Agreement without the
prior written consent of CV.

12. Limitation of Warranties and Liability. CV makes no warranty that The
Company Voice, the Affiliate Content or their respective websites or
distribution platforms will be error-free or uninterrupted or that all errors or
failures in any of the foregoing will be corrected. THE COMPANY VOICE, THE
AFFILIATE CONTENT AND ALL OTHER CONTENT PROVIDED UNDER THIS AGREEMENT ARE
PROVIDED "AS IS", AND CV EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS
OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, OR
FITNESS FOR A PARTICULAR PURPOSE. In no event will either party be liable for
(a) any representation or warranty made by the other party (or any of its
affiliates) to any end user or third party or (b) any failure of its network or
services. Neither party, nor any of their affiliates, directors, officers,
employees, shareholders, agents or representatives will be liable for any
indirect, incidental, special or consequential damages including, but not
limited to, lost profits and damages that result from inconvenience, delay, or
loss of use of The Company Voice and/or the Affiliate Content arising out of
this Agreement, even if the parties have been advised of the possibility of such
damages and losses.

13. Indemnification. CV shall indemnify and hold harmless Licensee, and its
affiliates, directors, officers and employees ("Indemnitees") against any and
all liability (including reasonable attorneys fees) incurred by any of the
Indemnitees as a result of The Company Voice(a) infringing or violating the
intellectual property rights of any third party and/or (b) being defamatory or
libelous.

14 Assignment. Neither party may assign this Agreement or its rights or
obligations hereunder without the prior written consent of the other party,
except that CV may, without Licensee's consent, assign this Agreement or its
rights or obligations hereunder (in whole or part) to any affiliate of CV or in
connection with any (a) merger involving CV; (b) sale of substantially all of
CV's stock or assets; or (c) sale of any beneficial interest in CV. Any
assignment by either party in violation of this provision shall be null and
void. Any permitted assignment by CV shall release CV from any and all
obligations and liability arising from this Agreement, or in connection with any
services provided, or to be provided, hereunder and Licensee shall look solely
to the assignee in connection with all matters relating to this Agreement and
the services hereunder.

15. Notice. Any notice, request, instruction or other document to be given
hereunder by either party to the other shall be in writing, and delivered
personally, or sent by overnight courier service, certified or registered mail,
postage prepaid, return receipt requested, to the contact persons set forth on
the front of this Agreement (at their respective addresses). Any notice so given
shall be deemed received when personally delivered, on the next business day if
delivered by an overnight courier service, or four (4) days after mailing. Any
party may change the address to which notices are to be sent by giving notice of
such change of address to the other parties in the manner herein provided for
giving notice.

18. Entire Agreement. This Agreement constitutes the entire agreement between
the parties with respect to the subject matter hereof, and supersedes any and
all prior agreements or understandings among the parties with respect to the
subject matter hereof. This Agreement may not be amended or modified except by a
written agreement signed by both parties.

19. No Waiver. The failure of either party to enforce any term or condition of
this Agreement shall not be deemed a waiver of such term or condition or any
other terms or conditions of this Agreement, and no waiver by either party of
the breach of any provision hereof shall be deemed a waiver of any subsequent
breach of such provision or as a waiver of the provision itself.

20. No Joint Venture/No Third Party Beneficiaries. Licensee and CV, in
performance of their obligations hereunder, shall act at all times as
independent contractors, and neither party shall have or exercise control over
the other party, its agents, servants or employees in the performance of such
other party's obligations under this Agreement. Nothing in this Agreement shall
be deemed to create a partnership, joint venture or employment relationship
between CV and Licensee. This Agreement has been and is made solely for the
benefit of CV and Licensee, and their respective successors and permitted
assigns, and no other person or entity shall acquire or have any rights under or
by virtue of this Agreement.

21 Severability. If any provision of this Agreement is found by a court of
competent jurisdiction to be illegal, invalid or unenforceable, the remaining
provisions shall remain in full force and effect.

22. Survival. The provisions of the following paragraphs shall survive the
expiration of the Term or any earlier termination of this Agreement: 6, 12, 13,
15, 18, 20, 21 and 23.

23. Governing Law. This Agreement shall be governed by the laws of the State of
New York, applicable to contracts executed and performed entirely within New
York, and without reference to choice of laws provisions thereof. The parties
agree and consent to exclusive jurisdiction and venue in the State and Federal
courts located in the City and County of New York, New York for any proceedings
arising out of this Agreement.

