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                                                               Exhibit 10.30

                            TARGET/UNITED FUNDS, INC.
                                  SERVICE PLAN

                             Adopted August 21, 1998

This Plan is adopted by Target/United Funds, Inc. (the "Fund"), pursuant to Rule
12b-1 under the Investment Company Act of 1940, as amended (the "Act"), to
provide for payment by each series ("Portfolio") of the Fund of certain expenses
in connection with the provision of personal services to the owners of variable
life insurance policies or variable annuity contracts funded by Portfolio shares
("Policies") and/or maintenance of the accounts of such Policies
("Policyowners"). Payments under the Plan are to be made to Waddell & Reed, Inc.
("W&R").

SERVICE FEE
Each Portfolio is authorized to pay to W&R an amount not to exceed on an annual
basis .25 of 1% of the Portfolio's average net assets as a "service fee" to
finance Policyowner servicing by W&R, its affiliated companies, broker-dealers
who may sell the Portfolio's shares and other third parties and to encourage and
foster the maintenance of Policyowner accounts. The amounts shall be payable to
W&R monthly or at such other intervals as the board of directors may determine.

NASD DEFINITION
The "service fee" shall be considered a payment made by the Portfolio for
personal service and/or maintenance of Policyowner accounts, as such is now
defined by the National Association of Securities Dealers, Inc. ("NASD"),
provided, however, if the NASD adopts a definition of "service fee" for purposes
of Rule 2830 and the NASD Conduct Rules that differs from the definition of
"service fee" as presently used, or if the NASD adopts a related definition
intended to define the same concept, the definition of "service fee" as used
herein shall be automatically amended to conform to the NASD definition.

QUARTERLY REPORTS
W&R shall provide to the board of directors of the Fund, and the board of
directors shall review, at least quarterly a written report of the amounts so
expended of the service fee paid or payable to it under this Plan and the
purposes for which such expenditures were made.

APPROVAL OF PLAN
This Plan shall become effective as to a Portfolio when it has been approved by
a vote of at least a majority of that Portfolio's outstanding voting securities
(as defined in the Act) and by a vote of the board of directors of the Fund and
of the

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directors who are not interested persons of the Fund and have no direct or
indirect financial interest in the operation of the Plan or any agreement
related to this Plan (other than as directors of the Fund or as Policyowners)
("independent directors") cast in person at a meeting called for the purposes of
voting on such Plan.

CONTINUANCE
This Plan shall continue in effect for a period of one (1) year and thereafter
from year to year only so long as such continuance is approved by the directors,
including the independent directors, as specified hereinabove for the adoption
of the Plan by the directors and independent directors.

DIRECTOR CONTINUATION
In considering whether to adopt, continue or implement this Plan, the directors
shall have a duty to request and evaluate, and W&R shall have a duty to furnish,
such information as may be reasonably necessary to an informed determination of
whether this Plan should be adopted, implemented or continued.

TERMINATION
This Plan may be terminated at any time by a vote of a majority of the
independent directors of the Fund or, as to a Portfolio, by a vote of the
majority of the outstanding voting securities of that Portfolio without penalty.
On termination, the payment of all service fees shall cease, and the Fund shall
have no obligation to W&R to reimburse it for any cost or expenditure it has
made or may make to service Policyowner accounts.

AMENDMENTS
This Plan may not be amended to increase materially the amount to be spent by a
Portfolio for personal service and/or maintenance of Policyowner accounts
without approval of the shareholders of that Portfolio, and all material
amendments of this Plan must be approved in the manner prescribed for the
adoption of the Plan as provided hereinabove.

DIRECTORS
While this Plan is in effect, the selection and nomination of the directors who
are not interested persons of the Fund shall be committed to the discretion of
the directors who are not interested persons of the Fund.

RECORDS
Copies of this Plan and reports made pursuant to this Plan shall be preserved as
provided in Rule 12b-1(f) under the Act.

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                                                                    Exhibit 4.12

                STOCK OPTION AGREEMENT made as of the 1st day of November
2000, by and between CANTEL MEDICAL CORP., a Delaware corporation with
principal offices located at 150 Clove Road, Little Falls, New Jersey, 07424
(the "Company"), and JOSEPH HARRIS, 209 Edenton Place, Villanova,
Pennsylvania 19085 (the "Optionee").

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

                  The Optionee is presently an employee of the Company and is
hereby granted an option to purchase shares of the Company's Common Stock, par
value $.10 per share ("Common Stock"), on the terms and conditions set forth
below.

                  NOW, THEREFORE, in consideration of the premises and for other
good and valuable consideration, receipt of which is hereby acknowledged, the
Company hereby grants the Optionee the option to acquire shares of the Common
Stock of the Company upon the following terms and conditions:

                  1. GRANT OF OPTION.

              (a) The Company hereby grants to the Optionee the right and option
(the "Option") to purchase up to 26,250 shares of Common Stock (the "Shares"),
to be issued upon the exercise hereof, fully paid and non-assessable, in full at
any time, or in part from time to time, prior to the Expiration Date (as defined
below).

                     (b) The Option granted hereby shall expire and terminate at
5:00 p.m. local time in New York, New York on October 31, 2010 (the "Expiration
Date") at which time the Optionee shall have no further right to purchase any
Shares not then purchased.

                  2. EXERCISE PRICE. The exercise price of the Option shall be
$8.88 per Share, and shall be payable in cash or by certified check; provided,
however, that in lieu of payment in full in cash or by such check, the exercise
price (or balance

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thereof) may be paid in full or in part by the delivery and transfer to the
Company of Common Stock already owned by the Optionee and having a fair market
value (as determined by the Board of Directors in its absolute discretion) equal
to the cash exercise price (or balance thereof) for the number of Shares as to
which the Option is being exercised. The Company shall pay all original issue or
transfer taxes on the exercise of the Option.

                  3. EXERCISE OF OPTION. The Optionee shall notify the Company
by registered or certified mail, return receipt requested, addressed to its
principal office, as to the number of Shares which he desires to purchase under
the Option, which notice shall be accompanied by payment of the Option exercise
price therefor as specified in Paragraph 2 above. As soon as practicable after
the receipt of such notice, the Company shall, at its principal office or
another mutually convenient location, tender to the Optionee certificates issued
in the Optionee's name evidencing the Shares purchased by the optionee
hereunder.

                  4. CONDITIONS OF EXERCISE. The Optionee (or his legal
representative following the death of the Optionee) shall have the right to
exercise the Option only while the Optionee is an employee of the Company;
provided, however, the Option may be exercised at any time within twenty four
(24) months after the date the Optionee

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ceases to be an employee, but only to the extent that it was exercisable upon
such date of termination and in no event after the Expiration Date.

                  5. NON-ASSIGNABILITY OF OPTION. The Optionee may not give,
grant, sell, exchange, transfer legal title, pledge, assign or otherwise
encumber or dispose of the Option herein granted or any interest therein,
otherwise than by will or the laws of descent and distribution and, except as
provided in Paragraph 4 hereof, the Option shall be exercisable only by the
Optionee.

                  6. THE SHARES AS INVESTMENT. By accepting the Option, the
Optionee agrees for himself, his heirs and legatees that any and all Shares
purchased upon the exercise thereof shall be acquired for investment and not for
distribution, and upon the issuance of any or all of the Shares subject to the
Option, the Optionee, or his heirs or legatees receiving such Shares, shall
deliver to the Company a representation in writing that such Shares are being
acquired in good faith for investment and not for distribution. The Company may
place a "stop transfer" order with respect to such Shares with its transfer
agent and may place an appropriate restrictive legend on the certificate(s)
evidencing such Shares.