<PAGE>

                                     ANNEX 1

[Annex 1 of the executed copy contains a screen shot of initial Company Voice
placement on Zacks.com]<PAGE>

                                                                    EXHIBIT 10.1

                             JUNIPER NETWORKS, INC.
                       2000 NONSTATUTORY STOCK OPTION PLAN
                      (As amended through January 1, 2002)

        1. Purposes of the Plan. The purposes of this Stock Plan are to attract
and retain the best available personnel for positions of substantial
responsibility, to provide additional incentive to Employees and Consultants of
the Company and its Subsidiaries and to promote the success of the Company's
business. All options granted under the Plan shall be Nonstatutory Stock
Options.

        2. Definitions. As used herein, the following definitions shall apply:

           (a) "Administrator" means the Board or any of its Committees
appointed pursuant to Section 4 of the Plan.

           (b) "Applicable Laws" means the legal requirements relating to the
administration of stock option plans under U.S. state corporate laws, U.S.
federal and state securities laws, the Code and the applicable laws of any
foreign country or jurisdiction where Options or Stock Purchase Rights are, or
will be, granted under the Plan.

           (c) "Board" means the Board of Directors of the Company.

           (d) "Code" means the Internal Revenue Code of 1986, as amended.

           (e) "Committee" means a Committee appointed by the Board of Directors
in accordance with Section 4 of the Plan.

           (f) "Common Stock" means the Common Stock of the Company.

           (g) "Company" means Juniper Networks, Inc., a Delaware corporation.

           (h) "Consultant" means any person who is engaged by the Company or
any Parent or Subsidiary to render consulting or advisory services to such
entities.

           (i) "Continuous Status as an Employee or Consultant" means that the
employment or consulting relationship with the Company, any Parent or Subsidiary
is not interrupted or terminated. Continuous Status as an Employee or Consultant
shall not be considered interrupted in the case of (i) any leave of absence
approved by the Company (provided, however, that the Administrator shall be
permitted to stop vesting on any leave of absence, on an individual, aggregate
or policy basis, even if such leave of absence is approved by the Company) or
(ii) transfers between locations of the Company or between the Company, its
Parent, any Subsidiary, or any successor. A leave of absence approved by the
Company shall include sick leave, military leave, or any other personal leave
approved by an authorized representative of the Company.

           (j) "Director" means a member of the Board of Directors of the
Company.

<PAGE>

           (k) "Employee" means any person, including Officers and Directors,
employed by the Company or any Parent or Subsidiary of the Company. The payment
of a Director's fee by the Company shall not be sufficient to constitute
"employment" by the Company.

           (l) "Exchange Act" means the Securities Exchange Act of 1934, as
amended.

           (m) "Fair Market Value" means, as of any date, the value of Common
Stock determined as follows:

               (i) If the Common Stock is listed on any established stock
exchange or a national market system, including without limitation the Nasdaq
National Market or The Nasdaq SmallCap Market of The Nasdaq Stock Market, its
Fair Market Value shall be the closing sales price for such stock (or the
closing bid, if no sales were reported) as quoted on such exchange or system for
the last market trading day prior to the time of determination, as reported in
The Wall Street Journal or such other source as the Administrator deems
reliable;

               (ii) If the Common Stock is regularly quoted by a recognized
securities dealer but selling prices are not reported, its Fair Market Value
shall be the mean between the high bid and low asked prices for the Common Stock
on the last market trading day prior to the day of determination; or

               (iii) In the absence of an established market for the Common
Stock, the Fair Market Value thereof shall be determined in good faith by the
Administrator.

           (n) "Nonstatutory Stock Option" means an Option not intended to
qualify as an incentive stock option within the meaning of Section 422 of the
Code.

           (o) "Officer" means a person who is an officer of the Company within
the meaning of Section 16 of the Exchange Act and the rules and regulations
promulgated thereunder.

           (p) "Option" means a stock option granted pursuant to the Plan.

           (q) "Optioned Stock" means the Common Stock subject to an Option.

           (r) "Optionee" means an Employee or Consultant who receives an
Option.

           (s) "Parent" means a "parent corporation," whether now or hereafter
existing, as defined in Section 424(e) of the Code.

           (t) "Plan" means this 2000 Nonstatutory Stock Option Plan.

           (u) "Section 16(b)" means Section 16(b) of the Securities Exchange
Act of 1934, as amended.

                                      -2-
<PAGE>

           (v) "Share" means a share of the Common Stock, as adjusted in
accordance with Section 11 below.

           (w) "Subsidiary" means a "subsidiary corporation," whether now or
hereafter existing, as defined in Section 424(f) of the Code.

        3. Stock Subject to the Plan. Subject to the provisions of Section 11 of
the Plan, the maximum aggregate number of Shares which may be subject to option
and sold under the Plan is 44,361,542 Shares, plus an annual increase to be
added on the first day of the Company's fiscal year equal to the greater of (i)
5,000,000 shares, (ii) 5% of the outstanding shares on such date or (iii) a
lesser amount determined by the Board. The Shares may be authorized but
unissued, or reacquired Common Stock.

           If an Option expires or becomes unexercisable without having been
exercised in full, or is surrendered pursuant to an option exchange program, the
unpurchased Shares which were subject thereto shall become available for future
grant under the Plan (unless the Plan has terminated). However, Shares that have
actually been issued under the Plan upon exercise of an Option shall not be
returned to the Plan and shall not become available for future distribution
under the Plan.

        4. Administration of the Plan.

           (a) Procedure.

               (i) Multiple Administrative Bodies. The Plan may be administered
by different Committees with respect to different groups of Service Providers.

               (ii) Other Administration. Other than as provided above, the Plan
shall be administered by (A) the Board or (B) a Committee, which committee shall
be constituted to satisfy Applicable Laws.

           (b) Powers of the Administrator. Subject to the provisions of the
Plan and, in the case of a Committee, the specific duties delegated by the Board
to such Committee, and subject to the approval of any relevant authorities,
including the approval, if required, of any stock exchange upon which the Common
Stock is listed, the Administrator shall have the authority in its discretion:

               (i) to determine the Fair Market Value of the Common Stock, in
accordance with Section 2(m) of the Plan;

               (ii) to select the Consultants and Employees to whom Options may
from time to time be granted hereunder;

               (iii) to determine whether and to what extent Options are granted
hereunder;

               (iv) to determine the number of Shares to be covered by each such
Option granted hereunder;

                                      -3-
<PAGE>

               (v) to approve forms of agreement for use under the Plan;

               (vi) to determine the terms and conditions of any Option granted
hereunder;

               (vii) to determine whether and under what circumstances an Option
may be settled in cash under subsection 9(f) instead of Common Stock;

               (viii) to reduce the exercise price of any Option to the then
current Fair Market Value if the Fair Market Value of the Common Stock covered
by such Option has declined since the date the Option was granted; and

               (ix) to construe and interpret the terms of the Plan and Options
granted pursuant to the Plan.

            (c) Effect of Administrator's Decision. All decisions,
determinations and interpretations of the Administrator shall be final and
binding on all Optionees and any other holders of any Options.

        5. Eligibility.

           (a) Nonstatutory Stock Options may be granted to Employees and
Consultants. An Employee or Consultant who has been granted an Option may, if
otherwise eligible, be granted additional Options.

           (b) Neither the Plan nor any Option shall confer upon any Optionee
any right with respect to continuation of his or her employment or consulting
relationship with the Company, nor shall it interfere in any way with his or her
right or the Company's right to terminate his or her employment or consulting
relationship at any time, with or without cause.

           (c) The following limitations shall apply to grants of Options to
Employees:

               (i) No Employee shall be granted, in any fiscal year of the
Company, Options to purchase more than 3,000,000 Shares.

               (ii) In connection with his or her initial employment, an
Employee may be granted Options to purchase up to an additional 6,000,000 Shares
which shall not count against the limit set forth in subsection (i) above.

               (iii) The foregoing limitations shall be adjusted proportionately
in connection with any change in the Company's capitalization as described in
Section 11.

               (iv) If an Option is cancelled in the same fiscal year of the
Company in which it was granted (other than in connection with a transaction
described in Section 11), the cancelled Option shall be counted against the
limit set forth in subsection (i) above. For this purpose, if the exercise price
of an Option is reduced, such reduction will be treated as a cancellation of the
Option and the grant of a new Option.

                                      -4-
<PAGE>

        6. Term of Plan. The Plan shall become effective upon its adoption by
the Board of Directors. It shall continue in effect for a term of ten (10) years
unless sooner terminated under Section 14 of the Plan.

        7. Term of Option. The term of each Option shall be the term stated in
the Option Agreement; provided, however, that the term shall be no more than ten
(10) years from the date of grant thereof.

        8. Option Exercise Price and Consideration.

           (a) The per share exercise price for the Shares to be issued upon
exercise of an Option shall be such price as is determined by the Administrator.

           (b) The consideration to be paid for the Shares to be issued upon
exercise of an Option, including he method of payment, shall be determined by
the Administrator. Such consideration may consist of (1) cash, (2) check, (3)
promissory note, (4) other Shares which (x) in the case of Shares acquired upon
exercise of an Option, have been owned by the Optionee for more than six months
on the date of surrender, and (y) have a Fair Market Value on the date of
surrender equal to the aggregate exercise price of the Shares as to which such
Option shall be exercised, (5) delivery of a properly executed exercise notice
together with such other documentation as the Administrator and a broker, if
applicable, shall require to effect an exercise of the Option and delivery to
the Company of the sale or loan proceeds required to pay the exercise price, (6)
any other consideration permitted by applicable law, or (7) any combination of
the foregoing methods of payment. In making its determination as to the type of
consideration to accept, the Administrator shall consider if acceptance of such
consideration may be reasonably expected to benefit the Company.