                  7. RESTRICTION OF ISSUANCE OF SHARES. The Optionee shall, if
so requested by the Company, represent and agree, in writing and in such form as
the Company shall determine, that any securities purchased by the Optionee upon
the exercise of this Option are being purchased for investment and not with a
view to

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the distribution thereof, and shall make such other or additional
representations and agreements and furnish such information as the Company may
in its reasonable discretion deem necessary or desirable to assure compliance by
the Company, on terms acceptable to the Company, with provisions of the
Securities Act of 1933 and any other applicable legal requirements. If at any
time the Company shall reasonably determine that the listing, registration or
qualification of the Shares subject to this Option upon any securities exchange
or under any state or federal law, or the consent or approval of any
governmental regulatory body, are necessary or desirable in connection with the
issuance or purchase of the Shares subject thereto, this Option may not be
exercised in whole or in part unless such listing, registration, qualification,
consent or approval shall have been effected or obtained free of any conditions
not acceptable to the Company. The Optionee shall have no rights against the
Company if this Option is not exercisable by virtue of the foregoing provision.
The certificate representing any securities issued pursuant to the exercise of
this Option may, at the discretion of the Company, bear a legend in
substantially the following form:

                        "The securities represented by this
                  certificate have not been registered under the
                  Securities Act of 1933. The securities have been
                  acquired for investment and may not be pledged or
                  hypothecatedand may not be sold or transferred in
                  the absence of an effective Registration Statement
                  for the securities under the Securities Act of 1933
                  or an opinion of counsel to the Company that
                  registration is not required under said Act. In the
                  event that a Registration Statement becomes
                  effective covering the securities or counsel to the
                  Company delivers a

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                  written opinion that registration is not required
                  under said Act, this certificate may be exchanged
                  for a certificate free from this legend."

                  8. ADJUSTMENTS UPON CHANGES IN CAPITALIZATION.

              (a) In the event of changes in the outstanding Shares by reason of
stock dividends, split-ups, recapitalizations, mergers, consolidations,
combination, exchanges of shares, separations, reorganizations, liquidations and
the like, the number and class of Shares or the amount of cash or other assets
or securities available upon the exercise of the Option and the exercise price
thereof shall be correspondingly adjusted by the Company, to the end that the
Optionee's proportionate interest in the Company, any successor thereto or in
the cash, assets or other securities into which shares are converted or
exchanged shall be maintained to the same extent, as near as may be practicable,
as immediately before the occurrence of any such event.

                  (b) Any adjustment in the number of Shares shall apply
proportionately to only the then unexercised portion of the Option. If
fractional Shares would result from any such adjustment, the adjustment shall be
revised to the next higher whole number.

                  (c) In case the Company is merged or consolidated with another
corporation, or the property or shares of the Company are acquired by another
corporation, or the Optionee is discharged other than for cause, the exercise
schedule set forth in paragraph 1 above shall be waived and all options for the
entire 26,250 shares of the Company's Common Stock shall be immediately

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exercisable by the Optionee pursuant to paragraph 3 above.

                  For purposes of this paragraph (c), merger or consolidation
with another corporation or acquisition by another corporation shall be defined
as the acquisition by another corporation of more than forty percent (40%) of
any of the then outstanding stock, voting power, or assets of the Company.

                  9. NO RIGHTS AS SHAREHOLDERS. The Optionee shall have no
rights as a shareholder in respect of the Shares as to which the Option shall
not have been exercised and payment made as herein provided.

                  10. BINDING EFFECT. Except as herein otherwise expressly
provided, this Agreement shall be binding upon and shall inure to the benefit of
the parties hereto, their legal representatives and assigns.

                  11. GOVERNING LAW. This Agreement shall be governed by and
construed in accordance with the laws of the State of New Jersey applicable to
agreements made and to be performed wholly within the State of New Jersey.

                  IN WITNESS WHEREOF, the parties have executed this Agreement
as of the date and year first above written.

                                       CANTEL MEDICAL CORP.
                                  By:  /s/ James P. Reilly
                                       --------------------------
                                       James P. Reilly, President

                                       /s/ Joseph Harris
                                       --------------------------
                                       Joseph Harris

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