        9. Exercise of Option.

           (a) Procedure for Exercise; Rights as a Stockholder. Any Option
granted hereunder shall be exercisable at such times and under such conditions
as determined by the Administrator, and as shall be permissible under the terms
of the Plan.

        An Option may not be exercised for a fraction of a Share.

        An Option shall be deemed to be exercised when written notice of such
exercise has been given to the Company in accordance with the terms of the
Option by the person entitled to exercise the Option and full payment for the
Shares with respect to which the Option is exercised has been received by the
Company. Full payment may, as authorized by the Administrator, consist of any
consideration and method of payment allowable under Section 8(b) hereof. Until
the issuance (as evidenced by the appropriate entry on the books of the Company
or of a duly authorized transfer agent of the Company) of the stock certificate
evidencing such Shares, no right to vote, receive dividends or any other rights
as a stockholder shall exist with respect to the Optioned Stock, notwithstanding
the exercise of the Option. The Company shall issue (or cause to be issued) such
stock certificate promptly upon exercise of the Option. No adjustment shall be
made for a dividend

                                      -5-
<PAGE>

or other right for which the record date is prior to the date the stock
certificate is issued, except as provided in Section 11 hereof.

               Exercise of an Option in any manner shall result in a decrease in
the number of Shares which thereafter may be available, both for purposes of the
Plan and for sale under the Option, by the number of Shares as to which the
Option is exercised.

           (b) Termination of Employment or Consulting Relationship. In the
event of termination of an Optionee's Continuous Status as an Employee or
Consultant (but not in the event of an Optionee's change of status from Employee
to Consultant, such Optionee may, but only within such period of time as is
determined by the Administrator (and in no event later than the expiration date
of the term of such Option as set forth in the Option Agreement), exercise his
or her Option to the extent that the Optionee was entitled to exercise it at the
date of such termination. To the extent that the Optionee was not entitled to
exercise the Option at the date of such termination, or if the Optionee does not
exercise such Option to the extent so entitled within the time specified herein,
the Option shall terminate.

           (c) Disability of Optionee. In the event of termination of an
Optionee's Continuous Status as an Employee or Consultant as a result of his or
her disability, the Optionee may, but only within ninety (90) days from the date
of such termination (and in no event later than the expiration date of the term
of such Option as set forth in the Option Agreement), exercise the Option to the
extent otherwise entitled to exercise it at the date of such termination. To the
extent that the Optionee was not entitled to exercise the Option at the date of
termination, or if the Optionee does not exercise such Option to the extent so
entitled within the time specified herein, the Option shall terminate, and the
Shares covered by such Option shall revert to the Plan.

           (d) Death of Optionee. In the event of the death of an Optionee, the
Option may be exercised at any time within ninety (90) days following the date
of death (but in no event later than the expiration of the term of such Option
as set forth in the Notice of Grant) by the Optionee's estate or by a person who
acquired the right to exercise the Option by bequest or inheritance, but only to
the extent that the Optionee was entitled to exercise the Option on the date of
death. If, at the time of death, the Optionee was not entitled to exercise his
or her entire Option, the Shares covered by the unexercisable portion of the
Option shall immediately revert to the Plan. If, after the Optionee's death, the
Optionee's estate or a person who acquires the right to exercise the Option by
bequest or inheritance does not exercise the Option within the time specified
herein, the Option shall terminate, and the Shares covered by such Option shall
revert to the Plan.

           (e) Buyout Provisions. The Administrator may at any time offer to buy
out for a payment in cash or Shares, an Option previously granted, based on such
terms and conditions as the Administrator shall establish and communicate to the
Optionee at the time that such offer is made.

        10. Non-Transferability of Options. Options may not be sold, pledged,
assigned, hypothecated, transferred, or disposed of in any manner other than by
will or by the laws of descent or distribution and may be exercised, during the
lifetime of the Optionee, only by the Optionee.

                                      -6-
<PAGE>

        11. Adjustments Upon Changes in Capitalization or Merger.

            (a) Changes in Capitalization. Subject to any required action by the
stockholders of the Company, the number of shares of Common Stock covered by
each outstanding Option, and the number of shares of Common Stock which have
been authorized for issuance under the Plan but as to which no Options have yet
been granted or which have been returned to the Plan upon cancellation or
expiration of an Option, as well as the price per share of Common Stock covered
by each such outstanding Option, shall be proportionately adjusted for any
increase or decrease in the number of issued shares of Common Stock resulting
from a stock split, reverse stock split, stock dividend, combination or
reclassification of the Common Stock, or any other increase or decrease in the
number of issued shares of Common Stock effected without receipt of
consideration by the Company. The conversion of any convertible securities of
the Company shall not be deemed to have been "effected without receipt of
consideration." Such adjustment shall be made by the Board, whose determination
in that respect shall be final, binding and conclusive. Except as expressly
provided herein, no issuance by the Company of shares of stock of any class, or
securities convertible into shares of stock of any class, shall affect, and no
adjustment by reason thereof shall be made with respect to, the number or price
of shares of Common Stock subject to an Option.

            (b) Dissolution or Liquidation. In the event of the proposed
dissolution or liquidation of the Company, the Administrator shall notify the
Optionee at least fifteen (15) days prior to such proposed action. To the extent
it has not been previously exercised, the Option shall terminate immediately
prior to the consummation of such proposed action.

            (c) Merger. In the event of a merger of the Company with or into
another corporation, each outstanding Option may be assumed or an equivalent
option may be substituted by such successor corporation or a parent or
subsidiary of such successor corporation. If, in such event, an Option is not
assumed or substituted, the Option shall terminate as of the date of the closing
of the merger. For the purposes of this paragraph, the Option shall be
considered assumed if, following the merger, the Option the right to purchase or
receive, for each Share of Optioned Stock subject to the Option immediately
prior to the merger, the consideration (whether stock, cash, or other securities
or property) received in the merger by holders of Common Stock for each Share
held on the effective date of the transaction (and if the holders are offered a
choice of consideration, the type of consideration chosen by the holders of a
majority of the outstanding Shares). If such consideration received in the
merger is not solely common stock of the successor corporation or its Parent,
the Administrator may, with the consent of the successor corporation, provide
for the consideration to be received upon the exercise of the Option, for each
Share of Optioned Stock subject to the Option, to be solely common stock of the
successor corporation or its Parent equal in fair market value to the per share
consideration received by holders of Common Stock in the merger.

        12. Time of Granting Options. The date of grant of an Option shall, for
all purposes, be the date on which the Administrator makes the determination
granting such Option, or such other date as is determined by the Administrator.
Notice of the determination shall be given to each Employee or Consultant to
whom an Option is so granted within a reasonable time after the date of such
grant.

        13. Amendment and Termination of the Plan.

                                      -7-
<PAGE>

            (a) Amendment and Termination. The Board may at any time amend,
alter, suspend or discontinue the Plan, but no amendment, alteration, suspension
or discontinuation shall be made which would impair the rights of any Optionee
under any grant theretofore made, without his or her consent.

            (b) Effect of Amendment or Termination. Any such amendment or
termination of the Plan shall not affect Options already granted, and such
Options shall remain in full force and effect as if this Plan had not been
amended or terminated, unless mutually agreed otherwise between the Optionee and
the Administrator, which agreement must be in writing and signed by the Optionee
and the Company.

        14. Conditions Upon Issuance of Shares. Shares shall not be issued
pursuant to the exercise of an Option unless the exercise of such Option and the
issuance and delivery of such Shares pursuant thereto shall comply with all
relevant provisions of law, including, without limitation, the Securities Act of
1933, as amended, the Exchange Act, the rules and regulations promulgated
thereunder, and the requirements of any stock exchange upon which the Shares may
then be listed, and shall be further subject to the approval of counsel for the
Company with respect to such compliance.

            As a condition to the exercise of an Option, the Company may require
the person exercising such Option to represent and warrant at the time of any
such exercise that the Shares are being purchased only for investment and
without any present intention to sell or distribute such Shares if, in the
opinion of counsel for the Company, such a representation is required by any of
the aforementioned relevant provisions of law.

        15. Reservation of Shares. The Company, during the term of this Plan,
shall at all times reserve and keep available such number of Shares as shall be
sufficient to satisfy the requirements of the Plan.

            The inability of the Company to obtain authority from any regulatory
body having jurisdiction, which authority is deemed by the Company's counsel to
be necessary to the lawful issuance and sale of any Shares hereunder, shall
relieve the Company of any liability in respect of the failure to issue or sell
such Shares as to which such requisite authority shall not have been obtained.

        16. Agreements. Options shall be evidenced by written agreements in such
form as the Administrator shall approve from time to time.

                                    * * * * *

                                      -8-

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